Which credit card is best for online shopping in India?

The Amazon Pay ICICI Card and Flipkart Axis Bank Card are top picks for 5% unlimited cashback on Amazon and Flipkart. For multi-platform shopping, HDFC Millennia offers 5% cashback on top merchants including Myntra, Swiggy, and Zomato.

Can I get instant discounts during festival sales with shopping credit cards?

Yes. Banks like HDFC, ICICI, SBI, and Axis regularly partner with Amazon Great Indian Festival and Flipkart Big Billion Days to offer 10% instant bank discounts on top of regular card rewards.

Do shopping credit cards offer no-cost EMI options?

Yes. Most shopping cards provide 3 to 24-month No-Cost EMI options on major e-commerce platforms for electronics, smartphones, and large appliances.

Best Shopping Credit Cards

4 cards in this category

Shopping credit cards offer accelerated cashback, instant discounts, and reward points on online and offline retail spending. Co-branded shopping cards like Amazon Pay ICICI, Flipkart Axis, and Swiggy HDFC offer up to 5% flat cashback on top Indian e-commerce platforms.

2026 Comparison Matrix

Top Ranked Best Shopping Credit Cards

Verified Bank MITC Terms

Side-by-side comparisonSwipe right for full table

Rank & Credit Card	CardCheck Score	Annual Fee	Top Category Perk	Quick Action
#1 Axis Bank#1 Leader Flipkart Axis	79/100 Very Good	₹500Waived @ ₹2,00,000/yr	Up to 5% rewards on top categories	Compare
#2 ICICI Bank Amazon Pay ICICI	75/100 Very Good	FreeStandard fee	Up to 5% rewards on top categories	Compare
#3 HDFC Bank Swiggy HDFC	73/100 Very Good	₹500Waived @ ₹2,00,000/yr	Up to 10% rewards on top categories	Compare
#4 HDFC Bank Swiggy Ornge HDFC	72/100 Very Good	₹500Waived @ ₹1,50,000/yr	Up to 5% rewards on top categories	Compare

4 cards found

CardCheck Score

Very Good

Amazon Pay ICICI Bank Credit Card

ICICI Bank

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Best for Rewards on Amazon Purchases

Fuel WaiverHigh RewardsShopping

5% cashback on Amazon.in for Prime members (3% for non-Prime) — unlimited, no monthly cap
2% cashback on Amazon Pay partner merchant spends
1% cashback on all other retail transactions

Free

Free

1–5%

42%

Flipkart Axis Bank Credit Card

Axis Bank

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Best for Flipkart, Myntra & everyday online shopping cashback

Fuel WaiverLounge AccessHigh RewardsWelcome Bonus

5% cashback on Flipkart and Myntra
4% cashback on preferred partners including Swiggy, PVR, Uber
1.5% cashback on all other retail spends

₹500

₹500

1.5–5%

45%

Swiggy HDFC Bank Credit Card

HDFC Bank

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Best for Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends

Fuel WaiverHigh RewardsShopping

10% cashback on Swiggy app (food, Instamart, Dineout)
5% cashback on online dining and movies
1% cashback on all other eligible retail spends

₹500

₹500

1–10%

42%

Swiggy Ornge HDFC Bank Credit Card

HDFC Bank

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Best for Swiggy users and online shoppers — 5% cashback on Swiggy and select online merchants

High RewardsShopping

5% cashback on eligible Swiggy app spends (Food, Instamart, Dineout) — min ₹249 per txn
5% cashback on eligible online merchant categories — min ₹249 per txn
1% cashback on other eligible retail spends — min ₹100 per txn

₹500

₹500

1–5%

43.2–45%

Frequently asked questions

Which credit card is best for online shopping in India?: The Amazon Pay ICICI Card and Flipkart Axis Bank Card are top picks for 5% unlimited cashback on Amazon and Flipkart. For multi-platform shopping, HDFC Millennia offers 5% cashback on top merchants including Myntra, Swiggy, and Zomato.
Can I get instant discounts during festival sales with shopping credit cards?: Yes. Banks like HDFC, ICICI, SBI, and Axis regularly partner with Amazon Great Indian Festival and Flipkart Big Billion Days to offer 10% instant bank discounts on top of regular card rewards.
Do shopping credit cards offer no-cost EMI options?: Yes. Most shopping cards provide 3 to 24-month No-Cost EMI options on major e-commerce platforms for electronics, smartphones, and large appliances.