Best Shopping Credit Cards

22 cards in this category•Updated September 2026•Verified against Bank MITC

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	Shopping Score	Annual Fee	Top Category Perk	Quick Action
#1 IDFC FIRST Bank#1 Leader IDFC FIRST Millennia	95/100 EliteOverall: 79	FreeStandard fee	Up to 2.5% rewards on top categories	Compare
#2 ICICI Bank Amazon Pay ICICI	95/100 EliteOverall: 77	FreeStandard fee	Up to 5% rewards on top categories	Compare
#3 SBI Card SimplyCLICK SBI	95/100 EliteOverall: 75	₹499Waived @ ₹1,00,000/yr	Up to 10% rewards on top categories	Compare
#4 HDFC Bank HDFC Millennia	95/100 EliteOverall: 73	₹1,000Waived @ ₹1,00,000/yr	Up to 5% rewards on top categories	Compare
#5 Axis Bank Flipkart Axis	95/100 EliteOverall: 73	₹500Waived @ ₹3,50,000/yr	Up to 7.5% rewards on top categories	Compare

22 cards found

CardCheck Score

Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card

ICICI Bank

Best for Rewards on Amazon Purchases

Fuel WaiverHigh RewardsLow ForexShopping

No joining or annual fees
Unlimited cashback that never expires
5% cashback on Amazon.in for Prime members

Free

Free

1–5%

42–46%

CardCheck Score

American Express SmartEarn Credit Card

American Express SmartEarn Credit Card

American Express

Best for Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy

Fuel WaiverHigh RewardsShopping

Access to Amex Offers on dining, shopping & travel
One of the best low-fee Amex entry cards
Strong rewards on popular online brands

₹495

₹495

0.5–5%

42%

CardCheck Score

Axis Bank Rewards Credit Card

Axis Bank Rewards Credit Card

Axis Bank

Best for Everyday reward points with accelerated earning on dining & shopping

Fuel WaiverLounge AccessHigh RewardsWelcome Bonus

5000 welcome EDGE REWARD points
2 EDGE REWARD points per ₹125 spent
10X rewards on apparel and departmental stores

₹1,000

₹1,000

1.6–16%

55.55%

CardCheck Score

Axis Cashback Credit Card

Axis Cashback Credit Card

Axis Bank

Best for heavy online shoppers

Cashback is automatically credited to the card statement
Up to 7% back on spends above ₹40,000 (capped at ₹2,150)
Cashback valid across merchants, not limited to specific brands

₹1,000

₹1,000

0.75–7%

55.55%

CardCheck Score

BOBCARD Cashback Credit Card

BOBCARD Cashback Credit Card

BOBCARD

Best for online shopping, everyday cashback, low-maintenance rewards

Fuel WaiverHigh RewardsShopping

5% cashback on eligible domestic online spends
unlimited 1% cashback on other spends
automatic monthly cashback credit

₹499

₹499

1–5%

42%

CardCheck Score

CASHBACK SBI Card

CASHBACK SBI Card

SBI Card

Best for Online cashback

Fuel WaiverHigh Rewards

5% cashback on all eligible online spends without merchant restrictions
1% cashback on eligible offline spends
Cashback automatically credited to the card statement every month

₹999

₹999

1–5%

42%

CardCheck Score

CRED IndusInd Bank RuPay Credit Card

CRED IndusInd Bank RuPay Credit Card

IndusInd Bank

Best for Online shopping and UPI transactions with CRED app

Fuel WaiverHigh RewardsShopping

5% back as CRED Reward Points on eligible e-commerce transactions
5% back on CRED Pay, CRED Store, CRED Travel, gift cards and online UPI payments through CRED
Accelerated 5% rewards capped at 5,000 CRED Reward Points per statement cycle

Free

₹499

1–5%

47.4%

CardCheck Score

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

Axis Bank

Best for Flipkart and online shopping

Fuel WaiverHigh RewardsShopping

5% cashback on Flipkart, Myntra & Cleartrip spends
4% cashback on preferred merchants like Swiggy, PVR & Uber
1% cashback on all other eligible spends

₹500

₹500

1–7.5%

45–55.55%

CardCheck Score

HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

Best for online shoppers

Fuel WaiverLounge AccessHigh Rewards

5% cashback on eligible spends at Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, and select partner merchants
1% cashback on other eligible spends
₹1,000 gift voucher on quarterly spends of ₹1 lakh or more

₹1,000

₹1,000

1–5%

43.2%

CardCheck Score

Jupiter Edge+ CSB Bank RuPay Credit Card

Jupiter Edge+ CSB Bank RuPay Credit Card

CSB Bank

Best for cashback on shopping, cashback on travel, UPI payments on credit

Fuel WaiverHigh RewardsShopping

10% cashback on shopping
5% cashback on travel
1% cashback on other eligible spends

₹499

Free

1–10%

42%

CardCheck Score

Kotak Cashback+ Credit Card

Kotak Cashback+ Credit Card

Kotak Mahindra Bank

Best for online groceries, food delivery, entertainment, fuel

Fuel WaiverHigh Rewards

5% cashback on online grocery spends
5% cashback on online food delivery spends
5% cashback on online movie ticket and OTT subscription spends

₹750

₹750

0.5–5%

45%

CardCheck Score

PhonePe SBI Card SELECT BLACK

PhonePe SBI Card SELECT BLACK

SBI Card

Best for PhonePe users seeking rewards on UPI/online spends and lounge access

Fuel WaiverLounge AccessHigh RewardsShopping

10% reward points on PhonePe app merchant spends (capped at 1,500 points/month)
5% reward points on eligible online merchant spends (strictly capped at 1,000 points/month, max ₹20,000 spend)
1% reward points on all other eligible retail transactions (capped at 2,000 points/month)

₹1,499

₹1,499

1–10%

42%

CardCheck Score

SimplyCLICK SBI Card

SimplyCLICK SBI Card

SBI Card

Best for Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow

Fuel WaiverHigh RewardsWelcome BonusShopping

10X Reward Points on online spends at Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Swiggy, Yatra & select partner brands
5X Reward Points on all other eligible online spends
1 Reward Point per ₹100 on offline spends

₹499

₹499

1.25–10%

42%

CardCheck Score

Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

HDFC Bank

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

High RewardsShopping

10% cashback on eligible spends across Swiggy Food, Instamart, Dineout & Genie (up to ₹1,500 per billing cycle)
5% cashback on eligible online spends across select categories and merchants (up to ₹1,500 per billing cycle)
1% cashback on other eligible spends (up to ₹500 per billing cycle)

₹500

₹500

1–10%

43.2–45%

CardCheck Score

Swiggy Ornge HDFC Bank Credit Card

Swiggy Ornge HDFC Bank Credit Card

HDFC Bank

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%

CardCheck Score

Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank

Best for Tata ecosystem power users — 5% NeuCoins + lounge access

Fuel WaiverLounge AccessHigh RewardsShopping

5% back as NeuCoins on Tata Neu and partner Tata brands (non-EMI)
1.5% back as NeuCoins on other eligible non-UPI spends and merchant EMIs
Up to 1.5% back on UPI (0.5% base + 1% via Tata Neu UPI ID; 500 NeuCoins/month cap)

₹1,499

₹1,499

0.5–10%

45%

CardCheck Score

Tata Neu Plus Credit Card

Tata Neu Plus Credit Card

HDFC Bank

Best for Tata brand rewards

Fuel WaiverHigh RewardsShopping

Up to 7% value back as NeuCoins on Tata Neu spends with Tata Neu Infinity + app usage
2% NeuCoins on Tata partner brands including BigBasket, Croma, Tata 1mg, Air India & Westside
1% NeuCoins on other eligible spends

₹499

₹499

1.5–5%

42–44.98%

CardCheck Score

RBL Bank Platinum Delight Credit Card

RBL Bank Platinum Delight Credit Card

RBL Bank

Best for Weekend dining & shopping — 20 RP per ₹100 on weekends

Fuel WaiverHigh RewardsWelcome BonusShopping

Welcome benefit of 4,000 Reward Points on eligible first transaction and fee payment
Earn 2 Reward Points per ₹100 on weekday spends
Earn 4 Reward Points per ₹100 on weekend spends

₹1,000

₹1,000

2–4%

47.88%

CardCheck Score

IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card

IDFC FIRST Bank

Best for Lifetime-free millennial card — 5X on online spends, low interest, zero fee

Fuel WaiverLounge AccessWelcome Bonus

Lifetime free credit card with no joining or annual fees
3X Reward Points on online and offline spends up to ₹20,000 per month
10X Reward Points on spends above ₹20,000 per month and birthday spends

Free

Free

0.75–2.5%

8.5–46.2%

CardCheck Score

SimplySAVE SBI Card

SimplySAVE SBI Card

SBI Card

Best for Shopping rewards

Fuel WaiverWelcome BonusShopping

10 Reward Points per ₹150 on dining, movies, grocery & departmental store spends
1 Reward Point per ₹150 on other eligible spends
2,000 bonus Reward Points on ₹2,000 spends within first 60 days

₹499

₹499

0.25–2.5%

29.97–60%

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.