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Category: Shopping Credit Cards
Best Shopping Credit Cards
Maximize rewards on Amazon, Flipkart, and more
10 cards found • Updated May 2026
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Top 5 Best Shopping Credit Cards — Quick Comparison
Side-by-side comparison of the top-rated cards in this category
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Compare Cards (10 found)
ICICI Bank
Amazon Pay ICICI Credit Card
Reviewed by InvestingPro Credit Team
Lifetime free — zero annual fee forever
Highest Amazon cashback of any card
No reward point conversion hassle — direct cashback
Cashback only as Amazon Pay balance, not bank credit
No airport lounge access
Pro
Lifetime free — zero annual fee forever
Pro
Highest Amazon cashback of any card
Pro
No reward point conversion hassle — direct cashback
Our Take
India's most popular co-branded credit card offering 5% unlimited cashback on Amazon.in, 2% on Amazon Pay partners, and 1% on all other spends — with zero annual fee for life.
Axis Bank
Axis Bank Flipkart Credit Card
Reviewed by InvestingPro Credit Team
Lifetime free — zero annual or joining fee
5% unlimited cashback on Flipkart ecosystem
4% on popular daily-use apps
Cashback in SuperCoins, not direct cash
No airport lounge access
Pro
Lifetime free — zero annual or joining fee
Pro
5% unlimited cashback on Flipkart ecosystem
Pro
4% on popular daily-use apps
Our Take
Earn 5% unlimited cashback on Flipkart and Myntra, 4% on select partners, and 1.5% on all other spends. Lifetime free. Best card for frequent Flipkart shoppers.
HDFC Bank
HDFC Swiggy Credit Card
Reviewed by InvestingPro Credit Team
Best card for regular Swiggy users — 10% back
Lifetime free — zero annual fee
5% on all online spends is very competitive
Cashback limited to Swiggy wallet, not bank credit
No airport lounge access
Pro
Best card for regular Swiggy users — 10% back
Pro
Lifetime free — zero annual fee
Pro
5% on all online spends is very competitive
Our Take
The HDFC Swiggy card offers 10% cashback on Swiggy orders, 5% on online dining platforms, and 1% on all other spends. Lifetime free with no annual fee — perfect for food lovers who order frequently.
Our Take
HDFC Bank Swiggy Credit Card from HDFC Bank. Affiliate-tracked via Cuelinks (channel 282651). Lead payout Per Lead ₹1829.25.
Our Take
SBI Sprint Simply Click Credit Card from SBI Card. Affiliate-tracked via Cuelinks (channel 282651). Lead payout Per Lead ₹1890.
Our Take
SBI Flipkart Credit Card from SBI Card. Affiliate-tracked via Cuelinks (channel 282651). Lead payout Per Lead ₹1890.
Best Shopping Credit Cards in India
Why Get a Shopping Credit Card?
India's e-commerce market has exploded, and if you regularly shop on Amazon, Flipkart, Myntra, Nykaa, or Swiggy, a shopping credit card can save you ₹5,000-₹20,000 annually. Co-branded cards with specific retailers offer 3-5% cashback on that platform, while versatile shopping cards offer 2-3% on all online purchases.
Co-Branded vs General Shopping Cards
Co-branded cards (like Amazon Pay ICICI, Flipkart Axis Bank, Myntra Kotak) are designed around a single retailer — offering 3-5% rewards on that specific platform. General shopping cards (like SBI SimplyCLICK, HDFC Millennia) offer 2-3% rewards across all online merchants. If 60%+ of your shopping is on one platform, go co-branded. Otherwise, choose a general shopping card.
Online vs Offline Shopping Rewards
Most shopping cards differentiate between online and offline (POS) transactions. Online purchases typically earn 2-5x more rewards than in-store swipes. If you shop primarily in physical stores, look for cards that offer equal or near-equal offline rewards — cards like HDFC Millennia offer 1% cashback on offline spends alongside 2.5% on online.
Making the Most of Sale Seasons
Combine your shopping card with sale events for maximum savings:
- Amazon Great Indian Festival + Amazon Pay ICICI — 5% cashback plus sale discounts can deliver 30-50% effective savings.
- Flipkart Big Billion Days + Flipkart Axis — additional cashback on already-discounted products.
- No-Cost EMI — many shopping cards offer zero-cost EMI on partner platforms, letting you spread payments without extra cost.
- Bank-specific offers — during sales, banks offer additional 10% instant discount (capped at ₹1,500-₹3,000) on their cards.
Hidden Benefits of Shopping Cards
- Purchase protection insurance — covers items against damage or theft for 90 days after purchase.
- Extended warranty — doubles manufacturer warranty on electronics (check card terms for eligible categories).
- Price protection — some cards refund the difference if the price drops within 30 days of purchase.
- Easy EMI conversion — convert any purchase above ₹2,500 to 3-18 month EMI at competitive interest rates.
Frequently Asked Questions
Which credit card gives the best cashback on Amazon?
Amazon Pay ICICI offers 5% cashback for Prime members (3% for non-Prime) on Amazon purchases. It is Lifetime Free with no annual fee. This is the single best card for Amazon shopping in India.
What is the best credit card for Flipkart shopping?
Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart, Myntra, and Cleartrip purchases. It has no annual fee (Lifetime Free) and also offers 4% cashback on preferred partners and 1.5% on other spends.
Can I get no-cost EMI on credit cards?
Yes, most shopping credit cards support no-cost EMI on partner platforms (Amazon, Flipkart, etc.) for purchases above ₹3,000-₹5,000. The interest is usually borne by the merchant. Check your card's EMI eligibility on each platform before purchasing.
Do shopping card rewards work on all websites?
General online shopping cards (SBI SimplyCLICK, HDFC Millennia) give rewards on all online transactions. Co-branded cards give maximum rewards only on their specific platform and lower rates elsewhere. For diversified online shopping, choose a general card.
Are shopping credit cards worth it if I mostly shop offline?
If you primarily shop at physical stores, a general rewards or cashback card may be better. However, HDFC Millennia (1% offline cashback) and some co-branded cards also offer offline benefits. Consider switching more purchases online to maximize shopping card value.
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Categories
Best Cashback Credit Cards
Earn 1-5% cashback on every purchase with top-rated cashback cards in India.
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Best Shopping Credit Cards
Maximise savings on online and offline shopping with instant discounts and offers.
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Best Rewards Credit Cards
Earn valuable reward points on every purchase and redeem for flights, shopping, and more.
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Best Lifetime Free Credit Cards
Zero annual fee cards with no hidden charges — great value for all spending levels.
ViewSalary Brackets
Cards for Salary ₹25K - ₹40K
Mid-range cards with cashback, rewards, fuel surcharge waivers, and more.
ViewSalary Brackets
Cards for Salary ₹40K - ₹60K
Mid-premium cards with lounge access, travel benefits, and high cashback.
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