Best Online Shopping Credit Cards in India 2026

Cashback SBI Credit Card
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Cashback SBI Credit Card

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Joining Fee Joining Fee
₹999 + GST
Annual Fee Annual Fee
₹999 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Cashback | Entry-Level | Online Shopping

Reward Key Benefits

  • Get 5% cashback on all online spends
  • Earn 1% cashback on all offline transactions
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across petrol pumps

  • 5% cashback on all online spends
  • 1% cashback on offline and utility bill spends
  • Up to ₹60,000 cashback in a year
  • No merchant restrictions on online spends
  • Cashback credited within 2 days of bill generation
  • Renewal fee waived on annual spends of ₹2 lakh
  • 1% fuel surcharge waiver up to ₹100 per month
  • Supports contactless payments for faster transactions
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SBI SimplyClick Credit Card
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SBI SimplyClick Credit Card

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Joining Fee Joining Fee
₹499 + GST
Annual Fee Annual Fee
₹499 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Reward | Entry-Level | Online Shopping

Reward Key Benefits

  • Get ₹500 Amazon gift voucher as welcome benefit
  • Earn 10 reward points per ₹100 on top online brands like BookMyShow, Myntra, Cleartrip and more
  • Earn 5 reward points per ₹100 on other online spends

  • ₹500 Amazon gift voucher as a welcome benefit
  • ₹2,000 Cleartrip/Yatra e-vouchers on annual online spends of ₹1,00,000 & ₹2,00,000
  • 10X Reward Points on partner merchants like Apollo 24×7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds & Yatra
  • 5X Reward Points on all other online spends
  • 1 Reward Point per ₹100 on offline spends (excluding fuel)
  • ₹499 annual fee waived on yearly spends of ₹1,00,000
  • 1% fuel surcharge waiver on fuel purchases between ₹500–₹3,000
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Flipkart Axis Bank Credit Card
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Flipkart Axis Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Cashback | Entry-Level | Online Shopping

Reward Key Benefits

  • Get 5% cashback on Flipkart and Cleartrip spends
  • Enjoy 4% cashback on preferred partners like Swiggy, PVR, Uber, and Cult.fit
  • Earn 1% cashback on all other transactions

  • Cashback up to 7.5% on Myntra
  • 5% cashback on Flipkart & Cleartrip
  • 4% cashback on partner merchants (cult.fit, PVR, Swiggy, Uber)
  • 1% base cashback on other spends
  • Welcome benefits: Flipkart voucher Rs. 250 & 50% off on Swiggy for new users
  • Fuel surcharge waiver: 1% on transactions ₹400–₹4,000
  • Dining discounts: Up to 15% at 10,000+ partner restaurants
  • EMI conversion on transactions above ₹2,500
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Swiggy HDFC Bank Credit Card
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Swiggy HDFC Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Dining | Cashback | Online Shopping

Reward Key Benefits

  • Get 10% cashback on Swiggy (food, Instamart, Dineout, Genie) up to ₹1,500 per month
  • Earn 5% cashback on select online spends up to ₹1,500 per month
  • Get 1% cashback on all other spends (including offline) up to ₹500 per month

  • 10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
  • 5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
  • 1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
  • Complimentary Swiggy One: 3-month membership on activation.
  • Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
  • Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
  • Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
  • Zero Lost Card Liability: Report lost card to avoid fraudulent charges.
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HDFC Millennia Credit Card
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HDFC Millennia Credit Card

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Joining Fee Joining Fee
₹1000 + GST
Annual Fee Annual Fee
₹1000 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Cashback | Online Shopping

Reward Key Benefits

  • Earn 5% cashback on popular platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • Get 1% cashback on all other spends, including EMI and wallet transactions
  • Enjoy 1 complimentary lounge visit or get a voucher worth ₹1,000 on spending ₹1 lakh in a quarter

  • Get 5% cashback on popular online brands like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ, and Sony LIV.
  • Earn 1% cashback on all other spends, including wallet loads and EMIs.
  • Enjoy 20% discount on partner restaurants through Dineout.
  • Spend ₹1 lakh or more in a calendar quarter to receive a ₹1,000 gift voucher.
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HDFC MoneyBack+ Credit Card
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HDFC MoneyBack+ Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Reward | Entry-Level | Online Shopping

Reward Key Benefits

  • Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore and BigBasket
  • Get 5X CashPoints on EMI spends at merchant locations
  • Earn 2 CashPoints per ₹150 on other spends

  • Welcome Benefit: 500 CashPoints on card activation.
  • EMI Rewards: Earn 5X CashPoints on EMI payments at select merchant stores.
  • Everyday Spends: Get 2 CashPoints per ₹150 spent (excluding fuel, wallet reloads, vouchers, and prepaid card reloads).
  • Partner Brands: Enjoy 10X CashPoints on purchases at Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore.
  • Dining Offers: Up to 15% discount at 2,000+ partner restaurants across India.
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HSBC Live+ Credit Card
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HSBC Live+ Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining | Cashback | Online Shopping

Reward Key Benefits

  • Get ₹1,000 cashback on spending ₹20,000 within the first 30 days
  • Earn 10% cashback on dining, grocery and food delivery (up to ₹1,000/month)
  • Enjoy unlimited 1.5% cashback on all other spends

Best Online Shopping Credit Cards in India for 2026

Here is list of top Online Shopping credit cards along with detailed benefits and fees & charges.

1. Cashback SBI Credit Card

Cashback SBI Credit Card

Joining Fee: Rs. 999 + GST

Annual Fee: Rs. 999 + GST

Key Features and Benefits:

  • Get 5% cashback on all online spends
  • Earn 1% cashback on all offline transactions
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across petrol pumps
  • Annual fee waived on spending ₹2 lakh in a year

Note: The Cashback SBI Card offers up to 5% cashback on online spends with no merchant restrictions, auto-crediting cashback to your statement. However, there's a ₹5,000 monthly cap and no cashback on utility bills, rent, fuel, or wallet loads. Annual fee waiver is available on ₹2 lakh yearly spend.

2. SBI SimplyClick Credit Card

SBI SimplyClick Credit Card

Joining Fee: Rs. 499 + GST

Annual Fee: Rs. 499 + GST

Key Features and Benefits:

  • Get ₹500 Amazon gift voucher as welcome benefit
  • Earn 10 reward points per ₹100 on top online brands like BookMyShow, Myntra, Cleartrip and more
  • Earn 5 reward points per ₹100 on other online spends
  • Earn 1 reward point per ₹100 on other spends
  • Get ₹2,000 travel vouchers on ₹1 lakh and ₹2 lakh annual spends
  • Enjoy 1% fuel surcharge waiver on spends between ₹500–₹3,000

Note: The SBI SimplyCLICK credit card is a good fit for budget-conscious online shoppers, but if you prefer direct cashback or wider brand options, you may want to consider other credit cards with better redemption value.

3. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 5% cashback on Flipkart and Cleartrip spends
  • Enjoy 4% cashback on preferred partners like Swiggy, PVR, Uber, and Cult.fit
  • Earn 1% cashback on all other transactions
  • Welcome benefit worth ₹600 in the form of coupons
  • Get 4 complimentary domestic lounge visits per year on spending ₹50,000 in the last 3 months
  • 1% fuel surcharge waiver (up to ₹400 per month) on transactions between ₹400 and ₹4,000

The Flipkart Axis Bank Credit Card offers a base cashback rate of 1%, which is quite good for an entry-level card. Unlike the Amazon Pay ICICI Credit Card, where cashback is credited as Amazon Pay balance, this card keeps things simple by giving direct statement credit, making it easier to use.

Another advantage is the unlimited cashback on preferred merchants, which extends benefits beyond shopping to categories like travel, health, movies, and food delivery. However, one downside is that it does not offer cashback on everyday spends such as bill payments and wallet reloads—areas where the Amazon Pay ICICI Credit Card performs better.

4. Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 10% cashback on Swiggy (food, Instamart, Dineout, Genie) up to ₹1,500 per month
  • Earn 5% cashback on select online spends up to ₹1,500 per month
  • Get 1% cashback on all other spends (including offline) up to ₹500 per month
  • Cashback is automatically credited to your card account
  • Get complimentary 3-month Swiggy One membership on activation
  • Enjoy complimentary golf games and lessons via Mastercard

5. HDFC Millennia Credit Card

HDFC Millennia Credit Card

Joining Fee: Rs. 1000 + GST

Annual Fee: Rs. 1000 + GST

Key Features and Benefits:

  • Earn 5% cashback on popular platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • Get 1% cashback on all other spends, including EMI and wallet transactions
  • Enjoy 1 complimentary lounge visit or get a voucher worth ₹1,000 on spending ₹1 lakh in a quarter
  • Save with 1% fuel surcharge waiver up to ₹250 per month on fuel spends between ₹400–₹5,000

The HDFC Bank Millennia Credit Card is a popular choice because of the exciting offers and benefits it provides. It is especially great for people who shop online often, as it gives good value back and rewards on top brands like Amazon, Zomato, Uber, Flipkart, and more.

6. HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore and BigBasket
  • Get 5X CashPoints on EMI spends at merchant locations
  • Earn 2 CashPoints per ₹150 on other spends
  • Get 500 CashPoints as activation benefit on joining fee payment
  • Enjoy milestone vouchers worth up to ₹20,000 in a year
  • Save with 1% fuel surcharge waiver up to ₹250 per month

The card offers benefits across multiple brands, making it a good choice for people who shop across different platforms. It is also suitable for those looking to earn rewards on daily expenses, as most partner brands cover everyday spending needs. Additionally, the card provides multiple redemption options, including airline transfers, which is a strong feature for an entry-level card.

7. HSBC Live+ Credit Card

HSBC Live+ Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Get ₹1,000 cashback on spending ₹20,000 within the first 30 days
  • Earn 10% cashback on dining, grocery and food delivery (up to ₹1,000/month)
  • Enjoy unlimited 1.5% cashback on all other spends
  • Get 4 complimentary domestic airport lounge visits every year
  • Save up to 15% on dining via Live+ Dining Programme

Explore Other Online Shopping Credit Cards

Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Joining Fee: ₹499
🔰 Entry-Level 🛍 Online Shopping 
  • Earn 1.5% cashback on all regular spends
  • Get 5% cashback on utility bill payments via Google Pay
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Flipkart SBI Card

Flipkart SBI Card

Joining Fee: ₹0
💵 Cashback 🛍 Online Shopping 
  • Get 7.5% cashback on Myntra spends (up to ₹4,000 per quarter)
  • Earn 5% cashback on Flipkart and Cleartrip spends (up to ₹4,000 each per quarter)
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Landmark Rewards SBI Card

Landmark Rewards SBI Card

Joining Fee: ₹499
🛒 Shopping 🏆 Reward 🛍 Online Shopping 
  • Earn up to 10 reward points per ₹100 on Landmark store spends
  • Earn 5 reward points per ₹100 on dining, movies and international spends
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Axis My Zone Credit Card

Axis My Zone Credit Card

Joining Fee: ₹500
🍽 Dining 🎥 Entertainment 🛍 Online Shopping 
  • Get ₹120 off on Swiggy orders (min ₹500, twice a month)
  • Enjoy Buy 1 Get 1 movie ticket offer (up to ₹200/month) via District app
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