Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly Amazon, Flipkart & Myntra Shopping Spend
Top-rated credit cards for ₹100,000/mo spent on Amazon, Flipkart & Myntra Shopping. #1 HDFC Infinia Metal Edition yields ₹94,442 net annual value (7.87% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver7.87% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹94,442
Full 10-Card Ranked Standings (@ ₹1,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 9.99% | ₹94,442 | Waived (₹0) | +₹94,442 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 9.99% | ₹94,442 | Waived (₹0) | +₹94,442 | Apply → |
| #3 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹52,596 | Waived (₹0) | +₹52,596 | Apply → |
| #4 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹48,672 | Waived (₹0) | +₹48,672 | Apply → |
| #5 | SBI Cashback Credit CardSBI Card | 5% | ₹46,560 | Waived (₹0) | +₹46,560 | Apply → |
| #6 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹44,288 | Waived (₹0) | +₹44,288 | Apply → |
| #7 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹43,232 | Waived (₹0) | +₹43,232 | Apply → |
| #8 | Amazon Pay ICICI Bank Credit CardICICI Bank | 5% | ₹41,568 | Waived (₹0) | +₹41,568 | Apply → |
| #9 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹43,392 | ₹5,900 | +₹37,492 | Apply → |
| #10 | Swiggy HDFC Bank Credit CardHDFC Bank | 5% | ₹33,552 | Waived (₹0) | +₹33,552 | Apply → |
| #11 | Myntra Kotak Credit CardKotak Mahindra Bank | 7.5% | ₹29,760 | Waived (₹0) | +₹29,760 | Apply → |
| #12 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹26,160 | Waived (₹0) | +₹26,160 | Apply → |
| #13 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,536 | Waived (₹0) | +₹25,536 | Apply → |
| #14 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹24,960 | Waived (₹0) | +₹24,960 | Apply → |
| #15 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹23,696 | Waived (₹0) | +₹23,696 | Apply → |
| #16 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹23,672 | Waived (₹0) | +₹23,672 | Apply → |
| #17 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹21,552 | Waived (₹0) | +₹21,552 | Apply → |
| #18 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹29,107 | ₹14,750 | +₹14,357 | Apply → |
| #19 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹14,048 | Waived (₹0) | +₹14,048 | Apply → |
| #20 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,728 | Waived (₹0) | +₹13,728 | Apply → |
| #21 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹13,472 | Waived (₹0) | +₹13,472 | Apply → |
| #22 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹13,216 | Waived (₹0) | +₹13,216 | Apply → |
| #23 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹12,947 | Waived (₹0) | +₹12,947 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹10,480 | Waived (₹0) | +₹10,480 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹10,224 | Waived (₹0) | +₹10,224 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹9,824 | Waived (₹0) | +₹9,824 | Apply → |
| #27 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹9,592 | Waived (₹0) | +₹9,592 | Apply → |
| #28 | OneCard Metal Credit CardFederal Bank | 1% | ₹9,530 | Waived (₹0) | +₹9,530 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹5,696 | Waived (₹0) | +₹5,696 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹5,568 | Waived (₹0) | +₹5,568 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on Amazon, Flipkart & Myntra Shopping?▼
HDFC Infinia Metal Edition ranks #1, generating ₹94,442 gross rewards and ₹94,442 in net annual value (7.87% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Diners Club Black Metal Edition delivering ₹94,442 net annual value. HDFC Infinia Metal Edition outperforms it by ₹0/year.
Which credit cards should I avoid for Amazon, Flipkart & Myntra Shopping?▼
All 10 seed cards earn at least base rewards on this category.
Will the annual fee of the winning card be waived?▼
For HDFC Infinia Metal Edition at ₹1,200,000 annual spend, the fee is waived (₹0 effective fee).