TRAVEL · RATES CHECKED 22 OCT 2026
Best credit card for ixigo
PhonePe SBI Black, Swiggy BLCK HDFC and Swiggy Ornge HDFC earn the most on ixigo: 5% back.
★ Earns the most for you
PhonePe SBI Black
₹400 a month
5% back · orders of ₹100+ · up to ₹1,000 a month
Bank isn’t taking new applicationsOn 1 ixigo orders of ₹8,000 a month.
Every card, by what it’d earn you
- PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹400a month
Swiggy BLCK HDFC5% back · orders of ₹100+ · up to ₹1,500 a month₹400a month
Swiggy Ornge HDFC5% back · orders of ₹249+ · up to ₹1,500 a month₹400a month
HDFC Diners Black3.33% back · no minimum order · up to ₹75,000 a month₹266a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,00,000 a month₹266a month
Ultimate StanChart3.33% back · no minimum order₹266a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹160a month
Scapia2% back · orders of ₹20+₹160a month
PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹160a month
HSBC Live+1.5% back · no minimum order₹120a month
Tata Neu Infinity1.5% back · no minimum order₹120a month
Axis ACE1.5% back · no minimum orderNo new applications₹120a month
SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹100a month
HDFC Regalia Gold1.25% back · orders of ₹200+ · up to ₹25,000 a month₹100a month
Axis Magnus1.2% back · no minimum order₹96a month
Airtel Axis1% back · no minimum order₹80a month
Amazon Pay ICICI1% back · no minimum order₹80a month
Flipkart Axis1% back · no minimum order₹80a month
HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹80a month
MakeMyTrip ICICI1% back · no minimum order₹80a month
PaisaSave YES1% back · no minimum order₹80a month
Tata Neu Plus1% back · no minimum order₹80a month
Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹80a month
Flipkart SBI1% back · orders of ₹100+₹80a month
Swiggy HDFC1% back · orders of ₹100+ · up to ₹500 a monthNo new applications₹80a month
IRCTC SBI0.8% back · no minimum order₹64a month
Rewards Amex0.67% back · no minimum orderNo new applications₹54a month
IndianOil HDFC0.64% back · orders of ₹150+₹51a month
Cashback+ Kotak0.5% back · no minimum order₹40a month
ICICI Coral0.5% back · no minimum order · up to ₹50 a month₹40a month
Reliance SBI Prime0.5% back · no minimum order₹40a month
SBI Elite0.5% back · no minimum order₹40a month
SBI Prime0.5% back · no minimum order₹40a month
SmartEarn Amex0.5% back · no minimum orderNo new applications₹40a month
Axis MY Zone0.4% back · no minimum order₹32a month
Tiger IndusInd0.4% back · no minimum order₹32a month
BPCL Octane SBI0.25% back · no minimum order₹20a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹3,000 a month₹16a month
OneCard0.2% back · no minimum orderNo new applications₹16a month
SBI SimplySAVE0.17% back · no minimum order₹14a month
IDFC FIRST Millennia0.12% back · no minimum order₹10a month
IDFC FIRST Select0.12% back · no minimum order₹10a month
IDFC FIRST Wealth0.12% back · no minimum order₹10a month
Axis Neo0.1% back · no minimum order₹8a month
HDFC Freedom0.07% back · orders of ₹200+ · up to ₹2,250 a month₹6a 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
- 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
- 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): Table 2.1, travel row, checked 22 Oct 2026
- Swiggy Ornge HDFC: Bank’s own terms: Swiggy Ornge HDFC Bank Credit Card terms (published 15 Oct 2026), Table 2.1: Uber, electronics chains and ixigo with their merchant codes, checked 22 Oct 2026
- HDFC Diners Black: Cardholder reports: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the railway ticket fee, checked 21 Oct 2026
- HDFC Infinia: Cardholder reports: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the railway ticket fee, checked 22 Oct 2026
- Ultimate StanChart: Bank’s own terms: Ultimate Credit Card terms and conditions, section 3 (transaction-wise reward points) and section 4 (redemption), checked 22 Oct 2026
- Smart StanChart: Bank’s own terms: Smart Credit Card: Important Information Document (version March 2026), terms box, checked 22 Oct 2026
- Scapia: Bank’s own terms: Federal Bank and Scapia: Scapia Federal cardholder agreement, version 10, last updated 27 February 2026 (linked from Scapia's site), Earn Rewards d, checked 22 Oct 2026
- PhonePe SBI Purple: Bank’s own terms: PhonePe SBI Card PURPLE Reward Program terms and conditions, clause 2 (Reward Point eligibility) and clause 1 (minimum), checked 22 Oct 2026
- HSBC Live+: Bank’s own terms: HSBC Live+ Credit Card page, checked 22 Oct 2026
Checked 22 Oct 2026. How we check rates.
Questions people ask
Which credit card gives the most rewards on ixigo?
Three cards tie for the most on ixigo at 5%: PhonePe SBI Black (5% as Reward Points on orders of ₹100+, up to ₹1,000 per calendar month), Swiggy BLCK HDFC (5% back on orders of ₹100+, up to ₹1,500 per statement cycle) and Swiggy Ornge HDFC (5% back on orders of ₹249+, up to ₹1,500 per statement cycle).
Do I get the same rewards on ixigo if I pay by UPI?
Not always. PhonePe SBI Black and PhonePe SBI Purple 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 ixigo checkout.
Is there a limit on rewards for ixigo orders?
Yes, most cards cap the higher rate. PhonePe SBI Black: Up to ₹1,000 per calendar month; Swiggy BLCK HDFC: Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate); Swiggy Ornge HDFC: Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate). 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.
Best card for other apps
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.