1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹13,560* a year
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
2. Cashback SBI Card
Annual fee ₹999 · Rewards up to 5% · You keep ₹12,240* a year
The Cashback SBI Card gives 5% cashback on online spends and 1% on offline spends, credited straight to the card account. Total cashback is limited to ₹4,000 per statement cycle.
- 5% on online shopping
- 1% on other spends
3. PhonePe SBI Card SELECT BLACK
Annual fee ₹1,499 · Rewards up to 10% · You keep ₹12,240* a year
PhonePe SBI Card SELECT BLACK is the higher variant: it gives 10 points per ₹100 on PhonePe app bills and travel (PURPLE gives 3) and 5 points on other online spends, where 1 point equals ₹1. It costs ₹1,499 a year, waived on ₹3 lakh of spends, and adds 4 domestic lounge visits that PURPLE does not have.
- 10% on PhonePe
- 5% on online shopping
- 1% on other spends
4. BOB Cashback Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹11,051* a year
The BOB Cashback Credit Card gives 5% cashback on domestic online spends, up to ₹1,500 a month, and 1% on other spends. You can pay a ₹499 yearly fee or ₹49 a month.
- 5% on online shopping
- 1% on other spends
5. PhonePe SBI Card PURPLE
Annual fee ₹499 · Rewards up to 3% · You keep ₹5,760* a year
PhonePe SBI Card PURPLE is the low-fee variant at ₹499 a year, waived on just ₹1 lakh of spends, against ₹1,499 and ₹3 lakh for SELECT BLACK. In return it earns less: 3 points per ₹100 on PhonePe app bills and travel and 2 points on online shopping, worth ₹1 a point, with no lounge access.
- 3% on PhonePe
- 2% on online shopping
- 1% on other spends
6. Standard Chartered Smart Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹5,760* a year
The Standard Chartered Smart Credit Card is a simple cashback card: 2% back on online spends and 1% on offline spends, with up to ₹1,500 a statement cycle. It also gives new cardholders 90 days of interest-free credit on the minimum payment, for a fee of just ₹499.
- 2% on online shopping
- 1% on other spends
7. Tata Neu Infinity HDFC Bank Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹5,400* a year
The Tata Neu Infinity HDFC Bank Credit Card gives 5% back as NeuCoins on Tata Neu and partner Tata brands, and 1.5% on most other spends. NeuCoins are worth ₹1 each but can be used only on Tata Neu and eligible Tata brands.
- 5% on Tata Neu brands
- 1.5% on other spends
- SBI CardTata Neu Infinity SBIVISA
8. Tata Neu Infinity SBI Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹5,400* a year
The Tata Neu Infinity SBI Credit Card gives 5% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1.5% on other eligible spends. 1 NeuCoin equals ₹1 of savings.
- 5% on Tata Neu brands
- 5% on BigBasket
- 1.5% on bills and utilities
- 1.5% on other spends
9. Titan SBI Card
Annual fee ₹2,999 · Rewards up to 7.5% · You keep ₹5,400* a year
The Titan SBI Card pays back 7.5% at Titan watch, eyewear and fashion stores, 5% at Mia, CaratLane and Zoya, and 3% as vouchers at Tanishq, all as points worth ₹0.25 each. It suits families who buy jewellery and watches from Titan brands, since points can only become Titan vouchers.
- 7.5% on Titan
- 5% on CaratLane, Mia, Zoya
- 3% on Tanishq
- 1.5% on other spends
- IndusInd BankIndusInd Bank Pinnacle Worldmastercard
10. IndusInd Bank Pinnacle World Credit Card
Annual fee Free · Rewards up to 1.88% · You keep ₹5,130* a year
The IndusInd Bank Pinnacle World Credit Card earns 2.5 reward points per ₹100 on online shopping, worth ₹0.75 each (about 1.9% back), with 4 domestic and 4 international lounge visits a year. It has no annual fee after the joining fee.
- 1.88% on online shopping
- 1.13% on travel
- 0.75% on other spends
11. Axis Bank Cashback Credit Card
Annual fee ₹1,000 · Rewards up to 2% · You keep ₹4,220* a year
The Axis Bank Cashback Credit Card suits people who spend a lot online. Online cashback rises from 2% to 7% as your monthly spends grow, up to ₹4,000 per statement month, and other eligible spends earn 0.75%.
- 2% on online shopping
- 0.5% on bills and utilities
- 0.75% on other spends
12. RBL Bank ShopRite Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,750* a year
The RBL Bank ShopRite Credit Card gives 20 reward points per ₹100 on groceries, up to 5% back, with a ₹500 annual fee waived on ₹1.5 lakh of yearly spends.
- 5% on groceries
- 0.25% on other spends
13. Amazon Pay ICICI Bank Credit Card
Annual fee Free · Rewards up to 5% · You keep ₹3,600* a year
The Amazon Pay ICICI Bank Credit Card is lifetime free and gives 5% back on Amazon.in for Prime members (3% without Prime) and 1% on other spends, credited as Amazon Pay balance. It suits people who shop on Amazon often.
- 3% on Amazon
- 2% on Amazon
- 1% on other spends
14. Flipkart Axis Bank Credit Card
Annual fee ₹500 · Rewards up to 7.5% · You keep ₹3,600* a year
The Flipkart Axis Bank Credit Card gives 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each up to ₹4,000 per statement quarter. Other eligible spends earn 1% or 4% with no limit.
- 7.5% on Myntra
- 5% on Flipkart
- 5% on Cleartrip
- 4% on Swiggy
- SBI CardFlipkart SBIVISA
15. Flipkart SBI Credit Card
Annual fee ₹500 · Rewards up to 7.5% · You keep ₹3,600* a year
The Flipkart SBI Credit Card gives 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each up to ₹4,000 per quarter. Other eligible spends earn 1% with no limit.
- 7.5% on Myntra
- 5% on Flipkart
- 5% on Cleartrip
- 1% on other spends
16. HDFC Bank Millennia Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹3,600* a year
The HDFC Bank Millennia Credit Card gives 5% cashback on 10 online merchants and 1% on most other spends. Each rate has a monthly limit of 1,000 CashPoints.
- 5% on Amazon, Flipkart, Myntra, Swiggy
- 1% on other spends
17. HDFC Bank Pixel Play Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,600* a year
The HDFC Bank Pixel Play Credit Card lets you pick two 5% cashback packs, such as food, travel or fashion, and one shopping site for 3%. It suits people who spend most of their money with a few favourite brands.
- 5% on Zomato
- 5% on BookMyShow
- 5% on MakeMyTrip, Uber
- 5% on Blinkit, Reliance Smart Bazaar
- CSB BankJupiter Edge+ CSB Bank RuPayRuPay
18. Jupiter Edge+ CSB Bank RuPay Credit Card
Annual fee Free · Rewards up to 10% · You keep ₹3,600* a year
The Jupiter Edge+ CSB Bank RuPay Credit Card is a RuPay card issued by CSB Bank and sold by Jupiter. It works on UPI and earns Jewels, with higher rates on partner shopping brands and on travel booked on Jupiter.
- 10% on Amazon, Flipkart, Myntra
- 5% on Jupiter travel
- 1% on other spends
19. Tata Neu Plus HDFC Bank Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹3,600* a year
The Tata Neu Plus HDFC Bank Credit Card gives 2% back as NeuCoins at partner Tata brands and 1% on other spends. NeuCoins are worth ₹1 each on Tata Neu and eligible Tata brands.
- 2% on Tata Neu brands
- 1% on groceries
- 1% on bills and utilities
- 1% on other spends
- SBI CardTata Neu Plus SBIVISA
20. Tata Neu Plus SBI Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹3,600* a year
The Tata Neu Plus SBI Credit Card gives 2% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1% on other eligible spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2% on Tata Neu brands
- 2% on BigBasket
- 1% on bills and utilities
- 1% on other spends
21. SimplyCLICK SBI Card
Annual fee ₹499 · Rewards up to 2.5% · You keep ₹3,060* a year
The SimplyCLICK SBI Card gives 10X reward points (2.5% back) at partner brands such as Myntra, BookMyShow and Cleartrip, and 5X points (1.25%) on other online spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2.5% on Myntra, BookMyShow, Cleartrip
- 2.5% on Cleartrip
- 1.25% on online shopping
- 0.25% on other spends
22. Shoppers Stop HDFC Bank Credit Card
Annual fee ₹299 · Rewards up to 3% · You keep ₹2,647* a year
The Shoppers Stop HDFC Bank Credit Card gives 3% back as reward points at Shoppers Stop and 1% on other spends, worth ₹1 a point on Shoppers Stop vouchers. It suits people who shop at Shoppers Stop often, for a ₹299 yearly fee.
- 3% on Shoppers Stop
- 1% on other spends
23. BOBCARD Select Credit Card
Annual fee ₹750 · Rewards up to 1% · You keep ₹2,496* a year
The BOBCARD Select Credit Card gives 5 reward points per ₹100 on online and dining spends and 1 point on other spends. There is no joining fee, and the ₹750 renewal fee is waived on yearly spends of ₹70,000.
- 1% on online shopping
- 1% on dining and food delivery
- 0.2% on other spends
24. RBL Bank Cookies Credit Card
Annual fee ₹1,200 · Rewards up to 10% · You keep ₹2,448* a year
The RBL Bank Cookies Credit Card gives 10% cashback on Zomato, Myntra and Uber (up to ₹300 each a month) and 5 reward points per ₹100 online. It has a ₹100 monthly fee, waived for the next month when you spend ₹5,000.
- 1% on online shopping
- 10% on Zomato
- 10% on Myntra
- 10% on Uber
25. Reliance SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹2,070* a year
Reliance SBI Card PRIME pays 20 points per ₹100 (5% back) at AJIO and JioMart and 10 points (2.5%) at Reliance Retail stores, but points turn only into Reliance Retail vouchers. It suits families who shop mostly in the Reliance group and spend ₹3 lakh a year to waive the ₹2,999 fee.
- 5% on Reliance Retail
- 2.5% on Reliance Retail
- 1.25% on dining and food delivery
- 1.25% on travel
26. Axis Bank Shoppers Stop Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹1,800* a year
The Axis Bank Shoppers Stop Credit Card gives First Citizen points worth about 5% on Shoppers Stop exclusive brands and 3% on other Shoppers Stop brands. Points are used mainly at Shoppers Stop and its partner stores.
- 5% on Shoppers Stop
- 3% on Shoppers Stop
- 0.5% on other spends
27. Axis Bank Rewards Credit Card
Annual fee ₹1,000 · Rewards up to 3.2% · You keep ₹1,152* a year
The Axis Bank Rewards Credit Card suits people who shop for clothes and at department stores. It gives 10X points there, up to ₹7,000 a month, plus a monthly milestone of 1,500 points on ₹30,000 of spends.
- 0.32% on other spends
28. HDFC Bank MoneyBack+ Credit Card
Annual fee ₹500 · Rewards up to 2% · You keep ₹720* a year
The HDFC Bank MoneyBack+ Credit Card earns 10X CashPoints at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, and 2 CashPoints per ₹200 on other spends. It also gives a ₹500 voucher on ₹50,000 of spends in a calendar quarter.
- 2% on Amazon, BigBasket, Flipkart, Swiggy
- 0.2% on other spends
29. Shoppers Stop Black HDFC Bank Credit Card
Annual fee ₹4,500 · Rewards up to 7% · You keep ₹690* a year
The Shoppers Stop Black HDFC Bank Credit Card gives 7% back as reward points at Shoppers Stop and 2% on other spends, worth ₹1 a point on Shoppers Stop vouchers, with 24 lounge visits a year. It suits big Shoppers Stop spenders who can use the ₹4,500 yearly fee's worth of benefits.
- 7% on Shoppers Stop
- 2% on other spends
30. Axis Bank SELECT Credit Card
Annual fee ₹3,000 · Rewards up to 2% · You keep ₹660* a year
The Axis Bank SELECT Credit Card suits people who spend steadily and travel abroad. It gives 10 EDGE Reward points per ₹200, double on retail shopping up to ₹20,000 a month, and lounge access in India and abroad.
- 2% on groceries
- 1% on other spends
31. BOBCARD Easy Credit Card
Annual fee ₹500 · Rewards up to 1% · You keep ₹600* a year
The BOBCARD Easy Credit Card is an entry-level rewards card with no joining fee and a ₹500 renewal fee that you can avoid by spending ₹35,000 a year. It earns 1 point per ₹100, and 5 points at department stores and on movies.
- 0.2% on other spends
Compare these cards
How to choose an online shopping credit card
- Whether the top rate covers all online shops or only certain brands.
- The limit on the top rate.
- Whether EMI purchases earn rewards.
- Any fee waiver you can reach with your spending.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of heavy online shopping, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Why does a brand card rank lower here?
We do not count rates paid only at named brands, because we cannot assume where you shop. If you buy mostly at that brand, the card can earn more, so try the finder with your own brands.
Do EMI purchases earn rewards?
Often not. Many cards leave out EMI spends, so check the card page.
Can I use two shopping cards?
You can, if the banks approve both. Two cards also mean two fees and two due dates to manage.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money