Best Online Shopping Credit Cards in India 2026
Best cards for Amazon, Flipkart and e-commerce spends — accelerated online earn rates ranked on net value. We compared 59 credit cards (including 15 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
Flipkart Axis Bank Super Elite Credit Card
12.0% effective earn on online spends
Flipkart Axis Bank Super Elite Credit Card
Annual Fee
₹500
Headline Rate
12% on flipkart
Jupiter Edge+ CSB Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
50x on online
Axis Bank Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
7% on online
HDFC Millennia Credit Card
Annual Fee
₹1,000
Headline Rate
5% on amazon
Swiggy Ornge HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on dining
CASHBACK SBI Card
Annual Fee
₹999
Headline Rate
5% on online
Tata Neu Infinity SBI Credit Card
Annual Fee
₹1,499
Headline Rate
5% on online
Flipkart SBI Card
Annual Fee
₹500
Headline Rate
5% on flipkart
Amazon Pay ICICI Bank Credit Card
Annual Fee
Free
Headline Rate
5% on amazon
Flipkart Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on flipkart
IDFC FIRST Hello Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
5% on online
BOBCARD Cashback
Annual Fee
₹499
Headline Rate
5% on online
Kotak Cashback+ Prime Credit Card
Annual Fee
₹750
Headline Rate
5% on online
CRED IndusInd Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on online
BOBCARD Eterna
Annual Fee
₹2,499
Headline Rate
15x on online
HDFC PIXEL Play Credit Card
Annual Fee
Free
Headline Rate
5% on other
AU Xcite Ace Credit Card
Annual Fee
₹749
Headline Rate
3% on online
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
RESERV Credit Card
Annual Fee
₹2,499
Headline Rate
12x on online
HDFC MoneyBack+ Credit Card
Annual Fee
₹500
Headline Rate
10x on amazon
PhonePe HDFC Bank Ultimo Credit Card
Annual Fee
₹999
Headline Rate
10x on online
Reliance SBI Card
Annual Fee
₹499
Headline Rate
10x on online
American Express SmartEarn Credit Card
Annual Fee
₹495
Headline Rate
10x on other
AU LIT Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
Snapdeal BOBCARD
Annual Fee
₹249
Headline Rate
2.5% on online
POP-CLUB Credit Card
Annual Fee
₹399
Headline Rate
10x on online
Tata Neu Plus SBI Credit Card
Annual Fee
₹499
Headline Rate
2% on online
Paytm SBI Card
Annual Fee
₹499
Headline Rate
3% on travel
Paytm SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
5% on travel
IDFC FIRST Quantum+ Credit Card
Annual Fee
Free
Headline Rate
2% on online
Select Credit Card
Annual Fee
₹599
Headline Rate
8x on online
Smart Credit Card
Annual Fee
₹499
Headline Rate
2% on online
Utkarsh superCard (FD-backed)
Annual Fee
Free
Headline Rate
2% on flipkart
AU Altura+ Credit Card
Annual Fee
₹499
Headline Rate
1.5% on online
HSBC Live+ Credit Card
Annual Fee
₹999
Headline Rate
10% on dining
Elite+ Credit Card
Annual Fee
₹999
Headline Rate
6x on online
Kotak Zen Signature Credit Card
Annual Fee
₹1,500
Headline Rate
6.67x on online
SimplyCLICK SBI Card
Annual Fee
₹499
Headline Rate
5x on online
RBL Bank Cookies Credit Card
Annual Fee
₹1,200
Headline Rate
5x on online
BOBCARD Select
Annual Fee
Free
Headline Rate
5x on online
ICAI Exclusive BOBCARD
Annual Fee
Free
Headline Rate
5x on online
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on dining
HDFC Bank Pixel Go Credit Card
Annual Fee
₹250
Headline Rate
1% on online
Swiggy BLCK HDFC Bank Credit Card
Annual Fee
₹1,000
Headline Rate
1% on dining
RBL Bank Aspire Banking Credit Card
Annual Fee
₹1,500
Headline Rate
1% on travel
ACE Credit Card
Annual Fee
₹499
Headline Rate
4x on online
IndusInd Pinnacle Credit Card
Annual Fee
Free
Headline Rate
2.5x on online
Union UNICORN RuPay Credit Card
Annual Fee
₹2,400
Headline Rate
4x on online
Uni GoldX Credit Card
Annual Fee
Free
Headline Rate
1x on travel
HDFC Regalia Gold Credit Card
Annual Fee
₹2,500
Headline Rate
2.5x on online
PhonePe HDFC Bank Uno Credit Card
Annual Fee
₹499
Headline Rate
2x on online
Reliance SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on online
J&K Bank Platinum Credit Card
Annual Fee
₹500
Headline Rate
2x on online
Suryoday SFB RuPay Platinum Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB RuPay Select Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
RuPay Credit Card
Annual Fee
Free
Headline Rate
1x on online
FinBooster Credit Card
Annual Fee
Free
Headline Rate
1x on online
Utkarsh Wish Credit Card
Annual Fee
Free
Headline Rate
3x on utilities
Kotak 811 Credit Card
Annual Fee
₹500
Headline Rate
2x on online
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