Best Credit Cards for Online Shopping in India 2026

Online shopping in India is bigger than ever. With Amazon Great Indian Festival, Flipkart Big Billion Days, and Myntra End of Reason Sales happening year-round, the right credit card can save you thousands.

Here are the best credit cards that maximize your savings on every online purchase.

1. ICICI Bank Amazon Pay Credit Card

If you buy from Amazon, this is the only card you need. It pays 5% cashback on Amazon.in for Prime members.

• Online Cashback: 5% on Amazon (Prime), 3% (non-Prime)
• Other Spends: 1% on all other online purchases
• Fee: Lifetime Free
• Why It Wins: The cashback is automatically credited to your statement—no redemption hassles

2. Flipkart Axis Bank Credit Card

For Flipkart and Myntra shoppers, this is the undisputed champion.

• Online Cashback: 5% on Flipkart and Myntra
• Food Delivery: 4% on Swiggy and Zomato
• Movies: 4% on PVR
• Other Spends: 1.5%
• Fee: Lifetime Free

3. SimplyCLICK SBI Card

SBI's online shopping card gives you 10x reward points on partner merchants.

• Online Rewards: 10x on Amazon, Flipkart, Swiggy, Yatra, and more
• Other Spends: 5x on all other online purchases
• Joining Fee: ₹499 + GST
• Why It Wins: The 10x acceleration on a wide network of merchants

4. HDFC Bank Millennia Credit Card

This card gives 5% cashback on Amazon, Flipkart, Swiggy, and Uber via SmartBuy.

• Online Cashback: 5% on SmartBuy merchants
• Other Spends: 2.5% cashback
• Joining Fee: ₹1,000 + GST
• Best For: HDFC bank customers who want straightforward cashback

5. Axis Bank ACE Credit Card

The ACE card gives 5% cashback on Google Pay, which covers hundreds of online merchants.

• Online Cashback: 5% on Google Pay transactions
• Food & Travel: 4% on Swiggy, Zomato, Ola
• Other Spends: 2%
• Joining Fee: ₹499 + GST

Strategy: Use Multiple Cards

The smartest online shoppers use multiple cards. Use your Amazon Pay ICICI card for Amazon purchases, Flipkart Axis for Flipkart, and SimplyCLICK SBI for other merchants. This way, you maximize cashback on every purchase without compromise.

Final Verdict

For Amazon shoppers, the ICICI Amazon Pay card is unbeatable. For Flipkart buyers, the Flipkart Axis Card is the obvious choice. And for everyone else, the SimplyCLICK SBI card offers the broadest coverage.