5 Underrated Indian Credit Cards That Can Unlock Amazon & Myntra Vouchers
What if your regular monthly expenses could help you unlock shopping vouchers every few months? Some Indian credit cards reward eligible spending with gift vouchers, cashback or shopping rewards—and a few let you choose vouchers from popular brands.
The catch? You need to know the spending requirements before applying. Here are five cards and reward programmes worth checking out.
1. HDFC Bank Millennia Credit Card
Best for: Amazon and Myntra shoppers
The Millennia card offers 5% cashback on selected online brands, including Amazon and Myntra. It also offers a ₹1,000 gift voucher when you spend ₹1 lakh or more in an eligible calendar quarter.
That means you could potentially unlock up to ₹4,000 in quarterly vouchers over four qualifying quarters, alongside eligible cashback. The voucher options and applicable conditions should be checked before applying.
Check the official HDFC Millennia benefits
2. HDFC Bank MoneyBack+ Credit Card
Best for: Everyday spending and quarterly rewards
This card offers a quarterly gift-voucher benefit when you reach the required spending milestone. HDFC's published information lists vouchers worth up to ₹500 for quarterly spending of ₹50,000, with eligible voucher choices including Myntra.
The available brands can change, so check the current redemption catalogue before counting on a particular voucher.
Explore HDFC MoneyBack+ offers
3. Myntra Kotak Credit Card
Best for: Fashion shopping
If Myntra is your go-to fashion destination, this co-branded card is worth a look. Eligible new cardholders can receive a ₹500 Myntra e-gift voucher after completing a qualifying transaction of ₹500 or more within 30 days of card issuance.
It also offers accelerated cashback on selected partner spending, including Swiggy and Swiggy Instamart. However, the ₹500 Myntra voucher is an activation benefit—not a guaranteed quarterly reward.
Read the official Kotak card FAQs
4. HDFC Bank Biz Power Credit Card
Best for: Eligible business owners and advertising spenders
This business credit card may appeal to people who have substantial eligible business expenses. Its published benefits include a welcome reward linked to a qualifying transaction and a quarterly spending milestone with voucher rewards.
The published milestone benefit from July 2026 is a ₹5,000 MakeMyTrip or Reliance Digital voucher on eligible quarterly retail spending of ₹2.5 lakh. These are not Amazon or Myntra vouchers, so this card is better suited to business owners seeking broader rewards.
5. Standard Chartered Credit Cards With Targeted Voucher Offers
Best for: Existing cardholders who receive promotional offers
Standard Chartered sometimes runs targeted promotions offering Amazon or Myntra vouchers to eligible cardholders who meet a specified spending target.
The catch is that the offer amount and spending requirement may be communicated individually through email or SMS. It isn't a guaranteed quarterly benefit for every cardholder.
Read the official Amazon and Myntra offer terms
How to Make These Rewards Worth It
Before applying, check these four things:
- Annual fee: Does the reward value justify the card's fee?
- Spending target: Can you reach the milestone using expenses you already have?
- Voucher selection: Is Amazon or Myntra actually available in the current redemption catalogue?
- Excluded transactions: Do rent, fuel, wallet loads or other transactions count toward the milestone?
The bottom line
For shoppers who regularly buy from Amazon and Myntra, HDFC Millennia is a useful starting point because it combines eligible online-shopping cashback with a quarterly milestone voucher. MoneyBack+ may also suit those who can meet its lower spending threshold.
Remember: a voucher is only a saving if you use it for something you already intended to buy. Never spend extra just to unlock a reward.