Which credit card on Amazon, Flipkart, Myntra: 6–15 Nov 2026 guide

From 6 to 15 November 2026, the only official bank offer we confirmed across these sites is SBI's 10% instant discount on Flipkart, valid to 10 November with per-refresh caps (₹1,000 on mobiles, full swipe). On Amazon and Myntra no live bank offer was confirmed, so base rates rule: Amazon Pay ICICI 5% for Prime, Flipkart Axis 7.5% on Myntra.

This is the fourth post in Spendzie's card knowledge series, and a checkout guide rather than a card list. Our 3 November posts already cover which sales are live and which card fits which Diwali category; this one answers a narrower question for the days after Diwali: on each site, which card do you tap? Facts were checked on 6 November and re-checked on 7 November 2026.

Key facts: card offers on Amazon, Flipkart, Myntra (as of 7 November 2026)

• Flipkart: SBI 10% instant discount, 28 October to 10 November 2026. SBI's terms give the closing time as '11:59 hrs' on 10 November, which on a plain reading is before noon, so do not count on the evening of 10 November. The last cap refresh was on 6 November.
• Flipkart caps per card per refresh: ₹1,000 on mobiles (full swipe); otherwise SBI's terms say 'Max Discount Applicable would be Rs 1250 on Full Swipe & Rs 1500 on EMI per card per refresh between 1-10 Nov'26'; lifestyle ₹750; ₹48,000 per card for the whole offer.
• Excluded from that SBI offer: Flipkart SBI, Cashback SBI, Paytm SBI, Eternal SBI, SBI/Tata corporate cards, and RuPay credit cards used through UPI.
• Amazon: SBI's 10% offer ran 8 to 20 October and has ended; no current bank offer was confirmed on Amazon or bank pages.
• Myntra: SBI's Diwali offer ran 27 October to 2 November and has ended; no live Myntra bank offer was found on 6 or 7 November.
• Base rates: Amazon Pay ICICI 5% (Prime) with no stated cap; Flipkart Axis 5% on Flipkart and 7.5% on Myntra, each capped at ₹4,000 per statement quarter.

Which credit card should I use on Flipkart from 6 to 10 November?

If you hold an SBI card that is not on the exclusion list, the 10% instant discount usually gives more on small and mid-size orders; on large orders, a 5% cashback card can catch up. Spendzie's arithmetic: with a ₹1,250 cap, 10% beats 5% cashback on bills up to ₹25,000; with the ₹1,000 mobiles cap, up to ₹20,000. That ignores bonus discounts, which add to the SBI side, and the reward points SBI forfeits on non-EMI offer transactions, which subtract from it.

You pay each order with one card, so it is either the SBI discount or your co-brand cashback, not both. Flipkart Axis pays 5% on Flipkart, capped at ₹4,000 per statement quarter per merchant, which is ₹80,000 of Flipkart spend at 5%. Flipkart SBI cardholders are shut out of the 10% offer but SBI's terms give them a separate 5% instant discount on full swipe, capped at ₹500 per card on mobiles, large appliances and electronics. After 10 November the SBI offer ends, and base rates decide again.

We have not repeated the full cap and bonus tables here. In short, bonus discounts start at ₹200 on orders of ₹16,990 and above and peak at ₹2,000 on orders of ₹69,990 and above (₹99,990 and above gets ₹1,000 on full swipe or ₹1,250 on EMI), mostly on select products; each bonus can be used up to six times, with a ₹37,500 bonus cap per card. Our Diwali shopping checklist walks through them with a worked phone example.

Which credit card should I use on Amazon from 6 to 15 November?

With no confirmed bank offer, Amazon Pay ICICI is the steady default for Amazon orders if you already hold it. ICICI's terms give 5% on amazon.in for Prime members and 3% for others, 'Excluding Gold Coins via Amazon Pay', and 1% elsewhere, with no cap stated. EMI transactions do not earn, and points are clawed back if you convert a purchase to EMI later. Gold, silver and precious metals earn nothing.

Deal sites DesiDime and MySmartPrice have listed 10% off with Axis and ICICI Bank cards in a later phase of the Great Indian Festival; an earlier listing gave 15 November as the end date, while DesiDime's listing on 7 November showed a deal of this kind dated only to 7 November. We could not confirm any of this on Amazon's or the banks' pages (ICICI's Great Indian Festival offer page we found refers to 2023), nor whether Amazon Pay ICICI would qualify. Check the bank offer shown on the product page at checkout, not a screenshot.

Which credit card gives the most on Myntra right now?

On published base rates, Flipkart Axis gives the highest: Axis's page lists '7.5% cashback on Myntra spends* capped at INR 4000 per statement quarter', which is about ₹53,333 of Myntra spend before the cap. Flipkart SBI is reported by Paisabazaar to pay the same 7.5% with a ₹4,000 quarterly cap; SBI's own page could not be read, and sources disagree on whether that cap is per category or per platform.

Next come general cards. HDFC Millennia pays 5% CashBack at 10 merchants including Myntra, capped at 1,000 CashPoints, with the period unclear in its terms ('per Cycle' in the table, 'calendar month' in the clause). SBI Cashback pays 5% on online spends up to ₹2,000 a cycle, reached at ₹40,000. Axis Ace pays 1.5%. SBI's own Myntra Diwali offer (10%, ₹750 cap on full swipe) ran 27 October to 2 November and is over, so a bank offer you saw last week may no longer apply.

Card comparison for Amazon, Flipkart and Myntra (6–15 November 2026)

Each row reads card — fee — rewards — cap — exclusions — interest-free days — who it suits. Interest-free days were not part of this check; see each card's MITC.

• Amazon Pay ICICI — joining and annual fee nil — 5% Prime or 3% non-Prime on amazon.in; 2% on digital categories via Amazon Pay; 1% elsewhere — no cap stated — fuel, gold, silver, precious metals, tax, rent, education, international and non-Amazon utilities; EMI not eligible — not checked — Amazon-heavy shoppers, especially Prime members.
• Flipkart Axis — ₹500, waived above ₹3.5 lakh annual spend — 7.5% Myntra; 5% Flipkart and Cleartrip; 4% preferred merchants; 1% elsewhere — ₹4,000 per statement quarter on Myntra, and ₹4,000 per quarter per merchant on Flipkart and Cleartrip — fuel — not checked — regular Flipkart and Myntra shoppers who have not hit this quarter's cap.
• Flipkart SBI (as reported by Paisabazaar) — ₹500 — 7.5% Myntra; 5% Flipkart, Shopsy, Cleartrip — ₹4,000 a quarter (per category or per platform unclear) — excluded from SBI's 10% Flipkart offer, but has its own 5% instant discount (₹500 cap on mobiles, large appliances, electronics) — not checked — Flipkart and Myntra shoppers; confirm terms with SBI.
• HDFC Millennia — ₹1,000, waived on ₹1 lakh annual spend — 5% CashBack on 10 merchants including Amazon, Flipkart, Myntra and Tata CLiQ; 1% elsewhere — 1,000 CashPoints (period unclear) — 5% is non-EMI only; fuel, EMI, wallet, rent, government excluded — not checked — people who split shopping across several sites.
• SBI Cashback — fee not covered here — 5% online; 1% offline — ₹2,000 online plus ₹2,000 offline per statement cycle — merchant EMI and FlexiPay, jewellery, fuel and more; excluded from SBI's 10% Flipkart offer — not checked — online shoppers spending under about ₹40,000 a cycle.
• Axis Ace — ₹499, waived on ₹2 lakh annual spend — 1.5% on all three sites — no cap on the 1.5% — jewellery, gold, fuel, EMI — not checked — a fallback when co-brand caps are used up.

Have you already used up this quarter's cap?

Check before you assume 5% or 7.5%. Flipkart Axis caps run per statement quarter, so a large October sale order may have used most of this quarter's ₹4,000 on Flipkart or on Myntra. Once a cap is hit, the effective rate drops to whatever the card pays beyond it, and a general card such as Axis Ace at 1.5% or Millennia at 5% (within its own cap) may earn more. For category-by-category picks, including food, bills and gift cards, see our 3 November card-by-category post.

Spendzie reads your bank and card SMS alerts to track spends, EMIs and card fees, so you can see how much you have put on each card this quarter and how close you are to a cashback cap. Spendzie does not give loans, does not give investment advice and is not a bank.

Publish notes and sources

• SBI Flipkart Big Bang Diwali offer: 10% instant discount 28 Oct–10 Nov 2026, closing '11:59 hrs'; refresh on 6 Nov; mobiles ₹1,000 per card per refresh on full swipe; 'Max Discount Applicable would be Rs 1250 on Full Swipe & Rs 1500 on EMI per card per refresh between 1-10 Nov'26'; lifestyle ₹750; bonus ₹200 at ₹16,990+, ₹300 at ₹19,990+, ₹500 at ₹24,990+ and ₹34,990+, ₹1,500 at ₹49,990+, ₹2,000 at ₹69,990+, ₹1,000 (full swipe) / ₹1,250 (EMI) at ₹99,990+ (select products), each usable 6 times, max bonus ₹37,500 per card; ₹48,000 per card for entire period; reward points forfeited on non-EMI offer transactions; excludes SBI/Tata corporate, Paytm SBI, Flipkart SBI, Eternal SBI, Cashback SBI, RuPay credit via UPI; separate 5% Flipkart SBI full-swipe offer with ₹500 cap on mobiles, large appliances, electronics — SBI Card offer T&C, re-checked 7 Nov 2026 (still live, no extension noted) — https://www.sbicard.com/sbi-card-en/assets/docs/html/personal/offers/festive/festive-offers/pdf/national/TnCs/flipkart/TnC_Flipkart.pdf
• Break-even: ₹1,250 ÷ 5% = ₹25,000; ₹1,000 ÷ 5% = ₹20,000; Flipkart Axis ₹4,000 ÷ 5% = ₹80,000; ₹4,000 ÷ 7.5% ≈ ₹53,333; SBI Cashback ₹2,000 ÷ 5% = ₹40,000 — Spendzie arithmetic from issuer terms
• SBI Amazon offer 10%, 8–20 Oct 2026 (ended) — SBI Card Festive Offers page, verified 3–5 Nov 2026 — https://www.sbicard.com/sbi-card-en/assets/docs/html/personal/offers/festive/festive-offers/index-page.html
• Amazon 'Reloaded' 10% off with Axis/ICICI Bank cards: earlier listing gave validity 15 Nov 2026; DesiDime listing on 7 Nov 2026 showed an Axis/ICICI 10% deal dated to 7 Nov 2026 (unverified; deal-site listings only; no Amazon or bank page found) — DesiDime — https://www.desidime.com/festivals/amazon-great-indian-festival-sale?type=deals; MySmartPrice — https://www.mysmartprice.com/gear/internet/internet-news/amazon-great-indian-festival-2026-kicks-off-october-8-key-deals-dates-and-bank-offers/
• SBI Myntra Diwali offer 27 Oct–2 Nov 2026 (ended), 10%, ₹750 cap on full swipe; no live Myntra bank offer found on 6 or 7 Nov 2026 (web search 7 Nov) — SBI Card Myntra offer page — https://www.sbicard.com/en/personal/offer/myntra-28oct26.page
• Amazon Pay ICICI: fees nil; 5% Prime / 3% non-Prime 'Excluding Gold Coins via Amazon Pay'; 2% digital via Amazon Pay; 1% others; unlimited; EMI not eligible with clawback; fuel, gold/silver/precious metals, tax, rent, education, international, non-Amazon utilities excluded; 2% on physical gift cards; no lounge listed on product page — ICICI product page and T&C, verified 3–5 Nov 2026 — https://www.icicibank.com/personal-banking/cards/credit-card/amazon-pay-credit-card and https://www.icicibank.com/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/tc-for-amazon-pay-credit-card.pdf
• Flipkart Axis: 7.5% Myntra capped INR 4,000 per statement quarter; 5% Flipkart and Cleartrip capped ₹4,000 per statement quarter per merchant; 4% preferred, 1% other; no cashback on fuel; ₹500 joining fee and ₹500 annual fee from year two, waived above ₹3.5 lakh — Axis Bank product page, verified 3–5 Nov 2026 — https://www.axisbank.com/retail/cards/credit-card/flipkart-axisbank-credit-card
• Flipkart SBI: 7.5% Myntra, 5% Flipkart/Shopsy/Cleartrip, ₹4,000 quarterly cap, ₹500 fee (aggregator, as reported by Paisabazaar; SBI page not readable) — https://www.paisabazaar.com/credit-card/compare/flipkart-sbi-credit-card-vs-flipkart-axis-bank-credit-card/
• HDFC Millennia: 5% on 10 merchants incl. Amazon, Flipkart, Myntra, Tata CLiQ; max 1,000 CashPoints ('per Cycle' vs 'calendar month'); 5% non-EMI only; gift/prepaid loads and vouchers count as other spends (1%); fuel, EMI, wallet, rent, government excluded; fee ₹1,000 waived on ₹1 lakh — Millennia T&C 20 Jul 2026 — https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/millennia-credit-card/pdf/millennia-tnc-20th-jul26.pdf; HDFC product page — https://www.hdfc.bank.in/credit-cards/millennia-credit-card
• SBI Cashback: 5% online capped ₹2,000 + 1% offline capped ₹2,000 per statement cycle from 1 Apr 2026; merchant EMI/FlexiPay, jewellery, fuel excluded — SBI Card revision PDF — https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf
• Axis Ace: 1.5% other spends unlimited; jewellery/gold, fuel, EMI excluded; fee ₹499 waived on ₹2 lakh — Axis Bank product page — https://www.axisbank.com/retail/cards/credit-card/axis-bank-ace-credit-card
• Researched by the Spendzie editorial desk on 6 November 2026 and re-verified on 7 November 2026 (SBI Flipkart T&C, Axis, ICICI and HDFC pages re-read 7 Nov; SBI's Amazon festive page is script-rendered and was last read 3–5 Nov). Figures may change; we will update this post if they do.

Disclaimer

This article is general information only and is not financial, investment, tax or legal advice. Spendzie is not a bank, lender, SEBI-registered investment adviser or research analyst. Bank, card, platform and brand names are used for identification only; this is not a recommendation to apply for or use any card. Offers change quickly; always check the live offer and terms on the platform's checkout page and the issuer's official page before you pay.