BEAUTY · RATES CHECKED 22 OCT 2026

Best credit card for Nykaa

HSBC Live+ earns the most on Nykaa: 10% back. Next: HDFC Regalia Gold (6.25%) and Cashback SBI (5%).

Usual order ₹1,500

Orders a month 1

Only cards I can apply for

★ Earns the most for you

HSBC Live+

₹150 a month

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

On 1 Nykaa orders of ₹1,500 a month.

Every card, by what it’d earn you

HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹150a month
HDFC Regalia Gold6.25% back · orders of ₹200+ · up to ₹2,500 a month₹94a month
Cashback SBI5% back · orders of ₹100+ · up to ₹2,000 a month₹75a month
PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹75a month
Swiggy BLCK HDFC5% back · orders of ₹100+ · up to ₹1,500 a month₹75a month
Swiggy Ornge HDFC5% back · orders of ₹249+ · up to ₹1,500 a month₹75a month
SmartEarn Amex5% back · no minimum order · up to ₹125 a monthNo new applications₹75a month
Swiggy HDFC5% back · orders of ₹100+ · up to ₹1,500 a monthNo new applications₹75a month
Eterna BOBCARD3.75% back · orders of ₹100+ · up to ₹1,250 a month₹56a month
HDFC Diners Black3.33% back · no minimum order · up to ₹75,000 a month₹50a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,00,000 a month₹50a month
Ultimate StanChart3.33% back · no minimum order₹50a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹30a month
Scapia2% back · orders of ₹20+₹30a month
PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹30a month
Tata Neu Infinity1.5% back · no minimum order₹22a month
Axis ACE1.5% back · no minimum orderNo new applications₹22a month
SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹19a month
Axis Magnus1.2% back · no minimum order₹18a month
Airtel Axis1% back · no minimum order₹15a month
Amazon Pay ICICI1% back · no minimum order₹15a month
EazyDiner IndusInd1% back · no minimum order · up to ₹750 a month₹15a month
HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹15a month
MakeMyTrip ICICI1% back · no minimum order₹15a month
PaisaSave YES1% back · no minimum order₹15a month
Tata Neu Plus1% back · no minimum order₹15a month
Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹15a month
Flipkart Axis1% back · orders of ₹100+₹15a month
Flipkart SBI1% back · orders of ₹100+₹15a month
IRCTC SBI0.8% back · no minimum order₹12a month
Rewards Amex0.67% back · no minimum orderNo new applications₹10a month
IndianOil HDFC0.64% back · orders of ₹150+₹10a month
Cashback+ Kotak0.5% back · no minimum order₹8a month
ICICI Coral0.5% back · no minimum order₹8a month
Reliance SBI Prime0.5% back · no minimum order₹8a month
SBI Elite0.5% back · no minimum order₹8a month
SBI Prime0.5% back · no minimum order₹8a month
Axis MY Zone0.4% back · no minimum order₹6a month
Tiger IndusInd0.4% back · no minimum order₹6a month
IDFC FIRST Millennia0.38% back · no minimum order₹6a month
IDFC FIRST Select0.38% back · no minimum order₹6a month
IDFC FIRST Wealth0.38% back · no minimum order₹6a month
BPCL Octane SBI0.25% back · no minimum order₹4a month
Shoprite RBL0.25% back · no minimum order₹4a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹3,000 a month₹3a month
OneCard0.2% back · no minimum orderNo new applications₹3a month
SBI SimplySAVE0.17% back · no minimum order₹3a month
Axis Neo0.1% back · no minimum order₹2a month
HDFC Freedom0.07% back · orders of ₹200+ · up to ₹2,250 a month₹1a 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
HDFC Regalia Gold: Bank’s own terms: Regalia Gold reward points terms: 5X brands (HDFC Bank PDF), 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
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
HDFC Diners Black: Bank’s own terms: Diners Club Black Metal Edition Credit Card: HDFC Bank's product page (AMP copy, read 21 Oct 2026), checked 21 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 Nykaa?

HSBC Live+ earns the most on Nykaa: 10% back, up to ₹1,200 per statement cycle. Next come HDFC Regalia Gold (6.25% as Reward Points on orders of ₹200+) and Cashback SBI (5% back on orders of ₹100+).

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

Not always. PhonePe SBI Black 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 Nykaa checkout.

Is there a limit on rewards for Nykaa 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); HDFC Regalia Gold: Up to ₹2,500 per calendar month; Cashback SBI: Up to ₹2,000 per statement cycle. 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