ELECTRONICS · RATES CHECKED 22 OCT 2026

Best credit card for Reliance Digital

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

Usual order ₹15,000

Orders a month 1

Only cards I can apply for

★ Earns the most for you

HSBC Live+

₹1,200 a month

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

On 1 Reliance Digital orders of ₹15,000 a month.

Every card, by what it’d earn you

HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹1,200a month
HDFC Regalia Gold6.25% back · orders of ₹200+ · up to ₹2,500 a month₹938a month
Cashback SBI5% back · orders of ₹100+ · up to ₹2,000 a month₹750a month
PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹750a month
Swiggy BLCK HDFC5% back · orders of ₹100+ · up to ₹1,500 a month₹750a month
Swiggy Ornge HDFC5% back · orders of ₹249+ · up to ₹1,500 a month₹750a month
Eterna BOBCARD3.75% back · orders of ₹100+ · up to ₹1,250 a month₹562a month
HDFC Diners Black3.33% back · no minimum order · up to ₹75,000 a month₹500a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,00,000 a month₹500a month
Ultimate StanChart3.33% back · no minimum order₹500a month
Reliance SBI Prime2.5% back · no minimum order₹375a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹300a month
Scapia2% back · orders of ₹20+₹300a month
PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹300a month
Tata Neu Infinity1.5% back · no minimum order₹225a month
Axis ACE1.5% back · no minimum orderNo new applications₹225a month
SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹188a month
Axis Magnus1.2% back · no minimum order₹180a month
Airtel Axis1% back · no minimum order₹150a month
Amazon Pay ICICI1% back · no minimum order₹150a month
HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹150a month
MakeMyTrip ICICI1% back · no minimum order₹150a month
Tata Neu Plus1% back · no minimum order₹150a month
Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹150a month
Flipkart Axis1% back · orders of ₹100+₹150a month
Flipkart SBI1% back · orders of ₹100+₹150a month
Swiggy HDFC1% back · orders of ₹100+ · up to ₹500 a monthNo new applications₹150a month
IRCTC SBI0.8% back · no minimum order₹120a month
Rewards Amex0.67% back · no minimum orderNo new applications₹100a month
IndianOil HDFC0.64% back · orders of ₹150+₹96a month
Cashback+ Kotak0.5% back · no minimum order₹75a month
ICICI Coral0.5% back · no minimum order₹75a month
SBI Elite0.5% back · no minimum order₹75a month
SBI Prime0.5% back · no minimum order₹75a month
SmartEarn Amex0.5% back · no minimum orderNo new applications₹75a month
Axis MY Zone0.4% back · no minimum order₹60a month
EazyDiner IndusInd0.4% back · no minimum order · up to ₹750 a month₹60a month
Tiger IndusInd0.4% back · no minimum order₹60a month
IDFC FIRST Millennia0.38% back · no minimum order₹57a month
IDFC FIRST Select0.38% back · no minimum order₹57a month
IDFC FIRST Wealth0.38% back · no minimum order₹57a month
BPCL Octane SBI0.25% back · no minimum order₹38a month
Shoprite RBL0.25% back · no minimum order₹38a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹3,000 a month₹30a month
OneCard0.2% back · no minimum orderNo new applications₹30a month
SBI SimplySAVE0.17% back · no minimum order₹26a month
Axis Neo0.1% back · no minimum order₹15a month
HDFC Freedom0.07% back · orders of ₹200+ · up to ₹2,250 a month₹10a 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: MCC table, electronics stores, 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 same row is in the terms of 4 March 2026): Table 2.1, Reliance Retail with electronics codes, 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
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
HDFC Infinia: Bank’s own terms: Infinia Metal Credit Card: HDFC Bank's product page (read 22 Oct 2026), 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

Checked 22 Oct 2026. How we check rates.

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Questions people ask

Which credit card gives the most rewards on Reliance Digital?

HSBC Live+ earns the most on Reliance Digital: 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+).

Is there a Reliance Digital credit card, and is it the best for Reliance Digital?

Yes. Reliance SBI Prime: 2.5% as Reward Points. Non-Reliance Digital cards can match or beat them: HSBC Live+, HDFC Regalia Gold and Cashback SBI are also in the top three.

Do I get the same rewards on Reliance Digital 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 Reliance Digital checkout.

Is there a limit on rewards for Reliance Digital 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