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Best Credit Card for Fashion & Apparel in India (2026)

Quick answer:

Titan SBI Credit Card gives you up to 7.5% back on clothing, shoes, and fashion accessories — the highest of any card we track. IKEA Family Axis Bank Credit Card is the best free alternative.

Updated April 2026·10 cards compared·No affiliate commissions

Key insight

Fashion spending varies wildly — ₹2,000 to ₹50,000+/month. The key is whether your purchase codes as 'Apparel' (rare accelerated category) or generic 'Online Shopping' (more commonly accelerated).

Top 10 Cards for Fashion & Apparel

Titan SBI Credit Card

SBI

Up to 7.5% — directly optimised for shopping

Reward rateUp to 7.5%

Annual fee₹2,999

Score8.8/10

Co-branded / Direct

Myntra Kotak Credit Card

Kotak

Up to 7.5% — directly optimised for shopping (best on myntra)

Reward rateUp to 7.5%

Annual fee₹500

Score7.8/10

Co-branded / Direct

Shoppers Stop Black HDFC Bank Credit Card

HDFC

Up to 7% — directly optimised for lifestyle

Adani One ICICI Bank Signature

ICICI

Up to 7% — directly optimised for shopping

Samsung Axis Bank Signature Credit Card

Axis

Up to 5% — directly optimised for shopping

SBI Flipkart Credit Card

SBI

Up to 5% — directly optimised for shopping (best on flipkart)

Standard Chartered Manhattan Platinum Credit Card

Standard Chartered

Up to 5% — directly optimised for shopping

Fabindia SBI Card

SBI

Up to 5% — directly optimised for shopping

IKEA Family Axis Bank Credit Card

Axis

Up to 5% — directly optimised for lifestyle

HDFC Pixel Play Credit Card

HDFC

Up to 5% — directly optimised for shopping

How We Ranked These

We ranked all 239 credit cards in our database against Fashion & Apparel using three tiers of relevance:

Direct match — cards specifically designed for or partnered with Fashion & Apparel (co-branded cards, direct accelerated rewards)
Category match — cards that earn accelerated rewards on the spending category that Fashion & Apparel falls under
Broad match — cards that earn elevated rewards on related or overlapping categories

Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.

The Math: How Much Can You Actually Earn?

Monthly spend	Titan SBI Credit Card	Myntra Kotak Credit Card	Shoppers Stop Black HD…
₹5.0K/mo	₹4.5K/yr	₹4.5K/yr	₹4.2K/yr
₹15.0K/mo	₹13.5K/yr	₹13.5K/yr	₹12.6K/yr
₹30.0K/mo	₹27.0K/yr	₹27.0K/yr	₹25.2K/yr

Assumes consistent monthly spending at the card's maximum reward rate for the matching category. Actual returns may vary based on reward caps, tier structures, and point redemption value.

Common Pitfalls to Watch For

Physical store purchases code under 'Apparel' MCC — few cards accelerate this specifically

Online fashion purchases (Myntra, AJIO) usually code as 'Online Shopping' — a more commonly rewarded category

Return/refund transactions reverse reward points — frequent returns can reduce effective rewards

Free vs Paid: Is the Annual Fee Worth It?

Best Free Card

IKEA Family Axis Bank Credit Card

Axis · ₹0 annual fee

Up to 5% on clothing, shoes, and fashion accessories

Score: 6.9/10

Best Overall

Titan SBI Credit Card

SBI · ₹2,999 annual fee

Up to 7.5% on clothing, shoes, and fashion accessories

Score: 8.8/10

At a monthly spend of ₹10,000 on clothing, shoes, and fashion accessories, the paid card earns ₹9.0K/year vs ₹6.0K/year for the free card — a difference of ₹3.0K. The paid card's extra rewards exceed its annual fee at this spend level.

Cards to Avoid for Fashion & Apparel

These are popular, well-rated cards that earn only their base reward rate on clothing, shoes, and fashion accessories. If you carry one of these, use a different card for Fashion & Apparel purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on clothing, shoes, and fashion accessories

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on clothing, shoes, and fashion accessories

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on clothing, shoes, and fashion accessories

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on clothing, shoes, and fashion accessories

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on clothing, shoes, and fashion accessories

These are great cards for other spending categories — just not for clothing, shoes, and fashion accessories. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Myntra Best for AJIO Best for Nykaa Best for Online Shopping

Frequently Asked Questions

Which credit card gives the highest cashback on Fashion & Apparel?

Titan SBI Credit Card from SBI gives up to 7.5% back on clothing, shoes, and fashion accessories. It has a CardTrail Score of 8.8/10 with an annual fee of ₹2,999.

Is there a no-annual-fee credit card good for Fashion & Apparel?

Yes — IKEA Family Axis Bank Credit Card is a free card (₹0 annual fee) that earns up to 5% on clothing, shoes, and fashion accessories. CardTrail Score: 6.9/10.

How do credit card rewards work on Fashion & Apparel?

Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Fashion & Apparel transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.

Which popular credit cards should I avoid using for Fashion & Apparel?

Cards like IDFC FIRST Diamond Reserve Credit Card, American Express Platinum Charge Card, IndusInd Tiger Credit Card have high overall scores but earn only their base rate (0.5% or less) on clothing, shoes, and fashion accessories. Use a category-matched card instead.

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