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Best credit cards for online shopping (2026)

Online shopping cards differ mainly in where they pay the top rate (any website, or only Amazon or Flipkart) and how low the monthly cap is. Here's what each one returns, site by site.

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The top picks

SBI Card Cashback

5% cashback on all online spends (capped ₹2,000/month)

Any website: 5% Online spends (any merchant) · capped at ₹2,000 a statement
Annual fee: ₹999 a year (waived on ₹200,000 spend a year)

ICICI Bank Amazon Pay

5% on Amazon for Prime members; 2% at Amazon Pay partners; lifetime free

Amazon: 5% Amazon.in — Prime members
Other websites: 1% base rate
Annual fee: No annual fee

Axis Bank Flipkart

7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy, Uber, PVR

Flipkart: 5% Flipkart (5%) · capped at ₹4,000 a quarter
Myntra, Nykaa, Ajio: 7.5% Myntra (7.5%) · capped at ₹4,000 a quarter
Other websites: 1% base rate
Annual fee: ₹500 a year (waived on ₹350,000 spend a year)

Axis Bank Cashback

Up to 7% cashback online (2% → 5% → 7% as you spend more)

Any website: 2% Online spends — first Rs 5,000 a month (2%)
Annual fee: ₹1,000 a year (waived on ₹400,000 spend a year)

Rates are the return per ₹100 spent, with points valued at each card's best redemption (usually transfer to airline or hotel partners); gift-card redemptions are worth less. Caps limit how much spend earns the top rate. Ranked by Cardology; card details last checked 2026-10-18.

Not sure which one fits you?

A card that wins on one category can lose overall once you add the rest of your spends and the annual fee. Tell Cardology roughly what you spend and it works out the best card, or pair of cards, for you.

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Questions

Which card gives the most cashback online?

For shopping across many sites, a card with a flat online rate (like SBI Cashback) is simplest; if most of it is on Amazon or Flipkart, their co-branded cards can pay more.

Do cashback cards have caps?

Yes. Most cap the accelerated cashback each month, so heavy spenders should check the cap before choosing.

How do I know which card is best for me?

Your best card depends on all your spends together, not one category. Cardology's free chat compares cards on your own numbers, including cards you already have, in about a minute.