#1
American Express
American Express Platinum Card
★★★★★ 4.9
Annual fee
₹60,000
Joining fee
₹60,000
Reward
3%
Min income
₹5.0L/yr
Best for · E-commerce Heavy
Best Online Shopping Credit Cards in India (2026)
Amazon Pay ICICI, Axis Flipkart, HDFC Millennia, SBI Cashback — the cards that pay back 4-5% on your ₹15-30K/month online shopping habit.
If your online-shopping spend is concentrated on a single platform (Amazon, Flipkart, Myntra), the co-branded card is almost always the highest-cashback option. If you split across platforms, HDFC Millennia (5% cashback on top online sites) and SBI Cashback (5% on all online up to ₹5K/month cap) win on flexibility. Forex markup matters too if you shop on Amazon US or international Etsy.
What to look for
- Concentrated vs split online spend (drives co-branded vs unisex choice)
- Effective cashback rate after monthly caps
- Reward credit speed (statement credit > points-with-redemption-friction)
- Forex markup if you shop internationally
Top 8 cards for e-commerce heavy
Ranked by InvestingPro rating × eligibility fit for this persona. See our rating methodology.
#2
HDFC Bank
HDFC Infinia Credit Card
★★★★★ 4.9
Annual fee
₹12,500
Joining fee
₹12,500
Reward
5%
Min income
₹3.0L/yr
#3
ICICI Bank
ICICI Emeralde Credit Card
★★★★★ 4.8
Annual fee
₹12,499
Joining fee
₹12,499
Reward
4%
Min income
₹3.0L/yr
#4
Axis Bank
Axis Bank Magnus Credit Card
★★★★★ 4.8
Annual fee
₹12,500
Joining fee
₹12,500
Reward
5%
Min income
₹3.0L/yr
#5
HDFC Bank
HDFC Diners Club Black Credit Card
★★★★★ 4.8
Annual fee
₹10,000
Joining fee
₹10,000
Reward
5%
Min income
₹1.5L/yr
#6
Axis Bank
Axis Bank Atlas Credit Card
★★★★★ 4.7
Annual fee
₹5,000
Joining fee
₹5,000
Reward
5%
Min income
₹1.5L/yr
#7
#8
HDFC Bank
HDFC Regalia Gold Credit Card
★★★★★ 4.7
Annual fee
₹2,500
Joining fee
₹2,500
Reward
4%
Min income
₹1.2L/yr