Shopping cards

Best Shopping Credit Cards in India

Compare shopping credit cards for Amazon, Flipkart, Myntra, online spends, reward caps, annual fees, and real monthly value.

Shortlist coverage8

5 issuers represented · best modeled value ₹13,338/yr

Merchant caps checked

Online value modeled

Fee and waiver math included

Top shortlist

Cards to compare first

Ranked from current card data, fee math, category fit, and modeled spend assumptions.

Axis · MasterCard

5% Unlimited Cashback on Flipkart (with conditions)

₹13,338estimated value/yr₹500annual fee42lounge rows

HDFC · MasterCard

New March 2026 Swiggy BLCK variant: 10% cashback on Swiggy, 5% on eligible online spends, and 1% on other eligible spends.

₹12,771estimated value/yr₹1,000annual fee

HDFC · MasterCard

Legacy Swiggy HDFC profile (10%/5%/1%) retained for existing holders; new acquisition stack is now split into Swiggy Ornge and Swiggy BLCK variants.

₹12,771estimated value/yr₹500annual fee

Axis · Visa

25% cashback on Airtel recharges/bills, 10% on utility bill payments and eligible food/grocery partners, plus 1% on other spends.

₹12,600estimated value/yr₹500annual fee11lounge rows

Amex · Amex

1,000 MR points on 4x₹1,500 transactions + 1,000 monthly milestone points at ₹20,000 spends.

₹12,012estimated value/yr₹4,500annual fee

High marketplace cashback can become ordinary once monthly caps, excluded merchants, and minimum transaction rules apply.

The strongest setup often combines one broad online card with bank-sale cards for specific Amazon, Flipkart, and Myntra discounts.

FAQ

Which credit card is best for online shopping?

Choose based on your main merchants, monthly online spend, cashback cap, annual fee, and whether rewards are statement credit or vouchers.

Do shopping cards work on every online transaction?

No. Rent, wallet loads, utilities, insurance, gift cards, and some merchant categories may be excluded.