Best credit card for MakeMyTrip in India

For a ₹15,000 MakeMyTrip purchase, here are the top Indian credit cards ranked by actual rupee return.

🥇HDFC· ₹12,500 annual

HDFC Infinia Metal Edition

10x Reward Points on Smartbuy travel & shopping (50 RP per ₹150). Redemption capped at 1.5L RP/month for flights/hotels.

₹5000
33.33% back
🥈HDFC· ₹10,000 annual

HDFC Diners Club Black

10x Reward Points on Smartbuy hotels & flights. Cap: 70% of booking value redeemable as points.

₹5000
33.33% back
🥉Axis· ₹5,000 annual

Axis Bank Atlas

5 EDGE Miles per ₹100 on travel (direct hotels, airlines, EDGE portal). Best card for travel category in this tier.

₹750
5.00% back
Show 2 more cards
SBI Cashback
5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.
₹750 (5.00%)
Axis Bank ACE
1.5% cashback on all spends. No cashback on fuel, rent, wallet loads.
₹225 (1.50%)

How we picked these cards

For every MakeMyTrip transaction, we calculate the effective % return on each card — the actual rupees back at the best realistic redemption (Smartbuy, EDGE portal, statement credit, or airline transfer). Capped categories are honored, exclusions are noted, and redemption fees are factored in.

Reward rates are sourced from the bank's product page and re-verified quarterly. The rate you see is what you actually earn, not the headline promo rate.

Top recommendations explained

  1. 1. HDFC Infinia Metal Edition

    10x Reward Points on Smartbuy travel & shopping (50 RP per ₹150). Redemption capped at 1.5L RP/month for flights/hotels.

    HDFC·₹12,500 annual fee·Earn ₹5000 on this purchase
    Source: www.hdfc.bank.in

  2. 2. HDFC Diners Club Black

    10x Reward Points on Smartbuy hotels & flights. Cap: 70% of booking value redeemable as points.

    HDFC·₹10,000 annual fee·Earn ₹5000 on this purchase
    Source: www.hdfcbank.com

  3. 3. Axis Bank Atlas

    5 EDGE Miles per ₹100 on travel (direct hotels, airlines, EDGE portal). Best card for travel category in this tier.

    Axis·₹5,000 annual fee·Earn ₹750 on this purchase
    Source: www.axisbank.com

Frequently asked questions

Which credit card gives the most cashback on MakeMyTrip?

HDFC Infinia Metal Edition earns 33.33% effective back on MakeMyTrip — 10x Reward Points on Smartbuy travel & shopping (50 RP per ₹150). Redemption capped at 1.5L RP/month for flights/hotels.

How is the "best" card on MakeMyTrip calculated?

We rank cards by effective rupee return at the best realistic redemption — accounting for monthly caps, exclusions, and redemption fees. Sources are bank product pages, verified within the last quarter.

Can I stack offers and credit card rewards on MakeMyTrip?

Yes, in most cases bank offers (e.g., 10% off) stack on top of credit card rewards. Always check the offer terms — some "no-cost EMI" or instant discounts disable cashback.

Do reward points expire?

Most Indian banks let you keep points active by spending at least once a year. HDFC and Axis points typically expire after 2–3 years. Amazon Pay ICICI rewards never expire.

Related: best cards for other travel spends

Last verified: 28 Apr 2026. Reward rates are sourced from bank product pages and may change. Always confirm with the card issuer before applying.