Best card for
Best credit card for IKEA
Which card to use for IKEA in India - all 187 cards ranked
by what you actually get back on ₹10,000, after caps, exclusions and fees.
Top cardson ₹10,000
1
HDFC Infinia Metal
Buy an IKEA voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹1,650
1,650 pts · 16.5%
2
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹1,000
10%
3
HDFC Diners Club Black Metal
Buy an IKEA voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹990
990 pts · 9.9%
4
FIRST Private
Swipe / tap at the terminal
idfcfirstbank.com · 25 Sep 2026
₹660
660 pts · 6.6%
5
Axis Burgundy Private
Swipe / tap at the terminal
axis.bank.in · 21 Aug 2026
₹638
750 pts · 6.38%
6
HDFC Regalia Gold
Buy an IKEA 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
₹625
1,250 pts · 6.25%
7
Amex Platinum Charge
Buy an IKEA 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
₹625
1,250 pts · 6.25%
8
HDFC Diners Club Privilege
Buy an IKEA voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap 3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹500
1,000 pts · 5%
9
Amex Gold Charge
Buy an IKEA 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
₹500
1,000 pts · 5%
10
Cashback
Swipe / tap at the terminal · 5% cashback on domestic online spends (min. 4 transactions/cycle) · cap ₹1,500/month
bobcard.co.in · 30 Sep 2026
₹500
5%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Swipe / tap at the terminal
kotak.bank.in · 30 Sep 2026
₹300
300 pts · 3%
2
IndusInd Tiger
Swipe / tap at the terminal · Up to 6 pts / ₹100 via annual spend slabs · cap 5,000 pts/month
indusind.bank.in · 21 Aug 2026
₹240
600 pts · 2.4%
3
Scapia (Federal Bank)
Swipe / tap at the terminal
federal.bank.in · 20 Aug 2026
₹200
1,000 pts · 2%
Best if you pay directly3
1
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹1,000
10%
2
FIRST Private
Swipe / tap at the terminal
idfcfirstbank.com · 25 Sep 2026
₹660
660 pts · 6.6%
3
Axis Burgundy Private
Swipe / tap at the terminal
axis.bank.in · 21 Aug 2026
₹638
750 pts · 6.38%
Questions
Which credit card is best for IKEA?
HDFC Infinia Metal is the best card for IKEA. It nets ₹1,650 on a ₹10,000 spend. Buy an IKEA voucher on HDFC SmartBuy first.
Which cards give nothing on IKEA?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for IKEA?
Buying a gift voucher first (HDFC Infinia Metal, Buy an IKEA voucher on HDFC SmartBuy first) nets ₹1,650 on ₹10,000, more than paying directly with HSBC Live+ (₹1,000).