FASHION · RATES CHECKED 22 OCT 2026
Short answer
HSBC Live+ earns the most on Myntra: 10% back, up to ₹1,200 per statement cycle. Next come Flipkart Axis (7.5% back on orders of ₹100+) and Flipkart SBI (7.5% back on orders of ₹100+).
We compared what all 50 credit cards Pickkard tracks earn on Myntra. 50 of them earn something here. The value shown is what the reward is worth when used the way the bank shows first; limits and minimum orders are from each bank’s terms.
| # | Card | Reward | On a ₹2,000 order | Min. order | Limit |
|---|---|---|---|---|---|
| 1 |  1. HSBC Live+HSBC IndiaOffer ends 31 Oct 2026 | 10% back | ₹200 | — | Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate) |
| 2 |  2. Flipkart AxisAxis Bank | 7.5% back | ₹150 | ₹100+ | Up to ₹4,000 per quarter |
| 3 | 3. Flipkart SBISBI Card | 7.5% back | ₹150 | ₹100+ | Up to ₹4,000 per quarter |
| 4 |  4. HDFC Regalia GoldHDFC Bank | 6.25% as Reward Points | ₹125 | ₹200+ | Up to ₹2,500 per calendar month |
| 5 |  5. HDFC MillenniaHDFC Bank | 5% as Reward Points | ₹100 | — | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) |
| 6 | 6. PhonePe UltimoHDFC Bank | 5% as Reward Points | ₹100 | — | Up to ₹500 per calendar month (one limit shared with the card's other apps at this rate) |
| 7 |  7. Cashback SBISBI Card | 5% back | ₹100 | ₹100+ | Up to ₹2,000 per statement cycle |
| 8 | 8. PhonePe SBI BlackSBI Card | 5% as Reward Points | ₹100 | ₹100+ | Up to ₹1,000 per calendar month |
| 9 | 9. Swiggy BLCK HDFCHDFC Bank | 5% back | ₹100 | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) |
| 10 | 10. Swiggy Ornge HDFCHDFC Bank | 5% back | ₹100 | ₹249+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) |
| 11 | 11. SmartEarn AmexAmerican ExpressNo longer issued | 5% as Membership Rewards points | ₹100 | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) |
| 12 |  12. Swiggy HDFCHDFC BankNo longer issued | 5% back | ₹100 | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) |
10% back
Bank’s own terms: HSBC Live+ Myntra launch offer: terms, checked 22 Oct 2026.
7.5% back · min. order ₹100+
Bank’s own terms: Flipkart Axis Bank Credit Card cashback terms, checked 22 Oct 2026.
7.5% back · min. order ₹100+
Bank’s own terms: Flipkart SBI Credit Card terms and conditions booklet, clause 11.1 (Card Cashback), version of October 2026, checked 22 Oct 2026.
HSBC Live+ earns the most on Myntra: 10% back, up to ₹1,200 per statement cycle. Next come Flipkart Axis (7.5% back on orders of ₹100+) and Flipkart SBI (7.5% back on orders of ₹100+).
Not always. PhonePe Ultimo and PhonePe SBI Black 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 Myntra checkout.
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); Flipkart Axis: Up to ₹4,000 per quarter; Flipkart SBI: Up to ₹4,000 per quarter. Above the limit the card earns its lower base rate.
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.
