Best Online Shopping Credit Cards in India
Online shopping rewards are usually the highest-advertised and the most tightly capped. This shortlist shows which merchants qualify, where the monthly ceiling sits and what is excluded.
Cards below are ordered by recurring annual fee, then forex markup and product name—not by affiliate payout. “Best” means a relevant evidence-led shortlist; your personal winner requires wallet-level comparison.
Short answer
13 issuer-verified online shopping cards are recorded by CardMasters as of 2026-08-01. Ordered by lowest recurring annual fee, the current shortlist starts with Amazon Pay ICICI, Axis Bank Neo, American Express SmartEarn. There is no single best card: the right one depends on your spending pattern, existing wallet, realistic redemption value and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
What to check before applying
- Confirm whether the accelerated rate is platform-specific or applies to all online spend.
- Check the monthly cap and whether wallet loads and gift cards are excluded.
- Compare the effective rate after the cap with a flat-rate card.
Amazon Pay ICICI
₹0
1% in Amazon Pay balance
1.99%
Visa, RuPay
Best suited to: amazon, cashback, first card, lifetime free. Recorded exclusions: fuel, rent, gift cards, wallet load.
Review rewards, caps, fees and issuer evidence →Axis Bank Neo
₹0
1 EDGE Reward Point per ₹200 on eligible spend
3.5%
Visa
Best suited to: first card, discount vouchers, young professional, lifetime free. Recorded exclusions: fuel, rent, wallet load, insurance, government, utility, education, cash advance.
Review rewards, caps, fees and issuer evidence →American Express SmartEarn
₹495 + GST
1 Membership Rewards point per ₹50 on eligible spend
3.5%
Amex
Best suited to: first amex, online shopping, low fee. Recorded exclusions: fuel, insurance, utilities, cash advance.
Review rewards, caps, fees and issuer evidence →SimplyCLICK SBI Card
₹499 + GST
1 Reward Point per ₹100 on eligible spends
3.5%
Visa, Mastercard, RuPay
Best suited to: online shopping, first card, low fee. Recorded exclusions: fuel, rent, wallet load, government, digital gaming, cash advance.
Review rewards, caps, fees and issuer evidence →Flipkart Axis Bank
₹500 + GST
1% cashback on other eligible spends
3.5%
Visa, RuPay
Best suited to: flipkart, myntra, cashback, online shopping. Recorded exclusions: fuel, rent, wallet load, gift card, emi, insurance, utility, telecom.
Review rewards, caps, fees and issuer evidence →HDFC Bank MoneyBack+
₹500 + GST
2 CashPoints per ₹200 on eligible spends
3.5%
Visa, RuPay
Best suited to: first card, online shopping, low spender. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →Samsung Axis Bank Signature
₹500 + GST
5 EDGE Reward Points per ₹100 on eligible domestic and international spend
3.5%
Visa Signature
Best suited to: samsung buyers, electronics, cashback. Recorded exclusions: fuel, rent, wallet load, insurance, government, utility, school, jewellery.
Review rewards, caps, fees and issuer evidence →Swiggy HDFC
₹500 + GST
1% statement cashback on eligible other-category spend
3.5%
Mastercard
Best suited to: food delivery, online shopping, young professional. Recorded exclusions: fuel, rent, jewellery, government, wallet load, gift card, cash advance.
Review rewards, caps, fees and issuer evidence →Cashback SBI Card
₹999 + GST
1% cashback on eligible offline point-of-sale spend
3.5%
Visa, RuPay
Best suited to: online shopping, cashback, first card. Recorded exclusions: fuel, rent, wallet load, utility, insurance, school, jewellery, railways.
Review rewards, caps, fees and issuer evidence →HDFC Bank Millennia
₹1,000
1% in CashPoints
3.5%
Visa, Mastercard
Best suited to: online shopping, first card, young professional. Recorded exclusions: fuel, rent, wallet load, emi, government.
Review rewards, caps, fees and issuer evidence →Bank of Baroda (BOBCARD) Eterna
₹2,499 + GST
3 RP/₹100 (worth ₹0.75 as cashback)
2%
Visa Signature
Best suited to: online shopping, domestic lounge, fitness, value premium. Recorded exclusions: fuel, rent, wallet load, cash withdrawal, emi, grocery, insurance, education.
Review rewards, caps, fees and issuer evidence →HDFC Bank Regalia Gold
₹2,500 + GST
5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples
2%
Visa Signature, Mastercard
Best suited to: travel, shopping, upper mid spender. Recorded exclusions: fuel, rent, property management, wallet load, easy emi, smart emi, government, gaming.
Review rewards, caps, fees and issuer evidence →HDFC Bank Infinia Metal
₹12,500 + GST
5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples
2%
Visa Infinite, Mastercard World
Best suited to: travel, online shopping, high spender. Recorded exclusions: fuel, rent, property management, wallet load, easy emi, smart emi, government, cash advance.
Review rewards, caps, fees and issuer evidence →Frequently asked questions
Which is the best online shopping card in India?
There is no universal winner. Across 13 issuer-verified options, Amazon Pay ICICI carries the lowest recurring annual fee (₹0), but the right card depends on your spending, cards already owned, realistic redemption value, exclusions and issuer approval fit. CardMasters presents a current evidence-led shortlist instead of one paid winner.
How many online shopping cards does CardMasters track?
This shortlist shows 13 cards, each with a dated issuer-source check. The full CardMasters directory covers 73 active Indian credit cards.
Does affiliate commission affect this shortlist?
No. Affiliate payout is not used to select, order or value cards. A card can appear without a monetized application link, and every tracked campaign is disclosed separately.
How current is the card information?
Every card on this page has a dated issuer-source record. This catalogue release was published 2026-08-01, but credit-card terms can change after publication, so confirm final terms with the issuer.
What should I check before applying for a online shopping card?
Confirm whether the accelerated rate is platform-specific or applies to all online spend. Approval, credit limit and final pricing remain at the issuer's sole discretion.