Online shopping is where cashback cards fight hardest, and where the fine print matters most: many high rates apply only on named sites or exclude the biggest ones. This list ranks cards on what they pay back on online shopping and names the sites where a rate is limited. Data as of October 2026.
The best online shopping credit cards, ranked
| # | Card | Back | Where it applies | Monthly cap | Annual fee |
|---|---|---|---|---|---|
| 1 |  HSBC Live Plus Credit Card | 10% | Apparel, department stores and other shopping MCCs, excludes Amazon, Flipkart and Myntra | ₹1,200 a month | ₹1,179 a year |
| 2 |  Axis Bank Burgundy Private Credit Card | 6% | All spends in this category | No stated cap | ₹1,18,000 a year |
| 3 |  BOBCARD Cashback Credit Card | 5% | All spends in this category | ₹1,500 a month | ₹589 a year |
| 4 |  CRED IndusInd Bank RuPay Credit Card | 5% | All spends in this category | ₹5,000 a month | ₹589 a year |
| 5 |  SBI Cashback Credit Card | 5% | All spends in this category | ₹2,000 a month | ₹1,179 a year |
| 6 |  Axis Bank Cashback Credit Card | 5% | All spends in this category | ₹4,000 a month | ₹1,180 a year |
| 7 |  PhonePe SBI Card SELECT BLACK | 5% | All spends in this category | ₹1,000 a month | ₹1,769 a year |
| 8 |  Axis Bank Primus Credit Card | 5% | All spends in this category | No stated cap | ₹3,54,000 a year |
How we ranked them: what each card pays back on ₹5,000 a month in that spend, from the bank’s published rate and monthly cap, with lower annual fees first when two cards pay the same. A rate the bank limits to named shops is shown with the shop names. What a bank pays SkyloFin is never part of the order. Rates and caps change, so check the card’s page and the bank’s terms before you apply.
What to check before you pick one
- Which sites count. Read the “Where it applies” column: some rates exclude Amazon, Flipkart or Myntra, which have their own co-branded cards.
- The monthly cap. A 5% card capped at ₹1,500 a month stops at ₹30,000 of spend; above that, a card with a higher cap pays more.
- Wallet loads, rent and fuel. Most cards pay nothing on these, even when paid online.
See every card, ranked
The full ranking: best credit cards for online shopping. By site: Flipkart, Myntra, Tata Neu.
Questions people ask
Which credit card is best for online shopping?
On our data, HSBC Live Plus Credit Card pays 10% (Apparel, department stores and other shopping MCCs, excludes Amazon, Flipkart and Myntra). For Amazon or Flipkart, their own co-branded cards often pay more on that site; see the site rankings above.
Do shopping cards pay on EMI purchases?
Often not, or at a lower rate. The card’s terms on its page say so.
Updated 20 Oct 2026.
