Best card by app
Best credit card for Nykaa
Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026
Quick answer. For ₹5,000 a month on Nykaa, HSBC Live+ returns about ₹6,000 a year, or ₹5,001 after its ₹999 annual fee. With no annual fee, CheQ AU returns ₹1,500 a year.
Most back at ₹5,000 a month HSBC Live+ ₹5,001 a year after the fee Most back at ₹15,000 a month HSBC Live+ ₹13,941 a year after the fee Best with no annual fee CheQ AU ₹1,500 a year
Pick your monthly Nykaa spend
₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹7,500 ₹10,000 ₹15,000 ₹20,000 ₹30,000
₹3,000 a month on Nykaa # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹3,600 ₹999 ₹2,601 Apply 2 HDFC Bank PIXEL Play HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 3 Swiggy HDFC HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 5 CheQ AU AU Small Finance Bank ₹900 Free ₹900 Bank page 6 Axis Bank Cashback Axis Bank ₹1,800 ₹1,000 ₹800 Apply 7 Swiggy BLCK HDFC Bank HDFC Bank ₹1,800 ₹1,000 ₹800 Apply 8 Zaggle AU Small Finance Bank ₹720 Free ₹720 Apply 9 Scapia Axis Bank Axis Bank ₹720 Free ₹720 Apply 10 Kotak 811 Dream Different Kotak Mahindra Bank ₹720 Free ₹720 Bank page
₹5,000 a month on Nykaa # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹6,000 ₹999 ₹5,001 Apply 2 HDFC Bank PIXEL Play HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 3 Swiggy HDFC HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 5 Axis Bank Cashback Axis Bank ₹3,000 ₹1,000 ₹2,000 Apply 6 Swiggy BLCK HDFC Bank HDFC Bank ₹3,000 ₹1,000 ₹2,000 Apply 7 PhonePe SBI Card SELECT BLACK SBI Card ₹3,000 ₹1,499 ₹1,501 Bank page 8 CheQ AU AU Small Finance Bank ₹1,500 Free ₹1,500 Bank page 9 PVR INOX Kotak Kotak Mahindra Bank ₹1,800 ₹499 ₹1,301 Bank page 10 Zaggle AU Small Finance Bank ₹1,200 Free ₹1,200 Apply
₹7,500 a month on Nykaa # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹9,000 ₹999 ₹8,001 Apply 2 HDFC Bank PIXEL Play HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 3 Swiggy HDFC HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 5 Axis Bank Cashback Axis Bank ₹4,500 ₹1,000 ₹3,500 Apply 6 Swiggy BLCK HDFC Bank HDFC Bank ₹4,500 ₹1,000 ₹3,500 Apply 7 PhonePe SBI Card SELECT BLACK SBI Card ₹4,500 ₹1,499 ₹3,001 Bank page 8 CheQ AU AU Small Finance Bank ₹2,250 Free ₹2,250 Bank page 9 PVR INOX Kotak Kotak Mahindra Bank ₹2,700 ₹499 ₹2,201 Bank page 10 Zaggle AU Small Finance Bank ₹1,800 Free ₹1,800 Apply
₹10,000 a month on Nykaa # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹12,000 ₹999 ₹11,001 Apply 2 HDFC Bank PIXEL Play HDFC Bank ₹6,000 Free ₹6,000 Apply 3 Swiggy HDFC HDFC Bank ₹6,000 ₹500 ₹5,500 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹6,000 ₹500 ₹5,500 Apply 5 Axis Bank Cashback Axis Bank ₹6,000 ₹1,000 ₹5,000 Apply 6 Swiggy BLCK HDFC Bank HDFC Bank ₹6,000 ₹1,000 ₹5,000 Apply 7 PhonePe SBI Card SELECT BLACK SBI Card ₹6,000 ₹1,499 ₹4,501 Bank page 8 PVR INOX Kotak Kotak Mahindra Bank ₹3,600 ₹499 ₹3,101 Bank page 9 CheQ AU AU Small Finance Bank ₹3,000 Free ₹3,000 Bank page 10 Hello Cashback IDFC FIRST Bank ₹3,600 ₹1,000 ₹2,600 Apply
₹15,000 a month on Nykaa # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹14,940 ₹999 ₹13,941 Apply 2 Swiggy Ornge HDFC Bank HDFC Bank ₹9,000 Free ₹9,000 Apply 3 Swiggy HDFC HDFC Bank ₹9,000 ₹500 ₹8,500 Apply 4 Axis Bank Cashback Axis Bank ₹9,000 ₹1,000 ₹8,000 Apply 5 Swiggy BLCK HDFC Bank HDFC Bank ₹9,000 ₹1,000 ₹8,000 Apply 6 PhonePe SBI Card SELECT BLACK SBI Card ₹9,000 ₹1,499 ₹7,501 Bank page 7 HDFC Bank PIXEL Play HDFC Bank ₹6,600 Free ₹6,600 Apply 8 PVR INOX Kotak Kotak Mahindra Bank ₹5,400 ₹499 ₹4,901 Bank page 9 CheQ AU AU Small Finance Bank ₹4,500 Free ₹4,500 Bank page 10 Hello Cashback IDFC FIRST Bank ₹5,400 ₹1,000 ₹4,400 Apply
₹20,000 a month on Nykaa # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹15,840 Free ₹15,840 Apply 2 Swiggy BLCK HDFC Bank HDFC Bank ₹12,000 Free ₹12,000 Apply 3 Swiggy HDFC HDFC Bank ₹12,000 Free ₹12,000 Apply 4 Swiggy Ornge HDFC Bank HDFC Bank ₹12,000 Free ₹12,000 Apply 5 Axis Bank Cashback Axis Bank ₹12,000 ₹1,000 ₹11,000 Apply 6 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 ₹1,499 ₹10,501 Bank page 7 HDFC Bank PIXEL Play HDFC Bank ₹7,200 Free ₹7,200 Apply 8 Hello Cashback IDFC FIRST Bank ₹7,200 Free ₹7,200 Apply 9 PVR INOX Kotak Kotak Mahindra Bank ₹7,200 ₹499 ₹6,701 Bank page 10 CheQ AU AU Small Finance Bank ₹6,000 Free ₹6,000 Bank page
₹30,000 a month on Nykaa # Card Rewards a year Annual fee Net a year Link 1 Swiggy BLCK HDFC Bank HDFC Bank ₹18,000 Free ₹18,000 Apply 2 Swiggy HDFC HDFC Bank ₹18,000 Free ₹18,000 Apply 3 Swiggy Ornge HDFC Bank HDFC Bank ₹18,000 Free ₹18,000 Apply 4 HSBC Live+ HSBC India ₹17,640 Free ₹17,640 Apply 5 Axis Bank Cashback Axis Bank ₹18,000 ₹1,000 ₹17,000 Apply 6 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 Free ₹12,000 Bank page 7 Hello Cashback IDFC FIRST Bank ₹10,800 Free ₹10,800 Apply 8 PVR INOX Kotak Kotak Mahindra Bank ₹10,800 ₹499 ₹10,301 Bank page 9 CheQ AU AU Small Finance Bank ₹9,000 Free ₹9,000 Bank page 10 CRED IndusInd Bank RuPay IndusInd Bank ₹9,000 ₹499 ₹8,501 Bank page
Rewards a year: what the card pays back on Nykaa alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.
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Questions Which credit card gives the most back on Nykaa? At ₹5,000 a month, HSBC Live+ gives the most after its annual fee: about ₹5,001 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.
Is there a lifetime free card for Nykaa? CheQ AU charges no annual fee and returns about ₹1,500 a year on ₹5,000 a month of Nykaa spends.
How does Saifu work these figures out? Each card's reward rules, caps and exclusions from its bank's terms are run on three months of Nykaa spends at each amount, then scaled to a year. Only Nykaa spends count towards the caps here; if your other spends share the same cap, you get less.
See also: best cards by type , find a card for all your spends , compare two cards .