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Best credit card for AJIO
Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026
Quick answer. For ₹5,000 a month on AJIO, HSBC Live+ returns about ₹6,000 a year, or ₹5,001 after its ₹999 annual fee. With no annual fee, CheQ AU returns ₹1,500 a year.
Most back at ₹5,000 a month HSBC Live+ ₹5,001 a year after the fee Most back at ₹15,000 a month HSBC Live+ ₹13,941 a year after the fee Best with no annual fee CheQ AU ₹1,500 a year
Pick your monthly AJIO spend
₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹7,500 ₹10,000 ₹15,000 ₹20,000 ₹30,000
₹3,000 a month on AJIO # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹3,600 ₹999 ₹2,601 Apply 2 Swiggy HDFC HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 3 Swiggy Ornge HDFC Bank HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 4 CheQ AU AU Small Finance Bank ₹900 Free ₹900 Bank page 5 PhonePe HDFC Bank Ultimo HDFC Bank ₹1,800 ₹999 ₹801 Apply 6 Jalsa RBL Bank ₹1,800 ₹999 ₹801 Bank page 7 Axis Bank Cashback Axis Bank ₹1,800 ₹1,000 ₹800 Apply 8 Swiggy BLCK HDFC Bank HDFC Bank ₹1,800 ₹1,000 ₹800 Apply 9 Zaggle AU Small Finance Bank ₹720 Free ₹720 Apply 10 Scapia Axis Bank Axis Bank ₹720 Free ₹720 Apply
₹5,000 a month on AJIO # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹6,000 ₹999 ₹5,001 Apply 2 Swiggy HDFC HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 3 Swiggy Ornge HDFC Bank HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 4 PhonePe HDFC Bank Ultimo HDFC Bank ₹3,000 ₹999 ₹2,001 Apply 5 Jalsa RBL Bank ₹3,000 ₹999 ₹2,001 Bank page 6 Axis Bank Cashback Axis Bank ₹3,000 ₹1,000 ₹2,000 Apply 7 Swiggy BLCK HDFC Bank HDFC Bank ₹3,000 ₹1,000 ₹2,000 Apply 8 PhonePe SBI Card SELECT BLACK SBI Card ₹3,000 ₹1,499 ₹1,501 Bank page 9 CheQ AU AU Small Finance Bank ₹1,500 Free ₹1,500 Bank page 10 PVR INOX Kotak Kotak Mahindra Bank ₹1,800 ₹499 ₹1,301 Bank page
₹7,500 a month on AJIO # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹9,000 ₹999 ₹8,001 Apply 2 Swiggy HDFC HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 3 Swiggy Ornge HDFC Bank HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 4 PhonePe HDFC Bank Ultimo HDFC Bank ₹4,500 ₹999 ₹3,501 Apply 5 Jalsa RBL Bank ₹4,500 ₹999 ₹3,501 Bank page 6 Axis Bank Cashback Axis Bank ₹4,500 ₹1,000 ₹3,500 Apply 7 Swiggy BLCK HDFC Bank HDFC Bank ₹4,500 ₹1,000 ₹3,500 Apply 8 PhonePe SBI Card SELECT BLACK SBI Card ₹4,500 ₹1,499 ₹3,001 Bank page 9 CheQ AU AU Small Finance Bank ₹2,250 Free ₹2,250 Bank page 10 PVR INOX Kotak Kotak Mahindra Bank ₹2,700 ₹499 ₹2,201 Bank page
₹10,000 a month on AJIO # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹12,000 ₹999 ₹11,001 Apply 2 Swiggy HDFC HDFC Bank ₹6,000 ₹500 ₹5,500 Apply 3 Swiggy Ornge HDFC Bank HDFC Bank ₹6,000 ₹500 ₹5,500 Apply 4 PhonePe HDFC Bank Ultimo HDFC Bank ₹6,000 ₹999 ₹5,001 Apply 5 Jalsa RBL Bank ₹6,000 ₹999 ₹5,001 Bank page 6 Axis Bank Cashback Axis Bank ₹6,000 ₹1,000 ₹5,000 Apply 7 Swiggy BLCK HDFC Bank HDFC Bank ₹6,000 ₹1,000 ₹5,000 Apply 8 PhonePe SBI Card SELECT BLACK SBI Card ₹6,000 ₹1,499 ₹4,501 Bank page 9 PVR INOX Kotak Kotak Mahindra Bank ₹3,600 ₹499 ₹3,101 Bank page 10 Reliance SBI Card PRIME SBI Card ₹6,000 ₹2,999 ₹3,001 Bank page
₹15,000 a month on AJIO # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹14,940 ₹999 ₹13,941 Apply 2 Swiggy Ornge HDFC Bank HDFC Bank ₹9,000 Free ₹9,000 Apply 3 Swiggy HDFC HDFC Bank ₹9,000 ₹500 ₹8,500 Apply 4 Axis Bank Cashback Axis Bank ₹9,000 ₹1,000 ₹8,000 Apply 5 Swiggy BLCK HDFC Bank HDFC Bank ₹9,000 ₹1,000 ₹8,000 Apply 6 PhonePe SBI Card SELECT BLACK SBI Card ₹9,000 ₹1,499 ₹7,501 Bank page 7 Reliance SBI Card PRIME SBI Card ₹9,000 ₹2,999 ₹6,001 Bank page 8 PhonePe HDFC Bank Ultimo HDFC Bank ₹6,000 ₹999 ₹5,001 Apply 9 Jalsa RBL Bank ₹6,000 ₹999 ₹5,001 Bank page 10 PVR INOX Kotak Kotak Mahindra Bank ₹5,400 ₹499 ₹4,901 Bank page
₹20,000 a month on AJIO # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹15,840 Free ₹15,840 Apply 2 Swiggy BLCK HDFC Bank HDFC Bank ₹12,000 Free ₹12,000 Apply 3 Swiggy HDFC HDFC Bank ₹12,000 Free ₹12,000 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹12,000 Free ₹12,000 Apply 5 Axis Bank Cashback Axis Bank ₹12,000 ₹1,000 ₹11,000 Apply 6 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 ₹1,499 ₹10,501 Bank page 7 Reliance SBI Card PRIME SBI Card ₹12,000 ₹2,999 ₹9,001 Bank page 8 Hello Cashback IDFC FIRST Bank ₹7,200 Free ₹7,200 Apply 9 PVR INOX Kotak Kotak Mahindra Bank ₹7,200 ₹499 ₹6,701 Bank page 10 CheQ AU AU Small Finance Bank ₹6,000 Free ₹6,000 Bank page
₹30,000 a month on AJIO # Card Rewards a year Annual fee Net a year Link 1 Swiggy BLCK HDFC Bank HDFC Bank ₹18,000 Free ₹18,000 Apply 2 Swiggy HDFC HDFC Bank ₹18,000 Free ₹18,000 Apply 3 Swiggy Ornge HDFC Bank HDFC Bank ₹18,000 Free ₹18,000 Apply 4 Reliance SBI Card PRIME SBI Card ₹18,000 Free ₹18,000 Bank page 5 HSBC Live+ HSBC India ₹17,640 Free ₹17,640 Apply 6 Axis Bank Cashback Axis Bank ₹18,000 ₹1,000 ₹17,000 Apply 7 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 Free ₹12,000 Bank page 8 Hello Cashback IDFC FIRST Bank ₹10,800 Free ₹10,800 Apply 9 PVR INOX Kotak Kotak Mahindra Bank ₹10,800 ₹499 ₹10,301 Bank page 10 CheQ AU AU Small Finance Bank ₹9,000 Free ₹9,000 Bank page
Rewards a year: what the card pays back on AJIO alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.
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Questions Which credit card gives the most back on AJIO? At ₹5,000 a month, HSBC Live+ gives the most after its annual fee: about ₹5,001 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.
Is there a lifetime free card for AJIO? CheQ AU charges no annual fee and returns about ₹1,500 a year on ₹5,000 a month of AJIO spends.
How does Saifu work these figures out? Each card's reward rules, caps and exclusions from its bank's terms are run on three months of AJIO spends at each amount, then scaled to a year. Only AJIO spends count towards the caps here; if your other spends share the same cap, you get less.
See also: best cards by type , find a card for all your spends , compare two cards .