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Best Credit Cards for Online Shopping in India

If most of your card spend goes to Amazon, Flipkart and other online stores, partner-merchant rates matter more than the base rate.

Ranked for a shopper spending ₹30,000 a month online: Amazon ₹10,000, Flipkart ₹6,000, Other online shopping ₹14,000, Everything else ₹6,000. Change these numbers in the calculator. Values are best-case: points at their best redemption value and spend milestones included (vouchers at half of face value).

Top picks

  1. 1

    Cashback SBI Card

    SBI Card · fee ₹999 (waived at this spend)
    ₹18,000a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹18,720Milestones ₹0Fee −₹0All spend: ₹18,720 net
    See official terms Full review
  2. 2

    HSBC Live+ Credit Card

    HSBC India · fee ₹999 (waived at this spend) min income ≈ ₹50,000/month
    ₹17,640a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹18,720Milestones ₹0Fee −₹0All spend: ₹18,720 net
    See official terms Full review
  3. 3

    Swiggy Ornge HDFC Bank

    HDFC Bank · fee ₹500 (waived at this spend) min income ≈ ₹20,000/month
    ₹13,968a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹14,688Milestones ₹0Fee −₹0All spend: ₹14,688 net
    See official terms Full review
  4. 4

    Swiggy BLCK HDFC Bank

    HDFC Bank · fee ₹1,000 (waived at this spend)
    ₹13,968a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹14,688Milestones ₹0Fee −₹0All spend: ₹14,688 net
    See official terms Full review
  5. 5

    HDFC Millennia

    HDFC Bank · fee ₹1,000 (waived at this spend) min income ≈ ₹35,000/month
    ₹13,200a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹13,920Milestones ₹2,000Fee −₹0All spend: ₹15,920 net
    See official terms Full review
  6. 6

    Amazon Pay ICICI Bank Credit Card

    ICICI Bank · fee ₹0 min income ≈ ₹30,000/month
    ₹8,568a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹9,288Milestones ₹0Fee −₹0All spend: ₹9,288 net
    See official terms Full review
  7. 7

    HDFC PIXEL Play

    HDFC Bank · fee ₹500 (waived at this spend)
    ₹7,536a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹8,256Milestones ₹0Fee −₹0All spend: ₹8,256 net
    See official terms Full review
  8. 8

    Scapia Federal Bank Credit Card

    Federal Bank · fee ₹0 min income ≈ ₹41,667/month
    ₹7,200a year on amazon, flipkart, other online shopping, after fee share
    Rewards ₹8,640Milestones ₹0Fee −₹0All spend: ₹8,640 net
    See official terms Full review

What the numbers show: Cashback SBI Card leads this list at ₹18,000 a year on amazon, flipkart, other online shopping after its share of the fee (₹18,720 net on the whole profile), essentially level with HSBC Live+ Credit Card (within ₹360), so treat the order as a tie. This list is ranked on that category only, not on the whole profile.

How to read this ranking

SBI Cashback leads at ₹18,000 on this ₹30,000-a-month online profile: 5% on any online merchant is ₹1,500 a month, under its ₹2,000 monthly cap, and its ₹999 fee is waived at ₹2 lakh a year (the persona spends more). The same ₹30,000 on a flat 1.5% card would earn ₹450 a month. HSBC Live+ is a close second at ₹17,640: its 10% (capped at ₹1,200 a month in total) applies to the ₹14,000 of non-Amazon, non-Flipkart online spend, while since 26 July 2026 Amazon and Flipkart earn it only 1.5% and a 10% Myntra welcome-gift cashback runs only until 31 October 2026.

The two Swiggy cards tie at ₹13,968, because Amazon and Flipkart spend earns 5% on both and our model assumes 40% of other online spend goes to their listed 5% merchants. Third-party merchant mix decides that part of the order: if you shop mostly at Myntra, Nykaa or Tata CLiQ, the figure changes. Jupiter Edge+ is deliberately not ranked here: its 10% needs payment through the Jupiter UPI app and statement spend above ₹15,000, neither of which we can verify for you, so it appears only on the RuPay list and in the calculator.

Figures come from the issuers' own terms as recorded on each card page (sources and check dates are listed there). Estimates, not offers.

Head to head

Questions

How was this "best credit cards for online shopping" list ranked?

We ran a shopper spending ₹30,000 a month online (about ₹36,000 a month of card spend in total) through each card's reward rules, caps, fee and milestones and ranked on what each card earns on amazon, flipkart, other online shopping alone, after its share of the fee. Affiliate payouts play no part in the ranking.

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