Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly Amazon, Flipkart & Myntra Shopping Spend
Top-rated credit cards for ₹75,000/mo spent on Amazon, Flipkart & Myntra Shopping. #1 HDFC Diners Club Black Metal Edition yields ₹70,831 net annual value (7.87% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold7.87% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹70,831
Full 10-Card Ranked Standings (@ ₹75,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Diners Club Black Metal EditionHDFC Bank | 9.99% | ₹70,831 | Waived (₹0) | +₹70,831 | Apply → |
| #2 | HDFC Infinia Metal EditionHDFC Bank | 9.99% | ₹70,831 | ₹14,750 | +₹56,081 | Apply → |
| #3 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹41,969 | Waived (₹0) | +₹41,969 | Apply → |
| #4 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹36,504 | Waived (₹0) | +₹36,504 | Apply → |
| #5 | SBI Cashback Credit CardSBI Card | 5% | ₹34,920 | Waived (₹0) | +₹34,920 | Apply → |
| #6 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹32,424 | Waived (₹0) | +₹32,424 | Apply → |
| #7 | Amazon Pay ICICI Bank Credit CardICICI Bank | 5% | ₹31,176 | Waived (₹0) | +₹31,176 | Apply → |
| #8 | Swiggy HDFC Bank Credit CardHDFC Bank | 5% | ₹29,664 | Waived (₹0) | +₹29,664 | Apply → |
| #9 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹33,216 | ₹5,899 | +₹27,317 | Apply → |
| #10 | Myntra Kotak Credit CardKotak Mahindra Bank | 7.5% | ₹26,820 | Waived (₹0) | +₹26,820 | Apply → |
| #11 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹32,544 | ₹5,900 | +₹26,644 | Apply → |
| #12 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,152 | Waived (₹0) | +₹25,152 | Apply → |
| #13 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹21,180 | Waived (₹0) | +₹21,180 | Apply → |
| #14 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹20,064 | Waived (₹0) | +₹20,064 | Apply → |
| #15 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹18,720 | Waived (₹0) | +₹18,720 | Apply → |
| #16 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹17,772 | Waived (₹0) | +₹17,772 | Apply → |
| #17 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹16,164 | Waived (₹0) | +₹16,164 | Apply → |
| #18 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹13,536 | Waived (₹0) | +₹13,536 | Apply → |
| #19 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,296 | Waived (₹0) | +₹13,296 | Apply → |
| #20 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹12,710 | Waived (₹0) | +₹12,710 | Apply → |
| #21 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹10,104 | Waived (₹0) | +₹10,104 | Apply → |
| #22 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹9,912 | Waived (₹0) | +₹9,912 | Apply → |
| #23 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹7,860 | Waived (₹0) | +₹7,860 | Apply → |
| #24 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹7,668 | Waived (₹0) | +₹7,668 | Apply → |
| #25 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹7,368 | Waived (₹0) | +₹7,368 | Apply → |
| #26 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹7,194 | Waived (₹0) | +₹7,194 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 1% | ₹7,147 | Waived (₹0) | +₹7,147 | Apply → |
| #28 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹21,830 | ₹14,750 | +₹7,080 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹4,272 | Waived (₹0) | +₹4,272 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹4,176 | Waived (₹0) | +₹4,176 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on Amazon, Flipkart & Myntra Shopping?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹70,831 gross rewards and ₹70,831 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 Infinia Metal Edition delivering ₹56,081 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹14,750/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 Diners Club Black Metal Edition at ₹900,000 annual spend, the fee is waived (₹0 effective fee).