Top Credit Cards for Online Shopping in India 2026

Read on to know the detailed features and benefits of the best online shopping credit cards:

1. Cashback SBI Card

Joining Fee: Rs. 999 + GST
Annual Fee: Rs. 999 + GST (waived off on spending Rs. 2 Lakh in the preceding year)

Best For: Online Purchases across all platforms

Key Features: 

• 5% cashback on all online spends with no merchant restrictions
• 1% cashback on all offline transactions
• Total monthly cashback earning (online + offline) is capped at Rs. 5,000
• 1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions between Rs. 500 to Rs. 3,000

 

Cashback SBI Card is one of the best online shopping credit cards available in the market. Offering 5% cashback across all online spends irrespective of the merchant, the card caters to multiple spending categories. Whether you spend on dining, movies, grocery, travel or other eligible categories, you will earn 5% cashback, as long as you make the payment online. Despite the capping of Rs. 5,000 per month and some exclusions from the cashback program, the card stands as a solid option for online spends.

2. HDFC Millennia Credit Card 

Joining Fee: Rs. 1,000 + GST
Annual Fee: Rs. 1,000 + GST (waived off on spending Rs. 1 Lakh in the preceding year)

Best For: Spends on Amazon, Flipkart, Zomato and other associated brands

Key Features: 

• 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• 1% cashback on other categories, including EMI & wallet spends
• 1 complimentary lounge access or a voucher worth Rs. 1,000 on spending Rs. 1 Lakh in a quarter
• 1% fuel surcharge waiver, up to Rs. 250 in a month on transactions between Rs. 400 to Rs. 5,000 across all fuel stations in India

 

HDFC Millennia Credit Card offers up to 5% cashback on popular brands like Swiggy, Amazon, and BookMyShow, covering major categories such as dining, shopping, and entertainment. The card is best suited for those who frequently shop from these partnered online brands, as other online spends only fetch 1% cashback, which is relatively low for a credit card that is designed for online spends. The best part is that there is no minimum transaction value requirement for the accelerated cashback. Additionally, Millennia offers 1% cashback on EMI and wallet reloads as well, which most cards exclude. Overall, this credit card is a good choice if you frequently shop from everyday online brands and are looking for an entry-level card with all-rounder benefits.

3. Swiggy HDFC Credit Card

Joining Fee: Rs. 500 + GST
Annual Fee: Rs. 500 + GST (waived off on spending Rs. 2 Lakh in the preceding year)

Best For: Spends on Swiggy, Instamart, Dineout and Genie

Key Features: 

• 10% cashback (with monthly capping of up to Rs. 1,500) on the Swiggy app for transactions related to food ordering, Instamart, Dineout and Genie
• 5% Cashback on select online spends (with monthly capping of up to Rs. 1,500)
• 1% Cashback on all other spends, including offline transactions (with monthly capping of up to Rs. 500)
• Cashback is credited directly into the card account
• Complimentary 3-month Swiggy One membership on card activation
• Complimentary golf games and lessons via Mastercard

 

While Swiggy HDFC Card belongs to the dining and grocery segment, the card still competes with other online shopping credit cards by offering 5% cashback on select online spends. Consumers who shop within the Swiggy ecosystem – Swiggy, Instamart, Dineout and Genie – must consider adding it to their wallet. Though the cashback earning is capped to a specific amount under each category, it still allows cardholders to earn back a substantial amount.

4. HDFC Moneyback+ Credit Card

Joining Fee: Rs. 500 + GST
Annual Fee: Rs. 500 + GST (waived off on annual spends of Rs. 50,000)

Best For: Spends on Flipkart, Amazon, Swiggy and other associated brands

Key Features: 

• 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
• 5X CashPoints on EMI spend at merchant locations
• 2 CashPoints for every Rs. 150 spent on other categories
• Activation benefit of 500 CashPoints after the payment of joining fee
• Up to Rs. 20,000 worth gift vouchers in a year as milestone benefits
• 1% fuel surcharge waiver (Max. Rs. 250) across all fuel stations on transactions between Rs. 400 to Rs. 5,000

 

Available at an annual fee of Rs. 500, this card is quite popular among first-time users. You can get up to 10X reward points on shopping at select brands like Amazon, Flipkart, Swiggy, BigBasket, & more, which is a great feature if you frequently shop at these brands. Besides this, the card also offers 5X reward points on your EMI spends at select merchants. Overall, it’s an ideal option for those looking for an entry-level credit card with decent reward points on online spends. However, consumers who seek better benefits on the same brands may consider HDFC Millennia Credit Card.

5. Flipkart Axis Bank Credit Card

Joining Fee: Rs. 500 + GST
Annual Fee: Rs. 500 + GST (waived off on annual spends of Rs. 3.5 Lakh)

Best For: Spends on Flipkart 

Key Features: 

• 5% cashback on spends at Flipkart and Cleartrip
• 4% cashback on shopping with other preferred merchants, including Cult.fit, PVR, Swiggy & Uber
• 1% cashback across all other categories
• Activation benefits from Flipkart and Swiggy worth Rs. 600
• 4 complimentary domestic lounge access in a year on spending Rs. 50,000 in the previous 3 months
• 1% fuel surcharge waiver (Max. Rs. 400 per month) for transactions worth Rs. 400 to Rs. 4,000

 

Flipkart Axis Bank Credit Card is best suited for cashback, especially for individuals who are Flipkart loyalists. It is among the best cashback credit cards in India, offering 1% flat cashback on all your spends. You can earn 5% cashback on Flipkart and Cleartrip purchases and 4% on Flipkart’s partner merchants. Despite being an entry-level card, the set of benefits on this card surpasses its annual fee by a wide margin. Notably, the partner merchants cover a wide range of categories, allowing you to save on travel (Uber & Cleartrip), fitness (Cult.fit), movies (PVR), food (Swiggy), and shopping (Flipkart). So, for someone looking for benefits across varied categories, Flipkart Axis Card should be one of the top choices. While the high cashback rate is limited to specific websites, 1% flat cashback on all other expenses still offers a reasonable balance.

Flipkart also offers another co-branded card with SBI Card that comes with similar benefits and the same annual fee. If you are not eligible for Flipkart Axis Card, you can consider applying for Flipkart SBI Card.

6. HSBC Live+ Credit Card

Joining Fee: Rs. 999 + GST
Annual Fee: Rs. 999 + GST (waived off on annual spends of Rs. 2 Lakh)

Best For: Dining and grocery spends

Key Features: 

• 1,000 cashback on spending Rs. 20,000 or more within the first 30 days of card issuance
• 10% cashback, up to Rs. 1,000 per month, on dining, grocery and food delivery spends
• Unlimited 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge visits in a year
• Up to 15% off on dining at partner restaurants via Live+ Dining Programme

 

HSBC Live+ Credit Card offers accelerated cashback on popular categories, including 10% cashback (up to Rs. 1,000 per month) on dining, grocery, and food delivery spends and unlimited 1.5% cashback across other spends. The best part is that you can earn cashback on your spends without any minimum transaction value. Also, you get a cashback of Rs. 1,000 at the time of joining, which compensates for the joining fee. This card is best suited for individuals looking to save on everyday expenses like dining and grocery along with other spends without restricting their spending to specific platforms like Amazon or Flipkart.

7. SBI SimplyCLICK Credit Card

Joining Fee: Rs. 499 + GST
Annual Fee: Rs. 499 + GST (waived off on annual spends of Rs. 1 Lakh)

Best For: Spends on BookMyShow, Cleartrip and other associated brands

Key Features: 

• Gift voucher worth Rs. 500 from Amazon as a welcome gift
• 10 reward points per Rs. 100 on online spends at Apollo 24×7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmeds & Yatra
• 5 reward points per Rs. 100 on other online spends
• 1 reward point per Rs. 100 spent on other categories
• Cleartrip/ Yatra e-voucher worth Rs. 2,000 on reaching annual spend milestones of Rs. 1 Lakh and Rs. 2 Lakh, respectively
• 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000

 

SBI SimplyCLICK Card is one of the most popular credit cards in the market because of its simple eligibility and low annual fee. It offers 10X reward points on online shopping with exclusive partners such as BookMyShow, Cleartrip, Netmeds, UrbanClap, etc., and 5X reward points on other online spends. This card is an excellent choice for those seeking a low-annual-fee credit card with benefits more inclined towards online shopping. However, if you are loyal to a specific brand, co-branded credit cards like Amazon Pay ICICI, or Flipkart Axis might be more beneficial.