Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹15,000 Monthly Amazon, Flipkart & Myntra Shopping Spend
Top-rated credit cards for ₹15,000/mo spent on Amazon, Flipkart & Myntra Shopping. #1 Myntra Kotak Credit Card yields ₹9,274 net annual value (5.15% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold5.15% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹9,274
Full 10-Card Ranked Standings (@ ₹15,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | Myntra Kotak Credit CardKotak Mahindra Bank | 7.5% | ₹9,864 | ₹590 | +₹9,274 | Apply → |
| #2 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹7,147 | Waived (₹0) | +₹7,147 | Apply → |
| #3 | Swiggy HDFC Bank Credit CardHDFC Bank | 5% | ₹7,733 | ₹590 | +₹7,143 | Apply → |
| #4 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹6,386 | Waived (₹0) | +₹6,386 | Apply → |
| #5 | Amazon Pay ICICI Bank Credit CardICICI Bank | 5% | ₹6,235 | Waived (₹0) | +₹6,235 | Apply → |
| #6 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹6,485 | ₹590 | +₹5,895 | Apply → |
| #7 | SBI Cashback Credit CardSBI Card | 5% | ₹6,984 | ₹1,179 | +₹5,805 | Apply → |
| #8 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹7,301 | ₹1,769 | +₹5,532 | Apply → |
| #9 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹8,394 | ₹2,950 | +₹5,444 | Apply → |
| #10 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹4,565 | ₹590 | +₹3,975 | Apply → |
| #11 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹3,744 | Waived (₹0) | +₹3,744 | Apply → |
| #12 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹3,554 | Waived (₹0) | +₹3,554 | Apply → |
| #13 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹3,233 | Waived (₹0) | +₹3,233 | Apply → |
| #14 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹4,236 | ₹1,179 | +₹3,057 | Apply → |
| #15 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹2,995 | Waived (₹0) | +₹2,995 | Apply → |
| #16 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹2,686 | Waived (₹0) | +₹2,686 | Apply → |
| #17 | HDFC Diners Club Black Metal EditionHDFC Bank | 9.99% | ₹14,166 | ₹11,800 | +₹2,366 | Apply → |
| #18 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹2,021 | Waived (₹0) | +₹2,021 | Apply → |
| #19 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹1,982 | Waived (₹0) | +₹1,982 | Apply → |
| #20 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹1,534 | Waived (₹0) | +₹1,534 | Apply → |
| #21 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹1,474 | Waived (₹0) | +₹1,474 | Apply → |
| #22 | OneCard Metal Credit CardFederal Bank | 1% | ₹1,429 | Waived (₹0) | +₹1,429 | Apply → |
| #23 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹854 | Waived (₹0) | +₹854 | Apply → |
| #24 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹6,643 | ₹5,899 | +₹744 | Apply → |
| #25 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹6,509 | ₹5,900 | +₹609 | Apply → |
| #26 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹1,572 | ₹1,770 | +-₹198 | Apply → |
| #27 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹1,439 | ₹1,769 | +-₹330 | Apply → |
| #28 | HDFC Infinia Metal EditionHDFC Bank | 9.99% | ₹14,166 | ₹14,750 | +-₹584 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹835 | ₹4,130 | +-₹3,295 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹4,366 | ₹14,750 | +-₹10,384 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹15,000/month spent on Amazon, Flipkart & Myntra Shopping?▼
Myntra Kotak Credit Card ranks #1, generating ₹9,864 gross rewards and ₹9,274 in net annual value (5.15% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Millennia Credit Card delivering ₹7,147 net annual value. Myntra Kotak Credit Card outperforms it by ₹2,127/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 Myntra Kotak Credit Card at ₹180,000 annual spend, the fee is ₹590 after 18% GST.