Cardfare / Best card by merchant / Nykaa
Best credit card for Nykaa
Cards ranked by what a typical ₹1,800 order on Nykaa 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 | HDFC Regalia Gold | ≈ ₹146 | 5X Reward Points (25 RP per ₹200) at Myntra, Nykaa, Reliance Digital, Marks & Spencer; bonus capped at 5,000 RP/month across the four brands; min ₹200 per transaction | 5X brand bonus capped at 5,000 RP per month across Myntra/Nykaa/Reliance Digital/M&S; base 5 RP/₹200 continues uncapped beyond this (Cardfare applies the cap to the whole rule, so it slightly understates earn after the cap) Terms |
| 3 | 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 |
| 4 | 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 |
| 5 | HORIZON Credit Card | ≈ ₹36 | 2 EDGE Miles per ₹100 on other eligible spends | — Terms |
| 6 | Scapia Axis Bank Credit Card | ≈ ₹36 | 10 Scapia Coins per ₹100 (10% rewards = 2% value) on eligible spends of ₹20+ on the Scapia Mastercard, uncapped | — Terms |
| 7 | Axis Bank Atlas Credit Card | ≈ ₹36 | 2 EDGE Miles per ₹100 on other eligible spends | — Terms |
| 8 | 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 |
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.