If most of your spending happens online, a shopping credit card can easily return 5% or more. Some cards reward every website, while co-branded cards pay extra at one store, like Amazon, Flipkart or Myntra.
Here's how the best online shopping credit cards compare.
Why we picked it: 5% on almost any website, so it's the best if you shop across many sites.
Online cashback is capped at ₹5,000 per statement. Fuel, rent and wallet loads are excluded.
Axis Bank · Mastercard
Why we picked it: 7.5% on Myntra and 5% on Flipkart, making it the best for Flipkart-group shoppers.
ICICI Bank · Visa
Why we picked it: 5% on Amazon for Prime members, lifetime free.
HDFC Bank · Mastercard
Why we picked it: 5% on most online spends, plus 10% on Swiggy.
Swiggy orders need to be ₹249+ to earn 10%. Each category is capped at ₹1,500 per cycle.
American Express · Amex
Why we picked it: 10X points on Flipkart and Uber, an affordable entry to Amex.
10X points are capped at 500 a month across all 10X merchants. No points on fuel or utilities.
| Card | Best for | Annual fee | Headline benefit | Lounge |
|---|---|---|---|---|
| Cashback SBI Card | Online shopping | ₹999 | 5% online cashback | None |
| Flipkart Axis Bank Credit Card | Flipkart & Myntra | ₹500 | 7.5% on Myntra | None |
| Amazon Pay ICICI Credit Card | Amazon shoppers | Free | 5% on Amazon | None |
| Swiggy HDFC Bank Credit Card | Food delivery & Instamart | ₹500 | 10% on Swiggy | None |
| Amex SmartEarn™ Credit Card | Entry-level Amex | ₹495 | 10X on Flipkart & Uber | None |
Still unsure? Use the card finder to see which card earns the most on your own spends.
Amazon Pay ICICI gives 5% back on Amazon for Prime members and is lifetime free.
Flipkart Axis Bank gives 5% on Flipkart and 7.5% on Myntra.
Cashback SBI Card gives 5% on almost all online spends, capped at ₹5,000 per statement.