Discover the best credit card for shopping in India. Compare the top options for online shopping and find the best shopping credit card with great rewards.
Anjali Singh
Assistant Manager
We all love to spoil ourselves a little by buying things we like, and why not? You work hard and deserve it. But who wouldn’t like some reward on top of that? With the rise of online shopping, people do not have to go out to buy things anymore. As a result, people have been buying things more often, and getting rewards on those purchases seems more than bliss.
But how are we supposed to get those rewards? Rewards on UPI have gotten useless over the years, and debit cards aren’t all that worth it. This is where a credit card comes into play. Credit cards not only let you spend money by borrowing it, but they also give you rewards every time you make a transaction with that card. But finding the best credit card for shopping can be a herculean task, which is why, in this article, we’ll dive deep into the best shopping credit card in India and help you make an informed choice.
But first, we need to figure out what factors you should consider when choosing the best credit card for shopping, and there are a few to say the least.
These are some factors you need to consider when choosing the best credit card for online shopping in 2026. But based on these factors alone, it’s impossible to choose from the ocean of credit cards, even when every salesman out there is trying to get you to use their credit card. Which is why we have picked a few options, one of which might be the best credit card for shopping.
There are five credit cards that suit the criteria mentioned above the best. These are the best shopping credit cards in India and have rightfully earned a place in this list.
So, which one of these cards is the best credit card for shopping in India? Hard to tell, here’s a side-by-side comparison so you can make a better choice:
|
Credit Card |
Online Rewards |
Base Rewards |
Annual Fee & Waiver |
Welcome Benefit |
Eligibility |
|
HDFC Millennia |
5% Cashback on Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, BookMyShow, Cult.fit |
1% Cashback on other spends |
₹1,000 (waived if ₹1 L spent in a year) |
— |
Age 21–40; salaried ₹35K+/mo or self-emp ITR ≥₹6 L |
|
SBI SimplyCLICK |
10x Pts on Amazon, Myntra, Cleartrip, BookMyShow, Yatra, Dominos, Netmeds; 5x on other online |
1X on offline & non-partner online spends* |
₹499 (waived if ₹1 L spent in a year) |
₹500 Amazon voucher on fee payment |
Indian resident, age 21+, meets SBI income docs |
|
ICICI Amazon Pay |
5% (on Amazon for Prime), 3% (non-Prime) |
1% on other expenses |
₹0 |
Indian resident, standard ICICI CC criteria |
|
|
Axis Flipkart |
5% on Flipkart & Cleartrip; 4% on Preferred Merchants |
1% on all other spends |
₹500 (waived if ₹3.5 L spent in a year) |
₹500 Flipkart voucher + 50% off (₹100) on Swiggy |
Age 18–70; resident; income & address proofs |
|
Kotak Myntra |
7.5% instant discount on Myntra (max ₹750) |
1.25% on other expenses |
₹500 (waived if ₹2 L spent in anniversary year) |
₹500 Myntra voucher on activation |
Age 18+; resident; income proof per Kotak rules |
Think about your buying patterns, charge tolerance, and partner allegiance when deciding between HDFC Millennia, SBI SimplyCLICK, and the ICICI Amazon Pay Credit Card.
Though its ₹1,000 annual fee (waived at ₹1,000+) suits only high-volume users, HDFC Millennia rewards heavy online spenders with 5% cashback on major e-commerce sites, 1% everywhere else, quarterly milestones (₹1 L spend = ₹1,000 vouchers or lounge access), a fuel surcharge waiver, and Smart EMI.
Beginning with 10X points on partners, 5x on other online, 1x offline, a ₹499 fee offset by a ₹500 Amazon voucher, SBI SimplyCLICK is perfect for novices. Fee waiver at ₹1 L annual spend.
For Amazon loyalists—no fees ever, 5% back for Prime (3% non-Prime), 1% elsewhere, plus no-cost EMIS—ICICI Amazon Pay is ideal.
If you are looking for the best credit card for shopping and are a high-volume, multi-platform buyer, consider HDFC Millennia or SBI. If you live on Amazon and never want to pay an annual fee, the ICICI Amazon Pay Card is for you; if you are starting off and want quick points. Thank you for rewarding and happy shopping.
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Also Read:
- Best Credit Cards for Movie Tickets in India 2026
- Best Credit Cards for Airport Lounge Access in India 2026
Ans: Maintaining a minimum credit score of 700 can help one get better credit card offers, including faster approvals, lower interest rates, and more credit limits.
Ans: All credit cards mentioned in the list are good for shopping; the rest of it boils down to your wants and needs.
Ans: Review the Axis Bank Ace Credit Card, YES Bank Paisabazaar PaisaSave Credit Card, and HSBC Live+ Credit Card for the best credit card for offline Indian shopping. These cards give pleasing cashback for both physical and online purchases.
Ans: Many RuPay credit cards include lifetime free privileges, hence there is no annual or joining fee. Among the often-used choices are the Axis Five RuPay credit card, IDFC FIRST Power RuPay Credit Card, HDFC Freedom RuPay Credit Card, and Kotak UPI RuPay credit card.
Ans: A few Indian credit cards have no annual fees at all. Among the options are the RBL Bank Bankbazaar SaveMax Credit Card, Amazon Pay ICICI Credit Card, HSBC Visa Platinum Credit Card, and ICICI Bank Platinum Chip Credit Card. Additionally, the IDFC First Select Credit Card.
Assistant Manager
Hey there, I'm Anjali Singh. With over 6 years of experience in finance, I specialize in creating content on banking, loans, and financial planning. My goal is to simplify complex financial topics and help readers make informed decisions through my articles.
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