7 cards compared · rates checked against each bank's terms on 16 October 2026
Reviewed by Vineet Verma, Lead Financial Researcher & Credit Card Analyst
For ₹5,000 a month on Flipkart, Flipkart SBI Credit Card, Flipkart Axis Bank Credit Card and Swiggy Ornge HDFC Bank Credit Card all return ₹250 a month, about ₹2,500 a year after the annual fee. At ₹30,000 a month, Swiggy Ornge HDFC Bank Credit Card leads with ₹1,500 a month, ₹17,500 a year after its fee. Rates checked against each bank's terms on 16 October 2026.
Best at ₹5,000 a month
₹2,500 a year
on ₹5,000 a month, after the annual fee
5% on Flipkart, up to ₹4,000 a quarter.
Best if you spend ₹30,000 a month
₹17,500 a year
on ₹30,000 a month, after the annual fee
5% up to ₹1,500 a billing cycle, a cap you reach at ₹30,000 of spend. The cap is shared with Swiggy and other select online merchants.
Best with a fee of ₹500 or less
₹2,500 a year
on ₹5,000 a month, after the annual fee
5% on Flipkart for a ₹500 annual fee.
Set what you spend on Flipkart each month. The ranking updates as you go.
5% · cap ₹1,500 a billing cycle · ₹250 a month · ₹500 fee
5% · cap ₹1,500 a billing cycle · ₹250 a month · ₹1,000 fee
3% · cap ₹500 a month · ₹150 a month · ₹500 feePaid as PIXEL CashPoints
Yearly figures are cashback minus the annual fee, assuming Flipkart is the only spend counting towards each card's cap. Most of these cards waive the fee once your total yearly spend crosses the bank's threshold.
At ₹5,000 a month on Flipkart.
| Card | Rate | Cap | Cap reached at | A month | Annual fee | A year after fee |
|---|---|---|---|---|---|---|
| Flipkart SBI Credit Card | 5% | ₹4,000 a quarter | ₹26,667 a month | ₹250 | ₹500 | ₹2,500 |
| Flipkart Axis Bank Credit Card | 5% | ₹4,000 a quarter | ₹26,667 a month | ₹250 | ₹500 | ₹2,500 |
| Swiggy Ornge HDFC Bank Credit Card | 5% | ₹1,500 a billing cycle | ₹30,000 a month | ₹250 | ₹500 | ₹2,500 |
| CASHBACK SBI Card | 5% | ₹2,000 a billing cycle | ₹40,000 a month | ₹250 | ₹999 | ₹2,001 |
| HDFC Millennia Credit Card | 5% | ₹1,000 a billing cycle | ₹20,000 a month | ₹250 | ₹1,000 | ₹2,000 |
| Swiggy BLCK HDFC Bank Credit Card | 5% | ₹1,500 a billing cycle | ₹30,000 a month | ₹250 | ₹1,000 | ₹2,000 |
| HDFC Pixel Play Credit Card | 3% | ₹500 a month | ₹16,667 a month | ₹150 | ₹500 | ₹1,300 |
What the best card pays at three common Flipkart budgets, after its annual fee.
₹2,000 a month on Flipkart
Flipkart SBI Credit Card
₹700 a year
₹100 a month in cashback, minus its ₹500 fee. Next best: Flipkart Axis Bank Credit Card at ₹700.
₹5,000 a month on Flipkart
Flipkart SBI Credit Card
₹2,500 a year
₹250 a month in cashback, minus its ₹500 fee. Next best: Flipkart Axis Bank Credit Card at ₹2,500.
₹30,000 a month on Flipkart
Swiggy Ornge HDFC Bank Credit Card
₹17,500 a year
₹1,500 a month in cashback, minus its ₹500 fee. Next best: CASHBACK SBI Card at ₹17,001.
The fine print from each bank, in plain words.
We include only cards whose Flipkart rate, cap and conditions we've checked against the bank's card page or terms. We apply each rate to your spend, stop at the cap, and count nothing after it unless the bank says otherwise. Cards are ordered by cashback a year minus the annual fee. Limited-time coupons are left out.
Flipkart SBI Credit Card (5%, up to ₹4,000 a quarter), HDFC Millennia Credit Card (5%, up to ₹1,000 a billing cycle), Flipkart Axis Bank Credit Card (5%, up to ₹4,000 a quarter), Swiggy BLCK HDFC Bank Credit Card (5%, up to ₹1,500 a billing cycle), Swiggy Ornge HDFC Bank Credit Card (5%, up to ₹1,500 a billing cycle) and CASHBACK SBI Card (5%, up to ₹2,000 a billing cycle) pay the highest rate on Flipkart. For ₹5,000 a month on Flipkart, Flipkart SBI Credit Card, Flipkart Axis Bank Credit Card and Swiggy Ornge HDFC Bank Credit Card all return ₹250 a month, about ₹2,500 a year after the annual fee. At ₹30,000 a month, Swiggy Ornge HDFC Bank Credit Card leads with ₹1,500 a month, ₹17,500 a year after its fee.
Flipkart SBI Credit Card has the lowest fee here, ₹500 a year, and pays 5% on Flipkart, up to ₹4,000 a quarter. At ₹5,000 a month that is ₹2,500 a year after the fee.
Its ₹500 annual fee is covered once you spend about ₹900 a month on Flipkart at 5%, and the fee is waived if your total spend reaches ₹3,50,000 a year. At ₹5,000 a month it returns ₹2,500 a year after the fee.
Paid as PIXEL CashPoints. Choose Flipkart as your e-commerce platform in the PayZapp app.
Of the cards here, Swiggy Ornge HDFC Bank Credit Card has the lowest stated income requirement, ₹20,000 a month, and pays 5% on Flipkart, up to ₹1,500 a billing cycle.
Flipkart SBI Credit Card at about ₹26,667 a month; Flipkart Axis Bank Credit Card at about ₹26,667 a month; Swiggy Ornge HDFC Bank Credit Card at about ₹30,000 a month; CASHBACK SBI Card at about ₹40,000 a month; HDFC Millennia Credit Card at about ₹20,000 a month; Swiggy BLCK HDFC Bank Credit Card at about ₹30,000 a month; HDFC Pixel Play Credit Card at about ₹16,667 a month. Beyond that, these cards pay nothing extra on Flipkart unless noted on the page.
HDFC Millennia Credit Card's ₹1,000 cap is shared with Amazon, Myntra, Swiggy, Zomato, Uber and four other merchants. Swiggy BLCK HDFC Bank Credit Card's ₹1,500 cap is shared with Amazon, Myntra and other select online merchants. Swiggy Ornge HDFC Bank Credit Card's ₹1,500 cap is shared with Swiggy and other select online merchants. CASHBACK SBI Card's ₹2,000 cap is shared with all other online spends.
