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Best Credit Cards for Online Shopping in India (2026)
Updated · 8 options compared
Online spending is where Indian credit cards are most generous — several cards return 5% on popular platforms. The best choice depends on where you shop: a platform-specific card (Amazon Pay ICICI, Flipkart Axis, Tata Neu) wins if most of your spend is on one site, while a general online card (SBI Cashback) is better if you spread spending across many apps.
Quick comparison
| # | Name | Rewards | Annual fee |
|---|---|---|---|
| 1 | SBI CashBack Card | 5% Cashback on ALL online spends | ₹999 + GST |
| 2 | ICICI Amazon Pay | 5% cashback for Amazon Prime members | Lifetime Free |
| 3 | HDFC Millennia | 5% Cashback on Amazon, Flipkart, Swiggy | ₹1,000 + GST |
| 4 | Axis Flipkart | 5% unlimited cashback on Flipkart | ₹500 + GST |
| 5 | SBI SimplyCLICK | 10X Reward Points on online partners | ₹499 + GST |
| 6 | SC DigiSmart | 5% cashback on Flipkart, Myntra, Swiggy, Zomato | Lifetime Free |
| 7 | HSBC Smart Value | 5% cashback on Swiggy, BigBasket, Amazon | Lifetime Free |
| 8 | HDFC Tata Neu Plus | 5% NeuCoins on Tata brands, 1.5% on others | ₹499 + GST |
1.SBI CashBack Card
4.5/5- Rewards
- 5% Cashback on ALL online spends
- Annual fee
- ₹999 + GST
One of the few cards offering a flat 5% cashback on ALL online spends without any merchant restrictions. The cashback credits directly to your statement — no conversion or voucher hassle involved. At ₹999/year, it pays for itself with just ₹20,000 in online spending annually.
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
2.ICICI Amazon Pay
4.9/5- Rewards
- 5% cashback for Amazon Prime members
- Annual fee
- Lifetime Free
The undisputed king of no-fee credit cards in India. If you are an Amazon Prime member, the 5% cashback is straightforward and uncapped. Zero annual fee means there is almost no reason not to have this card in your wallet, even as a secondary option for Amazon purchases.
- No joining or annual fee ever
- 3% cashback for non-prime members
- 2% cashback on flights, recharges, bills
3.HDFC Millennia
4.6/5- Rewards
- 5% Cashback on Amazon, Flipkart, Swiggy
- Annual fee
- ₹1,000 + GST
The go-to card for online shoppers who split purchases across Amazon, Flipkart, and Swiggy. The 5% cashback on these platforms is hard to beat at this price point. Quarterly milestone rewards of ₹1,000 effectively offset the annual fee if you spend consistently.
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
4.Axis Flipkart
4.7/5- Rewards
- 5% unlimited cashback on Flipkart
- Annual fee
- ₹500 + GST
The must-have card for Flipkart shoppers in India. 5% unlimited cashback on Flipkart plus 4% on Swiggy and PVR makes it incredibly rewarding for everyday spending. First year is free, and the ₹500/year fee after that is easily recovered with just ₹12,500 in Flipkart purchases.
- 4% cashback on preferred partners (Swiggy, PVR)
- 1.5% unlimited cashback on basic spends
- 4 complimentary lounge visits per year
5.SBI SimplyCLICK
4.3/5- Rewards
- 10X Reward Points on online partners
- Annual fee
- ₹499 + GST
SBI's best bet for online shoppers who prefer a straightforward rewards structure. The 10X points on partner sites and ₹500 Amazon joining gift offset the first year's fee entirely. Works best if you do most of your shopping online and want a card within the SBI ecosystem.
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
6.SC DigiSmart
4.3/5- Rewards
- 5% cashback on Flipkart, Myntra, Swiggy, Zomato
- Annual fee
- Lifetime Free
Standard Chartered's free digital card for online shoppers who want zero annual fee hassle. The 5% cashback on Flipkart, Myntra, Swiggy, and Zomato covers the most popular e-commerce platforms. A solid choice if you want SC's international banking reputation without paying any annual fee.
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
7.HSBC Smart Value
4.2/5- Rewards
- 5% cashback on Swiggy, BigBasket, Amazon
- Annual fee
- Lifetime Free
HSBC's answer to the growing lifetime-free cashback card segment in India. The 5% cashback on Swiggy, BigBasket, and Amazon covers the most common online spending categories for Indian consumers. Ideal as a supplementary card for someone who already has a travel rewards primary card.
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
8.HDFC Tata Neu Plus
4.5/5- Rewards
- 5% NeuCoins on Tata brands, 1.5% on others
- Annual fee
- ₹499 + GST
The card that unlocks the full Tata ecosystem — 5% NeuCoins on BigBasket, 1mg, Tata Neu, and Croma add up quickly. For families who regularly shop across Tata brands, the rewards are very rewarding. The ₹50,000 fee waiver threshold is low, making it practically free for most users.
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
How we chose
- Reward rate on the largest Indian e-commerce and food-delivery platforms.
- Monthly cashback caps and excluded categories.
- Annual fee and how easily it is waived.
CardKhoj is independent and does not earn commission from banks. Rates and fees change often — always confirm the latest terms on the bank's official website before applying.
Frequently asked questions
Which credit card is best for Amazon shopping?
Amazon Pay ICICI is the best card for Amazon: 5% back for Prime members and 3% for others, with no annual fee and no monthly cap.
Which credit card is best for Flipkart?
The Flipkart Axis Bank card gives 5% unlimited cashback on Flipkart and Cleartrip plus 4% on partners such as Swiggy and PVR.
Can I use one card for all online shopping?
Yes. The SBI Cashback Card gives 5% on almost all online merchants, so one card covers Amazon, Flipkart, Myntra and food delivery. Note its monthly cashback cap and excluded categories such as rent and wallet loads.