Flipkart's Big Billion Days is India's biggest online sale. Your total saving comes from three layers: the sale price, the bank's instant discount, and your card's own cashback on top.
Use the card from the bank partner for the instant discount on big purchases. For everything else, use the card that gives the most cashback on Flipkart.
2026: 10% instant discount with Axis Bank and ICICI Bank cards (check the cap and minimum order at checkout). Flipkart Plus/Black members got extra early-access discounts.
When: Usually late September to OctoberAxis Bank · Mastercard
Why we picked it: 5% on Flipkart and 7.5% on Myntra, and it's an Axis card, so it usually qualifies for the sale's Axis instant discount too.
HDFC Bank · Visa / Mastercard
Why we picked it: 5% cashback on Flipkart as a partner brand (monthly cap).
5% cashback is capped monthly (reported around ₹1,000) and credited as CashPoints you redeem against your statement.
Why we picked it: 5% on online spends (check the reduced monthly cap) when the bank offer doesn't apply.
Since April 2026 the monthly cashback cap is lower (reported as about ₹2,000 on 5% online spends; check the latest terms). Fuel, rent and wallet loads are excluded.
American Express · Amex
Why we picked it: 10X points on Flipkart (capped monthly).
10X points are capped at 500 a month across all 10X merchants. No points on fuel or utilities.
| Card | Best for | Annual fee | Headline benefit | Lounge |
|---|---|---|---|---|
| Flipkart Axis Bank Credit Card | Flipkart & Myntra | ₹500 | 7.5% on Myntra | None |
| HDFC Millennia Credit Card | Online brands cashback | ₹1,000 | 5% on 10 brands | Domestic (spend-based) |
| Cashback SBI Card | Online shopping | ₹999 | 5% online cashback | None |
| Amex SmartEarn™ Credit Card | Entry-level Amex | ₹495 | 10X on Flipkart & Uber | None |
Still unsure? Use the card finder to see which card earns the most on your own spends.
Flipkart partnered with Axis Bank and ICICI Bank for a 10% instant discount on eligible cards. Check caps and terms on the Flipkart payment page.
Flipkart Axis Bank: 5% on Flipkart and 7.5% on Myntra.