Best Credit Cards for Online Shopping in India (2026)

If most of your spending is on Amazon, Flipkart, Myntra and food delivery, these cards return the most on e-commerce and online partners.

Our top pick for this is Amazon Pay ICICI — India's most popular lifetime-free card. Zero fees forever and strong cashback — especially for Amazon and Prime users — make it the easiest first card and an everyday default for online spenders.

#NameScoreJoining FeeAnnual FeeFee WaiverTop Reward
1Amazon Pay ICICITop pick9.3/10₹0₹0 (LTF)Lifetime free5% on Amazon (Prime)
3HDFC Millennia8.8/10₹1,000₹1,000₹1L/yr spend5% on partners; 1%
4SBI SimplyCLICK8.5/10₹499₹499₹1L/yr spend10x on online partners
5Flipkart Axis8.4/10₹500₹500₹3.5L/yr spend5% Flipkart; 4% partners
10Tata Neu Infinity HDFC7.7/10₹1,499₹1,499—Up to 5% NeuCoins + UPI

Best overall

1

Amazon Pay ICICI

India's most popular lifetime-free card. Zero fees forever and strong cashback — especially for Amazon and Prime users — make it the easiest first card and an everyday default for online spenders.

9.3
/ 10
Joining Fee
₹0
Annual Fee
₹0 (LTF)
Fee Waiver
Lifetime free
Top Reward
5% on Amazon (Prime)
  • Truly lifetime-free
  • 5% back for Amazon Prime users
  • Easy approval, great first card
  • Best value only inside Amazon
  • No lounge access
  • Cashback as Amazon Pay balance
View details Official site
3

HDFC Millennia

A popular cashback card for multi-platform online shoppers, returning 5% on a wide set of partners (Amazon, Flipkart, Myntra, Swiggy and more) and 1% on everything else.

8.8
/ 10
Joining Fee
₹1,000
Annual Fee
₹1,000
Fee Waiver
₹1L/yr spend
Top Reward
5% on partners; 1%
  • 5% across many online partners
  • Wide acceptance & HDFC offers
  • Lounge access vouchers
  • Monthly cashback caps
  • ₹1,000 fee unless ₹1L spend
  • 1% base rate is modest
View details Official site
4

SBI SimplyCLICK

A low-fee online-shopping card built for beginners, with 10x reward points on online partners and a welcome Amazon voucher that effectively offsets the first-year fee.

8.5
/ 10
Joining Fee
₹499
Annual Fee
₹499
Fee Waiver
₹1L/yr spend
Top Reward
10x on online partners
  • 10x points on online partners
  • Welcome Amazon gift voucher
  • Easy approval
  • Points, not direct cashback
  • Lower rate offline
  • Fee unless ₹1L spend
View details Official site
5

Flipkart Axis

The go-to card for Flipkart and Myntra regulars: 5% unlimited cashback on Flipkart, 4% on preferred partners and 1.5% everywhere else, on a low annual fee.

8.4
/ 10
Joining Fee
₹500
Annual Fee
₹500
Fee Waiver
₹3.5L/yr spend
Top Reward
5% Flipkart; 4% partners
  • 5% unlimited on Flipkart
  • 4% on Swiggy, PVR, cult.fit, etc.
  • 1.5% everywhere else
  • High waiver threshold
  • Best only for Flipkart users
  • No lounge on base card
View details Official site
10

Tata Neu Infinity HDFC

A rewards card for the Tata ecosystem (BigBasket, Croma, Tata 1mg, Air India and more), earning high NeuCoins plus rewards on UPI spends via the Tata Neu app.

7.7
/ 10
Joining Fee
₹1,499
Annual Fee
₹1,499
Fee Waiver
—
Top Reward
Up to 5% NeuCoins + UPI
  • Up to 5% NeuCoins in Tata ecosystem
  • Rewards on UPI (RuPay) spends
  • Lounge access
  • NeuCoins useful mainly within Tata
  • ₹1,499 fee, no easy waiver
  • Lower value outside ecosystem
View details Official site

Other card picks by need

Best Cashback Credit CardsBest Travel Credit CardsBest Fuel Credit CardsBest Lifetime-Free Credit Cards (No Annual Fee)Best Premium Rewards Credit CardsBest Credit Cards for Beginners (First Card) All 10 cards →

Fees and rewards indicative as of June 2026 and change often — confirm on the bank's site before applying. A credit card is borrowing; pay in full to avoid interest. Information only, not financial advice.