For me , it's HDFC MILLENNIA , bcoz if someone has upto 20k spending per month on preferred merchants( Amazon, Flipkart, Myntra, Zomato, swiggy, ) it's straight 5% . It is a single card that provides 5% on Amazon , Flipkart and Myntra . Yeah it has capping of 1000₹ but we all know how UNLIMITED...