Best Credit Cards for Online Shopping
E-commerce spending has skyrocketed, making co-branded shopping credit cards highly lucrative. Whether you shop frequently on Amazon, Flipkart, Myntra, or Tata Cliq, using a dedicated shopping card can net you up to 5% flat reward rates and instant 10% discounts during festive sales. Compare the top shopping cards to maximize your retail savings.
Top Credit Cards Comparison Table
| Credit Card | Joining Fee | Annual Fee | Key Reward Rate | Action |
|---|---|---|---|---|
| SBI Card SimplyCLICK | Rs. 499 | Rs. 499 | 5X points online and 10X on selected partners as listed by SBI Card. | Compare Apply |
| IndusInd Bank Platinum | See issuer page | See issuer page | Reward points on eligible retail spends. | Compare Apply |
| AU Small Finance Bank NOMO | See issuer page | See issuer page | Reward points on eligible spends. | Compare Apply |
| RBL Bank Shoprite | Rs. 500 | Rs. 500 | Reward points on eligible spends with category boosts. | Compare Apply |
| RBL Bank Cookies | Monthly membership | Waiver on spend may apply | Vouchers and discounts, not only points; check monthly terms. | Compare Apply |
| YES Bank Select | Rs. 599 | Rs. 599 | Issuer lists accelerated YES Rewardz points on online purchases. | Compare Apply |
| HDFC Bank MoneyBack | Rs. 500 | Rs. 500 | Reward points on eligible spends; online acceleration may vary by variant. | Compare Apply |
| HDFC Bank MoneyBack+ | Rs. 500 | Rs. 500 | 10X CashPoints on selected partners and base points on other spends. | Compare Apply |
Detailed Card Reviews
SBI Card SimplyCLICK
Online shopping rewards card with accelerated points on selected partner platforms.
- 5X online rewards
- 10X partner rewards
- E-vouchers
IndusInd Bank Platinum
Accessible IndusInd card for everyday purchases, UPI variants, and fuel surcharge waiver.
- UPI variants
- Reward points
- Fuel waiver
AU Small Finance Bank NOMO
Entry card for basic reward points, partner offers, and lower-fee card ownership.
- Entry level
- Reward points
- Partner offers
RBL Bank Shoprite
Shopping-focused RBL card for grocery rewards, daily savings, and fuel waiver.
- Grocery rewards
- Fuel waiver
- Reward points
RBL Bank Cookies
Shopping card with monthly vouchers and benefits across popular retail brands.
- Brand vouchers
- Shopping offers
- Movie discounts
YES Bank Select
Rewards card with accelerated online shopping points, lounge access, and lower forex markup.
- Online rewards
- Domestic lounge
- Fuel waiver
HDFC Bank MoneyBack
Entry HDFC card for everyday reward points and basic fuel surcharge waiver.
- Reward points
- Online rewards
- Fuel waiver
HDFC Bank MoneyBack+
Everyday rewards card with 10X CashPoints on selected shopping and grocery partners.
- 10X CashPoints
- Quarterly vouchers
- Fuel waiver
Why Co-Branded Shopping Cards Offer the Best Value
Cards like the Amazon Pay ICICI card and Flipkart Axis Bank card offer direct, unlimited cashback on their respective platforms. Furthermore, during major sale events like Amazon Great Indian Festival or Flipkart Big Billion Days, having these cards unlocks instant 10% discount checkouts, saving thousands on electronics, home appliances, and apparel.
Milestone Rewards and Gift Vouchers
Many shopping cards offer milestone benefits in the form of brand e-gift vouchers (e.g., HDFC Millennia or SBI SimplyCLICK). Meeting annual spend thresholds can waive the annual fee and reward you with additional shopping power.
Frequently Asked Questions
Is the Amazon Pay ICICI card lifetime free?
Yes, it is 100% lifetime free with no annual charges or joining fees for all users.
Can I use shopping cards offline?
Yes, but they typically earn a lower cashback rate (usually 1%) on offline spends compared to the 5% rate offered for online partner purchases.