#1
Best for · Online (Split)
Best Credit Card for Online Shopping (Multi-Platform) in India (2026)
HDFC Millennia (5% on top 10 sites incl. Amazon + Flipkart + Myntra) and SBI Cashback (5% on all online up to ₹5K/mo) win for split online spend.
If your online shopping spans Amazon + Flipkart + Myntra + BookMyShow + others (not concentrated on one platform), unisex cards beat co-branded options. HDFC Millennia returns 5% capped at ₹1,000/mo on top-10 platforms. SBI Cashback returns 5% on all online up to ₹5K/mo total cap. For light shoppers, Axis ACE's 4% on Gpay billpay covers utility + online.
Typical spend in this category: ₹8,000–25,000/month
Why these specific cards
HDFC Millennia: 5% on top 10 online merchants (Amazon, Flipkart, Myntra, BookMyShow, Sony Liv, Tata CLiQ, Uber, Swiggy, Zomato, Cult.fit). Cap ₹1,000/mo. SBI Cashback: 5% on all online retail up to ₹5,000/mo cap. Axis ACE: 4% via Google Pay billpay routing.
Top 3 cards for online (split)
Curated picks based on category-specific reward rates and fit. See our rating methodology for how we evaluate.
#2
#3
What to evaluate before picking
- Multi-platform vs single-platform shopping pattern
- Monthly cap structure (₹1K HDFC, ₹5K SBI) vs typical spend
- Reward redemption speed (statement credit > points)