Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹150,000 Monthly Amazon, Flipkart & Myntra Shopping Spend
Top-rated credit cards for ₹150,000/mo spent on Amazon, Flipkart & Myntra Shopping. #1 HDFC Infinia Metal Edition yields ₹141,663 net annual value (7.87% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver7.41% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹1,33,427
🥉 Rank #3 Bronze4.06% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹73,008
Full 10-Card Ranked Standings (@ ₹1,50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 9.99% | ₹1,41,663 | Waived (₹0) | +₹1,41,663 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 9.99% | ₹1,33,427 | Waived (₹0) | +₹1,33,427 | Apply → |
| #3 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹73,008 | Waived (₹0) | +₹73,008 | Apply → |
| #4 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹66,432 | Waived (₹0) | +₹66,432 | Apply → |
| #5 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹64,848 | Waived (₹0) | +₹64,848 | Apply → |
| #6 | Amazon Pay ICICI Bank Credit CardICICI Bank | 5% | ₹62,352 | Waived (₹0) | +₹62,352 | Apply → |
| #7 | SBI Cashback Credit CardSBI Card | 5% | ₹61,440 | Waived (₹0) | +₹61,440 | Apply → |
| #8 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹65,088 | ₹5,900 | +₹59,188 | Apply → |
| #9 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹54,895 | Waived (₹0) | +₹54,895 | Apply → |
| #10 | Swiggy HDFC Bank Credit CardHDFC Bank | 5% | ₹41,328 | Waived (₹0) | +₹41,328 | Apply → |
| #11 | Myntra Kotak Credit CardKotak Mahindra Bank | 7.5% | ₹35,640 | Waived (₹0) | +₹35,640 | Apply → |
| #12 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹35,544 | Waived (₹0) | +₹35,544 | Apply → |
| #13 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹33,240 | Waived (₹0) | +₹33,240 | Apply → |
| #14 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹30,768 | Waived (₹0) | +₹30,768 | Apply → |
| #15 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹43,661 | ₹14,750 | +₹28,911 | Apply → |
| #16 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹28,008 | Waived (₹0) | +₹28,008 | Apply → |
| #17 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹27,240 | Waived (₹0) | +₹27,240 | Apply → |
| #18 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹26,304 | Waived (₹0) | +₹26,304 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹20,208 | Waived (₹0) | +₹20,208 | Apply → |
| #20 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹19,824 | Waived (₹0) | +₹19,824 | Apply → |
| #21 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹15,720 | Waived (₹0) | +₹15,720 | Apply → |
| #22 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹15,336 | Waived (₹0) | +₹15,336 | Apply → |
| #23 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹15,072 | Waived (₹0) | +₹15,072 | Apply → |
| #24 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹14,736 | Waived (₹0) | +₹14,736 | Apply → |
| #25 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹14,592 | Waived (₹0) | +₹14,592 | Apply → |
| #26 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹14,388 | Waived (₹0) | +₹14,388 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 1% | ₹14,294 | Waived (₹0) | +₹14,294 | Apply → |
| #28 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹13,421 | Waived (₹0) | +₹13,421 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹8,544 | Waived (₹0) | +₹8,544 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹8,352 | Waived (₹0) | +₹8,352 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹150,000/month spent on Amazon, Flipkart & Myntra Shopping?▼
HDFC Infinia Metal Edition ranks #1, generating ₹141,663 gross rewards and ₹141,663 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 ₹133,427 net annual value. HDFC Infinia Metal Edition outperforms it by ₹8,236/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 ₹1,800,000 annual spend, the fee is waived (₹0 effective fee).