Updated October 2026

Best Credit Cards for Flipkart & Myntra 2026

Flipkart's Big Billion Days and Myntra's End of Reason Sale are some of the biggest shopping events in India. The right card adds cashback on top of every sale discount.

Here's how the best cards for Flipkart and Myntra compare.

Our picks at a glance
  1. Flipkart Axis Bank Credit Card · 7.5% on Myntra · ₹500/yr
  2. Cashback SBI Card · 5% online cashback · ₹999/yr
  3. Amex SmartEarn™ Credit Card · 10X on Flipkart & Uber · ₹495/yr
  4. Swiggy HDFC Bank Credit Card · 10% on Swiggy · ₹500/yr
  5. HDFC Millennia Credit Card · 5% on 10 brands · ₹1,000/yr

Why we picked it: 5% on all online spends, including Flipkart, if you shop across many sites.

  • 5% cashback on online spends
  • 1% cashback on offline spends
  • Cashback auto-credited to your statement
  • Annual fee waived on ₹2 lakh yearly spend

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.

Joining fee₹999
Annual fee₹999

Why we picked it: 10X points on Flipkart (capped monthly) on an entry-level Amex.

  • 10X points on Flipkart, Uber & partner brands
  • 5X points on Amazon, Swiggy & Zomato
  • 1 point per ₹50 on other spends
  • Fee waived on just ₹40,000 yearly spend

10X points are capped at 500 a month across all 10X merchants. No points on fuel or utilities.

Joining fee₹495
Annual fee₹495

Why we picked it: 5% on other online spends, including Flipkart.

  • 10% cashback on Swiggy, Instamart, Dineout, Genie
  • 5% cashback on other online spends
  • 5% on Cleartrip travel bookings
  • 1% cashback on everything else

Swiggy orders need to be ₹249+ to earn 10%. Each category is capped at ₹1,500 per cycle.

Joining fee₹500
Annual fee₹500

Why we picked it: 5% cashback on Flipkart and Myntra as partner brands (monthly cap).

  • 5% cashback on 10 partner brands incl. Amazon, Flipkart, Swiggy, Zomato
  • 1% cashback on other spends
  • Fee waived on ₹1 lakh yearly spend
  • Domestic lounge access (spend-based)

5% cashback is capped monthly (reported around ₹1,000) and credited as CashPoints you redeem against your statement.

Joining fee₹1,000
Annual fee₹1,000

Comparison table

CardBest forAnnual feeHeadline benefitLounge
Flipkart Axis Bank Credit CardFlipkart & Myntra₹5007.5% on MyntraNone
Cashback SBI CardOnline shopping₹9995% online cashbackNone
Amex SmartEarn™ Credit CardEntry-level Amex₹49510X on Flipkart & UberNone
Swiggy HDFC Bank Credit CardFood delivery & Instamart₹50010% on SwiggyNone
HDFC Millennia Credit CardOnline brands cashback₹1,0005% on 10 brandsDomestic (spend-based)

How to choose

  • Flipkart Axis Bank's annual fee waiver needs ₹3.5 lakh of yearly spend, so check if you'll reach it.
  • During Big Billion Days, the instant bank discount may be on a different card. Compare the total savings.

Still unsure? Use the card finder to see which card earns the most on your own spends.

Frequently asked questions

Which credit card is best for Flipkart?

The Flipkart Axis Bank Credit Card gives 5% cashback on Flipkart and 7.5% on Myntra.

Which credit card is best for Myntra?

Flipkart Axis Bank gives 7.5% cashback on Myntra, the highest of any mainstream card.

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