Best Cards · Online Shopping

Best Credit Cards for Online Shopping in India (2026)

If most of your spending happens on Amazon, Flipkart and Myntra, an online-shopping card pays you back faster than any all-rounder. These cards deliver the highest returns on e-commerce — some flat across all sites, some supercharged for specific partners.

7 cards make the cut Top pick: HDFC Bank Infinia Metal
★ Our #1 pick for online shopping

HDFC Bank Infinia Metal

HDFC Bank · rated 4.8/5 — High spenders (₹10L+/year)

Read review → Compare top 3 →
#1
HDFC Bank Infinia Metal
super premium

HDFC Bank Infinia Metal

HDFC Bank · Visa

★★★★½ 4.8/5
Annual Fee ₹12,500
Joining Fee ₹12,500
Forex 2% (effective ~2.36%)

Rewards 3.3% base (5 reward points per ₹150 = 1 RP ≈ ₹1); 10X on SmartBuy portal

  • Best reward rate in India for an all-round card — 3.3% effective base
  • Reward points transfer to Air India, Singapore Airlines KrisFlyer, InterMiles, Marriott Bonvoy, Club Vistara (via SmartBuy)
  • Complimentary golf rounds at select courses
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#2
HDFC Diners Club Black
super premium

HDFC Diners Club Black

HDFC Bank · Diners Club

★★★★½ 4.6/5
Annual Fee ₹10,000
Joining Fee ₹10,000
Forex 2%

Rewards 3.3% base; 10X on SmartBuy; 5X on dining

  • Same 3.3% earn rate as Infinia at a lower annual fee
  • Annual memberships (Amazon Prime + Swiggy One + MMT Black + Times Prime) often worth more than the annual fee
  • Diners Club acceptance is improving but still lower than Visa/MC — have a backup card
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#3
Visa
mid range

SBI Card Cashback

SBI Card · Visa

★★★★½ 4.5/5
Annual Fee ₹999
Joining Fee ₹999
Forex 3.5%

Rewards 5% cashback on all online transactions; 1% on offline

  • Best flat-rate online cashback card in India — 5% with NO merchant restrictions
  • Cashback auto-credited to card statement — no redemption needed
  • No cap on 5% cashback per month
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#4
Amazon Pay ICICI Bank Credit Card
co brand

Amazon Pay ICICI Bank Credit Card

ICICI Bank · Visa

★★★★☆ 4.3/5
Annual Fee Free
Joining Fee Free
Forex 3.5%

Rewards 5% back on Amazon (Prime members); 3% on Amazon (non-Prime); 2% on partner merchants; 1% others

  • India's most popular lifetime-free card — over 5 million cardholders
  • Cashback credited as Amazon Pay balance (instant, no minimum)
  • No reward expiry
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#5
HDFC Bank Millennia
mid range

HDFC Bank Millennia

HDFC Bank · Visa

★★★★☆ 4.1/5
Annual Fee ₹1,000
Joining Fee ₹1,000
Forex 3.5%

Rewards 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow; 1% on other spends

  • Best entry-level card for online shopping
  • 5% cashback is paid as CashPoints, redeemable against statement balance
  • No minimum transaction for 5% cashback (unlike some cards)
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#6
SBI SimplyCLICK
entry level

SBI SimplyCLICK

SBI Card · Visa

★★★★☆ 4/5
Annual Fee ₹499
Joining Fee ₹499
Forex 3.5%

Rewards 10X RP on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds; 5X on all other online; 1X offline

  • Best entry-level online shopping card under ₹500
  • Very easy annual fee waiver at ₹1L spend
  • 10X on Amazon makes it a strong rival to Amazon Pay ICICI for Amazon spend
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#7
Standard Chartered Smart Credit Card
mid range

Standard Chartered Smart Credit Card

Standard Chartered India · Visa

★★★½☆ 3.6/5
Annual Fee ₹499
Joining Fee Free
Forex 3.5%

Rewards 2% cashback on all online spend; 1% on offline

  • Simple flat-rate cashback card with no category restrictions on online spend
  • Very easy annual fee waiver
  • Cashback credited to statement monthly
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