Cardfare / Best card by merchant / AJIO
Best credit card for AJIO
Cards ranked by what a typical ₹1,800 order on AJIO earns back, using conservative point values. Caps and exclusions are shown next to each rate.
| # | Card | Back on ₹1,800 | Rate | Conditions |
|---|---|---|---|---|
| 1 | HSBC Live+ | ≈ ₹180 | 10% on shopping incl. apparel (shared ₹1,200/month cap) | 10% cashback capped at ₹1,200 a month across dining, food delivery, grocery, shopping and utilities Terms |
| 2 | CASHBACK SBI Card | ≈ ₹90 | 5% cashback on online spends (no merchant restriction) | Online cashback capped at ₹2,000 per statement cycle (from 1 Apr 2026; ₹4,000 combined with the offline cap) Terms |
| 3 | Swiggy HDFC Bank | ≈ ₹90 | 5% cashback on online apparel (e.g. Myntra, Ajio), shares the ₹1,500 per billing cycle 5% cap | 5% online cashback capped at ₹1,500 per billing cycle Terms |
| 4 | HORIZON Credit Card | ≈ ₹36 | 2 EDGE Miles per ₹100 on other eligible spends | — Terms |
| 5 | Axis Bank Atlas Credit Card | ≈ ₹36 | 2 EDGE Miles per ₹100 on other eligible spends | — Terms |
| 6 | HDFC Infinia Metal Edition | ≈ ₹30 | 5 Reward Points per ₹150 on retail spends (incl. insurance, utilities, education) | Maximum 2,00,000 Reward Points earnable per statement cycle Terms |
| 7 | HDFC Diners Club Black Metal | ≈ ₹30 | 5 Reward Points per ₹150 on retail spends | Maximum 75,000 Reward Points earnable per statement cycle Terms |
| 8 | HDFC Regalia Gold | ≈ ₹29 | 5 Reward Points per ₹200 on retail spends (revised from 4 RP/₹150 effective 15 May 2026) | Maximum 50,000 Reward Points earnable per statement cycle (fair usage) Terms |
Ranking uses the bank's published rates only and never depends on any commission. Merchant category codes can differ by payment method (UPI vs card), which can change what a card earns.