Best online shopping credit cards in India
These cards pay elevated reward rates on e-commerce spend, and several are co-branded with specific online retailers for extra discounts.
Ranked using our methodology. Want a personalized pick instead? Find my card →
Rates last verified 24 October 2026 · No bank pays us to rank higher.
AU Zaggle Co-Branded Retail Credit Card
Visa
AU Small Finance Bank
AU Zaggle Co-Branded Retail Credit Card
4% base reward · ₹0 annual fee
Why it's ranked here: Zero joining and annual fee for life
SBM Bank India
SBM Kredit.Pe RuPay Credit Card
3% base reward · ₹199 annual fee
Why it's ranked here: Low minimum FD to get started
IndusInd Bank
IndusInd Pinnacle
2% base reward · ₹0 annual fee
Why it's ranked here: Strong online shopping rewards
Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: No annual fee
American Express
American Express SmartEarn Credit Card
2% base reward · ₹495 annual fee
Why it's ranked here: Low ₹495 fee, waivable on ₹40,000 annual spend
HDFC Bank
HDFC Bank Shoppers Stop Black Credit Card
2% base reward · ₹4,500 annual fee
Why it's ranked here: Complimentary Shoppers Stop Black membership
Axis Bank
Axis ACE
1.5% base reward · ₹499 annual fee
Why it's ranked here: 5% cashback on utility/bill payments, DTH and mobile recharges via Google Pay, uncommon for a card this cheap
HDFC Bank
Tata Neu Infinity HDFC Bank Card
1.5% base reward · ₹1,499 annual fee
Why it's ranked here: Up to 5% NeuCoin cashback across a wide Tata retail ecosystem spanning groceries, electronics, pharmacy, fashion and travel
Kotak Mahindra Bank
Kotak Zen Signature Credit Card
1.5% base reward · ₹1,500 annual fee
Why it's ranked here: Solid dining and online-shopping reward rates
AU Small Finance Bank Altura Plus Credit Card
Visa
AU Small Finance Bank
AU Small Finance Bank Altura Plus Credit Card
1.5% base reward · ₹499 annual fee
Why it's ranked here: Straightforward 1.5% cashback on retail spends
Freo Plus Credit Card
RuPay
SBM Bank India (Freo)
Freo Plus Credit Card
1.5% base reward · ₹199 annual fee
Why it's ranked here: Meaningfully higher cashback than Freo Pay on shopping and utility bills
OneCard Metal (Federal Bank)
Visa
FPL Technologies / Federal Bank (OneCard)
OneCard Metal (Federal Bank)
1.5% base reward · ₹0 annual fee
Why it's ranked here: Still lifetime free despite the richer benefit set