Leaderboards / Spend Categories

Best for Online Shopping

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

282 cards ranked | Updated January 2026

Key Ranking Factors

40% Online Rate

E-commerce rewards

30% Partners

Platform bonuses

20% Security

Fraud protection

10% Features

Digital capabilities

🥇

Flipkart Axis Bank Credit Card

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

on Axis Bank's website

Score

Score: 704

Top 1%
🥈

HDFC Regalia Gold

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

on HDFC Bank's website

Score

Score: 189

Top 1%
🥉

Amazon Pay ICICI Bank Credit Card

ICICI Bank
Co-Branded Shopping ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 125

Top 2%
🥉

Flipkart SBI Card

SBI Cards
Co-Branded Shopping ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 125

Top 2%
🥉

Flipkart Axis Bank Super Elite Credit Card

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

on Axis Bank's website

Score

Score: 125

Top 2%
🥉

Flipkart Wholesale HDFC Bank Credit Card

HDFC Bank
Business Co-Branded ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 125

Top 2%
#7

Swiggy HDFC Bank Credit Card

HDFC Bank
Co-Branded Dining ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 100

Top 3%
#8

HDFC Diners Club Black Credit Card

HDFC Bank
Lounge Access Premium ₹10,000/yr
3.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 54

Top 3%
#9
ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank
Lounge Access Premium ₹12,499/yr
3.7 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 35

Top 4%
#10
HDFC Infinia Metal Edition

HDFC Infinia Metal Edition

HDFC Bank
Lounge Access Premium ₹12,500/yr
3.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 30

Top 4%
#11

HDFC Diners Club Black Metal Edition

HDFC Bank
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

HDFC Regalia Credit Card

HDFC Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

HDFC Millennia

HDFC Bank
Youth ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

Axis Bank Magnus Credit Card

Axis Bank
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 25

Top 4%
#11

HDFC Diners Club Privilege

HDFC Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

SBI Card Elite

SBI Cards
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 25

Top 4%
#11

HDFC MoneyBack Plus

HDFC Bank
Entry Level ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

ICICI Bank Sapphiro Credit Card

ICICI Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 25

Top 4%
#11

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank
Co-Branded ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

Axis Bank Atlas Credit Card

Axis Bank
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 25

Top 4%
#11

HDFC Regalia First Credit Card

HDFC Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

Axis Bank Ace Credit Card

Axis Bank
Cashback Rewards ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 25

Top 4%
#11

Marriott Bonvoy HDFC Bank Credit Card

HDFC Bank
Co-Branded Travel ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

Cashback SBI Card

SBI Cards
Cashback ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 25

Top 4%
#11

SimplyCLICK SBI Card

SBI Cards
Entry Level ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 25

Top 4%
#11

IDFC FIRST Millennia Credit Card

IDFC First Bank
Youth ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 25

Top 4%
#11

HDFC All Miles Credit Card

HDFC Bank
Travel ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

ICICI Bank Rubyx Credit Card

ICICI Bank
Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 25

Top 4%
#11

American Express Platinum Card

American Express
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 25

Top 4%
#11

SBI Card Prime

SBI Cards
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 25

Top 4%
#11

Axis Bank Select Credit Card

Axis Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 25

Top 4%
#11

IDFC FIRST Select Credit Card

IDFC First Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 25

Top 4%
#11

HDFC Business Regalia Credit Card

HDFC Bank
Business Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 25

Top 4%
#11

Axis Bank Privilege Credit Card

Axis Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 25

Top 4%
#11

BPCL SBI Card OCTANE

SBI Cards
Co-Branded Fuel ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 25

Top 4%
#11

IDFC FIRST WOW! Credit Card

IDFC First Bank
Youth ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 25

Top 4%
#11

PhonePe HDFC Bank Ultimo Credit Card

HDFC Bank
Co-Branded Fintech ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

ICICI Bank Coral Credit Card

ICICI Bank
Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 25

Top 4%
#11

American Express Gold Card

American Express
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 25

Top 4%
#11

Axis Bank Vistara Infinite Credit Card

Axis Bank
Co-Branded Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 25

Top 4%
#11

IDFC FIRST Classic Credit Card

IDFC First Bank
Entry Level ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 25

Top 4%
#11

PhonePe HDFC Bank Uno Credit Card

HDFC Bank
Co-Branded Fintech ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

MakeMyTrip ICICI Bank Signature Credit Card

ICICI Bank
Co-Branded Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 25

Top 4%
#11

Standard Chartered Ultimate Credit Card

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

on Standard Chartered Bank's website

Score

Score: 25

Top 4%
#11

SBI Card Pulse

SBI Cards
Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 25

Top 4%
#11

American Express SmartEarn Credit Card

American Express
Youth ₹0/yr
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 25

Top 4%
#11

IRCTC HDFC Bank Credit Card

HDFC Bank
Co-Branded Travel ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 25

Top 4%
#11

Emirates Skywards ICICI Bank Emeralde Credit Card

ICICI Bank
Co-Branded Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 25

Top 4%
#11

HSBC Premier Credit Card

Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 25

Top 4%

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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