Best card for
Best credit card for IGP (gifts)
Which card to use for IGP (gifts) in India - all 187 cards ranked
by what you actually get back on ₹10,000, after caps, exclusions and fees.
HDFC Infinia Metal is the best card for IGP (gifts): ₹3,300 on ₹10,000 (33%). Next: HDFC Diners Club Black Metal (₹3,300), Biz Black Metal Edition Credit Card (₹3,300). UPI or debit earns nothing here.
Top cardson ₹10,000
1
HDFC Infinia Metal
Open IGP (gifts) through HDFC SmartBuy, then pay with this card · IGP via SmartBuy 10X · cap inside the SmartBuy monthly pool: 15,000 accelerated RP a month (+15,000/day)
offers.smartbuy.hdfc.bank.in · 17 Oct 2026
₹3,300
3,300 pts · 33%
2
HDFC Diners Club Black Metal
Open IGP (gifts) through HDFC SmartBuy, then pay with this card · IGP via SmartBuy 10X · cap inside the SmartBuy monthly pool: 10,000 accelerated RP a month (+10,000/day)
offers.smartbuy.hdfc.bank.in · 17 Oct 2026
₹3,300
3,300 pts · 33%
3
Biz Black Metal Edition Credit Card
Open IGP (gifts) through HDFC SmartBuy, then pay with this card · IGP via SmartBuy 10X · cap inside the SmartBuy monthly pool: 10,000 accelerated RP a month (+10,000/day)
offers.smartbuy.hdfc.bank.in · 17 Oct 2026
₹3,300
3,300 pts · 33%
4
Axis Burgundy Private
Open IGP (gifts) through Axis GRAB DEALS (in the Axis app), choose 5X EDGE points, then pay with this card · IGP via GRAB DEALS: 5X EDGE points (instead of the cashback) · cap 5,000 EDGE points a month per customer across GRAB DEALS
grabdeals.axis.bank.in · 17 Oct 2026
₹2,678
3,150 pts · 26.78%
5
Axis Magnus for Burgundy
Open IGP (gifts) through Axis GRAB DEALS (in the Axis app), choose 5X EDGE points, then pay with this card · IGP via GRAB DEALS: 5X EDGE points (instead of the cashback) · cap 5,000 EDGE points a month per customer across GRAB DEALS
grabdeals.axis.bank.in · 17 Oct 2026
₹1,512
2,520 pts · 15.12%
6
HDFC Regalia Gold
Open IGP (gifts) through HDFC SmartBuy, then pay with this card · IGP via SmartBuy 10X · cap inside the SmartBuy monthly pool: 4,000 RP a month (+2,000/day)
offers.smartbuy.hdfc.bank.in · 17 Oct 2026
₹1,250
2,500 pts · 12.5%
7
Biz Power Credit Card
Open IGP (gifts) through HDFC SmartBuy, then pay with this card · IGP via SmartBuy 10X · cap inside the SmartBuy monthly pool: 4,000 RP a month (+2,000/day)
offers.smartbuy.hdfc.bank.in · 17 Oct 2026
₹1,250
2,500 pts · 12.5%
8
Axis Bank Cashback
Open IGP (gifts) through Axis GRAB DEALS (in the Axis app), choose the cashback, then pay with this card · IGP via GRAB DEALS: flat 8% cashback (on the price before tax) · cap ₹1,000 cashback per card a month across GRAB DEALS
grabdeals.axis.bank.in · 17 Oct 2026
₹1,028
10.28%
9
HDFC Diners Club Privilege
Open IGP (gifts) through HDFC SmartBuy, then pay with this card · IGP via SmartBuy 10X · cap inside the SmartBuy monthly pool: 4,000 RP a month (+2,000/day)
offers.smartbuy.hdfc.bank.in · 17 Oct 2026
₹1,000
2,000 pts · 10%
10
HDFC Millennia
Open IGP (gifts) through HDFC SmartBuy, then pay with this card · 10% cashback on IGP via SmartBuy · cap ₹1,000 cashback a month across all SmartBuy (other HDFC credit cards)
offers.smartbuy.hdfc.bank.in · 17 Oct 2026
₹1,000
10%
Best with no annual fee3
1
Fibe Axis Bank Credit Card
Open IGP (gifts) through Axis GRAB DEALS (in the Axis app), choose the cashback, then pay with this card · IGP via GRAB DEALS: flat 8% cashback (on the price before tax) · cap ₹1,000 cashback per card a month across GRAB DEALS
grabdeals.axis.bank.in · 17 Oct 2026
₹778
7.78%
2
Axis Bank Supermoney RuPay Credit Card
Open IGP (gifts) through Axis GRAB DEALS (in the Axis app), choose the cashback, then pay with this card · IGP via GRAB DEALS: flat 8% cashback (on the price before tax) · cap ₹1,000 cashback per card a month across GRAB DEALS
grabdeals.axis.bank.in · 17 Oct 2026
₹778
7.78%
3
LIC Axis Bank Signature
Open IGP (gifts) through Axis GRAB DEALS (in the Axis app), choose the cashback, then pay with this card · IGP via GRAB DEALS: flat 8% cashback (on the price before tax) · cap ₹1,000 cashback per card a month across GRAB DEALS
grabdeals.axis.bank.in · 17 Oct 2026
₹773
100 pts · 7.73%
Best if you pay directly3
1
HSBC Live+
Pay directly · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹1,000
10%
2
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹660
660 pts · 6.6%
3
SBI Cashback Card
Pay directly · 5% all online spends · cap ₹2,000/cycle
sbicard.com · 20 Aug 2026
₹500
5%
Questions
Which credit card is best for IGP (gifts)?
HDFC Infinia Metal is the best card for IGP (gifts). It nets ₹3,300 on a ₹10,000 spend. Open IGP (gifts) through HDFC SmartBuy, then pay with this card.
Which cards give nothing on IGP (gifts)?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for IGP (gifts)?
Buying a gift voucher first (HDFC Infinia Metal, Open IGP (gifts) through HDFC SmartBuy, then pay with this card) nets ₹3,300 on ₹10,000, more than paying directly with HSBC Live+ (₹1,000).
Is a credit card worth using for IGP (gifts) at all?
Paying by UPI or debit for IGP (gifts) earns nothing; HDFC Infinia Metal earns ₹3,300 on ₹10,000 after caps and fees.
3 cards have a live offer on IGP (gifts) (discounts, vouchers, buy-one-get-one) on top of what it earns.
See every offer on IGP (gifts)