Looking for the best credit cards for online shopping in India? Compare the top 10 online shopping credit cards in 2026 based on cashback, rewards, annual fees, welcome offers, eligibility, and exclusive shopping benefits to find the perfect card for your spending needs.
Want to save more on every online purchase? The right credit card can help you earn cashback, reward points, exclusive discounts, and shopping offers on platforms like Amazon, Flipkart, Myntra, and more.
In this 2026 guide, we’ve compared the 10 best credit cards for online shopping in India based on cashback, rewards, annual fees, welcome benefits, and overall value. Whether you’re a frequent online shopper or looking for your first credit card, this comparison will help you choose the best option to maximize your savings and shopping benefits.
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Compare the latest fees, rewards, and apply online for the best shopping credit cards.
Quick Highlights
| Feature | Details |
|---|---|
| Article Updated | 2026 |
| Best For | Online Shopping & Cashback |
| Number of Cards Compared | 7 |
| Suitable For | Salaried & Self-employed Individuals |
| Annual Fee Range | ₹0 – ₹5,000+ |
| Best Cashback Card | To Be Compared Below |
| Best Premium Card | To Be Compared Below |
| Best Entry-Level Card | To Be Compared Below |
10 Best Credit Cards for Online Shopping in India (2026)
1. SBI Cashback Credit Card
Joining Fee: ₹999 + GST
Annual Fee: ₹999 + GST (Renewal fee waived on annual retail spends of ₹2 lakh or more in the previous year.)
Key Highlights
- Earn 5% cashback on all eligible online purchases.
- Earn 1% cashback on eligible offline (Point-of-Sale) transactions.
- Cashback is automatically credited to your SBI Card account within two days after your next statement is generated.
- Maximum cashback of ₹2,000 each on online and offline spends per statement cycle (overall cap ₹4,000 per cycle).
- 1% fuel surcharge waiver on eligible fuel transactions between ₹500 and ₹3,000 (maximum waiver of ₹100 per statement cycle).
Best For
Frequent online shoppers, cashback seekers, and users who shop across multiple e-commerce websites such as Amazon, Flipkart, Myntra, Ajio, Nykaa, and more.
Check eligibility, latest cashback offers, and apply online.
2. Axis Cashback Credit Card
Joining Fee: ₹1,000 + GST
Annual Fee: ₹1,000 + GST (Annual fee is waived on spends of ₹4,00,000 or more in the card anniversary year.)
Key Highlights
- Earn up to 7% cashback on eligible online spends:
- 2% cashback on monthly online spends up to ₹5,000.
- 5% cashback on online spends between ₹5,001 and ₹40,000.
- 7% cashback on online spends above ₹40,000.
- Earn 0.75% unlimited cashback on all eligible offline and travel spends.
- Get 0.5% cashback (up to ₹100 per statement cycle) on eligible utility bill payments.
- Welcome Benefit: EDGE Reward Points worth ₹1,000 on making the first transaction within 30 days of card issuance.
- Cashback is automatically credited to your credit card account before the next statement.
- Maximum accelerated cashback of ₹4,000 per statement month.
Best For
Frequent online shoppers, cashback enthusiasts, users who spend regularly on e-commerce websites, and customers looking for a simple cashback credit card with automatic cashback redemption.
Check eligibility, latest cashback offers, and apply online.
3. HDFC Millennia Credit Card
Joining Fee: ₹1,000 + GST
Annual Fee: ₹1,000 + GST (Renewal fee is waived if you spend ₹1 lakh or more in a year before the renewal date.)
Key Highlights
- 5% cashback on eligible spends at popular online brands, including Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV, and Cult.fit.
- 1% cashback on all other eligible spends.
- Welcome benefit: 1,000 CashPoints on payment of the joining fee.
- Quarterly milestone benefit: Spend ₹1 lakh or more in a calendar quarter to earn either a ₹1,000 gift voucher or one complimentary domestic lounge access.
- 1% fuel surcharge waiver on eligible fuel transactions.
Best For
Online shoppers, young professionals, salaried individuals, and users looking for cashback on popular online brands and everyday spending.
Check eligibility, latest cashback offers, and apply online.
4. Amazon Pay ICICI Credit Card
Joining Fee: ₹0
Annual Fee: ₹0 (Lifetime Free) (ICICI Bank)
Key Highlights
- 5% cashback on eligible Amazon.in purchases for Amazon Prime members.
- 3% cashback on eligible Amazon.in purchases for non-Prime customers.
- 2% cashback on payments made to Amazon Pay partner merchants using Amazon Pay.
- 1% cashback on all other eligible retail transactions.
- Cashback is credited automatically as Amazon Pay Balance with no expiry.
- No joining fee or annual fee (Lifetime Free).
- Accepted at millions of merchants worldwide on the Visa network.
- Contactless payment feature for faster and secure transactions.
Best For
Amazon shoppers, Amazon Prime members, frequent online buyers, cashback seekers, and users looking for a lifetime-free credit card.
Check eligibility, latest cashback offers, and apply online.
5. Flipkart Axis Bank Credit Card
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (waived on annual spends above ₹3.5 lakh. Rent and wallet-load transactions are not counted for the fee waiver.)
Key Highlights
- 7.5% cashback on eligible Myntra purchases (subject to quarterly cap).
- 5% cashback on eligible Flipkart purchases.
- ₹350 worth of activation benefits for eligible new cardholders.
- 1% fuel surcharge waiver on eligible fuel transactions.
- Convert eligible purchases above ₹2,500 into EMIs.
- Access to Axis Bank’s Wednesday Delight offers.
Best For
Frequent Flipkart and Myntra shoppers, online fashion buyers, and users looking for cashback on online shopping.
Check eligibility, latest cashback offers, and apply online.
6. SBI Flipkart Credit Card
Joining Fee: ₹500 + GST (The joining fee may be waived during limited-period promotional offers.)
Annual Fee: ₹500 + GST (Renewal fee is waived on annual retail spends of ₹3.5 lakh or more.)
Key Highlights
- 5% cashback on eligible purchases made on Flipkart, Shopsy, and Flipkart Travel.
- 7.5% cashback on eligible purchases made on Myntra.
- 4% cashback on eligible spends at Cleartrip, Zomato, Uber, Netmeds, and PVR.
- 1% cashback on all other eligible retail transactions.
- ₹250 Flipkart Gift Card as a welcome benefit after payment of the joining fee.
- 1% fuel surcharge waiver on eligible fuel transactions between ₹500 and ₹4,000 (subject to the card’s terms and conditions).
Best For
Frequent Flipkart and Myntra shoppers, online fashion buyers, travelers booking through Flipkart Travel or Cleartrip, and users looking for cashback on everyday online spending.
Check eligibility, latest cashback offers, and apply online.
7. SBI SimplyCLICK Credit Card
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST (Renewal fee is waived if you spend ₹1 lakh or more in the previous year.)
Key Highlights
- 10X Reward Points on eligible online spends with partner brands such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and Apollo 24|7.
- 5X Reward Points on all other eligible online spends.
- 1 Reward Point for every ₹100 spent on other eligible transactions.
- Welcome Benefit: Amazon Pay Gift Card worth ₹500 after payment of the joining fee.
- Milestone Benefits: Earn an e-voucher worth ₹2,000 on annual online spends of ₹1 lakh and another ₹2,000 e-voucher on annual online spends of ₹2 lakh.
- 2.5% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000 (maximum waiver of ₹100 per statement cycle).
Best For
Frequent online shoppers, Amazon users, movie ticket buyers, and customers who regularly shop on SBI Card’s partner merchants and want to earn accelerated reward points.
Check eligibility, latest cashback offers, and apply online.
8. HDFC Bank Diners Club Credit Card
Joining Fee: ₹1,000 + GST
Annual Fee: ₹1,000 + GST (Renewal fee is waived if you spend ₹3 lakh or more in a year before the renewal date.)
Key Highlights
- Earn 4 Reward Points for every ₹200 spent on eligible retail transactions.
- Welcome Benefit: Complimentary Swiggy One and Times Prime annual memberships on spending ₹75,000 within the first 90 days of card issuance.
- Buy 1 Get 1 Free on weekend movie tickets via BookMyShow (up to 2 free tickets per calendar month, maximum ₹250 per ticket).
- Receive ₹1,500 worth of brand vouchers (Marriott, Barbeque Nation, Lakmé Salon, O2 Spa, Decathlon, Domino’s, etc.) on quarterly spends of ₹1.5 lakh.
- Airport Lounge Access: From 1 July 2026, earn 3 lounge vouchers per calendar quarter (2 domestic + 1 international) by spending ₹60,000 in the previous calendar quarter.
- Up to 50 days interest-free credit period.
- Smart EMI option on eligible purchases.
- Reward Points can be redeemed on SmartBuy, hotels, flights, dining, merchandise, or cashback.
Best For
Frequent travelers, professionals, dining and entertainment enthusiasts, and users looking for premium lifestyle benefits with airport lounge access and reward points.
Check eligibility, latest cashback offers, and apply online.
9. Axis Neo Rupay Credit Card
Joining Fee: ₹250 + GST (Lifetime Free for select application channels and eligible customers.)
Annual Fee: ₹250 + GST (From the second year onwards. Lifetime Free offer is available through select channels only.)
Key Highlights
- 10% off on Blinkit (up to ₹250 per month on a minimum order value, as per offer terms).
- Flat ₹120 off on Zomato food delivery orders (twice every month).
- 5% discount on eligible utility bill payments made via Paytm.
- Discounts on BookMyShow movie ticket bookings.
- RuPay variant supports UPI payments, allowing you to pay through supported UPI apps.
- Contactless payment technology for fast and secure transactions.
- EMI conversion facility on eligible purchases.
Best For
Online shoppers, Blinkit and Zomato users, utility bill payments, UPI users, movie lovers, and beginners looking for an affordable lifestyle credit card.
Check eligibility, latest cashback offers, and apply online.
10. Axis Bank ACE Credit Card
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST (Waived from the second year onwards on annual spends of more than ₹2,00,000. Rent and wallet-load transactions are not considered for the fee waiver.)
Key Highlights
- 5% cashback on utility bill payments, DTH recharges, and mobile recharges made through Google Pay.
- 4% cashback on Swiggy, Zomato, and Ola.
- 1.5% cashback on all other eligible spends.
- 4 complimentary domestic airport lounge visits every calendar year.
- 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 (maximum benefit of ₹500 per statement cycle).
- Convert eligible purchases of ₹2,500 or more into easy EMIs.
Best For
Utility bill payments, Google Pay users, Swiggy and Zomato customers, Ola riders, everyday spending, and cashback seekers looking for an affordable credit card.
Check eligibility, latest cashback offers, and apply online.
Comparison Table: Best Credit Cards for Online Shopping in India (2026)
| Credit Card | Annual Fee | Cashback / Rewards |
|---|---|---|
| SBI Cashback Credit Card | ₹999 + GST | 5% cashback on eligible online purchases |
| Axis Cashback Credit Card | ₹1,000 + GST | Up to 7% cashback on eligible online spends |
| HDFC Millennia Credit Card | ₹1,000 + GST | 5% cashback on popular online brands |
| Amazon Pay ICICI Credit Card | Lifetime Free | Up to 5% cashback on Amazon purchases |
| Flipkart Axis Bank Credit Card | ₹500 + GST | 5% on Flipkart, 7.5% on Myntra |
| SBI Flipkart Credit Card | ₹500 + GST | 5% on Flipkart, 7.5% on Myntra, 4% on partner brands |
| SBI SimplyCLICK Credit Card | ₹499 + GST | 10X Reward Points on partner brands |
| HDFC Bank Diners Club Privilege | ₹1,000 + GST | Reward Points & premium lifestyle benefits |
| Axis Neo RuPay Credit Card | ₹250 + GST | Discounts on Blinkit, Zomato & Paytm |
| Axis Bank ACE Credit Card | ₹499 + GST | Up to 5% cashback on utility bill payments |
Note: Cashback rates, rewards, annual fees, and benefits are subject to change. Please verify the latest terms and conditions on the respective bank’s official website before applying.
Not sure which card suits you? Compare annual fees, cashback, and benefits before applying.
Also read: Top 10 Highest Cashback Credit Cards in India 2026
How to Choose the Best Credit Card for Online Shopping
Before applying for a credit card, consider these important factors to choose the one that best matches your shopping habits.
1. Choose Based on Your Shopping Platform
Select a credit card that offers the highest rewards on the websites or apps you use most often.
- Amazon shoppers: Amazon Pay ICICI Credit Card
- Flipkart & Myntra shoppers: Flipkart Axis Bank Credit Card or SBI Flipkart Credit Card
- Multi-platform online shoppers: SBI Cashback Credit Card or Axis Cashback Credit Card
- Popular online brands (Amazon, Flipkart, Swiggy, Zomato, etc.): HDFC Millennia Credit Card
2. Check the Annual Fee
Don’t choose a card based only on cashback. Compare the annual fee with the rewards you expect to earn. If you spend enough to qualify for the annual fee waiver, a paid card can offer better overall value.
3. Compare Cashback and Reward Structure
Different cards provide benefits in different ways, such as:
- Cashback
- Reward Points
- Amazon Pay Balance
- Brand-specific rewards or vouchers
Choose the reward type that best suits your spending pattern.
4. Analyze Your Spending Habits
Think about where you spend the most money each month.
- Mostly online shopping → SBI Cashback or Axis Cashback Credit Card
- Amazon purchases → Amazon Pay ICICI Credit Card
- Flipkart and Myntra shopping → Flipkart Axis Bank or SBI Flipkart Credit Card
- Utility bills and food delivery → Axis Bank ACE Credit Card
5. Look for Welcome Benefits
Many credit cards offer welcome vouchers, reward points, gift cards, or complimentary memberships after you complete the first eligible transaction. These benefits can add extra value during the first year.
Which Credit Card Should You Choose?
| If You Are… | Recommended Credit Card |
|---|---|
| Amazon Prime Member | Amazon Pay ICICI Credit Card |
| Frequent Online Shopper | SBI Cashback Credit Card |
| High Online Spender | Axis Cashback Credit Card |
| Flipkart & Myntra User | Flipkart Axis Bank Credit Card or SBI Flipkart Credit Card |
| Young Professional | HDFC Millennia Credit Card |
| Reward Points Lover | SBI SimplyCLICK Credit Card |
| Premium Shopper & Frequent Traveler | HDFC Bank Diners Club Privilege Credit Card |
| UPI & Lifestyle User | Axis Neo RuPay Credit Card |
| Utility Bill & Everyday Spender | Axis Bank ACE Credit Card |
| Want a Lifetime Free Credit Card | Amazon Pay ICICI Credit Card |
Expert Tip: Before applying, compare the latest cashback rates, reward points, annual fee waiver conditions, eligibility criteria, and welcome offers on the issuer’s official website. Credit card benefits and terms may change over time, so always verify the latest details before making your decision.
Ready to apply? Compare the latest welcome offers and eligibility before submitting your application.
Also read: Best Credit Cards for Beginners in India (2026 Guide)
Things to Consider Before Applying
Before submitting your application, keep these important factors in mind.
Annual Fee
A higher annual fee doesn’t always mean better benefits. Choose a card only if the rewards outweigh the cost.
Cashback Limits
Many cards cap the maximum cashback you can earn each month. Always check these limits before applying.
Eligible Merchants
Some cards offer higher cashback only on selected merchants or shopping platforms.
Spending Requirements
Annual fee waivers, lounge access, and milestone rewards often require you to meet minimum spending thresholds.
Credit Score
A credit score of 750 or above generally improves your chances of approval.
Interest Rate
Credit cards usually carry high interest rates if you don’t pay the outstanding balance in full. Always pay your bill on time to avoid unnecessary charges.
Also read: Best Travel Credit Cards for Beginners in 2026
Pros and Cons of Online Shopping Credit Cards
Advantages
- Earn cashback on online purchases
- Save money on everyday shopping
- Enjoy exclusive merchant discounts
- Receive welcome offers and vouchers
- Build a healthy credit history with responsible usage
- Access additional lifestyle benefits like lounge access and dining offers
- Easy online application process
Disadvantages
- High interest rates on unpaid balances
- Annual fees on premium cards
- Cashback may be subject to monthly limits
- Some offers are merchant-specific
- Late payment fees can affect your credit score
- Overspending can lead to debt if not managed responsibly
Conclusion
The best credit card for online shopping in India depends on your spending habits and preferred shopping platforms. Whether you want maximum cashback, reward points, or lifetime-free benefits, choosing the right card can help you save more on every purchase. Before applying, compare the annual fee, cashback rates, rewards, and eligibility to find the card that best suits your needs. Most importantly, use your credit card responsibly by paying your bills on time to enjoy long-term financial benefits.
Compare the latest credit card offers from leading banks and apply online in just a few minutes.
Disclaimer: The information provided in this article is for educational and informational purposes only and should not be considered financial or investment advice. Credit card features, cashback rates, annual fees, eligibility criteria, and offers may change over time. Please verify the latest terms and conditions on the respective bank’s official website before applying. Always use credit cards responsibly and pay your dues on time to avoid interest charges and penalties.
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- Best Visa Credit Card in India 2026
Frequently Asked Questions (FAQs)
1. Which is the best credit card for online shopping in India?
The best credit card depends on your shopping preferences. The Amazon Pay ICICI Credit Card is ideal for Amazon users, while the SBI Cashback Credit Card is a strong choice for shopping across multiple online platforms.
2. Which credit card offers the highest cashback on online shopping?
Several credit cards provide attractive cashback on eligible online purchases. Compare the reward structure, spending caps, and eligible merchant categories before making a decision.
3. Are lifetime free credit cards good for online shopping?
Yes. Lifetime free cards such as the Amazon Pay ICICI Credit Card and IDFC FIRST Select Credit Card can be excellent options for users who want to avoid annual fees while still earning rewards.
4. Can I get a credit card without a job?
Yes. Some banks issue credit cards to self-employed individuals, freelancers, and business owners based on income eligibility. Banks may also offer secured credit cards against a fixed deposit.
5. What credit score is required for credit card?
A credit score of 750 or above generally improves your chances of approval, although eligibility varies by issuer and the specific credit card.
6. Which credit card is best for Amazon shopping?
The Amazon Pay ICICI Credit Card is widely regarded as one of the best options for frequent Amazon shoppers due to its cashback benefits and lifetime free membership.
7. Which credit card is best for Flipkart shopping?
The Flipkart Axis Bank Credit Card is designed for frequent Flipkart users and offers attractive cashback on eligible purchases made through the platform.
8. Which credit card is the best for online shopping?
SBI Cashback Credit Card is one of the best credit cards for online shopping, offering 5% cashback on eligible online purchases.
9. Can I apply for a credit card online?
Yes. Most banks allow you to apply online through their official websites or mobile apps. Ensure you meet the eligibility criteria and keep your KYC documents ready.
10. Are cashback credit cards better than points?
It depends on your spending habits. Cashback cards provide direct savings, while reward point cards may offer greater value if you frequently redeem points for travel, shopping vouchers, or premium lifestyle benefits.
About Author
Written by Sujeet Kumar, founder of SujeetFinanceHub, where readers learn about personal finance, credit cards, investing, insurance, loans, and government schemes in simple and easy-to-understand language.