Online shopping has become the most convenient way to buy everything from electronics and fashion to groceries and subscriptions in India. As digital payments and app-based purchases continue to grow, choosing the right credit card for online shopping is essential to save money and earn better rewards.
The best credit cards for online shopping in India in 2026 offer higher cashback, accelerated reward points, instant discounts, and exclusive deals on platforms like Amazon, Flipkart, Myntra, Swiggy, and Zomato. Many cards also support seamless UPI, contactless payments, and app-based tracking, making them ideal for frequent online shoppers.
With dozens of credit cards available, selecting the right one depends on your spending pattern, preferred shopping platforms, annual fees, and reward structure. This guide compares the top credit cards for online shopping in India based on cashback rates, reward value, fees, and overall usability, helping you choose the most rewarding card for your online purchases.
Choosing the right credit card for online shopping depends on where you spend the most like Amazon, Flipkart, fashion apps, food delivery platforms, or across multiple websites. The table below compares the best online shopping credit cards in India based on cashback, rewards, fees, and ideal usage.
Top Credit Cards for Online Shopping in India (2026)
While comparison tables provide a quick overview, choosing the best credit card for online shopping depends on how and where you spend. Some cards offer higher cashback on specific e-commerce platforms, while others provide flat rewards across all online transactions. Understanding these differences is essential before applying.
Below are the top-performing credit cards for online shopping in India in 2026, selected based on cashback value, reward structure, annual fees, platform coverage, and ease of redemption. Each card is explained in detail to help you identify the option that delivers the highest value for your online spending.
Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card is one of the most widely used online shopping credit cards in India, especially among frequent Amazon customers. It offers direct cashback credited to the Amazon Pay wallet, eliminating complex reward conversions.
Key Benefits
-
Up to 5% cashback on Amazon purchases for Prime members
-
3% cashback for non-Prime Amazon users
-
2% cashback on Amazon Pay partner merchants
-
Lifetime free with no annual fee
Best for: Regular Amazon shoppers looking for straightforward cashback savings.
SBI Cashback Credit Card
The SBI Cashback Credit Card is designed for users who spend across multiple online platforms and want consistent cashback without brand restrictions.
Key Benefits
-
5% cashback on online transactions (monthly cap applicable)
-
Valid on Amazon, Flipkart, Myntra, Swiggy, Zomato, and more
-
1% cashback on offline spends
-
Annual fee of ₹999
Best for: High online spenders who shop across different apps and websites.
Flipkart Axis Bank Credit Card
This card is tailored for users who frequently shop on Flipkart and Myntra, particularly for fashion, electronics, and lifestyle products.
Key Benefits
-
5% cashback on Flipkart and Myntra purchases
-
Additional cashback on select partner brands
-
1% cashback on other spends
-
Annual fee of ₹500
Best for: Flipkart and Myntra-focused online shoppers.
Best Credit Cards by Online Shopping Category (2026)
Different shoppers have different online spending patterns. Some primarily shop on Amazon or Flipkart, while others spend more on fashion apps, groceries, or food delivery platforms. Choosing a credit card that aligns with your most-used shopping category can result in higher cashback and better overall savings.
This section highlights the best credit cards for specific online shopping categories in India, helping you select the most rewarding option based on where you spend the most.
Best Credit Card for Amazon Shopping
For frequent Amazon users, co-branded cards provide the highest value through direct cashback and exclusive offers.
Top Choice: Amazon Pay ICICI Credit Card
-
Up to 5% cashback for Prime members
-
3% cashback for non-Prime users
-
No annual fee
-
Instant cashback credited to Amazon Pay
Ideal for: Heavy Amazon shoppers looking for simple, high cashback without reward point complexity.
Best Credit Card for Flipkart & Myntra Shopping
Fashion and lifestyle shoppers benefit the most from cards that offer platform-specific cashback.
Top Choice: Flipkart Axis Bank Credit Card
Ideal for: Users who frequently shop for clothing, electronics, and accessories online.
Best Credit Card for All Online Purchases
If you shop across multiple platforms, a flat cashback card delivers consistent value.
Top Choice: SBI Cashback Credit Card
-
5% cashback on most online spends
-
Works across Amazon, Flipkart, Myntra, Swiggy, Zomato, and more
-
Annual fee of ₹999
Ideal for: Users with high monthly online spending across various apps and websites.
Best Credit Card for Food Delivery & Grocery Apps
Food delivery and grocery apps form a major part of online spending for many users.
Top Choice: HDFC Millennia Credit Card
-
Cashback on Swiggy, Zomato, Blinkit, BigBasket (via partners)
-
Flexible reward redemption
-
Annual fee waiver on meeting spend criteria
Ideal for: Users who order food or groceries online frequently.
Best UPI-Enabled Credit Cards for Online Payments
UPI-linked credit cards are becoming increasingly popular for small online transactions.
Top Choice: Axis Ace Credit Card
Ideal for: Users who prefer UPI-based online payments with credit card benefits.
Cashback vs Reward Points: Which Credit Card Is Better for Online Shopping?
When choosing the best credit card for online shopping in India, many users compare cashback credit cards with reward points credit cards. Both options offer savings on online transactions, but the actual value depends on how you spend and redeem your benefits.
Cashback credit cards provide direct savings on eligible online purchases. The cashback is usually credited to your statement or wallet, making it easy to understand and use. These cards are ideal for users who want predictable savings on e-commerce spending without tracking reward conversions.
On the other hand, reward points credit cards allow users to earn points on online spends that can be redeemed for vouchers, statement credits, travel bookings, or merchandise. While reward-based cards may offer higher redemption value in some cases, the benefit depends on redemption flexibility and partner platforms.
Cashback Credit Cards for Online Shopping
Cashback cards are popular among frequent online shoppers because they offer instant or monthly cashback on transactions made through e-commerce apps and websites.
Key advantages
-
Simple savings on online purchases
-
High cashback rates on Amazon, Flipkart, Myntra, and food delivery apps
-
No complicated reward redemption process
-
Ideal for users with regular online spending
Best suited for: Users searching for high cashback credit cards, online cashback cards, or best cashback credit card in India.
Reward Points Credit Cards for Online Shopping
Reward-based credit cards offer points for every online transaction, which can later be redeemed for various benefits.
Key advantages
-
Higher reward value on select merchants
-
Flexible redemption options (vouchers, statement credit, products)
-
Often include lifestyle and dining benefits
Best suited for: Users who want flexibility and are comfortable managing reward redemptions.
Which Option Offers Better Value for Online Purchases?
The best credit card for online purchases depends on your spending pattern:
-
If you prefer direct savings and transparency, cashback cards deliver better value.
-
If you shop across multiple categories and redeem points strategically, reward cards can offer higher returns.
-
Users with high monthly online spending benefit more from flat cashback credit cards with fewer restrictions.
For most users in 2026, cashback-focused online shopping credit cards provide the highest and most consistent value, especially for e-commerce, food delivery, and digital services.
How to Choose the Right Credit Card for Online Shopping in India (2026)
Selecting the best credit card for online shopping is not just about cashback rates. The right card should align with your monthly online spending, preferred shopping platforms, and long-term cost structure. Evaluating these factors helps avoid hidden charges and ensures maximum savings on digital purchases.
1. Monthly Online Spending Pattern
Before applying, estimate how much you spend online each month. Users with higher online spending benefit more from flat cashback credit cards, while occasional shoppers may prefer no-annual-fee credit cards with moderate rewards.
2. Preferred Shopping Platforms
Some credit cards offer higher cashback on specific platforms such as Amazon, Flipkart, Myntra, or food delivery apps. If most of your online transactions happen on one platform, a co-branded credit card can provide better value than a general rewards card.
3. Cashback Caps and Reward Limits
High cashback rates often come with monthly or quarterly limits. Always check:
Ignoring cashback caps can significantly reduce the actual benefit.
4. Annual Fees and Fee Waivers
Many online shopping credit cards charge an annual fee, which may be waived if you meet a minimum spend requirement. Compare your potential savings against the fee to ensure the card remains cost-effective.
5. Redemption Flexibility
Cashback cards usually offer direct statement credits or wallet balances, while reward cards require redemption through portals or vouchers. Choose a card with a simple redemption process to avoid unused benefits.
6. Credit Score and Eligibility
Most online shopping credit cards require a good credit score and stable income. Applying only for cards that match your eligibility improves approval chances and protects your credit profile.
Eligibility Criteria for Online Shopping Credit Cards in India
Before applying for a credit card for online shopping, it is important to understand the eligibility requirements set by banks and card issuers. Meeting these criteria improves approval chances and helps you choose a card that suits your financial profile.
Most online shopping credit cards in India follow similar eligibility standards, though requirements may vary slightly by issuer.
Age Requirement
Applicants must typically be:
Income Criteria
Income requirements depend on whether you are salaried or self-employed:
-
Salaried individuals: Minimum monthly income usually starts from ₹20,000–₹30,000
-
Self-employed professionals: Stable annual income with documented proof
Higher cashback and premium online shopping cards may have stricter income thresholds.
Credit Score Requirement
A good credit score plays a major role in credit card approval:
Maintaining timely repayments and low credit utilization increases approval chances.
Employment Stability
Card issuers prefer applicants with:
This helps banks assess repayment reliability.
KYC and Documentation
Applicants are required to submit standard KYC documents, including:
-
Identity proof (Aadhaar, PAN)
-
Address proof
-
Income proof (salary slips, bank statements, ITR)
Digital KYC is available for most online shopping credit cards, allowing faster approvals.
Why Eligibility Matters When Choosing an Online Shopping Credit Card
Applying for cards that match your eligibility avoids unnecessary rejections, protects your credit score, and increases approval speed. It also ensures you qualify for higher cashback credit cards, better reward structures, and premium online shopping benefits.
Fees, Interest Rates & Charges on Online Shopping Credit Cards
Before applying for any online shopping credit card, it is essential to understand the fees, interest rates, and charges involved. While cashback and rewards can help you save, hidden costs may reduce the overall value if not evaluated carefully.
Most credit cards in India follow a standard fee structure, but charges vary depending on the card type, issuer, and usage pattern.
Annual & Renewal Fees
Online shopping credit cards may be:
-
Lifetime free (no annual or renewal fee)
-
Paid cards with annual fees ranging from ₹499 to ₹1,000 or more
Many cards offer annual fee waivers when you meet a minimum spending requirement during the year.
Interest Rates on Outstanding Balances
If you do not pay your full credit card bill by the due date, interest is charged on the outstanding amount.
To maximize savings from online shopping cashback, always pay the total due before the billing cycle ends.
Late Payment Charges
Missing a payment deadline can result in:
Late payment charges usually range from ₹500 to ₹1,300, depending on the unpaid amount.
Cashback & Reward Exclusions
Not all online transactions qualify for cashback or reward points. Common exclusions include:
Understanding these exclusions helps avoid overestimating cashback benefits.
Foreign Currency Markup Fees
If you shop on international websites, foreign currency markup fees may apply:
Cards with lower forex markup are better for international online purchases.
Are Online Shopping Credit Cards Worth It in 2026?
Online shopping credit cards can be highly rewarding when used correctly, but they are not suitable for everyone. Their value depends on how often you shop online, how you repay your bills, and whether the cashback or rewards outweigh the fees and charges.
In 2026, with rising digital spending and frequent e-commerce offers, these cards continue to be a practical choice for users who rely heavily on online platforms for shopping, food delivery, and digital services.
When Online Shopping Credit Cards Make Sense
Online shopping credit cards are worth considering if:
-
You spend regularly on e-commerce websites and apps
-
You pay your credit card bills in full every month
-
You can maximize cashback caps and reward limits
-
You prefer digital payments, UPI, and contactless transactions
In such cases, the savings earned through cashback and rewards can easily exceed the annual fee.
When They May Not Be the Right Choice
These cards may not be ideal if:
-
Your online spending is low or occasional
-
You often carry forward balances and incur interest charges
-
You are unable to meet minimum spend criteria for fee waivers
In these situations, a basic or lifetime-free credit card may be more suitable.
Estimated Savings for Regular Online Shoppers
For users spending ₹15,000–₹25,000 per month online, a high cashback credit card can offer:
-
Annual savings of ₹6,000–₹12,000 through cashback and rewards
-
Additional value through instant discounts and partner offers
This makes online shopping credit cards a cost-effective option for frequent digital shoppers.