If you shop on Myntra regularly, the Flipkart Axis Bank Credit Card is the strongest option right now, offering 7.5% cashback on every Myntra purchase, credited directly to your statement. For shoppers who split their spending across multiple platforms, the HDFC Millennia Credit Card is the smarter all-rounder. The card you pick can mean hundreds to thousands of rupees saved over a year, so it is worth choosing carefully rather than defaulting to whatever card your bank pushes. This guide compares the top credit cards for Myntra shopping in India as of June 2026, with verified cashback rates, fee details, cap limits, and real-spend scenarios to help you decide.
Best Credit Cards for Myntra at a Glance
| Card | Myntra Benefit | Annual Fee | Fee Waiver | Cashback Cap |
| Flipkart Axis Bank | 7.5% cashback | ₹500 | ₹3.5L annual spend | ₹4,000/quarter |
| HDFC Millennia | 5% cashback (CashPoints) | ₹1,000 | ₹1L annual spend | ₹1,000/month |
| SBI SimplyCLICK | 10X reward points (2.5% value) | ₹499 | ₹1L annual spend | No explicit cap |
| Axis Bank Neo | ₹150 flat off on ₹999+ | ₹250/year | None | Flat discount |
| Quick Summary
The Flipkart Axis Bank Credit Card gives the highest cashback on Myntra at 7.5%, capped at ₹4,000 per quarter. The HDFC Millennia Credit Card offers 5% across 10 partner platforms, including Myntra, while the SBI SimplyCLICK provides 10X reward points at a lower annual fee of ₹499. |
1. Flipkart Axis Bank Credit Card: Best for Dedicated Myntra Shoppers
This is the card to have if Myntra is your primary fashion destination. After a cashback upgrade in June 2025, the Flipkart Axis Bank Credit Card now gives 7.5% cashback on Myntra, up from 1% previously. That is a meaningful jump, and it makes this card the highest-returning Myntra credit card available in India right now.
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Myntra Cashback Rate
| Spend Category | Cashback Rate |
| Myntra | 7.5% |
| Flipkart & Cleartrip | 5% |
| Preferred Merchants (Cult.fit, PVR, Swiggy, & Uber) | 4% |
| All Other Spends (Base Rate) | 1% |
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Fees and Fee Waiver
The card carries a joining fee and an annual fee of ₹500 each. The annual fee is waived if your total spending crosses ₹3,50,000 in the card anniversary year, excluding rent payments and wallet load transactions. At 7.5% on Myntra, regular shoppers will likely recover the ₹500 fee within a couple of transactions.
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What the Quarterly Cap Means in Real Terms
The quarterly cashback cap on Myntra is ₹4,000, meaning you earn the full 7.5% rate on approximately ₹53,333 of Myntra spends per quarter. That works out to roughly ₹17,777 per month before you hit the cap. For most Myntra shoppers, including sale-season buyers, this limit is more than sufficient.
One important exclusion: Cashback is not applicable on gift card purchases on Myntra, EMI transactions, purchases converted to EMI post-facto, wallet loading transactions, and cash advances. Plan purchases accordingly during End of Reason Sales and Big Fashion Festivals.
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Other Notable Benefits
Beyond Myntra, the card earns at useful rates across everyday categories. The card also offers up to 15% discount, capped at ₹500, at 10,000+ partner restaurants across India through the Axis Bank Dining Delights programme powered by EazyDiner, valid once per month on bills of ₹2,500 or more.
Lounge access was removed in June 2025, so this card is now positioned squarely as a shopping and lifestyle rewards card.
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Who This Card Suits
Myntra loyalists who shop at least ₹5,000 to ₹10,000 per month on the platform. Also, a solid pick if you book travel on Cleartrip or order on Swiggy regularly. The ₹500 fee is low enough that the card pays for itself within one or two Myntra transactions.
2. HDFC Millennia Credit Card: Best Multi-Platform Pick
If your spending is spread across Amazon, Flipkart, Myntra, Zomato, and Swiggy rather than concentrated on one platform, the HDFC Millennia Credit Card is likely your best option overall.
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Myntra and Partner Cashback
The HDFC Millennia Credit Card offers 5% cashback on 10 partner brands: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. If Myntra is one of several platforms you use, this card effectively replaces multiple category-specific cards.
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How CashPoints Actually Work
Cashback is credited as CashPoints rather than direct cash. These can be redeemed against your statement balance at a 1:1 value. You can also use them for travel bookings and the HDFC product catalogue, but at a significantly lower value.
For maximum returns, you should always redeem points against your statement balance. Please note that HDFC Bank charges a flat ₹50 redemption fee every time you convert CashPoints to statement credit.
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Monthly Cap Reality Check
The Millennia card caps your 5% cashback earnings at 1,000 CashPoints per statement cycle. Because you earn 5% on partner brands, you will hit this cap after spending ₹20,000 collectively across the 10 partner platforms, including Myntra. Any spending on these platforms beyond ₹20,000 in a month will only earn the base reward rate of 1%.
There is a separate cap of 1,000 CashPoints for the 1% base reward category. Note that CashPoints earned in a month cannot be carried over indefinitely and will expire after two years. Additionally, a minimum balance of 500 CashPoints is required before you can initiate a statement redemption.
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Fees and Fee Waiver
| Financial Metric | Detail |
| Joining Fee | ₹1,000 + GST |
| Annual Renewal Fee | ₹1,000 + GST |
| Fee Waiver Threshold | Waived on spending ₹1,00,000+ in the previous card anniversary year |
| Average Monthly Spend for Waiver | ₹8,334 per month |
| CashPoints Redemption Fee | ₹50 per statement redemption request |
| CashPoints Expiry | 2 years from the date of accumulation |
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Who This Card Suits
Young professionals and working individuals who shop across multiple apps rather than sticking to one platform. The 5% rate across 10 brands makes this genuinely versatile. It is also a strong pick if you want one card for Myntra, Swiggy, and Amazon instead of juggling multiple co-branded cards.
3. SBI SimplyCLICK Credit Card: Best Budget Pick
For first-time credit card users or anyone who prefers a low annual fee with solid Myntra rewards, the SBI SimplyCLICK is worth serious consideration.
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10X Reward Points on Myntra: What It Means in Rupees
The SBI SimplyCLICK Credit Card offers 10X reward points on exclusive online shopping partners, including Myntra, along with 5X reward points on all other online spends. In practical terms, you earn 10 reward points per ₹100 spent on Myntra. Since SBI reward points are typically valued at ₹0.25 each, this translates to an effective return of roughly 2.5% on Myntra purchases, which is decent at this fee level.
It is important to note that SBI limits the accelerated 10X earnings to a maximum of 10,000 Reward Points per calendar month. This means the 2.5% return applies to your first ₹1,00,000 spent across the 10X partner brands each month. Any spending beyond this limit will earn the base reward rate.
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Annual Fee and Waiver
The SBI SimplyCLICK Credit Card carries an annual fee of ₹499 plus GST. This is reversed in the subsequent year, when spending ₹1 lakh in the card anniversary year. The joining fee is offset by a welcome Amazon gift card worth ₹500, making the first year effectively free.
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Milestone Vouchers
| Annual Online Spend | Milestone Reward | E-Voucher Partners |
| ₹1,00,000 | ₹2,000 E-Voucher | Cleartrip or Yatra |
| ₹2,00,000 | ₹2,000 E-Voucher | Cleartrip or Yatra |
These milestones add meaningful value for anyone who books domestic travel periodically. Reaching both milestones effectively returns an extra ₹4,000 in value, significantly offsetting your annual costs.
One update to note: From April 2025, Swiggy reward points dropped from 10X to 5X, though Myntra continues to earn at the full 10X rate along with BookMyShow, Cleartrip, Domino’s, Netmeds, and Yatra.
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Who This Card Suits
Students, first-time credit card users, and shoppers with a lower monthly spend who want real Myntra rewards without committing to a ₹1,000 annual fee. The 2.5% effective return is not the highest in this list, but the low barrier to entry makes this card accessible and practical.
4. Axis Bank Neo Credit Card: Entry-Level Option
The Axis Neo is frequently offered as a lifetime-free card (though it carries a standard ₹250 annual fee otherwise), but its Myntra benefit has changed considerably from the flat 10% discount it used to offer.
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Current Myntra Benefit
The Axis Bank Neo Credit Card currently offers ₹150 off on Myntra on a minimum transaction of ₹999. This is a flat rupee discount rather than a percentage, which limits its value on larger purchases. On a ₹999 purchase, it is a decent 15%, but on a ₹5,000 Myntra haul, it amounts to just 3%.
The card does carry other useful everyday benefits, including discounts on Zomato, Blinkit, and BookMyShow, making it a reasonable all-around entry card. For Myntra specifically, however, the benefit does not compete with the top three cards in this list.
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Who This Card Suits
First-time credit card users who want a low or zero annual fee card and shop on Myntra occasionally for smaller purchases. Do not choose this as your primary Myntra card if you spend ₹2,000 or more per month on the platform.
Real-Spend Scenarios: Which Card Saves You More?
The table below shows estimated monthly savings at three Myntra spend levels, accounting for the effective return rate and applicable caps.
| Monthly Myntra Spend | Flipkart Axis Bank (7.5%) | HDFC Millennia (5%) | SBI SimplyCLICK (2.5%) |
| ₹3,000 | ₹225 | ₹150 | ₹75 |
| ₹10,000 | ₹750 | ₹500 | ₹250 |
| ₹25,000 | ₹1,333 (cap hit) | ₹1,050 (cap hit) | ₹625 |
At ₹25,000/month on Myntra, the Flipkart Axis Bank card hits its quarterly cap (₹4,000 per quarter, roughly ₹1,333/month). At that level, combining the Flipkart Axis Bank card for the first ₹17,777 of monthly Myntra spend and HDFC Millennia for the remainder is a practical dual-card strategy.
Cards to Skip for Myntra in 2026
- Kotak Myntra Credit Card: This co-branded card was discontinued and is no longer available for new applications. Do not look for it.
- Amazon Pay ICICI Credit Card: A strong lifetime-free card for Amazon purchases, but it earns only 1% cashback on non-Amazon platforms, including Myntra. Not worth prioritising for Myntra shopping.
How to Pick the Right Myntra Credit Card
The right choice depends on your shopping pattern, not just the headline cashback rate.
- If Myntra is your primary or only shopping platform, the Flipkart Axis Bank Credit Card delivers the highest consistent return at 7.5%, and the ₹500 fee pays for itself quickly.
- If you split monthly spending between Myntra, Amazon, Swiggy, and Zomato, the HDFC Millennia Credit Card works harder across your full wallet, earning 5% on all 10 partner brands under one card.
- If you are a student or first-time credit card user with a smaller monthly budget, the SBI SimplyCLICK Credit Card offers real Myntra rewards at just ₹499 per year, with an accessible eligibility threshold and a joining benefit that offsets the fee.
Wrapping Up
For most Myntra shoppers, the Flipkart Axis Bank Credit Card offers the strongest value in June 2026, thanks to its high cashback rate and straightforward statement credit rewards. However, if you frequently shop across multiple online platforms, the HDFC Millennia Credit Card may provide greater overall flexibility. Budget-conscious users can consider the SBI SimplyCLICK Credit Card for its lower annual fee and accessible rewards. Before applying, compare eligibility requirements, annual fees, and spending habits to choose the card that delivers the highest long-term savings.
FAQs
Which credit card gives the highest cashback on Myntra?
The Flipkart Axis Bank Credit Card offers the highest cashback on Myntra at 7.5%, upgraded from June 2025. Cashback is credited directly to your statement with no points conversion needed. The quarterly cap is ₹4,000, covering approximately ₹53,000 of Myntra spend per quarter before the limit is reached.
Does HDFC Millennia give cashback on Myntra?
Yes. The HDFC Millennia Credit Card offers 5% cashback on Myntra as part of its 10-partner-brand programme. Cashback is credited as CashPoints, redeemable at 1:1 value against your statement balance. The overall monthly earnings cap is ₹1,000 in CashPoints across all partner brands combined.
Is the Flipkart Axis Bank Credit Card good for Myntra shopping?
Yes. It is the strongest dedicated Myntra credit card available in India in June 2026. The 7.5% cashback rate on Myntra, direct statement credit model, and low ₹500 annual fee make it the top pick for frequent Myntra shoppers who spend ₹3,000 or more per month on the platform.
Can I use SBI SimplyCLICK for Myntra purchases?
Yes. SBI SimplyCLICK earns 10X reward points on Myntra purchases, translating to an effective return of approximately 2.5%. The annual fee is ₹499, waived on ₹1 lakh annual spend. It is best suited for users who prefer a budget-friendly entry card with consistent Myntra rewards and lower monthly spending.
Which credit card is best for the Myntra End of Reason Sale?
The Flipkart Axis Bank Credit Card is the best pick for sale events due to its flat 7.5% cashback rate with no minimum spend requirement on Myntra. For very large purchases above the quarterly cap, pairing it with HDFC Millennia for additional transactions maximises savings during major Myntra sales.
Is there a dedicated Myntra co-branded credit card available?
No. The Kotak Myntra Credit Card, which was the only dedicated co-branded Myntra card, has been discontinued and is no longer available for new applicants. Shoppers looking for the highest Myntra rewards should now consider the Flipkart Axis Bank Credit Card instead.
Does the Axis Bank Neo Credit Card give a discount on Myntra?
Yes, but modestly. The Axis Neo currently offers a ₹150 flat off on a minimum Myntra purchase of ₹999. This is a fixed rupee discount rather than a percentage, so its value decreases on larger purchases. For shoppers who spend more than ₹2,000 per month on Myntra, the Flipkart Axis Bank or HDFC Millennia cards deliver significantly better returns.
Disclaimer: Credit card cashback rates, reward structures, and Myntra-specific benefits mentioned in this article are subject to change without notice. Always check the latest terms on your bank’s official website before applying. This information is accurate as of June 2026.
