Credit Cards · Online Shopping
Best Credit Cards for Online Shopping
Shopping credit cards give accelerated rewards on e-commerce platforms. Some are tied to specific merchants like Amazon or Flipkart, others reward all online spends. Ranked below by shopping-category reward rate.
Ranked
18 cards ranked for online shopping
YES Bank RESERV Credit Card
Yes Bank
12.00%
on shopping
- ✓24 YES Rewardz points per 200 on accelerated online categories
- ✓8,000 bonus points credited upon annual fee renewal
- ✓Complimentary domestic lounge access (quarterly spend of 1 lakh+ required)
Airtel Axis Bank Credit Card
Axis Bank
10.00%
on shopping
- ✓25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App
- ✓10% cashback on utility bill payments like gas and electricity via Airtel Thanks App
- ✓10% value back on Zomato, Blinkit and District Movies
Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
10.00%
on shopping
- ✓Up to 10% NeuCoins on Tata Neu app and partner brand purchases
- ✓5% value back on all non-EMI Tata Neu transactions
- ✓1.5% value back on all other spends
HDFC Bank Freedom Credit Card
HDFC Bank
6.67%
on shopping
- ✓10X CashPoints (capped 2,500/month) on BigBasket, BookMyShow, OYO, Swiggy and Uber
- ✓1 CashPoint per 150 on all other spends
- ✓500 bonus CashPoints on joining fee payment
YES Bank ELITE+ Credit Card
Yes Bank
6.00%
on shopping
- ✓12 reward points per 200 on online spends, 6 points per 200 offline
- ✓1 complimentary domestic lounge visit per quarter
- ✓2 complimentary international lounge visits/year via LoungeKey (Visa variant)
Standard Chartered Smart Credit Card
Standard Chartered Bank
6.00%
on shopping
- ✓6% cashback on online spends (capped ?1,000/month)
- ✓1.5% cashback on all offline spends
- ✓Lifetime free � no annual fee
SBI Cashback Credit Card
State Bank of India
5.00%
on shopping
- ✓5% cashback on all online spends, capped at 2,000 per statement cycle
- ✓1% cashback on offline spends, capped at 2,000 per statement cycle
- ✓No merchant restrictions on the 5% online cashback category
Swiggy HDFC Bank Credit Card
HDFC Bank
5.00%
on shopping
- ✓10% cashback on Swiggy app (food delivery, Instamart, Dineout, Genie), capped 1,500/cycle
- ✓5% cashback on apparel, electronics, personal care and other online categories
- ✓1% cashback on other eligible spends
HDFC Bank Millennia Credit Card
HDFC Bank
5.00%
on shopping
- ✓5% cashback on Amazon, Flipkart, Swiggy, Myntra, Zomato and other top brands
- ✓1% cashback on all other spends
- ✓Quarterly spend milestone of 1L unlocks lounge access or 1,000 voucher
Amazon Pay ICICI Bank Credit Card
ICICI Bank
5.00%
on shopping
- ✓5% cashback on Amazon for Prime members (3% for non-Prime)
- ✓2% cashback on Amazon Pay partner merchants
- ✓1% unlimited cashback on all other spends
Axis Bank Flipkart Credit Card
Axis Bank
5.00%
on shopping
- ✓5% cashback on Flipkart, Myntra, and 2gether
- ✓4% cashback on preferred partners (Swiggy, PVR, Uber)
- ✓1.5% unlimited cashback on all other spends
American Express SmartEarn Credit Card
American Express
4.00%
on shopping
- ✓Low entry-level annual fee of 495, waivable on 40,000 annual spend
- ✓1 Membership Rewards point per 50 on regular spends
- ✓Bonus points on 10X partner brands like Zomato, BookMyShow, Flipkart, and Uber
HDFC Bank MoneyBack+ Credit Card
HDFC Bank
3.33%
on shopping
- ✓5X CashPoints on Amazon, Flipkart, Swiggy, BigBasket
- ✓1% fuel surcharge waiver at HPCL pumps
- ✓Fee waived on ?50K annual spend
SBI Card SimplyCLICK
SBI Card
2.50%
on shopping
- ✓10X points on Amazon, Cleartrip, Swiggy, Lenskart, Netmeds
- ✓5X points on all other online spends
- ✓?500 Amazon gift card as welcome benefit
Kotak Zen Signature Credit Card
Kotak Mahindra Bank
2.20%
on shopping
- ✓8 complimentary domestic airport lounge visits per year (2 per quarter)
- ✓Complimentary Priority Pass with 3 free international lounge visits/year
- ✓10 Zen Points per 150 on shopping categories (apparel, lifestyle, department stores, jewellery)
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
1.80%
on shopping
- ✓Unlimited domestic lounge access
- ✓1.5% FX markup � among the best for international use
- ✓10X reward points on birthdays and special offers
IDFC FIRST Classic Credit Card
IDFC FIRST Bank
1.50%
on shopping
- ✓Lifetime free with zero joining or annual fee
- ✓Reward points never expire, redeemable anytime within validity
- ✓10X reward points on incremental monthly spends above 20,000 and birthday spends
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
0.75%
on shopping
- ✓Lifetime free with no joining or annual fee
- ✓Up to 10X reward points on dining and travel spends
- ✓25% off up to 100 on movie tickets via Paytm, once a month
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