FASHION · RATES CHECKED 22 OCT 2026

Best credit card for Tata CLiQ

HSBC Live+ earns the most on Tata CLiQ: 10% back. Next: Cashback SBI (5%) and HDFC Millennia (5%).

Usual order ₹2,000

Orders a month 1

Only cards I can apply for

★ Earns the most for you

HSBC Live+

₹200 a month

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

On 1 Tata CLiQ orders of ₹2,000 a month.

Every card, by what it’d earn you

HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹200a month
Cashback SBI5% back · orders of ₹100+ · up to ₹2,000 a month₹100a month
HDFC Millennia5% back · no minimum order · up to ₹1,000 a month₹100a month
Tata Neu Infinity5% back · no minimum order · up to ₹15,000 a month₹100a month
PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹100a month
Eterna BOBCARD3.75% back · orders of ₹100+ · up to ₹1,250 a month₹75a month
HDFC Diners Black3.33% back · no minimum order · up to ₹75,000 a month₹67a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,00,000 a month₹67a month
Ultimate StanChart3.33% back · no minimum order₹67a month
SBI SimplyCLICK2.5% back · no minimum order · up to ₹2,500 a month₹50a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹40a month
Tata Neu Plus2% back · no minimum order · up to ₹4,000 a month₹40a month
Scapia2% back · orders of ₹20+₹40a month
PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹40a month
Axis ACE1.5% back · no minimum orderNo new applications₹30a month
HDFC Regalia Gold1.25% back · orders of ₹200+ · up to ₹25,000 a month₹25a month
Axis Magnus1.2% back · no minimum order₹24a month
Airtel Axis1% back · no minimum order₹20a month
Amazon Pay ICICI1% back · no minimum order₹20a month
EazyDiner IndusInd1% back · no minimum order · up to ₹750 a month₹20a month
MakeMyTrip ICICI1% back · no minimum order₹20a month
PaisaSave YES1% back · no minimum order₹20a month
Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹20a month
Flipkart Axis1% back · orders of ₹100+₹20a month
Flipkart SBI1% back · orders of ₹100+₹20a month
Swiggy BLCK HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹20a month
Swiggy Ornge HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹20a month
Swiggy HDFC1% back · orders of ₹100+ · up to ₹500 a monthNo new applications₹20a month
IRCTC SBI0.8% back · no minimum order₹16a month
Rewards Amex0.67% back · no minimum orderNo new applications₹13a month
IndianOil HDFC0.64% back · orders of ₹150+₹13a month
Cashback+ Kotak0.5% back · no minimum order₹10a month
ICICI Coral0.5% back · no minimum order₹10a month
Reliance SBI Prime0.5% back · no minimum order₹10a month
SBI Elite0.5% back · no minimum order₹10a month
SBI Prime0.5% back · no minimum order₹10a month
SmartEarn Amex0.5% back · no minimum orderNo new applications₹10a month
Axis MY Zone0.4% back · no minimum order₹8a month
Tiger IndusInd0.4% back · no minimum order₹8a month
IDFC FIRST Millennia0.38% back · no minimum order₹8a month
IDFC FIRST Select0.38% back · no minimum order₹8a month
IDFC FIRST Wealth0.38% back · no minimum order₹8a month
BPCL Octane SBI0.25% back · no minimum order₹5a month
Shoprite RBL0.25% back · no minimum order₹5a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹3,000 a month₹4a month
OneCard0.2% back · no minimum orderNo new applications₹4a 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
Cashback SBI: Bank’s own terms: Cashback SBI Card: revised terms from 1 April 2026, checked 22 Oct 2026
HDFC Millennia: Bank’s own terms: Millennia Credit Card FAQs (HDFC Bank PDF dated 6 Feb 2026, linked from the product page; read 22 Oct 2026), checked 22 Oct 2026
Tata Neu Infinity: Bank’s own terms: Tata Neu Infinity HDFC Bank Credit Card terms (updated 3 Jan 2026): Annex 1, the fashion limit shared by Tata CLiQ and Westside, 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
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
SBI SimplyCLICK: Bank’s own terms: SimplyCLICK SBI Card product page (data file), 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 Tata CLiQ?

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

Is there a Tata CLiQ credit card, and is it the best for Tata CLiQ?

Yes. Tata Neu Infinity: 5% as NeuCoins; Tata Neu Plus: 2% as NeuCoins. Non-Tata CLiQ cards can match or beat them: HSBC Live+, Cashback SBI and HDFC Millennia are also in the top three.

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

Not always. Tata Neu Infinity, 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 Tata CLiQ checkout.

Is there a limit on rewards for Tata CLiQ 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; HDFC Millennia: Up to ₹1,000 per calendar month (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.

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