If you order on Amazon, shop on Flipkart, or eat via Swiggy and Zomato every week, the right credit card can return thousands of rupees a year — or the wrong one with a tight cap can leave you earning almost nothing despite a headline rate that sounds great. On CardCheck we cut through the marketing and show you exactly how many rupees each card earns on these four platforms using benefit rates and caps sourced directly from issuer MITC documents.
This ranking is only about these four platforms. We use a fixed monthly spend of: Amazon ₹5,000, Flipkart ₹3,000, Swiggy ₹3,000, Zomato ₹2,500 — total ₹13,500/month on these four platforms. Fuel, bills, grocery, and travel spend are excluded so the ranking reflects true platform performance only.
Every rate and cap you see comes from the key benefit lines in our database (MITC-sourced). We do not use promotional rates, limited-time offers, or welcome bonuses. Numbers are estimates — actual earnings depend on merchant category codes, card terms, and how you split spend. Use the Rewards Calculator to model your own amounts.
Cards in this comparison
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HSBC Cashback Credit Card
Annual fee: ₹999
HDFC Bank Millennia Credit Card
Annual fee: ₹1,000
Swiggy HDFC Bank Credit Card
Annual fee: ₹500
HSBC Live+ Credit Card
Annual fee: ₹999
Airtel Axis Bank Credit Card
Annual fee: ₹500
Axis Bank Neo Credit Card
Annual fee: ₹250
Samsung Axis Bank Signature Credit Card
Annual fee: ₹500
Standard Chartered DigiSmart Credit Card
Annual fee: ₹588
How this ranking works
We use a custom per-platform earnings model — not a general spend mix. For each card we:
- Read the key benefit lines in our database (sourced from issuer MITC / official pages)
- Extract the named rate and monthly cap for each of the 4 platforms
- Apply the rate to your spend on that platform, then apply the cap (per-platform or combined if stated)
- Convert points to rupee value using the point_value_inr field in our DB (typically ₹0.25–₹1 per point)
- Deduct the annual fee when it is not waived
Cards without a named benefit line for any of these 4 platforms are excluded. This is conservative — some cards with a strong general "online" or "dining" rate may be underranked, but we prefer quoting only what is explicitly sourced.
Reference spend — platform only (₹13,500/month)
Amazon ₹5,000/month · Flipkart ₹3,000/month · Swiggy ₹3,000/month · Zomato ₹2,500/month.
We do not include grocery, fuel, bills, travel, or other spend in this ranking. If those matter to you, use the Rewards Calculator with your full spend profile.
Top cards ranked — estimated net rupees per year (platform spend only)
Estimated net rupees per year on platform spend only (Amazon ₹5,000 + Flipkart ₹3,000 + Swiggy ₹3,000 + Zomato ₹2,500 = ₹13,500/month):
- 1. HSBC Cashback Credit Card (HSBC) — ₹11,001/yr est. · fee ₹999/yr (waived at ₹2,00,000/yr spend) · Swiggy 10% (cap ₹1,000/mo) · Zomato 10% (cap ₹1,000/mo)
- 2. HDFC Bank Millennia Credit Card (HDFC Bank) — ₹8,100/yr est. · fee waived · Amazon 5% · Flipkart 5% · Swiggy 5% · Zomato 5%
- 3. Swiggy HDFC Bank Credit Card (HDFC Bank) — ₹6,100/yr est. · fee ₹500/yr · Swiggy 10% (cap ₹1,500/mo)
- 4. HSBC Live+ Credit Card (HSBC Bank) — ₹5,601/yr est. · fee ₹999/yr (waived at ₹2,00,000/yr spend) · Swiggy 10% (cap ₹1,000/mo) · Zomato 10% (cap ₹1,000/mo)
- 5. Airtel Axis Bank Credit Card (Axis Bank) — ₹5,500/yr est. · fee ₹500/yr (waived at ₹2,00,000/yr spend) · Swiggy 10% (cap ₹500/mo combined) · Zomato 10% (cap ₹500/mo combined)
- 6. Axis Bank Neo Credit Card (Axis Bank) — ₹5,400/yr est. · fee waived · Flipkart 10% · Swiggy 5%
- 7. Samsung Axis Bank Signature Credit Card (Axis Bank) — ₹4,800/yr est. · fee waived · Amazon 5% · Flipkart 5%
- 8. Standard Chartered DigiSmart Credit Card (Standard Chartered Bank) — ₹4,212/yr est. · fee ₹588/yr · Swiggy 10% (cap ₹200/mo) · Zomato 10% (cap ₹200/mo)
- 9. Axis Bank MY Zone Credit Card (Axis Bank) — ₹3,100/yr est. · fee ₹500/yr (waived at ₹2,00,000/yr spend) · Swiggy 10%
- 10. Amazon Pay ICICI Bank Credit Card (ICICI Bank) — ₹3,000/yr est. · free for life · Amazon 5%
- 11. Flipkart Axis Bank Credit Card (Axis Bank) — ₹2,740/yr est. · fee ₹500/yr (waived at ₹2,00,000/yr spend) · Flipkart 5% · Swiggy 4%
- 12. American Express SmartEarn™ Credit Card (American Express) — ₹2,400/yr est. · fee waived · Amazon 10% · Swiggy 10%
Use the Rewards Calculator to adjust the spend amounts and see how rankings shift for your usage.
1. HSBC Cashback Credit Card — HSBC
HSBC Cashback Credit Card (HSBC) earns an estimated ₹11,001/year on these four platforms, ranking #1 in this comparison.
Rates and caps from our database:
- Amazon: 10% (general online rate, cap ₹1,000/mo) — no Amazon-specific line in our DB; earns ₹370/month
- Flipkart: 10% (general online rate, cap ₹1,000/mo) — no Flipkart-specific line in our DB; earns ₹222/month
- Swiggy: 10%, cap ₹1,000/month — earns ₹222/month on our ₹3,000 profile
- Zomato: 10%, cap ₹1,000/month — earns ₹185/month on our ₹2,500 profile
Monthly total on this profile: ₹1,000 → ₹12,000/year gross. Annual fee: ₹999/yr (waived at ₹2,00,000/yr spend) — deducted, net ₹11,001/yr. Reward type in our DB: cashback.
2. HDFC Bank Millennia Credit Card — HDFC Bank
HDFC Bank Millennia Credit Card (HDFC Bank) earns an estimated ₹8,100/year on these four platforms, ranking #2 in this comparison.
Rates and caps from our database:
- Amazon: 5%, no cap — earns ₹250/month on our ₹5,000 profile
- Flipkart: 5%, no cap — earns ₹150/month on our ₹3,000 profile
- Swiggy: 5%, no cap — earns ₹150/month on our ₹3,000 profile
- Zomato: 5%, no cap — earns ₹125/month on our ₹2,500 profile
Monthly total on this profile: ₹675 → ₹8,100/year gross. Annual fee: ₹1,000/yr (waived at ₹1,00,000/yr spend) — net ₹8,100/yr. Reward type in our DB: cashback.
3. Swiggy HDFC Bank Credit Card — HDFC Bank
Swiggy HDFC Bank Credit Card (HDFC Bank) earns an estimated ₹6,100/year on these four platforms, ranking #3 in this comparison.
Rates and caps from our database:
- Amazon: benefit not captured in our database
- Flipkart: benefit not captured in our database
- Swiggy: 10%, cap ₹1,500/month — earns ₹300/month on our ₹3,000 profile
- Zomato: 10% (general dining rate, cap ₹1,500/mo) — no Zomato-specific line in our DB; earns ₹250/month
Monthly total on this profile: ₹550 → ₹6,600/year gross. Annual fee: ₹500/yr — deducted, net ₹6,100/yr. Reward type in our DB: cashback.
4. HSBC Live+ Credit Card — HSBC Bank
HSBC Live+ Credit Card (HSBC Bank) earns an estimated ₹5,601/year on these four platforms, ranking #4 in this comparison.
Rates and caps from our database:
- Amazon: benefit not captured in our database
- Flipkart: benefit not captured in our database
- Swiggy: 10%, cap ₹1,000/month — earns ₹300/month on our ₹3,000 profile
- Zomato: 10%, cap ₹1,000/month — earns ₹250/month on our ₹2,500 profile
Monthly total on this profile: ₹550 → ₹6,600/year gross. Annual fee: ₹999/yr (waived at ₹2,00,000/yr spend) — deducted, net ₹5,601/yr. Reward type in our DB: cashback.
5. Airtel Axis Bank Credit Card — Axis Bank
Airtel Axis Bank Credit Card (Axis Bank) earns an estimated ₹5,500/year on these four platforms, ranking #5 in this comparison.
Rates and caps from our database:
- Amazon: benefit not captured in our database
- Flipkart: benefit not captured in our database
- Swiggy: 10%, cap ₹500/month combined with Zomato — earns ₹273/month on our ₹3,000 profile
- Zomato: 10%, cap ₹500/month combined with Swiggy — earns ₹227/month on our ₹2,500 profile
Monthly total on this profile: ₹500 → ₹6,000/year gross. Annual fee: ₹500/yr (waived at ₹2,00,000/yr spend) — deducted, net ₹5,500/yr. Reward type in our DB: cashback.
Best cards for Amazon
Cards in our top group with a Amazon-specific benefit rate (sorted by headline rate, then by earnings after cap):
- American Express SmartEarn™ Credit Card (American Express) — 10% no cap → ₹125/month earned on our ₹5,000 profile · fee: ₹495/yr (waived at ₹40,000/yr spend)
- HDFC Bank Millennia Credit Card (HDFC Bank) — 5% no cap → ₹250/month earned on our ₹5,000 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
- Samsung Axis Bank Signature Credit Card (Axis Bank) — 5% no cap → ₹250/month earned on our ₹5,000 profile · fee: ₹500/yr (waived at ₹1,00,000/yr spend)
- Amazon Pay ICICI Bank Credit Card (ICICI Bank) — 5% no cap → ₹250/month earned on our ₹5,000 profile · fee: lifetime free
The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Amazon. Use the Rewards Calculator to find the crossover point for your spend.
Best cards for Flipkart
Cards in our top group with a Flipkart-specific benefit rate (sorted by headline rate, then by earnings after cap):
- Axis Bank Neo Credit Card (Axis Bank) — 10% no cap → ₹300/month earned on our ₹3,000 profile · fee: ₹250/yr (waived at ₹50,000/yr spend)
- HDFC Bank Millennia Credit Card (HDFC Bank) — 5% no cap → ₹150/month earned on our ₹3,000 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
- Samsung Axis Bank Signature Credit Card (Axis Bank) — 5% no cap → ₹150/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹1,00,000/yr spend)
- Flipkart Axis Bank Credit Card (Axis Bank) — 5% no cap → ₹150/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Flipkart. Use the Rewards Calculator to find the crossover point for your spend.
Best cards for Swiggy
Cards in our top group with a Swiggy-specific benefit rate (sorted by headline rate, then by earnings after cap):
- Swiggy HDFC Bank Credit Card (HDFC Bank) — 10% capped ₹1,500/month → ₹300/month earned on our ₹3,000 profile · fee: ₹500/yr
- HSBC Live+ Credit Card (HSBC Bank) — 10% capped ₹1,000/month → ₹300/month earned on our ₹3,000 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
- Axis Bank MY Zone Credit Card (Axis Bank) — 10% no cap → ₹300/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
- Airtel Axis Bank Credit Card (Axis Bank) — 10% capped ₹500/month combined → ₹273/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
- HSBC Cashback Credit Card (HSBC) — 10% capped ₹1,000/month → ₹222/month earned on our ₹3,000 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
- Standard Chartered DigiSmart Credit Card (Standard Chartered Bank) — 10% capped ₹200/month → ₹200/month earned on our ₹3,000 profile · fee: ₹588/yr
- American Express SmartEarn™ Credit Card (American Express) — 10% no cap → ₹75/month earned on our ₹3,000 profile · fee: ₹495/yr (waived at ₹40,000/yr spend)
- HDFC Bank Millennia Credit Card (HDFC Bank) — 5% no cap → ₹150/month earned on our ₹3,000 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
- Axis Bank Neo Credit Card (Axis Bank) — 5% no cap → ₹150/month earned on our ₹3,000 profile · fee: ₹250/yr (waived at ₹50,000/yr spend)
- Flipkart Axis Bank Credit Card (Axis Bank) — 4% no cap → ₹120/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Swiggy. Use the Rewards Calculator to find the crossover point for your spend.
Best cards for Zomato
Cards in our top group with a Zomato-specific benefit rate (sorted by headline rate, then by earnings after cap):
- HSBC Live+ Credit Card (HSBC Bank) — 10% capped ₹1,000/month → ₹250/month earned on our ₹2,500 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
- Airtel Axis Bank Credit Card (Axis Bank) — 10% capped ₹500/month combined → ₹227/month earned on our ₹2,500 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
- Standard Chartered DigiSmart Credit Card (Standard Chartered Bank) — 10% capped ₹200/month → ₹200/month earned on our ₹2,500 profile · fee: ₹588/yr
- HSBC Cashback Credit Card (HSBC) — 10% capped ₹1,000/month → ₹185/month earned on our ₹2,500 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
- HDFC Bank Millennia Credit Card (HDFC Bank) — 5% no cap → ₹125/month earned on our ₹2,500 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Zomato. Use the Rewards Calculator to find the crossover point for your spend.
Why caps matter more than headline rates
Most cards that advertise 10% on Swiggy or 5% on Amazon have a monthly cap — and that cap is the real number you need to check. Here is how caps affect our reference spend:
- HSBC Cashback Credit Card on Swiggy: 10% × ₹3,000 = ₹300/month uncapped, but cap is ₹1,000/month → you only get ₹222/month
- HSBC Cashback Credit Card on Zomato: 10% × ₹2,500 = ₹250/month uncapped, but cap is ₹1,000/month → you only get ₹185/month
- Airtel Axis Bank Credit Card on Swiggy: 10% × ₹3,000 = ₹300/month uncapped, but cap is ₹500/month combined → you only get ₹273/month
- Airtel Axis Bank Credit Card on Zomato: 10% × ₹2,500 = ₹250/month uncapped, but cap is ₹500/month combined → you only get ₹227/month
The practical lesson: a 5% uncapped card often beats a 10% card with a ₹500/month cap the moment you spend more than ₹10,000/month on that platform.
Methodology & limitations
- Data source: Key benefit lines from issuer MITC / official sources in the CardCheck database. Not all cards have fully captured benefit lines; a missing entry means a card could be absent even if it is a strong performer.
- Platform matching: A benefit is matched only when the platform name (or a direct synonym) appears in the benefit text. Generic "all online" lines are used as a fallback but not as a primary match.
- Combined caps: When a single benefit line mentions two platforms with "combined" cap language, we split the cap by the spend amounts used in this ranking.
- Points conversion: Points cards are converted at the point_value_inr value in our DB. If that field is missing we use ₹0.25/point (conservative).
- No welcome bonuses: Joining gifts, milestone rewards, and limited-time offers are excluded.
- Annual fee waiver: We apply waiver logic using annual platform spend only. If you spend more outside these platforms, more cards may effectively be free.
- Not financial advice: Read the issuer's MITC before applying.
FAQ
Which card gives the highest cashback on Amazon?
See the "Best cards for Amazon" section above — it shows every card in our top group with a named Amazon benefit, sorted by rate and then by cap-adjusted monthly earnings on our ₹5,000/month profile.
Why does a 10% card rank lower than a 5% card?
Monthly caps. A 10% card with a ₹300/month cap earns less than a 5% uncapped card once you spend more than ₹6,000/month on that platform. The "Why caps matter" section shows this for specific cards.
Does the Swiggy rate also apply on Zomato (and vice versa)?
Not necessarily. Some cards have separate rates for each, some have a combined rate with a shared cap, and some only cover one of the two. We extract and show each platform's line from the benefit text individually.
My card is not in the list — why?
We only include cards where at least one of these four platforms is explicitly named in the key benefit lines in our database. If your card has a good general "online" rate but no named platform line, it is not included here. It may still rank well in the full Rewards Calculator.
Can I see what happens if I spend more on Swiggy and less on Amazon?
Yes — use the Rewards Calculator, which uses the same per-benefit engine and lets you set exact amounts per category.