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Best credit card for online shopping in India

Updated 30 September 2026

On online shopping, YES Bank ACE Credit Card on IGP gives 20% back; Flipkart Axis Bank Credit Card on Urban Ladder gives 10% back and Flipkart Wholesale HDFC Bank Credit Card gives 5% back, capped at Rs 2,000 per month shared with that card's other rewards. Rates differ by merchant inside this category, and the cap usually matters more than the rate, so check the merchant page before you pay.

Card offers

Showing the 19 highest value of 407 offers.

ICICI Amazon Pay Credit Card at TaxBuddy

ICICI Bank
20% backVerified
Cap
No cap we could read
Valid
Valid until 30 April 2027
Where
Online

Valid only for select ICICI Bank Net Banking Users who have received communication from ICICI Bank. Offer via ICICI Bank Credit/Debit Cards and Net Banking.

In the published termsFlat 20% off on all Tax related services (ITR Filing, Tax planning, Notice Management, GST, etc.). Offer validity: May 01,2025 to April 30, 2027, both days inclusive. Pay using ICICI Bank Credit, Debit Cards & Net Banking…

Published by ICICI Bank · Read on 19 Aug 2026 · Source ↗

YES Bank ACE Credit Card at IGP

YES Bank
20% backLikely
Cap
No cap we could read
Valid
Valid until 31 March 2027
In the published termsGet flat 20% off at IGP using YES BANK Credit cards

Published by YES Bank · Read on 31 Aug 2026 · Source ↗

Axis Freecharge Plus Credit Card at Tira

Axis Bank
up to 10% back, depending on what you buyLikely
Cap
Rs 1,000
Valid
No end date published
In the published terms10% off up to ₹1000 on Tira

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IndusInd Avios Visa Infinite Credit Card at Flipkart

IndusInd Bank
up to 10% back, depending on what you buyEstimate
Cap
Rs 2,000
Valid
No end date published
In the published termsGet 10% Instant Discount up to INR 2,000 on IndusInd Bank Credit Card Full Swipe & EMI transactions

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

HDFC BizGrow Credit Card at MakeMyTrip

HDFC Bank
5% backLikely
Cap
Rs 1,000 per month
Valid
No end date published
Where
Online

Capped at Rs.1,000 per month on SmartBuy

In the published terms5% Casback on Myntra, MakeMyTrip, Apple Imagine Tresor, on SmartBuy (capped at Rs.1,000 per month)

Published by HDFC Bank · Read on 10 Aug 2026 · Source ↗

Flipkart Wholesale HDFC Bank Credit Card

HDFC Bank
5% backEstimate
Cap
Rs 2,000 per month
Valid
No end date published
Where
Online
In the published terms5% CashBack on Flipkart Wholesale Online Spends, capped at ₹2,000 per month

Published by HDFC Bank · Read on 31 Aug 2026 · Source ↗

HDFC Millennia Credit Card at Amazon

HDFC Bank
5% backLikely
Cap
Rs 1,000 per month
Valid
No end date published

Shared cap of Rs 1,000 a calendar month across all ten 5% merchants. Non-EMI spends only.

In the published terms5% CashBack on leading brands, Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit

Published by HDFC Bank · Read on 10 Aug 2026 · Source ↗

SNAPDEAL BOBCARD Credit Card at Snapdeal

BOBCARD (Bank of Baroda)
5% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

Unlimited cashback on Snapdeal purchases. Check the cap in your bank app before relying on it…

In the published terms5% unlimited cashback (20 reward points per ₹100) for your purchases on the Snapdeal website & Mobile App

Published by BOBCARD (Bank of Baroda) · Read on 10 Aug 2026 · Source ↗

AU Altura Credit Card at Moglix

AU Small Finance Bank
Flat Rs 400 offLikely
Cap
No cap we could read
Minimum
Rs 8,000
Valid
Valid until 31 December 2026

Offer is applicable on a minimum spend of Rs 8000 Offer cannot be clubbed with any other offer Offer may not be applicable on few selected items Visa T&Cs: Offer details as…

In the published termsFlat Rs. 400 OFF, Flat Rs. 400 OFF | Min cart value Rs. 8,000 Redemption Process: Click here Add the product you would like to buy to the cart Use th…

Published by AU Small Finance Bank · Read on 31 Aug 2026 · Source ↗

Paytm SBI Card at Paytm

SBI Card
2% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online
In the published terms2% Cashback on all other purchases on Paytm App

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

SimplyCLICK Advantage SBI Card at Apollo 24x7

SBI Card
10 reward points per Rs 100Verified
Cap
No cap we could read
Valid
No end date published
Where
Online

No Reward Points on fuel. No Reward Points on rent. No Reward Points on government services. No Reward Points on wallet load. Not earned on cash advance, balance transfer, Encash, Flexipay, merchant EMI or digital gaming platforms.

In the published termsEarn 10X Reward Points on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq…

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

Utkarsh Wish Credit Card at PhonePe

Utkarsh Small Finance Bank
1% back in reward pointsVerified
Cap
200 points per month
Minimum
Rs 100
Valid
No end date published
Where
Online

UPI spends through PhonePe at Preferred Merchants only: Amazon, Flipkart, Myntra, Ajio, Nykaa, Swiggy, Zomato, District, Urban Company. Minimum transaction Rs 100. Capped at 200 reward points per statement month.

In the published terms1% reward points* on select online brands (Please refer MITC for details)

Published by Utkarsh Small Finance Bank · Read on 10 Aug 2026 · Source ↗

American Express Platinum Card at Shopwise

American Express
5 reward points per Rs 40Estimate
Cap
5 points
Valid
No end date published

On spends at participating merchants in gift voucher category

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsEarn up to 5X rewards on 200+ brands with Shopwise | Gift voucher category

Published by American Express · Read on 16 Aug 2026 · Source ↗

HSBC Taj Credit Card at Tata Cliq Luxury

HSBC
up to 20% back, depending on what you buyEstimate
Cap
Rs 15,000
Minimum
Rs 25,000
Valid
Valid until 31 December 2026

HSBC Taj Credit Card only.

In the published termsSave 20%, up to INR15,000, when you spend INR25,000 or more. Just use coupon code: HSBCTAJTCL

Published by HSBC · Read on 31 Aug 2026 · Source ↗

ICICI Adani One Platinum Credit Card at TaxBuddy

ICICI Bank
20% backVerified
Cap
No cap we could read
Valid
Valid until 30 April 2027
Where
Online

Valid only for select ICICI Bank Net Banking Users who have received communication from ICICI Bank. Offer via ICICI Bank Credit/Debit Cards and Net Banking.

In the published termsFlat 20% off on all Tax related services (ITR Filing, Tax planning, Notice Management, GST, etc.). Offer validity: May 01,2025 to April 30, 2027, both days inclusive. Pay using ICICI Bank Credit, Debit Cards & Net Banking…

Published by ICICI Bank · Read on 19 Aug 2026 · Source ↗

YES Bank ELITE+ Credit Card at IGP

YES Bank
20% backLikely
Cap
No cap we could read
Valid
Valid until 31 March 2027
In the published termsGet flat 20% off at IGP using YES BANK Credit cards

Published by YES Bank · Read on 31 Aug 2026 · Source ↗

Axis Vistara Credit Card at Tira

Axis Bank
up to 10% back, depending on what you buyLikely
Cap
Rs 1,000
Valid
No end date published
Where
Online

every Wednesday

In the published terms10% off upto Rs. 1000 on Tira

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IndusInd EazyDiner Credit Card at Flipkart

IndusInd Bank
up to 10% back, depending on what you buyEstimate
Cap
Rs 2,000
Valid
No end date published
In the published termsGet 10% Instant Discount up to INR 2,000 on IndusInd Bank Credit Card Full Swipe & EMI transactions

Published by IndusInd Bank · Read on 31 Aug 2026 · Source ↗

IDFC FIRST Hello Cashback Credit Card

IDFC FIRST Bank
5% backEstimate
Cap
Rs 1,000 per statement cycle
Valid
No end date published
Where
Online

Online spends done on essential categories and fuel will not count towards the ₹10,000 online spends milestone.

In the published terms5% Cashback on incremental online spends above ₹10,000

Published by IDFC FIRST Bank · Read on 10 Aug 2026 · Source ↗

Card offers, 6 of 10 from a card network

Showing the 10 highest value of 15 offers.

Some of these were read from a card network's listing and some from the shop's own page. The page we read is linked beside each one.

HSBC Taj Credit Card at Amazon

HSBC
up to 20% back, depending on what you buyVerified
Cap
Rs 3,000 per month
Minimum
Rs 10,000
Valid
Valid until 31 December 2026
Where
Online

Get 20% instant discount on HSBC Taj Credit Card on full payment transactions with minimum purchase of INR 10,000 from 15th August to 31st December 2026. Offer resets every month. Any cancelled, rejected or returned order(s) will not be eligible for the offer and the refund amount of such order will be adjusted with the instant discount amount.

The published terms for this offer run longer than we show here. Read them in full on the page linked below.

Schedule 1 clause 5 lists the eligible products as Mobiles, Appliances, TV, Electronics, Fashion and Media, while the table footnote lists Mobiles, Appliances, TV, Electronics, Media, Toys, Fashion, Home Kitchen and Furniture. The narrower list is the conservative reading.

In the published termsAll Categories*, Minimum Purchase value Rs. 10,000, Maximum Discount on Credit Card (Non-EMI) 20% up to Rs. 3,000.

Published by Amazon · Read on 5 Sep 2026 · Source ↗

IndusInd EazyDiner Platinum Credit Card at IGP

IndusInd Bank
20% backEstimate
Cap
No cap we could read
Minimum
Rs 1,299
Valid
Valid until 31 July 2027

RuPay network offer. 2. Offer cannot be clubbed with any other ongoing promotions.

In the published termsGet Flat 20% off on a minimum purchase of INR 1299

Published by RuPay · Read on 1 Sep 2026 · Source ↗

IndusInd EazyDiner Platinum Credit Card at Tata Cliq Luxury

IndusInd Bank
Flat Rs 1,250 offEstimate
Cap
No cap we could read
Valid
Valid until 31 July 2027

RuPay network offer. 13. Offer cannot be combined with any other offer/promotion.

In the published termsGet Flat Rs 1,250 off on MOV of 10,000

Published by RuPay · Read on 1 Sep 2026 · Source ↗

HDFC PIXEL Play Credit Card at Tata Cliq Fashion

HDFC Bank
12% backEstimate
Cap
No cap we could read
Minimum
Rs 3,000
Valid
Valid until 31 January 2027

Visa network offer.

In the published termsTata Cliq Fashion 12% Instant discount on MOV of Rs. 3,000

Published by Visa · Read on 1 Sep 2026 · Source ↗

HDFC PIXEL Play Credit Card at Pepperfry

HDFC Bank
up to 10% back, depending on what you buyEstimate
Cap
Rs 1,600
Valid
Valid until 31 December 2026

Visa network offer. This offer cannot be combined with: Any other bank offer. offer is not applicable.

In the published termsPepperfry Get 10% Instant Discount up to INR 1,600 on Your First Pepperfry Order

Published by Visa · Read on 1 Sep 2026 · Source ↗

HDFC PIXEL Play Credit Card at Urban Ladder

HDFC Bank
10% backEstimate
Cap
No cap we could read
Valid
Valid until 31 December 2026

Visa network offer. cannot be combined with other promotions. er value, exclusions, and payment meth.

In the published termsUrban Ladder Additional 10% OFF on orders above 5K

Published by Visa · Read on 1 Sep 2026 · Source ↗

Flipkart Axis Bank Credit Card at Flipkart

Axis Bank
up to 5% back, depending on what you buyVerified
Cap
Rs 4,000 per quarter
Minimum
Rs 100
Valid
No end date published
Where
Online

5% cashback on Flipkart* applicable only on Flipkart Axis Bank Credit Card. Get 5% cashback on eligible spends on Flipkart up to INR 4,000 in a statement quarter. Cashback will be credited to customer's credit card account under the cashback scheme. The offer is valid on website, m-site and mobile application of Flipkart. Maximum cashback which you can avail in a statement quarter is INR 4,000.

The published terms for this offer run longer than we show here. Read them in full on the page linked below.

No end date is published, so the offer is recorded as ongoing. The 5% rate is corroborated by the amounts Flipkart displays for this card across products read on 2026-09-05: INR 2,628 on a INR 52,560 phone (exactly 5%), INR 1,425 on the refrigerator after its INR 1,500 instant discount, and INR 4,000 on a INR 1,15,999 laptop, which is the quarterly ceiling rather than 5%. Flipkart serves each offer's terms in an in-page drawer with no address of its own, so there is no terms URL to record. The drawer text quoted in Condition was read on the product page named in Evidence.

In the published termsGet 5% cashback on eligible spends on Flipkart up to INR 4,000 in a statement quarter.

Published by Flipkart · Read on 5 Sep 2026 · Source ↗

Amazon Pay ICICI Bank Credit Card at Amazon Pay

ICICI Bank
2 reward points per Rs 100Verified
Cap
No cap we could read
Valid
No end date published
Where
Online

Purchases on Amazon Pay partner websites. ICICI's own FAQ states you must use the payment method Login and Pay with Amazon to earn this rate. Invite only programme. Indian citizen aged 21 or above with a monthly income of at least Rs 30,000. No joining fee and no annual fee.

Read on icicibank.com, the issuing bank's own domain. Amazon.in publishes no page for this card at all: /amazonpay redirects to an empty category page and every Amazon Pay service page (recharge, bills, flights, bus, FASTag) requires a sign-in, which was not done. ICICI states the same benefit two ways on one page: a table reading Earn Points on every Rs 100 spend, and prose reading unlimited reward points upto 5% on Amazon purchases and 1% on all other spends. Points per Rs 100 and percent therefore line up at 1 point = Rs 1, and points are paid out as Amazon Pay balance. Value records the points as the table prints them. ICICI states the rewards are Unlimited, so the cap records unlimited rather than unknown: this is a stated absence of a ceiling, not a missing figure. This is the entry that is genuinely an Amazon Pay offer rather than an Amazon.in shopping offer, because the FAQ ties it to paying through Login and Pay with Amazon. ICICI does not publish the list of the 100-plus partner merchants, so the entry cannot be narrowed to named sites. ICICI links a 29-page Terms and Conditions PDF, last updated 13 Jan 2026, which would carry any exclusions. The browser PDF viewer would not expose its text to search and only pages 1 and 3 could be read, both of which are definitions and card-use clauses with no reward figures. Treat exclusions as unchecked.

In the published termsEarn Points on every Rs 100 spend: 2 100+partner Merchants

Published by Amazon Pay · Read on 5 Sep 2026 · Source ↗

Yes Bank Credit Card at Amazon

Yes Bank
Flat Rs 750 offLikely
Cap
Rs 750
Minimum
Rs 9,990
Valid
No end date published
Where
Online

Offer is shown in the Bank Offer side sheet on the product detail page. How to avail offer: Select eligible card at the time of checkout. No promo code required to avail the offer. Amazon publishes no separate terms and conditions page for this offer, so no offer period, monthly cap or category exclusion list could be read on amazon.in.

No terms page is linked for this Yes Bank non-EMI offer on amazon.in, so offer period, cap period and what the cap is shared with could not be read. The Yes Bank terms page that is linked covers only the EMI offer.

In the published termsFlat Instant Discount up to INR 750 on Yes Bank Credit Card Non-EMI Trxn. Minimum purchase value INR 9990

Published by Amazon · Read on 5 Sep 2026 · Source ↗

HDFC PIXEL Play Credit Card at IGP

HDFC Bank
20% backEstimate
Cap
No cap we could read
Minimum
Rs 1,200
Valid
Valid until 31 March 2027

Visa network offer. offer is not applicable on Gold, Diamond, Electronic Items and Gift Vouchers.

In the published termsIGP Get 20% off at IGP

Published by Visa · Read on 1 Sep 2026 · Source ↗

Welcome offers

All 6 offers.

One-off benefits for a new card. Not an ongoing rate, so they are listed apart from the offers above.

Canara RuPay Select Credit Card at Snapdeal

Canara Bank
₹ 100 off on first two transactions (one-off, not an ongoing rate)Likely
Cap
Rs 200 lifetime
Valid
No end date published

First two transactions

In the published termsSnapdeal Offer, ₹ 100 off on first two transactions

Published by Canara Bank · Read on 10 Aug 2026 · Source ↗

Canara RuPay Select Secured Credit Card at Snapdeal

Canara Bank
Rs 100 one-off, not an ongoing rate (Snapdeal Offer)Likely
Cap
Rs 100
Valid
No end date published
Where
Online

₹ 100 off on first two transactions

In the published termsSnapdeal Offer, ₹ 100 off on first two transactions

Published by Canara Bank · Read on 10 Aug 2026 · Source ↗

Axis RuPay Credit Card at Amazon

Axis Bank
Amazon eVoucher worth ₹250 on first card transaction (one-off, not an ongoing rate)Likely
Cap
Rs 250 lifetime
Valid
No end date published

On first card transaction, not applicable for cards issued without Joining fee

In the published termsAmazon eVoucher worth ₹250 on first card transaction

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IDFC FIRST SWYP Credit Card at Mokobara

IDFC FIRST Bank
Flat 10% off on your first transaction on Mokobara.com (one-off, not an ongoing rate)Likely
Cap
No cap we could read
Valid
No end date published
Where
Online

within 90 days of joining fee payment

In the published termsFlat 10% off on your first transaction on Mokobara.com within 90 days

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

Flipkart Axis Bank Credit Card at Flipkart

Axis Bank
Flipkart voucher worth ₹250 (one-off, not an ongoing rate)Likely
Cap
No cap we could read
Valid
No end date published
Where
Online

on first transaction within 30 days of card issuance. Only paid cards with Joining Fee and Annual Fee eligible.

In the published termsFlipkart voucher worth ₹250 on making the first transaction within 30 days of card issuance

Published by Axis Bank · Read on 12 Aug 2026 · Source ↗

Flipkart Axis Bank Credit Card at Flipkart

Axis Bank
Flipkart voucher worth ₹250 on making the first transaction using your Flipkart Axis Bank Credit Card within 30 days of card issuance (one-off, not an ongoing rate)Likely
Cap
Rs 250 lifetime
Valid
No end date published
Where
Online

First transaction within 30 days of card issuance. Only paid cards with Joining Fee and Annual Fee are eligible; first-year free cards are not eligible…

In the published termsFlipkart voucher worth ₹250 on making the first transaction within 30 days of card issuance

Published by Axis Bank · Read on 12 Aug 2026 · Source ↗

Card privileges

All 6 offers.

Memberships and perks a card includes. Not a discount on this purchase.

SimplyCLICK Advantage SBI Card

SBI Card
E-Vouchers worth Rs. 2,000 each on reaching annual online spends of 2 LakhsEstimate
Cap
Rs 2,000 per year
Minimum
Rs 2,00,000
Valid
No end date published
Where
Online

on annual online spends of Rs. 2 Lakhs

In the published termsE-Vouchers worth Rs. 2,000 each on reaching annual online spends of 2 Lakhs

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

SimplyCLICK SBI Card

SBI Card
E-Vouchers worth Rs. 2,000 each on reaching annual online spends of 2 LakhsEstimate
Cap
No cap we could read
Minimum
Rs 2,00,000
Valid
No end date published
Where
Online

Brands: Cleartrip, Yatra

In the published termsE-Vouchers worth Rs. 2,000 each on reaching annual online spends of 2 Lakhs

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

RBL MoCash Credit Card

RBL Bank
Get INR 1,000 Shopping Voucher on Every INR 1 lakh Spent OnlineEstimate
Cap
Rs 5,000 per year
Minimum
Rs 1,00,000
Valid
No end date published
Where
Online

Maximum of 5 times in a year. Each voucher worth INR 1,000

In the published termsINR 1,000 Shopping Voucher on Every INR 1 lakh Spent Online, maximum of 5 Times in a Year

Published by RBL Bank · Read on 10 Aug 2026 · Source ↗

BOI Visa Platinum International Credit Card at Shoppers Stop

Bank of India
Discount at ecommerce and tap-to-pay merchantsEstimate
Cap
No cap we could read
Valid
No end date published

Page states "up to": this is a maximum, not a guaranteed rate.

In the published termsUp to 20% off at ecommerce and Tap-to-Pay at various merchants including Swiggy, Zepto, Max Fashion and Shoppers Stop

Published by Bank of India · Read on 27 Aug 2026 · Source ↗

BOI RuPay Bharat Credit Card at Flipkart

Bank of India
Flipkart discount vouchersVerified
Cap
No cap we could read
Valid
No end date published
In the published termsDiscount vouchers worth INR 250 per quarter redeemable at Flipkart

Published by Bank of India · Read on 27 Aug 2026 · Source ↗

BOI RuPay Star Lakshmi Credit Card at Flipkart

Bank of India
Myntra and Flipkart vouchers worth ₹250, once per quarterVerified
Cap
No cap we could read
Valid
No end date published

No spend condition is published on the card page.

In the published termsMyntra and Flipkart vouchers worth INR 250 once per quarter

Published by Bank of India · Read on 27 Aug 2026 · Source ↗

What makes online shopping different

Online shopping has generous caps by the standards of everyday categories, and the widest spread of any of them. The median published cap is Rs 2,000 against Rs 500 across every category we track, and the top quarter of these offers cap at Rs 11,000 or more. The catch is the entry price: 41% require a minimum order, and the median minimum is Rs 5,000.

The numbers behind online shopping

Computed from the 428 live offers that pay on online shopping, read from published terms as at 30 September 2026. Welcome offers and card privileges are listed separately below and are not in these figures.

MeasureValue
Offers tracked428
Share that publish a cap34%
Median published capRs 2,000
Most common cap periodOnce per card
Share with a minimum order41%
Median minimum orderRs 5,000
Channel, where stated237 online, 1 offline
Share stated rather than estimated91%

The mistake people make on online shopping

EMI is the most common condition in this category, named in 25 sets of terms. The largest headline discounts on electronics and appliances are usually EMI-only, and converting to EMI often removes the reward points on the same purchase. Read the EMI discount and the interest together, and ignore the points.

Also worth knowing

Almost nothing here works in a shop. Of the offers that state a channel, 237 are online and 1 offline.

Conditions worth knowing

  • Coupon code can be used only once per customer. Must choose membership pack of Mint + The Wall Street Journal and apply coupon at checkout. Payment must be made with Axis Bank credit or debit card.

    Axis Bank · Source ↗
  • Valid only for select ICICI Bank Net Banking Users who have received communication from ICICI Bank. Offer via ICICI Bank Credit/Debit Cards and Net Banking.

    ICICI Bank · Source ↗
  • Cap applies up to ₹11,000.

    Axis Bank · Source ↗
  • Capped at Rs.1,000 per month on SmartBuy

    HDFC Bank · Source ↗
  • Shared cap of Rs 1,000 a calendar month across all ten 5% merchants. Non-EMI spends only.

    HDFC Bank · Source ↗
  • Unlimited cashback on Snapdeal purchases. Check the cap in your bank app before relying on it…

    BOBCARD (Bank of Baroda) · Source ↗
  • Offer is applicable on a minimum spend of Rs 8000 Offer cannot be clubbed with any other offer Offer may not be applicable on few selected items Visa T&Cs: Offer details as…

    AU Small Finance Bank · Source ↗
  • No Reward Points on fuel. No Reward Points on rent. No Reward Points on government services. No Reward Points on wallet load. Not earned on cash advance, balance transfer, Encash, Flexipay, merchant EMI or digital gaming platforms.

    SBI Card · Source ↗

Figures on this page are computed from AskTula's offer database as read on 30 September 2026, and describe what issuers, merchants and card networks publish. They are not a promise of what any individual card will pay.

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