Best card for
Best credit card for Gyftr (gift cards)
Which card to use for Gyftr (gift cards) in India - all 187 cards ranked
by what you actually get back on ₹5,000, after caps, exclusions and fees.
Top cardson ₹5,000
1
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹330
330 pts · 6.6%
2
PhonePe SBI SELECT BLACK
Pay directly · 5 RP/₹100 on online spends (5% value) · cap 1,000 RP/calendar month
sbicard.com · 22 Aug 2026
₹250
250 pts · 5%
3
Kotak Air+ Prime
Pay directly · 5 AM/₹100 at auto dealers (MCC 5013/5511/5521/5533) · cap 1,500 Air Miles/statement cycle
kotak.com · 22 Aug 2026
₹250
250 pts · 5%
4
YES Bank Marquee
Pay directly · 36 pts / ₹200 on online spends (4.5%)
paisabazaar.com · 20 Aug 2026
₹225
900 pts · 4.5%
5
HDFC Infinia Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹165
165 pts · 3.3%
6
HDFC Diners Club Black Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹165
165 pts · 3.3%
7
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹165
165 pts · 3.3%
8
SC Ultimate
Pay directly
sc.com · 22 Aug 2026
₹165
165 pts · 3.3%
9
Gaj
Pay directly
idfcfirst.bank.in · 30 Sep 2026
₹165
165 pts · 3.3%
10
PVR INOX Kotak
Pay directly · 1 free PVR ticket (≤₹300) per ₹10,000 of monthly billed spends - UNCAPPED ticket count
kotak.com · 22 Aug 2026
₹150
3%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹150
150 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
₹120
300 pts · 2.4%
3
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹100
500 pts · 2%
Best if you pay directly3
1
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹330
330 pts · 6.6%
2
PhonePe SBI SELECT BLACK
Pay directly · 5 RP/₹100 on online spends (5% value) · cap 1,000 RP/calendar month
sbicard.com · 22 Aug 2026
₹250
250 pts · 5%
3
Kotak Air+ Prime
Pay directly · 5 AM/₹100 at auto dealers (MCC 5013/5511/5521/5533) · cap 1,500 Air Miles/statement cycle
kotak.com · 22 Aug 2026
₹250
250 pts · 5%
Cards that earn nothing here15
Axis ACE
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Axis Magnus
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Flipkart Axis Bank
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Airtel Axis Bank
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Axis Bank Cashback
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Axis Atlas
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Axis Privilege
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Axis Reserve
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Axis Burgundy Private
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Axis Magnus for Burgundy
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 27 Aug 2026
Fibe Axis Bank Credit Card
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 2 Oct 2026
Axis Bank Supermoney RuPay Credit Card
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026). Axis excludes by spend category; 5947 is the closest MCC mapping.
campaign.axis.bank.in · 2 Oct 2026
Google Pay Flex Axis Bank Credit Card
28 Aug 2026 portfolio revision notice, linked directly from this card's own page: gift card purchases are excluded from rewards and reclassified into their own 'Gift Card' spend category.
campaign.axis.bank.in · 2 Oct 2026
SBI Cashback Card
Card, gift, novelty and souvenir shops excluded.
sbicard.com · 22 Aug 2026
Flipkart SBI Card
School/education: 0% cashback.
sbicard.com · 22 Aug 2026
Questions
Which credit card is best for Gyftr (gift cards)?
FIRST Private is the best card for Gyftr (gift cards). It nets ₹330 on a ₹5,000 spend. Pay directly.
Which cards give nothing on Gyftr (gift cards)?
15 of the cards we track earn nothing on Gyftr (gift cards), including Axis ACE, Axis Magnus, Flipkart Axis Bank, Airtel Axis Bank, Axis Bank Cashback and 10 more.
Is a gift voucher better than paying directly for Gyftr (gift cards)?
No voucher route earns more here. Pay directly with FIRST Private for ₹330 on ₹5,000.