Flipkart accounts for roughly a third of India's online retail spend, and during the Big Billion Days sale the order volume alone exceeds ₹15,000 crore per week. If Flipkart, Myntra, or Cleartrip take up any meaningful chunk of your monthly spending, the right credit card returns 5% cashback on every purchase. Below are the four cards we trust in 2026 for Flipkart households.
1. Flipkart Axis Bank Credit Card — the co-brand default
The Flipkart Axis Bank Credit Card is the only co-branded Flipkart card and the clear winner for Flipkart-loyal shoppers. 5% unlimited cashback on Flipkart, Myntra, and Cleartrip (owned by Flipkart); 4% on Swiggy, Uber, PVR, and Cultsport; 1.5% on everything else.
- Joining & annual fee: ₹500, waived on ₹3.5 lakh annual spend.
- Welcome bonus: ₹500 Flipkart voucher on first swipe within 30 days.
- Cap: 5% cashback is capped at ₹4,000 per month — generous for most households.
- Lounge: 4 complimentary domestic airport lounge visits per year via Dreamfolks.
2. HDFC Millennia — best if you split between Flipkart and Amazon
The HDFC Millennia offers 5% cashback on Flipkart, Amazon, Myntra, Swiggy, and 6 other merchants, making it the most diversified online-shopping card. Monthly 5% cap: ₹1,000. Annual fee ₹1,000, waived on ₹1 lakh. 8 domestic lounges per year — double the Flipkart Axis.
3. SBI SimplyCLICK — cheapest entry into the Flipkart ecosystem
The SBI SimplyCLICK at ₹499 annual fee (waived on ₹1L spend) earns 10X reward points on partner merchants including Amazon, Cleartrip, BookMyShow, and Myntra. Flipkart itself isn't a listed partner, but any online spend earns the 5X rate (~1.25% effective), and Myntra adds the 10X (~2.5%).
4. Axis Ace — the flat-rate alternative
The Axis Ace pays 2% unlimited cashback on every online spend including Flipkart. Less per rupee than co-brand cards, but uncapped and versatile. Hold it as a secondary if your Flipkart spend is irregular.
Flipkart sale strategy — stacking discounts
Credit card cashback stacks on top of Flipkart sale discounts — they are separate benefits applied at different layers. During Big Billion Days (typically early October) the math gets interesting:
| Item list price | Sale discount (30%) | Effective price | 5% card cashback | Net cost |
|---|---|---|---|---|
| ₹10,000 | ₹3,000 | ₹7,000 | ₹350 | ₹6,650 |
| ₹50,000 | ₹15,000 | ₹35,000 | ₹1,750 | ₹33,250 |
| ₹1,00,000 | ₹30,000 | ₹70,000 | ₹3,500 | ₹66,500 |
Flipkart Axis Bank Card holders also get an extra 10% instant discount (typically ₹1,750 off) during Big Billion Days, on top of the cashback — making it the best card for high-ticket sale purchases.
Myntra — owned by Flipkart, same rewards
Myntra (Flipkart's fashion subsidiary) qualifies for 5% on the Flipkart Axis Bank Card and the HDFC Millennia. If your household's online spend is Myntra-heavy, both cards work identically — pick the one with easier approval for your profile.
Which Flipkart card fits you?
- Pure Flipkart household (>₹5K/month on Flipkart): Flipkart Axis Bank Card, no contest.
- Mixed Flipkart + Amazon: HDFC Millennia — 5% on both, plus 8 merchants.
- Low volume, general online shopping: SBI SimplyCLICK or Axis Ace.
- Adding to an existing premium card: Flipkart Axis Bank Card as a second card purely for Flipkart earn rate.
For a broader view on online-shopping rewards, see our best credit cards for online shopping round-up. Amazon-heavy shoppers should cross-reference our best credit cards for Amazon shopping guide.
Frequently Asked Questions
Which card gives the highest cashback on Flipkart?
The Flipkart Axis Bank Credit Card, at 5% unlimited (capped at ₹4,000/month). No other mainstream Indian card exceeds 5% on Flipkart.
Does the Flipkart Axis card work on Myntra and Cleartrip?
Yes — both are Flipkart-owned and qualify for the full 5% cashback rate. Flipkart Plus membership also provides free delivery on all three.
Can I use multiple credit cards during Flipkart Big Billion Days?
Yes. Flipkart's sale discounts apply to any card, but the 10% instant discount (bank offer) is card-specific. The Flipkart Axis Bank Card instant discount stacks with its 5% cashback for the best total saving.
Is the ₹500 joining fee worth it for a once-a-year Flipkart sale?
Only if total Flipkart spend exceeds ₹10,000 per year. At that level, 5% cashback (₹500) recovers the fee by itself — everything above is profit.
Credit Cards Editor, OnePaisa Editorial
Sandhya writes on credit cards for OnePaisa — reward programmes, fees and charges, lounge and travel benefits, and head-to-head card comparisons. Every fee, earn rate and benefit in her guides is checked against the issuer's MITC document and official product page, and against OnePaisa's verified product data, before it is published. Where an issuer does not disclose a number, the guide says so instead of estimating it.
Work published under this byline follows OnePaisa’s editorial standards — how our guides are researched, fact-checked against primary sources, and corrected.