FASHION · RATES CHECKED 22 OCT 2026

Best credit card for AJIO

HSBC Live+ earns the most on AJIO: 10% back. Next: Cashback SBI (5%) and PhonePe SBI Black (5%).

Usual order ₹2,500

Orders a month 1

Only cards I can apply for

★ Earns the most for you

HSBC Live+

₹250 a month

10% back · no minimum order · up to ₹1,200 a month

On 1 AJIO orders of ₹2,500 a month.

Every card, by what it’d earn you

HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹250a month
Cashback SBI5% back · orders of ₹100+ · up to ₹2,000 a month₹125a month
PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹125a month
PhonePe Ultimo5% back · no minimum order · up to ₹500 a month₹125a month
Reliance SBI Prime5% back · no minimum order₹125a month
Swiggy BLCK HDFC5% back · orders of ₹100+ · up to ₹1,500 a month₹125a month
Swiggy Ornge HDFC5% back · orders of ₹249+ · up to ₹1,500 a month₹125a month
SmartEarn Amex5% back · no minimum order · up to ₹125 a monthNo new applications₹125a month
Swiggy HDFC5% back · orders of ₹100+ · up to ₹1,500 a monthNo new applications₹125a month
Eterna BOBCARD3.75% back · orders of ₹100+ · up to ₹1,250 a month₹94a month
HDFC Diners Black3.33% back · no minimum order · up to ₹75,000 a month₹83a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,00,000 a month₹83a month
Ultimate StanChart3.33% back · no minimum order₹83a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹50a month
Scapia2% back · orders of ₹20+₹50a month
PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹50a month
Tata Neu Infinity1.5% back · no minimum order₹38a month
Axis ACE1.5% back · no minimum orderNo new applications₹38a month
SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹31a month
HDFC Regalia Gold1.25% back · orders of ₹200+ · up to ₹25,000 a month₹31a month
Axis Magnus1.2% back · no minimum order₹30a month
Airtel Axis1% back · no minimum order₹25a month
Amazon Pay ICICI1% back · no minimum order₹25a month
EazyDiner IndusInd1% back · no minimum order · up to ₹750 a month₹25a month
HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹25a month
MakeMyTrip ICICI1% back · no minimum order₹25a month
PaisaSave YES1% back · no minimum order₹25a month
Tata Neu Plus1% back · no minimum order₹25a month
Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹25a month
Flipkart Axis1% back · orders of ₹100+₹25a month
Flipkart SBI1% back · orders of ₹100+₹25a month
IRCTC SBI0.8% back · no minimum order₹20a month
Rewards Amex0.67% back · no minimum orderNo new applications₹17a month
IndianOil HDFC0.64% back · orders of ₹150+₹16a month
Cashback+ Kotak0.5% back · no minimum order₹12a month
ICICI Coral0.5% back · no minimum order₹12a month
SBI Elite0.5% back · no minimum order₹12a month
SBI Prime0.5% back · no minimum order₹12a month
Axis MY Zone0.4% back · no minimum order₹10a month
Tiger IndusInd0.4% back · no minimum order₹10a month
IDFC FIRST Millennia0.38% back · no minimum order₹10a month
IDFC FIRST Select0.38% back · no minimum order₹10a month
IDFC FIRST Wealth0.38% back · no minimum order₹10a month
BPCL Octane SBI0.25% back · no minimum order₹6a month
Shoprite RBL0.25% back · no minimum order₹6a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹3,000 a month₹5a month
OneCard0.2% back · no minimum orderNo new applications₹5a month
SBI SimplySAVE0.17% back · no minimum order₹4a month
Axis Neo0.1% back · no minimum order₹2a month
HDFC Freedom0.07% back · orders of ₹200+ · up to ₹2,250 a month₹2a month

Amounts count each card’s minimum order and monthly limit. Some limits are shared with the card’s other apps, so you may earn less if you also use it elsewhere. Points are valued the way the bank shows first.

Where these numbers come from

HSBC Live+: Bank’s own terms: HSBC Live+ services guide: 10% cashback, checked 22 Oct 2026
Cashback SBI: Bank’s own terms: Cashback SBI Card: revised terms from 1 April 2026, checked 22 Oct 2026
PhonePe SBI Black: Bank’s own terms: PhonePe SBI Card SELECT BLACK terms and conditions booklet, clause 12 (Rewards Program), points 1 and 2, checked 22 Oct 2026
PhonePe Ultimo: Bank’s own terms: PhonePe HDFC Bank Ultimo Credit Card Reward Points TnCs (HDFC Bank PDF, file dated 29 Jul 2026): the 5% bucket, checked 21 Oct 2026
Reliance SBI Prime: Bank’s own terms: Reliance SBI Card PRIME terms and conditions booklet (e-kit dated 12 Oct 2026), clause 11.4 a and b, checked 22 Oct 2026
Swiggy BLCK HDFC: Bank’s own terms: Swiggy BLCK HDFC Bank Credit Card terms (HDFC Bank PDF 'Published on 15-10-2026', read 22 Oct 2026): the 5% row, cap and minimum, checked 22 Oct 2026
Swiggy Ornge HDFC: Bank’s own terms: Swiggy Ornge HDFC Bank Credit Card terms (published 15 Oct 2026), section 2.3 and Table 2.1: the shops HDFC names, checked 22 Oct 2026
SmartEarn Amex: Bank’s own terms: Amex SmartEarn merchant list as of 28 August 2024, the full list the product page links to as amex.co/seccrewards (read 22 Oct 2026), checked 22 Oct 2026
Swiggy HDFC: Bank’s own terms: Swiggy HDFC Bank Credit Card terms (published 13 April 2026): the 5% row, cap and minimum, checked 22 Oct 2026
Eterna BOBCARD: Bank’s own terms: Terms & Conditions 15 July 2026, section 1.2: the table row for Eterna, checked 22 Oct 2026

Checked 22 Oct 2026. How we check rates.

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Questions people ask

Which credit card gives the most rewards on AJIO?

HSBC Live+ earns the most on AJIO: 10% back, up to ₹1,200 per statement cycle. Next come Cashback SBI (5% back on orders of ₹100+) and PhonePe SBI Black (5% as Reward Points on orders of ₹100+).

Do I get the same rewards on AJIO if I pay by UPI?

Not always. PhonePe SBI Black, PhonePe Ultimo, Reliance SBI Prime and Eterna BOBCARD earn less when the payment goes through UPI (including a RuPay card on UPI). To get the rates above, pay with the card itself in the AJIO checkout.

Is there a limit on rewards for AJIO orders?

Yes, most cards cap the higher rate. HSBC Live+: Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate); Cashback SBI: Up to ₹2,000 per statement cycle; PhonePe SBI Black: Up to ₹1,000 per calendar month. Above the limit the card earns its lower base rate.

How up to date are these rates?

Each rate was checked against the bank’s own terms (or, where marked, cardholder reports) on 22 Oct 2026. Banks change their terms several times a year, so check the bank’s page before you apply. How we check rates.

Rewards are as per each bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t paid by any bank for these rankings. Always check the bank’s page before applying.

HSBC Live+

Every card, by what it’d earn you

Questions people ask

Best card for other apps