Best Credit Cards for Online Shopping

Shopping on apps and websites. Some cards pay more on any online spend, others only at named stores. Ranked by what each card pays back on ₹5,000 a month, never by what a bank pays us.

10Cards ranked
10%Top rate

1
HSBC Live Plus Credit Card
10% on online shopping at Apparel, department stores and other shopping MCCs, excludes Amazon, Flipkart and Myntra, up to ₹1,200 a month
On ₹5,000 a month
₹500 back
A year
₹6,000
Annual fee
₹1,179 incl. GST
Apply Worth it for me?
2
Axis Bank Burgundy Private Credit Card
6% on online shopping (the card's base rate)
On ₹5,000 a month
₹300 back
A year
₹3,600
Annual fee
₹1,18,000 incl. GST
Apply Worth it for me?
3
BOBCARD Cashback Credit Card
5% on online shopping, up to ₹1,500 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹589 incl. GST
Apply Worth it for me?
4
CRED IndusInd Bank RuPay Credit Card
5% on online shopping, up to ₹5,000 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹589 incl. GST
Apply Worth it for me?
5
SBI Cashback Credit Card
5% on online shopping, up to ₹2,000 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹1,179 incl. GST
Apply Worth it for me?
6
Axis Bank Cashback Credit Card
5% on online shopping, up to ₹4,000 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹1,180 incl. GST
Apply Worth it for me?
7
PhonePe SBI Card SELECT BLACK
5% on online shopping, up to ₹1,000 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹1,769 incl. GST
Apply Worth it for me?
8
Axis Bank Primus Credit Card
5% on online shopping (the card's base rate)
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹3,54,000 incl. GST
Apply Worth it for me?
9
Axis Bank Atlas Credit Card
4% on online shopping (the card's base rate)
On ₹5,000 a month
₹200 back
A year
₹2,400
Annual fee
₹5,900 incl. GST
Apply Worth it for me?
10
Axis Bank Olympus Credit Card
4% on online shopping (the card's base rate)
On ₹5,000 a month
₹200 back
A year
₹2,400
Annual fee
₹23,600 incl. GST
Apply Worth it for me?

Not ranked, because their terms state no rate on online shopping: AU Zaggle Credit Card, DCB Novio Credit Card, Equitas Bank PowerMiles Credit Card, Equitas Bank Selfe Credit Card, Equitas Bank Tiga Credit Card, HDFC BizBlack Credit Card, HDFC BizFirst Credit Card, HDFC BizGrow Credit Card, HDFC BizPower Credit Card, IOB ZET Credit Card, Kredit.Pe Yes Bank LTF UPI Credit Card, LIC Axis Bank Platinum Credit Card and 1 more. 1 more cards earn nothing here.

Worked out from each card's published reward rate and monthly cap. Your spending elsewhere and the fee also matter: use Is this card worth its fee? for your own numbers.

Common Questions

Which is the best credit card for online shopping?

On our data, HSBC Live Plus Credit Card pays the most: 10% at Apparel, department stores and other shopping MCCs, excludes Amazon, Flipkart and Myntra, about ₹6,000 a year on ₹5,000 a month. The best card for you also depends on your other spending and the fee.

How are these cards ranked?

By what each card pays back on ₹5,000 a month in this category or at this brand, from the bank's published rate and monthly cap. A rate the bank limits to named merchants or its own portal is shown as a note, not ranked, on a category page. A card whose terms state no rate here is not ranked at all. Cards that pay the same are ordered by the lower annual fee. What a bank pays SkyloFin is never part of the ranking.

Are the rates guaranteed?

No. Banks change rates and caps; each card's page shows its recent changes and its source. Check the bank's terms before you apply.

Best Cards for Other Spends

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides

Best Credit Cards for Online Shopping

Common Questions

Best Cards for Other Spends

Guides in Plain Words

Your Money. One Clear View.