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.