Best card by app
Best credit card for Flipkart
Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026
Quick answer. For ₹5,000 a month on Flipkart, CheQ AU returns about ₹3,600 a year and charges no annual fee.
Most back at ₹5,000 a month CheQ AU ₹3,600 a year after the fee Most back at ₹15,000 a month CheQ AU ₹10,800 a year after the fee Best with no annual fee CheQ AU ₹3,600 a year
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₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹7,500 ₹10,000 ₹15,000 ₹20,000 ₹30,000
₹3,000 a month on Flipkart # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹2,160 Free ₹2,160 Bank page 2 Axis Flipkart Axis Bank ₹1,800 ₹500 ₹1,300 Apply 3 Swiggy HDFC HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 5 Flipkart SBI Card SBI Card ₹1,800 ₹500 ₹1,300 Apply 6 PhonePe HDFC Bank Ultimo HDFC Bank ₹1,800 ₹999 ₹801 Apply 7 Jalsa RBL Bank ₹1,800 ₹999 ₹801 Bank page 8 Axis Bank Cashback Axis Bank ₹1,800 ₹1,000 ₹800 Apply 9 HDFC Millennia HDFC Bank ₹1,800 ₹1,000 ₹800 Apply 10 Swiggy BLCK HDFC Bank HDFC Bank ₹1,800 ₹1,000 ₹800 Apply
₹5,000 a month on Flipkart # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹3,600 Free ₹3,600 Bank page 2 Axis Flipkart Axis Bank ₹3,000 ₹500 ₹2,500 Apply 3 Swiggy HDFC HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 5 Flipkart SBI Card SBI Card ₹3,000 ₹500 ₹2,500 Apply 6 PhonePe HDFC Bank Ultimo HDFC Bank ₹3,000 ₹999 ₹2,001 Apply 7 Jalsa RBL Bank ₹3,000 ₹999 ₹2,001 Bank page 8 Axis Bank Cashback Axis Bank ₹3,000 ₹1,000 ₹2,000 Apply 9 HDFC Millennia HDFC Bank ₹3,000 ₹1,000 ₹2,000 Apply 10 Swiggy BLCK HDFC Bank HDFC Bank ₹3,000 ₹1,000 ₹2,000 Apply
₹7,500 a month on Flipkart # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹5,400 Free ₹5,400 Bank page 2 Axis Flipkart Axis Bank ₹4,500 ₹500 ₹4,000 Apply 3 Swiggy HDFC HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 5 Flipkart SBI Card SBI Card ₹4,500 ₹500 ₹4,000 Apply 6 PhonePe HDFC Bank Ultimo HDFC Bank ₹4,500 ₹999 ₹3,501 Apply 7 Jalsa RBL Bank ₹4,500 ₹999 ₹3,501 Bank page 8 Axis Bank Cashback Axis Bank ₹4,500 ₹1,000 ₹3,500 Apply 9 HDFC Millennia HDFC Bank ₹4,500 ₹1,000 ₹3,500 Apply 10 Swiggy BLCK HDFC Bank HDFC Bank ₹4,500 ₹1,000 ₹3,500 Apply
₹10,000 a month on Flipkart # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹7,200 Free ₹7,200 Bank page 2 HDFC Millennia HDFC Bank ₹6,000 Free ₹6,000 Apply 3 Axis Flipkart Axis Bank ₹6,000 ₹500 ₹5,500 Apply 4 Swiggy HDFC HDFC Bank ₹6,000 ₹500 ₹5,500 Apply 5 Swiggy Ornge HDFC Bank HDFC Bank ₹6,000 ₹500 ₹5,500 Apply 6 Flipkart SBI Card SBI Card ₹6,000 ₹500 ₹5,500 Apply 7 PhonePe HDFC Bank Ultimo HDFC Bank ₹6,000 ₹999 ₹5,001 Apply 8 Jalsa RBL Bank ₹6,000 ₹999 ₹5,001 Bank page 9 Axis Bank Cashback Axis Bank ₹6,000 ₹1,000 ₹5,000 Apply 10 Swiggy BLCK HDFC Bank HDFC Bank ₹6,000 ₹1,000 ₹5,000 Apply
₹15,000 a month on Flipkart # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹10,800 Free ₹10,800 Bank page 2 HDFC Millennia HDFC Bank ₹9,000 Free ₹9,000 Apply 3 Swiggy Ornge HDFC Bank HDFC Bank ₹9,000 Free ₹9,000 Apply 4 Axis Flipkart Axis Bank ₹9,000 ₹500 ₹8,500 Apply 5 Swiggy HDFC HDFC Bank ₹9,000 ₹500 ₹8,500 Apply 6 Flipkart SBI Card SBI Card ₹9,000 ₹500 ₹8,500 Apply 7 Axis Bank Cashback Axis Bank ₹9,000 ₹1,000 ₹8,000 Apply 8 Swiggy BLCK HDFC Bank HDFC Bank ₹9,000 ₹1,000 ₹8,000 Apply 9 PhonePe SBI Card SELECT BLACK SBI Card ₹9,000 ₹1,499 ₹7,501 Bank page 10 HDFC Bank PIXEL Play HDFC Bank ₹5,400 Free ₹5,400 Apply
₹20,000 a month on Flipkart # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹14,400 Free ₹14,400 Bank page 2 HDFC Millennia HDFC Bank ₹12,000 Free ₹12,000 Apply 3 Swiggy BLCK HDFC Bank HDFC Bank ₹12,000 Free ₹12,000 Apply 4 Swiggy HDFC HDFC Bank ₹12,000 Free ₹12,000 Apply 5 Swiggy Ornge HDFC Bank HDFC Bank ₹12,000 Free ₹12,000 Apply 6 Axis Flipkart Axis Bank ₹12,000 ₹500 ₹11,500 Apply 7 Flipkart SBI Card SBI Card ₹12,000 ₹500 ₹11,500 Apply 8 Axis Bank Cashback Axis Bank ₹12,000 ₹1,000 ₹11,000 Apply 9 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 ₹1,499 ₹10,501 Bank page 10 Hello Cashback IDFC FIRST Bank ₹7,200 Free ₹7,200 Apply
₹30,000 a month on Flipkart # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹21,600 Free ₹21,600 Bank page 2 Swiggy BLCK HDFC Bank HDFC Bank ₹18,000 Free ₹18,000 Apply 3 Swiggy HDFC HDFC Bank ₹18,000 Free ₹18,000 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹18,000 Free ₹18,000 Apply 5 Axis Bank Cashback Axis Bank ₹18,000 ₹1,000 ₹17,000 Apply 6 Axis Flipkart Axis Bank ₹16,400 Free ₹16,400 Apply 7 Flipkart SBI Card SBI Card ₹16,400 Free ₹16,400 Apply 8 HDFC Millennia HDFC Bank ₹13,200 Free ₹13,200 Apply 9 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 Free ₹12,000 Bank page 10 Hello Cashback IDFC FIRST Bank ₹10,800 Free ₹10,800 Apply
Rewards a year: what the card pays back on Flipkart 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 Flipkart? At ₹5,000 a month, CheQ AU gives the most after its annual fee: about ₹3,600 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 Flipkart? CheQ AU charges no annual fee and returns about ₹3,600 a year on ₹5,000 a month of Flipkart 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 Flipkart spends at each amount, then scaled to a year. Only Flipkart 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 .