If most of your spending happens on Amazon, Flipkart, Myntra and food apps, a shopping card can return 5% or more. We ranked them for an online shopper who spends about ₹30,000 a month.
How we rank: estimated yearly value for a "online shopper" spending ₹32,500 a month, after reward caps, annual fee (with GST) and forex costs. Rank cards with your own spends →
| Fee waiver | Lounge | Best for | Compare | ||||
|---|---|---|---|---|---|---|---|
Swiggy BLCK HDFC Bank HDFC Bank · Mastercard |
₹1,000 | ₹2,00,000 spend | Up to 10% | 3.5% | None | Heavy Swiggy, Instamart and Dineout users | |
SBI Card Cashback SBI Card · Visa |
₹999 | ₹2,00,000 spend | Up to 5% | 3.5% | None | Online shoppers spending up to ₹40,000 a month online | |
HDFC Bank Millennia HDFC Bank · Visa / Mastercard |
₹1,000 | ₹1,00,000 spend | Up to 5% | 3.5% | Domestic lounge access on quarterly spend milestones | Shoppers on Amazon, Flipkart, Swiggy and Zomato | |
Amazon Pay ICICI Bank ICICI Bank · Visa |
Free | – | Up to 5% | 1.99% | None | Amazon Prime members who want a no-fee card | |
Flipkart Axis Bank Axis Bank · Visa / Mastercard |
₹500 | ₹3,50,000 spend | Up to 5% | 3.5% | None | Regular Flipkart and Myntra shoppers | |
Tata Neu Infinity HDFC Bank HDFC Bank · RuPay / Visa |
₹1,499 | ₹3,00,000 spend | Up to 1.5% | 2% | 8 domestic + 4 international visits a year | Shoppers loyal to Tata brands | |
SBI Card SimplyCLICK SBI Card · Visa |
₹499 | ₹1,00,000 spend | Up to 2.5% | 3.5% | None | First-time card users who shop online |
Amazon Pay ICICI gives 5% back on Amazon for Prime members with no annual fee. SBI Cashback and HDFC Millennia also pay 5% on Amazon, within their caps.
Flipkart Axis Bank pays 5% cashback on Flipkart and 7.5% on Myntra, capped at ₹4,000 a quarter.