India's e-commerce market crossed ₹5 lakh crore in 2024 — and credit cards remain the most rewarding way to shop, especially for online transactions. The right card can effectively give you a 2–5% discount on everything you buy. Here are the best shopping cards for 2025.
What Makes a Great Shopping Card?
High Reward Rate
At minimum 2% effective value on regular spend; 4–5% on partner e-commerce platforms like Amazon and Flipkart.
Merchant Discounts
Exclusive deals at partner merchants (10–25% off on Myntra, Ajio, Swiggy, Zomato) that go beyond the base reward rate.
Cashback or Flexible Points
Direct cashback or points that can be redeemed as statement credit — not locked into a specific product catalogue.
EMI Offers
No-cost EMI on big-ticket purchases at partner brands can save 12–24% interest compared to standard EMI rates.
Top Shopping Cards 2025
Filtered from our catalogue — cards with the strongest shopping and cashback benefits.
Airtel Axis Bank Credit Card
Annual Fee
₹500
Top Reward
25% cashback on Airtel, 10% on Swiggy/BigBasket, 1% on others
- ₹500 Airtel cashback on first Airtel recharge.
- 1 domestic lounge visit per quarter.
- Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
Axis Bank ACE Credit Card
Annual Fee
₹499
Top Reward
5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 2% online, 1.5% others
- ₹500 cashback on first transaction via Google Pay.
- 1 domestic lounge visit per quarter.
- Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
HDFC Bank 6E Rewards XL IndiGo Credit Card
Annual Fee
₹2,500
Top Reward
6E Rewards redeemable as IndiGo travel discounts
- ₹1,500 worth 6E Rewards as welcome benefit plus 1 complimentary IndiGo Add-on.
- 10 complimentary domestic lounge visits per year.
- 15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
HDFC Bank BPCL Credit Card
Annual Fee
₹500
Top Reward
13 Reward Points per ₹100 at BPCL (~4.33%)
- 500 Reward Points on first BPCL fuel purchase.
ICICI Bank HPCL Super Saver Credit Card
Annual Fee
₹500
Top Reward
5% cashback on HPCL fuel and grocery, 1% on others
- ₹250 cashback on first HPCL fuel transaction.
IndusInd Bank Celesta Credit Card
Annual Fee
₹10,000
Top Reward
2.5 reward points per ₹100
- 10,000 reward points on joining.
- Unlimited Priority Pass + domestic lounge access.
- 15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
IndusInd Bank Iconia Amex Credit Card
Annual Fee
₹3,500
Top Reward
2.5 RP per ₹100 weekends, 2 RP weekdays
- 3,500 Reward Points on joining fee payment.
- 4 international lounge visits per year via Priority Pass.
- Unlimited domestic lounge access.
Kotak 811 #DreamDifferent Credit Card
Annual Fee
Free
Top Reward
2% cashback online, 1% on other spends (lifetime free)
- No joining fee, no welcome benefit.
- Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
Shopping Strategies That Multiply Value
Online Shopping
- • Stack card rewards with platform sales (Big Billion Days, Great Indian Festival)
- • Use your card's shopping portal if it offers additional bonus points
- • Enable card-level offers before checking out — most banks have an 'Offers' tab
- • For purchases above ₹10,000, check if no-cost EMI is available on your card
In-Store Shopping
- • Use tap-to-pay (contactless NFC) for faster checkout
- • Check if your card has specific in-store brand tie-ups (lifestyle, apparel)
- • Always choose to pay in INR for international purchases (avoids DCC fees)
- • Keep receipts for big purchases — purchase protection claims need them
Best Card by Shopping Category
| Category | What to Look For | Typical Reward |
|---|---|---|
| Amazon / Flipkart | Co-branded or partner card | 5% cashback |
| Dining & Food Delivery | Dining privilege card | 3–5× points |
| Fuel | Fuel surcharge waiver card | 1–2% waiver + points |
| Groceries | Supermarket tie-up card | 2–4% cashback |
| Travel Booking | Travel rewards card | 5–10× air miles |
| Apparel & Lifestyle | Shopping rewards card | 3–4× points |
Frequently Asked Questions
Which credit card gives the most cashback for online shopping in India?
Cards like HDFC Millennia (5% cashback on Amazon, Flipkart, Myntra), Axis Ace (5% on bill payments via Google Pay), and ICICI Amazon Pay (5% on Amazon for Prime members) consistently top the charts for online shopping cashback in 2025.
Is there a difference between cashback and reward points for shopping?
Cashback is credited directly to your account or statement — no redemption needed. Reward points require active redemption through the bank portal or partner catalogue. Cashback is simpler; reward points can offer higher value when redeemed for travel.
Do shopping cards work at all retailers or only partner stores?
Most shopping cards give a base reward rate at all stores and an accelerated (bonus) rate at specific partner merchants (Swiggy, Zomato, Amazon, Flipkart, etc.). Always check which merchants qualify for the bonus rate before applying.