Compare credit cards for online shopping, Amazon, Flipkart, Myntra and everyday retail spending. Focus on the value you can actually use after annual fees, cashback caps, reward rules and merchant exclusions.
Product details on this page were checked against issuer information available in October 2026. Card terms and promotional offers can change, so verify current terms with the issuer before applying.
These cards illustrate different ways shopping benefits can work: broad online cashback, ecommerce-specific cashback, merchant reward points and multi-brand rewards. The order below is not an approval ranking and does not mean every card will suit every user.
| Card | Best suited for | Annual fee | Shopping proposition |
|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | Amazon shoppers | ₹0 joining fee and ₹0 annual fee | Prime members can earn 5% back on eligible Amazon purchases, while non-Prime members can earn 3%. Eligible Amazon Pay partner spending can earn 2%, with 1% on many other eligible purchases. |
| CASHBACK SBI Card | Broad online shopping | ₹999 annual fee plus applicable taxes | 5% cashback on eligible online spending and 1% on eligible offline spending. The current cashback cap is ₹2,000 for online and ₹2,000 for offline spending per statement cycle. |
| Flipkart Axis Bank Credit Card | Flipkart and Myntra spending | ₹500 annual fee from the second year | Current issuer terms include 7.5% cashback on eligible Myntra spending and 5% cashback on eligible Flipkart and Cleartrip spending, with quarterly caps applying to these categories. |
| HDFC Bank Millennia Credit Card | Multi-brand online spending | ₹1,000 joining/renewal fee plus applicable taxes | 5% CashPoints on selected online merchants such as Amazon, Flipkart, Myntra, Swiggy and Zomato, with 1% CashPoints on many other eligible spends. |
| SimplyCLICK SBI Card | Online reward points | ₹499 annual fee plus applicable taxes | 10X reward points on eligible online spending with participating partners and 5X reward points on other eligible online spending. |
₹0 joining fee and ₹0 annual fee
Prime members can earn 5% back on eligible Amazon purchases, while non-Prime members can earn 3%. Eligible Amazon Pay partner spending can earn 2%, with 1% on many other eligible purchases.
₹999 annual fee plus applicable taxes
5% cashback on eligible online spending and 1% on eligible offline spending. The current cashback cap is ₹2,000 for online and ₹2,000 for offline spending per statement cycle.
₹500 annual fee from the second year
Current issuer terms include 7.5% cashback on eligible Myntra spending and 5% cashback on eligible Flipkart and Cleartrip spending, with quarterly caps applying to these categories.
₹1,000 joining/renewal fee plus applicable taxes
5% CashPoints on selected online merchants such as Amazon, Flipkart, Myntra, Swiggy and Zomato, with 1% CashPoints on many other eligible spends.
₹499 annual fee plus applicable taxes
10X reward points on eligible online spending with participating partners and 5X reward points on other eligible online spending.
Online-first cards usually concentrate their strongest benefits on ecommerce transactions. They can suit users who spread purchases across several websites or repeatedly shop with a particular platform.
Some cards also earn a base reward or cashback rate at physical stores. This can matter if your spending is split between ecommerce, supermarkets, malls and local retailers.
A headline cashback percentage is useful only when you understand the spending amount it applies to. Estimate the value using your normal monthly spending rather than an idealised maximum.
Potential gross cashback: ₹500
This assumes the full ₹10,000 qualifies and that you have not already reached the card's cashback cap.
₹999 fee requires more than ₹999 of usable value
Cashback, vouchers or rewards should comfortably exceed the fee based on purchases you would make anyway.
Convert cashback or reward points into a realistic rupee value after caps and exclusions.
A broad online-shopping benefit can be more flexible than a card tied to one retailer.
Compare joining and renewal fees with the value you expect to receive from normal spending.
A strong percentage can become less valuable when the monthly or quarterly cap is low.
Check whether points convert easily to statement credit, vouchers, travel or other useful benefits.
A spend-based fee waiver is useful only if you would naturally reach the threshold.
Co-branded cards can be compelling when a large share of your shopping already happens with one retailer. They can be less useful when your spending moves between many websites. A broader online cashback card can offer more flexibility, while a reward-points card may suit users who are comfortable managing redemption programmes.
The practical question is not which card advertises the largest percentage. It is which card produces the strongest net value for your actual merchant mix, normal monthly spend, annual fee and repayment behaviour.
We look at available issuer information such as annual fees, cashback or reward structures, merchant-specific benefits, caps, exclusions and fee-waiver conditions. We also distinguish between ongoing card features and temporary promotional offers.
A card being included on this page does not mean it is objectively the best card or that you will be approved. Upgrade.Lifestyle does not make underwriting decisions. Final eligibility, approval, pricing and credit limits are determined by the issuing bank.
There is no single best card for every shopper. A broad online-cashback card may work better for someone who shops across many websites, while a co-branded card may be stronger for a user who spends heavily on one platform such as Amazon or Flipkart.
Amazon-focused shoppers may find a co-branded Amazon card useful, but the right choice depends on Prime status, spending level, fees, reward exclusions and whether you also need strong benefits outside Amazon.
Cards with merchant-specific cashback can provide stronger value on Flipkart or Myntra, but quarterly caps, annual fees and other spending categories should be compared before deciding.
Not necessarily. Cashback is easy to understand, but reward points can be valuable when the earning rate and redemption value are strong. Compare the rupee value you can realistically receive after caps, exclusions and fees.
Some do. Many shopping cards provide a lower base cashback or reward rate on offline retail transactions, while others focus mainly on ecommerce or selected merchants.
Yes, if the benefits you would naturally earn from your normal spending exceed the fee. A card should not encourage extra spending simply to recover its annual fee or reach a reward milestone.
Tell Upgrade.Lifestyle about your profile and spending preferences. Our comparison experience uses available product criteria to show cards that may be relevant to you.
Compare credit cards →Upgrade.Lifestyle provides financial-product discovery and comparison information only. Card inclusion, category labels and matching do not constitute financial advice, approval or a guarantee of eligibility. Fees, rewards, merchant offers, caps and eligibility criteria may change. Always verify current information with the issuing bank before applying.