Best for Online Shopping
E-commerce partners, online rewards, and digital payment benefits for online shoppers.
307 cards ranked | Updated December 2025
Key Ranking Factors
E-commerce rewards
Platform bonuses
Fraud protection
Digital capabilities
Score: 22563
Score: 1716
Federal Bank Scapia
Score: 825
Score: 791
Score: 781
Score: 682
Score: 663
Score: 625
Score: 504
Score: 484
PhonePe SBI Card SELECT BLACK
Score: 483
Score: 475
Score: 462
Zomato Edition Black
Score: 455
Score: 451
Score: 429
Score: 429
Score: 407
Score: 400
Score: 400
Score: 396
Score: 396
Score: 385
BOBCARD Eterna Credit Card
Score: 381
Score: 363
Score: 358
Score: 351
Score: 350
HDFC Diners Club Black Metal Edition
Score: 338
Score: 338
Score: 324
Score: 324
Score: 319
HDFC Regalia Gold
Score: 315
HDFC Millennia
Score: 315
Score: 300
Score: 288
Score: 264
Score: 264
Score: 264
Score: 264
Score: 263
Score: 253
AU Ixigo Credit Card
Score: 250
Score: 213
HDFC Infinia Metal Edition
Score: 206
Score: 198
Score: 193
About Online Rankings
With e-commerce dominating retail, online shopping rewards have become crucial. Co-branded cards with Amazon, Flipkart, and other platforms often offer the highest online earning rates.
How We Rank Online Cards
- Online rewards: Earning rate on e-commerce purchases
- Partner bonuses: Extra rewards on specific platforms
- Digital security: Fraud protection and virtual cards
- Contactless/digital: Modern payment features
Online Rate
Higher is betterPlatforms
Your preferred sitesWhat Makes a Great Online Card
- High online rate: 3-5% on e-commerce
- Platform partnerships: Amazon, Flipkart specific bonuses
- Security features: Virtual cards, transaction alerts
- No caps: Unlimited online earning
Who Needs an Online Card
- Frequent online shoppers
- Those loyal to specific platforms
- Digital-first consumers
- Anyone shopping more online than offline
Maximizing Online Rewards
- Match card to platform: Use Amazon card on Amazon, etc.
- Stack with sales: Combine card rewards with sale discounts
- Use virtual cards: Enhanced security for online transactions
- Check category codes: Verify purchases code as "online"
Online Card FAQ
Should I get platform-specific cards?
If you spend heavily on one platform (e.g., ₹50,000+ annually on Amazon), a co-branded card like Amazon Pay ICICI delivers more value than a general card. Otherwise, a good general online card may be more flexible.
Bottom Line
Online shopping cards maximize e-commerce spending—the fastest-growing spending category. Choose platform-specific cards for loyalty to one site, or general online cards for flexibility.