Best card for
Best credit card for Croma
Which card to use for Croma in India - all 187 cards ranked
by what you actually get back on ₹40,000, after caps, exclusions and fees.
Top cardson ₹40,000
1
HDFC Infinia Metal
Buy a Croma voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹3,000
3,000 pts · 7.5%
2
HDFC Diners Club Black Metal
Buy a Croma voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹3,000
3,000 pts · 7.5%
3
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹2,660
2,660 pts · 6.65%
4
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹2,550
3,000 pts · 6.38%
5
Amex Platinum Charge
Buy a Croma voucher on Amex ShopWise first · ShopWise vouchers 5X modeled (Rewards Xcelerator reaches up to 20X on 20+ luxury brands)
shopwise.giftstacc.com · 22 Aug 2026
₹2,500
5,000 pts · 6.25%
6
Tata Neu Infinity HDFC
Pay directly · 5% NeuCoins at ALL partner Tata brands (MID/TID-based, not app-gated)
hdfc.bank.in · 22 Aug 2026
₹2,000
2,000 pts · 5%
7
HDFC Regalia Gold
Buy a Croma voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap 3,000 RP/month voucher sub-cap (inside the group cap)
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹2,000
4,000 pts · 5%
8
SBI Cashback Card
Pay directly · 5% all online spends · cap ₹2,000/cycle
sbicard.com · 20 Aug 2026
₹2,000
5%
9
Amex Gold Charge
Buy a Croma voucher on Amex ShopWise first · ShopWise vouchers 5X (continue past 30 Sep 2026 per Amex - rate to re-check)
shopwise.giftstacc.com · 22 Aug 2026
₹2,000
4,000 pts · 5%
10
Axis Bank Cashback
Pay directly · Online cashback, tiered 2% / 5% / 7% by monthly spend · cap ₹4,000/month
axis.bank.in · 22 Aug 2026
₹1,850
4.63%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹1,200
1,200 pts · 3%
2
IndusInd Tiger
Pay directly · Up to 6 pts / ₹100 via annual spend slabs · cap 5,000 pts/month
indusind.bank.in · 21 Aug 2026
₹960
2,400 pts · 2.4%
3
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹800
4,000 pts · 2%
Best if you pay directly3
1
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹2,660
2,660 pts · 6.65%
2
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹2,550
3,000 pts · 6.38%
3
Tata Neu Infinity HDFC
Pay directly · 5% NeuCoins at ALL partner Tata brands (MID/TID-based, not app-gated)
hdfc.bank.in · 22 Aug 2026
₹2,000
2,000 pts · 5%
Questions
Which credit card is best for Croma?
HDFC Infinia Metal is the best card for Croma. It nets ₹3,000 on a ₹40,000 spend. Buy a Croma voucher on HDFC SmartBuy first.
Which cards give nothing on Croma?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for Croma?
Buying a gift voucher first (HDFC Infinia Metal, Buy a Croma voucher on HDFC SmartBuy first) nets ₹3,000 on ₹40,000, more than paying directly with FIRST Private (₹2,660).