Best Credit Cards for Online Shopping
Quick answer. As of October 2026, the top 3 on Saifu's best credit cards for online shopping list are Axis Bank Cashback (₹1,000 a year), HSBC Live+ (₹999 a year), CheQ AU (no annual fee), ranked from 125 cards for online shopping on what they return for ₹50,000 a month spread like a typical online shopper.
| # | Card | Value a year | Annual fee | Fee waiver | Lounges a year | Forex | Link |
|---|---|---|---|---|---|---|---|
| 1 | Axis Bank CashbackAxis Bank | ₹21,720 | ₹1,000 | Waived on ₹4,00,000 spend a year | None | 3.5% | Apply |
| 2 | HSBC Live+HSBC India | ₹21,240 | ₹999 | Waived on ₹2,00,000 spend a year | 3 | 1.99% | Apply |
| 3 | CheQ AUAU Small Finance Bank | ₹20,700 | Free | No fee to waive | None | 3.49% | Bank page |
| 4 | PVR INOX KotakKotak Mahindra Bank | ₹17,501 | ₹499 | No spend waiver | None | 3.5% | Bank page |
| 5 | HDFC MillenniaHDFC Bank | ₹15,600 | ₹1,000 | Waived on ₹1,00,000 spend a year | None | 3.5% | Apply |
| 6 | HDFC Bank PIXEL PlayHDFC Bank | ₹14,800 | ₹500 | Waived on ₹1,00,000 spend a year | None | 3.5% | Apply |
| 7 | Flipkart SBI CardSBI Card | ₹13,980 | ₹500 | Waived on ₹3,50,000 spend a year | None | 3.5% | Apply |
| 8 | Axis FlipkartAxis Bank | ₹13,860 | ₹500 | Waived on ₹3,50,000 spend a year | None | 3.5% | Apply |
| 9 | Hello CashbackIDFC FIRST Bank | ₹13,680 | ₹1,000 | Waived on ₹2,00,000 spend a year | None | 0% | Apply |
| 10 | PhonePe SBI Card SELECT BLACKSBI Card | ₹13,200 | ₹1,499 | Waived on ₹3,00,000 spend a year | 4 | 3.5% | Bank page |
| 11 | Axis Bank ACEAxis Bank | ₹12,180 | ₹499 | Waived on ₹2,00,000 spend a year | 4 | 3.5% | Apply |
| 12 | CookiesRBL Bank | ₹12,000 | ₹1,200 | No spend waiver | None | 3.5% | Apply |
| 13 | CRED IndusInd Bank RuPayIndusInd Bank | ₹11,141 | ₹499 | No spend waiver | None | 3.5% | Bank page |
| 14 | Standard Chartered SmartStandard Chartered Bank India | ₹10,800 | ₹499 | Waived on ₹1,20,000 spend a year | None | 3.5% | Bank page |
| 15 | Amazon Pay ICICIICICI Bank | ₹10,320 | Free | No fee to waive | None | 1.99% | Bank page |
Value a year: rewards on ₹50,000 a month spread like a typical online shopper, minus the annual fee. Lounge visits are domestic plus international free visits a year as the bank lists them; many banks now ask for a minimum spend first. Forex markup is before GST.
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Questions
Which is the best credit cards for online shopping credit card in India?
For ₹50,000 a month spread like a typical online shopper, Axis Bank Cashback returns the most on Saifu's numbers: about ₹21,720 a year after its annual fee. The best card for you depends on where you spend; the card finder ranks cards on your own spends.
How is this list ranked?
Saifu runs each card's reward rules, monthly caps and exclusions from its bank's terms on a sample month of spends, scales it to a year and subtracts the annual fee. No bank pays to be listed or to rank higher.
Your spends are different? Rank cards on your own spends or see the best card for each app.
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