Top 7 Credit Cards for Online Shopping in India (2026)

Online shopping in India continues to grow at an incredible pace, and with it, the need for credit cards that genuinely offer value—whether through cashback, reward points, or low annual fees. As we step into 2026, a few cards still remain the top choices for frequent online shoppers. The HDFC Millennia, Flipkart Axis Bank Credit Card and SBI Cashback Card are consistently among the best, offering 5% or more cashback on major platforms such as Amazon, Flipkart, Swiggy and Myntra.

Your best pick, however, depends on where you shop the most. If you’re primarily an Amazon shopper, the Amazon Pay ICICI Card continues to be the most practical lifetime-free option. For Flipkart users, the Flipkart Axis Card still delivers unmatched value. And if you prefer flexibility across multiple online merchants, SBI SimplyCLICK is a solid choice with strong reward multipliers.

To help you compare and choose wisely, here are the Top 7 Credit Cards for Online Shopping in India (2026).

1. SBI Cashback Credit Card

Features & Benefits

• Flat 5% cashback on all online merchants
• 1% cashback on offline transactions
• No reward-system complexity — direct cashback
• Fuel surcharge waiver

Charges

• Joining Fee: ₹999
• Annual Fee: ₹999

Best For

Users who shop across all online platforms and want a simple, high-return cashback card.

2. Flipkart Axis Bank Credit Card

Features & Benefits

• 5% unlimited cashback on Flipkart and Myntra
• 4% cashback on partners (Swiggy, Uber, PVR)
• 1.5% cashback on all online spending
• Welcome bonus worth ₹500+
• Domestic airport lounge access

Charges

• Joining Fee: ₹500
• Annual Fee: ₹500 (waived on minimum spend)

Best For

Users who shop frequently on Flipkart, Myntra, Shopsy, lifestyle and fashion platforms.

3. Amazon Pay ICICI Credit Card

Features & Benefits

• Lifetime-free card
• 5% cashback for Prime members, 3% for non-Prime
• 2% cashback on Amazon Pay partners
• 1% cashback on all other spends
• Cashback auto-added to Amazon Pay wallet

Charges

• Joining Fee: ₹0
• Annual Fee: ₹0

Best For

Regular Amazon shoppers who prefer a no-cost, high-benefit credit card.

4. Axis Bank Cashback Credit Card

Features & Benefits

• 5% direct cashback on online transactions
• 1% cashback on offline purchases
• Best for high-volume online spending
• No reward point complexity

Charges

• Joining Fee: ₹500–₹1,000
• Annual Fee: ₹500–₹1,000 (waiver on milestones)

Best For

Users wanting a straightforward cashback card without confusing reward systems.

5. SBI Flipkart Credit Card

Features & Benefits

• 5% cashback on Flipkart, Myntra, Shopsy
• 4% on preferred partners like Cleartrip, Swiggy
• 1.5% cashback on other online spends
• Welcome benefit of ₹500 Flipkart voucher

Charges

• Joining Fee: ₹500
• Annual Fee: ₹500

Best For

Frequent Flipkart ecosystem users looking for max savings.

6. HDFC MoneyBack+ Credit Card

Features & Benefits

• 10X reward points on Amazon, Flipkart, BigBasket, Reliance Smart
• 2X reward points on other online spending
• Low-cost, beginner-friendly card
• Easy reward redemption

Charges

• Joining Fee: ₹500
• Annual Fee: ₹500

Best For

Beginner shoppers wanting a simple and affordable online shopping card.

7. HDFC Millennia Credit Card

Features & Benefits

• Up to 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber, etc.
• 1% cashback on all other spends
• Cashback given as CashPoints
• Domestic airport lounge access
• Contactless payment enabled

Charges

• Joining Fee: ₹1,000
• Annual Fee: ₹1,000 (waived on annual milestone spending)

Best For

Users who shop frequently across multiple online platforms and want strong cashback.

Conclusion

Choosing the right credit card for online shopping in 2026 depends entirely on your shopping habits.

• For Amazon: Amazon Pay ICICI Card
• For Flipkart/Myntra: Flipkart Axis Bank Card
• For all websites: SBI Cashback Card
• For all Types offers : Axis Cashback Card
• For beginners: MoneyBack+
• For all Types payments: HDFC Millennia Card

Right credit card = more savings + more benefits every month.

FAQs

Q1. Which is the best credit card for online shopping in India in 2026?

The SBI Cashback Credit Card and HDFC Millennia Credit Card are among the top options for 2026 due to their high online cashback and wide platform coverage.

Q2. Which credit card offers the highest cashback for Amazon shopping?

The Amazon Pay ICICI Credit Card offers up to 5% cashback for Prime users and is lifetime free, making it the best choice for Amazon shopping.

Q3. Which credit card is best for Flipkart and Myntra?

The Flipkart Axis Bank Credit Card provides 5% unlimited cashback on Flipkart and Myntra purchases, making it the most rewarding option.

Q4. Which credit card is best for overall online shopping across all platforms?

The SBI Cashback Credit Card offers flat 5% cashback on all online transactions, making it the best all-rounder.

Q5. Which is the best low-fee credit card for beginners?

The HDFC MoneyBack+ Credit Card is ideal for beginners due to its low annual fee and strong reward benefits for online shopping.

Q6. Are cashback credit cards better than reward points cards?

If you prefer straightforward savings, cashback cards are better. If you frequently redeem points for vouchers, reward-point cards like SimplyCLICK are ideal.