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10 Best Shopping Credit Cards in India (2026)

Shop smarter online. Compare cashback on Amazon, Flipkart, Myntra, Nykaa and all major Indian e-commerce platforms.

βœ… Rankings updated: May 2026 πŸ† Ranked by: reward rate, fee value, real-world usability β€” not paid partnerships πŸ“‹ Data verified against official bank websites
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How we rank: Cards are ordered by overall value score β€” a weighted formula combining reward rate, annual fee, joining fee waiver, lounge access, and real-world usability for Indian spending habits. The #1 card genuinely offers the best combination for most people in this category.
⭐ #1 IN THIS CATEGORY
ICICI Bank logo
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Amazon Pay ICICI Bank Credit Card

ICICI Bank logo ICICI Bank
cashback shopping lifetime-free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 5% cashback on Amazon (Prime); 3% non-Prime; 2% on 100+ Amazon Pay merchants
βœ… Best for: Amazon Prime members who shop online at least weekly
⭐ 4.8/5
See Details Apply Now β†’
#2 RUNNER-UP
ICICI Bank logo
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Amazon Pay ICICI Credit Card

ICICI Bank logo ICICI Bank
Cashback Shopping Lifetime Free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 5% back on Amazon (Prime); 3% non-Prime; 2% on others
βœ… Best for: Amazon Prime members who shop online regularly
⭐ 4.7/5
See Details Apply Now β†’
HDFC Bank logo
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HDFC Millennia Credit Card

HDFC Bank logo HDFC Bank
Cashback Shopping Dining
Annual Fee: β‚Ή1,000/yr
Joining Fee: β‚Ή1,000
🎁 5% cashback on Amazon, Flipkart, Myntra, Swiggy
βœ… Best for: Online shoppers spending β‚Ή40k+/month on top platforms
⭐ 4.6/5
See Details Apply Now β†’
HDFC Bank logo
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HDFC Bank Millennia Credit Card

HDFC Bank logo HDFC Bank
cashback shopping dining
Annual Fee: β‚Ή1,000
Joining Fee: β‚Ή1,000
🎁 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Swiggy, Uber
βœ… Best for: Online shoppers spending β‚Ή40,000+/month
⭐ 4.6/5
See Details Apply Now β†’
Axis Bank logo
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Flipkart Axis Bank Credit Card

Axis Bank logo Axis Bank
Shopping Cashback Lounge Access
Annual Fee: β‚Ή500/yr
Joining Fee: β‚Ή500
🎁 5% unlimited cashback on Flipkart, Myntra, 2GUD
βœ… Best for: Regular Flipkart shoppers, especially during Big Billion Days
⭐ 4.5/5
See Details Apply Now β†’
SBI Card logo
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SBI Card Cashback

SBI Card logo SBI Card
cashback shopping
Annual Fee: β‚Ή999
Joining Fee: β‚Ή999
🎁 5% cashback on online spends; 1% on offline; no category restrictions
βœ… Best for: Online shoppers wanting flat cashback with no category limits
⭐ 4.4/5
See Details Apply Now β†’
HDFC Bank logo
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HDFC Tata Neu Infinity Credit Card

HDFC Bank logo HDFC Bank
shopping lounge-access cashback
Annual Fee: β‚Ή1,499
Joining Fee: β‚Ή1,499
🎁 5% NeuCoins on Tata apps; 1.5% on others
βœ… Best for: Heavy Tata ecosystem users wanting lounge access too
⭐ 4.3/5
See Details Apply Now β†’
SBI Card logo
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SBI SimplyClick Credit Card

SBI Card logo SBI Card
Shopping Cashback Beginner
Annual Fee: β‚Ή499/yr
Joining Fee: β‚Ή499
🎁 10X Reward Points on Amazon, Cleartrip, BookMyShow, Lenskart
βœ… Best for: Online shoppers who use Amazon, Cleartrip and BookMyShow regularly
⭐ 4.2/5
See Details Apply Now β†’
SBI Card logo
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SBI Card SimplyClick

SBI Card logo SBI Card
shopping cashback
Annual Fee: β‚Ή499
Joining Fee: β‚Ή499
🎁 10X Reward Points on Amazon, Cleartrip, BookMyShow, Lenskart, NetMeds
βœ… Best for: Online shoppers who use Amazon, Cleartrip and OTT platforms
⭐ 4.2/5
See Details Apply Now β†’
Axis Bank logo
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Axis Bank Privilege Credit Card

Axis Bank logo Axis Bank
travel lounge-access shopping
Annual Fee: β‚Ή1,500
Joining Fee: β‚Ή1,500
🎁 12 EDGE Reward Points per β‚Ή200; 15X on travel and grocery
βœ… Best for: Mid-segment users wanting travel rewards and lounge access
⭐ 4.2/5
See Details Apply Now β†’
HDFC Bank logo
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HDFC MoneyBack+ Credit Card

HDFC Bank logo HDFC Bank
Cashback Beginner Shopping
Annual Fee: β‚Ή500/yr
Joining Fee: β‚Ή500
🎁 10X CashPoints on SmartBuy, Swiggy, Zomato, Amazon
βœ… Best for: Entry-level users wanting simple cashback rewards
⭐ 4.1/5
See Details Apply Now β†’
HDFC Bank logo
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HDFC Tata Neu Plus Credit Card

HDFC Bank logo HDFC Bank
shopping cashback
Annual Fee: β‚Ή499
Joining Fee: β‚Ή499
🎁 2% NeuCoins on Tata apps; 1% on others; 5% on Tata Neu app
βœ… Best for: Frequent Tata brand shoppers β€” BigBasket, Croma, Air India
⭐ 4.1/5
See Details Apply Now β†’
American Express logo
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American Express SmartEarn Credit Card

American Express logo American Express
shopping cashback dining
Annual Fee: β‚Ή495
Joining Fee: β‚Ή495
🎁 10X MR Points on Amazon, Flipkart, Zomato, BigBasket; 1X on others
βœ… Best for: Online shoppers wanting to enter the Amex ecosystem affordably
⭐ 4.1/5
See Details Apply Now β†’
Standard Chartered logo
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Standard Chartered Smart Credit Card

Standard Chartered logo Standard Chartered
lifetime-free cashback shopping ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 2% cashback on online; 1% on others; no minimum, no cap
βœ… Best for: Online shoppers wanting simple flat cashback at zero annual fee
⭐ 4.1/5
See Details Apply Now β†’
HDFC Bank logo
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HDFC Business MoneyBack Credit Card

HDFC Bank logo HDFC Bank
cashback shopping
Annual Fee: β‚Ή500
Joining Fee: β‚Ή500
🎁 2 CashPoints per β‚Ή150; 10X on business spends on SmartBuy
βœ… Best for: Small business owners tracking expenses and earning cashback
⭐ 4.0/5
See Details Apply Now β†’
Axis Bank logo
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Axis MY Zone Credit Card

Axis Bank logo Axis Bank
dining shopping cashback
Annual Fee: β‚Ή500
Joining Fee: β‚Ή500
🎁 10% cashback on Zomato and Bigbasket; 15% on Myntra
βœ… Best for: Young urban spenders on food delivery, online grocery and fashion
⭐ 4.0/5
See Details Apply Now β†’
RBL Bank logo
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RBL Bank ShopRite Credit Card

RBL Bank logo RBL Bank
shopping cashback lifetime-free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 5% cashback on grocery; 2% on utility; 1% on others
βœ… Best for: Homemakers and families with high monthly grocery bills
⭐ 4.0/5
See Details Apply Now β†’
Axis Bank logo
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Axis Bank Neo Credit Card

Axis Bank logo Axis Bank
cashback dining shopping
Annual Fee: β‚Ή250
Joining Fee: Free
🎁 10% cashback on Grofers; 10% on Zomato and Swiggy; 1% on others
βœ… Best for: Digital-first spenders on grocery delivery and food apps
⭐ 3.9/5
See Details Apply Now β†’
Kotak Mahindra Bank logo
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Kotak Essentia Platinum Credit Card

Kotak Mahindra Bank logo Kotak Mahindra Bank
cashback shopping
Annual Fee: β‚Ή749
Joining Fee: β‚Ή1,499
🎁 10% off on grocery; 3 Reward Points per β‚Ή100 on grocery
βœ… Best for: Homemakers and families spending heavily on groceries
⭐ 3.9/5
See Details Apply Now β†’
Standard Chartered logo
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Standard Chartered DigiSmart Credit Card

Standard Chartered logo Standard Chartered
shopping dining movie cashback
Annual Fee: β‚Ή588/year
Joining Fee: β‚Ή49/month
🎁 15% off on Myntra; 10% on Zomato and Ola; 5% on BookMyShow
βœ… Best for: Digital-first users on OTT, food delivery and fashion apps
⭐ 3.9/5
See Details Apply Now β†’
Bank of Baroda (BOB Card) logo
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Bank of Baroda Premier Credit Card

Bank of Baroda (BOB Card) logo Bank of Baroda (BOB Card)
cashback lounge-access shopping
Annual Fee: β‚Ή999
Joining Fee: β‚Ή999
🎁 10 Reward Points per β‚Ή100 on online; 5 on offline spends
βœ… Best for: Mid-segment BOB customers wanting lounge access and rewards
⭐ 3.9/5
See Details Apply Now β†’
Bank of Baroda (BOB Card) logo
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Bank of Baroda Snapdeal Credit Card

Bank of Baroda (BOB Card) logo Bank of Baroda (BOB Card)
shopping cashback lifetime-free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 7.5% cashback on Snapdeal; 3% on grocery; 1% on others
βœ… Best for: Snapdeal shoppers wanting co-branded cashback on the platform
⭐ 3.7/5
See Details Apply Now β†’
FAQs

Common Questions about Shopping Cards

What is the best Shopping credit card in India for 2026? οΌ‹
The best card depends on your spending habits and income. Use our rankings above β€” they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? οΌ‹
No. We never accept payment to rank a card higher. Rankings are based on objective criteria: reward rate, fee value, benefits, and real-world usability.
How do I apply for a Shopping credit card? οΌ‹
Click "Apply Now" on any card β€” it takes you directly to the bank's official application page. You'll need PAN card, income proof and address proof ready.
What credit score do I need? οΌ‹
Most credit cards require a CIBIL score of 700+. Premium cards may need 750+. If you're building credit, start with a secured or lifetime-free card.