Guides ›
Best Credit Cards for Amazon, Flipkart & Online Shopping (2026)
Updated 23 September 2026 · Compares 6 cards
If most of your shopping happens online, the right card can give you 5% or more back on every order. The best card depends on where you shop. Co-branded cards like Amazon Pay ICICI and Flipkart Axis are strongest on their own platform, while cards like SBI Cashback pay well across all online stores.
Quick comparison
| Card | Fee | Best for |
|---|---|---|
| Amazon Pay ICICI Bank | Lifetime free | Lifetime free |
| Flipkart Axis Bank | ₹500 / year | 5% on Flipkart & Cleartrip, 7.5% on Myntra (each capped Rs 4,000/quarter) |
| Cashback SBI Card | ₹999 / year | 5% cashback on almost all online spends, no merchant restriction |
| HDFC Bank Millennia | ₹1,000 / year | 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Uber and more |
| BOBCARD Eterna | First year free, then ₹2,499 | 15 RP per Rs 100 on travel, dining, online shopping (~3.75% as cashback) |
| American Express SmartEarn | ₹495 / year | 10X MR on Flipkart and Uber |
Our picks in detail
Amazon Pay ICICI Bank
The default choice for Amazon shoppers: 5% for Prime members (3% otherwise), no annual fee, and no cap. Cashback arrives as Amazon Pay balance.
Highlights
- Lifetime free
- 5% on Amazon for Prime members (3% otherwise)
- 2% on Amazon Pay partner merchants and bill payments
- 1% on everything else, no cap
Keep in mind
- No lounge access
- Cashback credited as Amazon Pay balance
Fee waiver: not available · Forex markup: 1.99% · Lounge: None
See details on the ICICI Bank website →Flipkart Axis Bank
The best card for Flipkart (5%) and Myntra (7.5%), each capped at ₹4,000 a quarter. It also pays 4% on Swiggy, Uber and PVR.
Highlights
- 5% on Flipkart & Cleartrip, 7.5% on Myntra (each capped Rs 4,000/quarter)
- 4% on Swiggy, PVR, Uber, Cult.fit
- 1% unlimited elsewhere
- Auto-credited cashback
Keep in mind
- No lounge access
- No cashback on utilities, fuel, rent, gift cards
Fee waiver: spend ₹3,50,000 a year · Forex markup: 3.5% · Lounge: None (removed Jun 2025)
See details on the Axis Bank website →Cashback SBI Card
5% on nearly every online merchant, which makes it ideal if you shop across many sites. Capped at ₹2,000 per cycle for online spends from April 2026.
Highlights
- 5% cashback on almost all online spends, no merchant restriction
- 1% offline
- Cashback auto-credited to statement
Keep in mind
- Online 5% capped at Rs 2,000/cycle, offline at Rs 2,000 (from Apr 2026)
- No rewards on rent, fuel, utilities, wallets, gaming
Fee waiver: spend ₹2,00,000 a year · Forex markup: 3.5% · Lounge: None
See details on the SBI Card website →HDFC Bank Millennia
5% on a fixed list of 10 popular apps (Amazon, Flipkart, Myntra, Swiggy, Zomato and more), capped at ₹1,000 a month.
Highlights
- 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Uber and more
- 1% on other spends
- Rs 1,000 voucher per Rs 1L quarterly spend
Keep in mind
- 5% capped at Rs 1,000/month
- CashPoints need statement redemption (min balance)
Fee waiver: spend ₹1,00,000 a year · Forex markup: 3.5% · Lounge: Up to 4 domestic visits/year on Rs 1L quarterly spend
See details on the HDFC Bank website →BOBCARD Eterna
About 3.75% value on online shopping, dining and travel. It's first-year free, then ₹2,499 unless you spend ₹2.5 lakh a year.
Highlights
- 15 RP per Rs 100 on travel, dining, online shopping (~3.75% as cashback)
- First year free (from Sep 2026)
- FITPASS PRO membership on Rs 10K spend in 30 days
Keep in mind
- Accelerated points capped monthly
- Rs 2,499 from year 2 unless Rs 2.5L spend
Fee waiver: spend ₹2,50,000 a year · Forex markup: 2% · Lounge: Domestic + international lounge visits
See details on the Bank of Baroda (BOBCARD) website →American Express SmartEarn
10X Membership Rewards on Flipkart and Uber and 5X on Amazon, Swiggy and Zomato, for a low fee. Amex acceptance is narrower than Visa or Mastercard.
Highlights
- 10X MR on Flipkart and Uber
- 5X on Amazon, Swiggy, Zomato and others
- Rs 500 cashback on joining
Keep in mind
- Accelerated points capped monthly
- Amex acceptance
Fee waiver: spend ₹40,000 a year · Forex markup: 3.5% · Lounge: None
See details on the American Express website →How to choose
- Mostly Amazon: Amazon Pay ICICI (free, uncapped).
- Mostly Flipkart or Myntra: Flipkart Axis.
- Many different sites: SBI Cashback.
- Heavy spender on both: hold Amazon Pay ICICI plus Flipkart Axis or SBI Cashback.
Bank offers vs card rewards
During sales, platforms run instant discounts with specific banks, often 10% up to a limit. These are separate from your card's own cashback, and you often get both. Having cards from two or three different banks lets you use more sale offers.
Frequently asked questions
Do I get card cashback on EMI purchases?
Usually yes for regular EMI, but many cards exclude or reduce rewards on no-cost EMI or on the processing fee. Check your card's terms.
Does buying gift cards count as online shopping?
Increasingly, no. Many banks excluded gift cards and vouchers from rewards in 2025–26 (Axis Bank from August 2026, for example).
How we pick: we compare fees, fee waivers, reward rates, monthly caps and exclusions from each bank's published terms, including 2025–26 changes. Estimates assume typical redemption values. CardWise is independent, and card rankings are not influenced by any bank.