Best credit cards for online shopping in India 2026 — Swiggy, Amazon, Flipkart, Zomato compared

We use a custom per-platform earnings model — not a general spend mix.

For each card we:

• Pull benefit summaries sourced from issuer fee and rewards disclosures (typically MITC / official pages)
• Extract the named rate and monthly cap for each of the 4 platforms
• Apply the rate to your spend on that platform, then apply the cap (per-platform or combined if stated)
• Convert points to rupee value using point_value_inr from the same disclosure set (typically about ₹0.25–₹1 per point when points apply)
• Deduct the annual fee when it is not waived on this profile

Cards without a named benefit line for any of these 4 platforms are excluded. That is conservative — some cards with a strong general "online" or "dining" rate may look weaker here, but we only quote what is explicitly tied to a platform or a clear category line.

Amazon ₹5,000/month · Flipkart ₹3,000/month · Swiggy ₹3,000/month · Zomato ₹2,500/month.

We do not include grocery, fuel, bills, travel, or other spend in this ranking.

If those categories matter to you, use the Rewards Calculator with your full spend profile.

Estimated net rupees per year on platform spend only (Amazon ₹5,000 + Flipkart ₹3,000 + Swiggy ₹3,000 + Zomato ₹2,500 = ₹13,500/month):

Top 5 at a glance (SERP-friendly table — tap the card name for the full fee and benefits page):

Full rankings — same maths with platform-rate callouts:

• 1. HSBC Cashback Credit Card (HSBC) — ₹11,001/yr est. · fee ₹999/yr (waived at ₹2,00,000/yr spend) · Swiggy 10% (cap ₹1,000/mo) · Zomato 10% (cap ₹1,000/mo)
• 2. Swiggy HDFC Bank Credit Card (HDFC Bank) — ₹10,900/yr est. · fee ₹500/yr (waived at ₹2,00,000/yr spend) · Swiggy 10%
• 3. HSBC Live+ Credit Card (HSBC Bank) — ₹5,601/yr est. · fee ₹999/yr (waived at ₹2,00,000/yr spend) · Swiggy 10% (cap ₹1,000/mo) · Zomato 10% (cap ₹1,000/mo)
• 4. Airtel Axis Bank Credit Card (Axis Bank) — ₹5,500/yr est. · fee ₹500/yr (waived at ₹2,00,000/yr spend) · Swiggy 10% (cap ₹500/mo combined) · Zomato 10% (cap ₹500/mo combined)
• 5. Standard Chartered DigiSmart Credit Card (Standard Chartered Bank) — ₹4,800/yr est. · free for life · Swiggy 10% (cap ₹200/mo) · Zomato 10% (cap ₹200/mo)
• 6. Amazon Pay ICICI Bank Credit Card (ICICI Bank) — ₹3,000/yr est. · free for life · Amazon 5%
• 7. Flipkart Axis Bank Credit Card (Axis Bank) — ₹2,740/yr est. · fee ₹500/yr (waived at ₹3,50,000/yr spend) · Flipkart 5% · Swiggy 4%
• 8. Regalia First Credit Card (HDFC Bank) — ₹2,430/yr est. · fee waived · Amazon 5% · Flipkart 5% · Swiggy 5% · Zomato 5%
• 9. American Express SmartEarn Credit Card (American Express) — ₹2,400/yr est. · fee waived · Amazon 10% · Swiggy 10%
• 10. ACE Credit Card (Axis Bank) — ₹2,141/yr est. · fee ₹499/yr (waived at ₹2,00,000/yr spend) · Swiggy 4% · Zomato 4%
• 11. Samsung Axis Bank Signature Credit Card (Axis Bank) — ₹700/yr est. · fee ₹500/yr (waived at ₹2,00,000/yr spend) · Amazon 5% · Flipkart 5%
• 12. Axis Bank My Zone Credit Card (Axis Bank) — ₹220/yr est. · fee ₹500/yr (waived at ₹2,00,000/yr spend) · Swiggy 10%

Use the Rewards Calculator to adjust the spend amounts and see how rankings shift for your usage.

HSBC Cashback Credit Card

HSBC Cashback Credit Card (HSBC) earns an estimated ₹11,001/year on these four platforms, ranking #1 in this comparison.

Platform breakdown (rates from cited issuer benefit lines; where a platform is not named, we may apply a general online or dining line—check the note on that row):

• Amazon: 10% (general online rate, cap ₹1,000/mo) — no Amazon-specific line in cited benefits; general online rate used here → ₹370/month on this profile
• Flipkart: 10% (general online rate, cap ₹1,000/mo) — no Flipkart-specific line in cited benefits; general online rate used here → ₹222/month on this profile
• Swiggy: 10%, cap ₹1,000/month — earns ₹222/month on our ₹3,000 profile
• Zomato: 10%, cap ₹1,000/month — earns ₹185/month on our ₹2,500 profile

Monthly total on this profile: ₹1,000 → ₹12,000 gross per year (before annual fee).

Annual fee: ₹999/yr (waived at ₹2,00,000/yr spend) — after deducting fee, ₹11,001/yr net on this platform-only profile.

Reward format: cashback.

Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card (HDFC Bank) earns an estimated ₹10,900/year on these four platforms, ranking #2 in this comparison.

Platform breakdown (rates from cited issuer benefit lines; where a platform is not named, we may apply a general online or dining line—check the note on that row):

• Amazon: 5% (general online rate, no named cap) — no Amazon-specific line in cited benefits; general online rate used here → ₹250/month on this profile
• Flipkart: 5% (general online rate, no named cap) — no Flipkart-specific line in cited benefits; general online rate used here → ₹150/month on this profile
• Swiggy: 10%, no cap — earns ₹300/month on our ₹3,000 profile
• Zomato: 10% (general dining rate, no named cap) — no Zomato-specific line in cited benefits; general dining rate used here → ₹250/month on this profile

Monthly total on this profile: ₹950 → ₹11,400 gross per year (before annual fee).

Annual fee: ₹500/yr (waived at ₹2,00,000/yr spend) — after deducting fee, ₹10,900/yr net on this platform-only profile.

Reward format: cashback.

HSBC Live+ Credit Card

HSBC Live+ Credit Card (HSBC Bank) earns an estimated ₹5,601/year on these four platforms, ranking #3 in this comparison.

Platform breakdown (rates from cited issuer benefit lines; where a platform is not named, we may apply a general online or dining line—check the note on that row):

• Amazon: not named in issuer benefit summaries for this card here — verify on the issuer page if you rely on generic online or dining perks
• Flipkart: not named in issuer benefit summaries for this card here — verify on the issuer page if you rely on generic online or dining perks
• Swiggy: 10%, cap ₹1,000/month — earns ₹300/month on our ₹3,000 profile
• Zomato: 10%, cap ₹1,000/month — earns ₹250/month on our ₹2,500 profile

Monthly total on this profile: ₹550 → ₹6,600 gross per year (before annual fee).

Annual fee: ₹999/yr (waived at ₹2,00,000/yr spend) — after deducting fee, ₹5,601/yr net on this platform-only profile.

Reward format: cashback.

Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card (Axis Bank) earns an estimated ₹5,500/year on these four platforms, ranking #4 in this comparison.

Platform breakdown (rates from cited issuer benefit lines; where a platform is not named, we may apply a general online or dining line—check the note on that row):

• Amazon: not named in issuer benefit summaries for this card here — verify on the issuer page if you rely on generic online or dining perks
• Flipkart: not named in issuer benefit summaries for this card here — verify on the issuer page if you rely on generic online or dining perks
• Swiggy: 10%, cap ₹500/month combined with Zomato — earns ₹273/month on our ₹3,000 profile
• Zomato: 10%, cap ₹500/month combined with Swiggy — earns ₹227/month on our ₹2,500 profile

Monthly total on this profile: ₹500 → ₹6,000 gross per year (before annual fee).

Annual fee: ₹500/yr (waived at ₹2,00,000/yr spend) — after deducting fee, ₹5,500/yr net on this platform-only profile.

Reward format: cashback.

Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card (Standard Chartered Bank) earns an estimated ₹4,800/year on these four platforms, ranking #5 in this comparison.

Platform breakdown (rates from cited issuer benefit lines; where a platform is not named, we may apply a general online or dining line—check the note on that row):

• Amazon: not named in issuer benefit summaries for this card here — verify on the issuer page if you rely on generic online or dining perks
• Flipkart: not named in issuer benefit summaries for this card here — verify on the issuer page if you rely on generic online or dining perks
• Swiggy: 10%, cap ₹200/month — earns ₹200/month on our ₹3,000 profile
• Zomato: 10%, cap ₹200/month — earns ₹200/month on our ₹2,500 profile

Monthly total on this profile: ₹400 → ₹4,800 gross per year (before annual fee).

Annual fee: lifetime free — ₹4,800/yr net on this profile.

Reward format: cashback.

Cards in our top group with issuer wording that names Amazon (sorted by headline rate, then by earnings after caps):

• American Express SmartEarn Credit Card (American Express) — 10% no cap → ₹125/month earned on our ₹5,000 profile · fee: ₹495/yr (waived at ₹40,000/yr spend)
• Amazon Pay ICICI Bank Credit Card (ICICI Bank) — 5% no cap → ₹250/month earned on our ₹5,000 profile · fee: lifetime free
• Regalia First Credit Card (HDFC Bank) — 5% no cap → ₹75/month earned on our ₹5,000 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
• Samsung Axis Bank Signature Credit Card (Axis Bank) — 5% no cap → ₹63/month earned on our ₹5,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)

The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Amazon. Use the Rewards Calculator to find the crossover point for your spend.

Cards in our top group with issuer wording that names Flipkart (sorted by headline rate, then by earnings after caps):

• Flipkart Axis Bank Credit Card (Axis Bank) — 5% no cap → ₹150/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹3,50,000/yr spend)
• Regalia First Credit Card (HDFC Bank) — 5% no cap → ₹45/month earned on our ₹3,000 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
• Samsung Axis Bank Signature Credit Card (Axis Bank) — 5% no cap → ₹38/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)

The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Flipkart. Use the Rewards Calculator to find the crossover point for your spend.

Cards in our top group with issuer wording that names Swiggy (sorted by headline rate, then by earnings after caps):

• Swiggy HDFC Bank Credit Card (HDFC Bank) — 10% no cap → ₹300/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
• HSBC Live+ Credit Card (HSBC Bank) — 10% capped ₹1,000/month → ₹300/month earned on our ₹3,000 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
• Airtel Axis Bank Credit Card (Axis Bank) — 10% capped ₹500/month combined → ₹273/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
• HSBC Cashback Credit Card (HSBC) — 10% capped ₹1,000/month → ₹222/month earned on our ₹3,000 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
• Standard Chartered DigiSmart Credit Card (Standard Chartered Bank) — 10% capped ₹200/month → ₹200/month earned on our ₹3,000 profile · fee: lifetime free
• American Express SmartEarn Credit Card (American Express) — 10% no cap → ₹75/month earned on our ₹3,000 profile · fee: ₹495/yr (waived at ₹40,000/yr spend)
• Axis Bank My Zone Credit Card (Axis Bank) — 10% no cap → ₹60/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
• Regalia First Credit Card (HDFC Bank) — 5% no cap → ₹45/month earned on our ₹3,000 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
• Flipkart Axis Bank Credit Card (Axis Bank) — 4% no cap → ₹120/month earned on our ₹3,000 profile · fee: ₹500/yr (waived at ₹3,50,000/yr spend)
• ACE Credit Card (Axis Bank) — 4% no cap → ₹120/month earned on our ₹3,000 profile · fee: ₹499/yr (waived at ₹2,00,000/yr spend)

The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Swiggy. Use the Rewards Calculator to find the crossover point for your spend.

Cards in our top group with issuer wording that names Zomato (sorted by headline rate, then by earnings after caps):

• HSBC Live+ Credit Card (HSBC Bank) — 10% capped ₹1,000/month → ₹250/month earned on our ₹2,500 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
• Airtel Axis Bank Credit Card (Axis Bank) — 10% capped ₹500/month combined → ₹227/month earned on our ₹2,500 profile · fee: ₹500/yr (waived at ₹2,00,000/yr spend)
• Standard Chartered DigiSmart Credit Card (Standard Chartered Bank) — 10% capped ₹200/month → ₹200/month earned on our ₹2,500 profile · fee: lifetime free
• HSBC Cashback Credit Card (HSBC) — 10% capped ₹1,000/month → ₹185/month earned on our ₹2,500 profile · fee: ₹999/yr (waived at ₹2,00,000/yr spend)
• Regalia First Credit Card (HDFC Bank) — 5% no cap → ₹38/month earned on our ₹2,500 profile · fee: ₹1,000/yr (waived at ₹1,00,000/yr spend)
• ACE Credit Card (Axis Bank) — 4% no cap → ₹100/month earned on our ₹2,500 profile · fee: ₹499/yr (waived at ₹2,00,000/yr spend)

The cap matters a lot here. A 10% rate capped at ₹500/month earns less than a 5% uncapped card once you cross ₹10,000/month on Zomato. Use the Rewards Calculator to find the crossover point for your spend.

Most cards that advertise 10% on Swiggy or 5% on Amazon have a monthly cap — and that cap is the real number you need to check. Here is how caps affect our reference spend:

• HSBC Cashback Credit Card on Swiggy: 10% × ₹3,000 = ₹300/month uncapped, but cap is ₹1,000/month → you only get ₹222/month
• HSBC Cashback Credit Card on Zomato: 10% × ₹2,500 = ₹250/month uncapped, but cap is ₹1,000/month → you only get ₹185/month
• Airtel Axis Bank Credit Card on Swiggy: 10% × ₹3,000 = ₹300/month uncapped, but cap is ₹500/month combined → you only get ₹273/month
• Airtel Axis Bank Credit Card on Zomato: 10% × ₹2,500 = ₹250/month uncapped, but cap is ₹500/month combined → you only get ₹227/month
• Standard Chartered DigiSmart Credit Card on Swiggy: 10% × ₹3,000 = ₹300/month uncapped, but cap is ₹200/month → you only get ₹200/month
• Standard Chartered DigiSmart Credit Card on Zomato: 10% × ₹2,500 = ₹250/month uncapped, but cap is ₹200/month → you only get ₹200/month

The practical lesson: a 5% uncapped card often beats a 10% card with a ₹500/month cap the moment you spend more than ₹10,000/month on that platform.

Everything below is rule-based and tied to issuer wording — not a vibes-based listicle.

• Data source: Reward lines from issuer-published documents. Benefit text can change mid-year — if a perk is absent from what we cite, we skip that card rather than guessing.
• Platform matching: We match benefits only when the platform name or a plain synonym appears. Generic "online" lines are fallback only.
• Combined caps: When a single benefit line mentions two platforms with "combined" cap language, we split the cap by the spend amounts used in this ranking.
• Points conversion: Points use point_value_inr from the card record; if missing we assume ₹0.25 per point (conservative).
• No welcome bonuses: Joining gifts, milestone rewards, and limited-time offers are excluded.
• Annual fee waiver: We apply waiver logic using annual platform spend only. If you spend more outside these platforms, more cards may effectively be free.
• Not financial advice: Read the issuer's MITC before applying.

If Amazon/Flipkart/Swiggy/Zomato totals look nothing like our ₹13,500/month quartet, rerun the maths in seconds with the Rewards Calculator.

Use CardCheck's free Quiz to find the right card for you in about one minute.