Best card for
Best credit card for Nykaa
Which card to use for Nykaa 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 a Nykaa 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+
Pay directly · 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 a Nykaa 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
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹660
660 pts · 6.6%
5
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹638
750 pts · 6.38%
6
HDFC Regalia Gold
Pay directly · 5X partner merchants (Myntra/Nykaa/Reliance Digital)
hdfcbank.com · 20 Aug 2026
₹625
1,250 pts · 6.25%
7
HDFC Diners Club Privilege
Buy a Nykaa 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%
8
Swiggy HDFC Bank
Pay directly · 5% select online brands · cap ₹1,500/cycle
hdfcbank.com · 20 Aug 2026
₹500
5%
9
SBI Cashback Card
Pay directly · 5% all online spends · cap ₹2,000/cycle
sbicard.com · 20 Aug 2026
₹500
5%
10
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
₹500
500 pts · 5%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹300
300 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
₹240
600 pts · 2.4%
3
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹200
1,000 pts · 2%
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
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹638
750 pts · 6.38%
Questions
Which credit card is best for Nykaa?
HDFC Infinia Metal is the best card for Nykaa. It nets ₹1,650 on a ₹10,000 spend. Buy a Nykaa voucher on HDFC SmartBuy first.
Which cards give nothing on Nykaa?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for Nykaa?
Buying a gift voucher first (HDFC Infinia Metal, Buy a Nykaa voucher on HDFC SmartBuy first) nets ₹1,650 on ₹10,000, more than paying directly with HSBC Live+ (₹1,000).