Leaderboards / Spend Categories

Best for Online Shopping

E-commerce partners, online rewards, and digital payment benefits for online shoppers.

275 cards ranked | Updated February 2026

Key Ranking Factors

40% Online Rate

E-commerce rewards

30% Partners

Platform bonuses

20% Security

Fraud protection

10% Features

Digital capabilities

🥇
Axis Bank Airtel

Axis Bank Airtel

Axis Bank
Cashback Co-Branded ₹500/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 1804

Top 1%
🥈
Swiggy HDFC Bank

Swiggy HDFC Bank

HDFC Bank
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 946

Top 1%
🥉
Flipkart SBI Card

Flipkart SBI Card

SBI Cards
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 770

Top 2%
#4
Flipkart Axis Bank

Flipkart Axis Bank

Axis Bank
Co-Branded Shopping ₹500/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 737

Top 2%
#5
HDFC Pixel Play

HDFC Pixel Play

HDFC Bank
Cashback Dining ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 715

Top 2%
#6
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

ICICI Bank
Cashback Co-Branded ₹0/yr
4.2 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 538

Top 3%
#7
HDFC Millennia

HDFC Millennia

HDFC Bank
Cashback Entry Level ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 531

Top 3%
#8
SimplyCLICK SBI Card

SimplyCLICK SBI Card

SBI Cards
Entry Level Rewards ₹499/yr
3.6 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 484

Top 3%
#8
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

HDFC Bank
Business Cashback ₹500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 484

Top 3%
#10
Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

SBI Cards
Co-Branded Lounge Access ₹1,499/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 455

Top 4%
#11
PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE

SBI Cards
Co-Branded Entry Level ₹499/yr
3.6 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 451

Top 4%
#12
HDFC Pixel Go

HDFC Pixel Go

HDFC Bank
Cashback Entry Level ₹250/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 385

Top 5%
#13

PhonePe HDFC Bank Ultimo

HDFC Bank
Co-Branded Entry Level ₹999/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 369

Top 5%
#13
MakeMyTrip ICICI Bank

MakeMyTrip ICICI Bank

ICICI Bank
Co-Branded Lounge Access ₹999/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 369

Top 5%
#15
HDFC MoneyBack Plus

HDFC MoneyBack Plus

HDFC Bank
Entry Level Rewards ₹500/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 363

Top 6%
#16
Axis Bank Ace

Axis Bank Ace

Axis Bank
Cashback Entry Level ₹499/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 352

Top 6%
#16
HDFC Bharat

HDFC Bharat

HDFC Bank
Cashback Entry Level ₹500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 352

Top 6%
#18
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

HDFC Bank
Dining Lifestyle ₹10,000/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 333

Top 7%
#18
HDFC Diners Club Miles

HDFC Diners Club Miles

HDFC Bank
Dining Lounge Access ₹1,000/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 333

Top 7%
#20
Cashback SBI Card

Cashback SBI Card

SBI Cards
Cashback Entry Level ₹999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 315

Top 8%
#21
HDFC Biz Power

HDFC Biz Power

HDFC Bank
Business Fuel ₹2,500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 280

Top 8%
#22

Paytm HDFC Bank Business

HDFC Bank
Business Cashback ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 253

Top 8%
#22
Apollo SBI Card

Apollo SBI Card

SBI Cards
Co-Branded Rewards ₹499/yr
3.5 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 253

Top 8%
#24
Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank

HDFC Bank
Co-Branded Lounge Access ₹1,499/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 245

Top 9%
#25
HDFC Freedom

HDFC Freedom

HDFC Bank
Entry Level Rewards ₹500/yr
3.2 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 220

Top 10%
#25
HDFC Bank UPI RuPay

HDFC Bank UPI RuPay

HDFC Bank
Cashback Entry Level ₹99/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 220

Top 10%
#25
Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

SBI Cards
Co-Branded Entry Level ₹499/yr
3.4 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 220

Top 10%
#28
HDFC Diners Club Privilege

HDFC Diners Club Privilege

HDFC Bank
Dining Lifestyle ₹1,000/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 216

Top 11%
#29

IRCTC HDFC Bank

HDFC Bank
Co-Branded Lounge Access ₹500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 198

Top 11%
#30
HDFC Regalia Gold

HDFC Regalia Gold

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 189

Top 11%
#31
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 176

Top 12%
#32
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

Lounge Access Premium ₹0/yr
4.7 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 175

Top 12%
#33

SBI Card Prime Advantage

SBI Cards
Lounge Access Premium ₹2,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 173

Top 12%
#34
Standard Chartered Smart

Standard Chartered Smart

Cashback Entry Level ₹499/yr
3.6 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 154

Top 13%
#35
HDFC InterMiles Signature

HDFC InterMiles Signature

HDFC Bank
Co-Branded Lounge Access ₹2,500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 148

Top 13%
#36

Flipkart Axis Bank Super Elite

Axis Bank
Co-Branded Lifestyle ₹0/yr
3.6 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 125

Top 14%
#37
Standard Chartered Ultimate

Standard Chartered Ultimate

Lounge Access Premium ₹5,000/yr
3.7 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 121

Top 14%
#38

HDFC World MasterCard

HDFC Bank
Lounge Access Rewards ₹500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 112

Top 14%
#39
Shoppers Stop HDFC Bank

Shoppers Stop HDFC Bank

HDFC Bank
Co-Branded Entry Level ₹299/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 108

Top 15%
#40
Best Price Save Max HDFC Bank

Best Price Save Max HDFC Bank

HDFC Bank
Co-Branded Lounge Access ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 101

Top 15%
#41
HSBC Live+

HSBC Live+

Cashback Dining ₹999/yr
3.6 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 99

Top 15%
#42

HDFC CSC Small Business MoneyBack

HDFC Bank
Business Cashback ₹500/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 90

Top 16%
#43
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 88

Top 16%
#43

HDFC Giga Business

HDFC Bank
Business Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 88

Top 16%
#43
HSBC RuPay Cashback

HSBC RuPay Cashback

Cashback Dining ₹499/yr
2.8 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 88

Top 16%
#46
Doctor's SBI Card

Doctor's SBI Card

SBI Cards
Lifestyle Lounge Access ₹1,499/yr
3.4 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 88

Top 17%
#47
HDFC Diners Club Rewardz

HDFC Diners Club Rewardz

HDFC Bank
Entry Level Rewards ₹1,000/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 86

Top 18%
#48
Standard Chartered Beyond

Standard Chartered Beyond

Dining Lifestyle ₹25,000/yr
3.2 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 83

Top 18%
#49
HDFC Diners Club Premium

HDFC Diners Club Premium

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 80

Top 18%
#50
HDFC Biz Grow

HDFC Biz Grow

HDFC Bank
Business Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 77

Top 19%

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 better

Platforms

Your preferred sites

What 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.

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