✅ Handpicked by FindMyCard · Updated October 2026

Top 5 Cashback Cards for Online Shopping

If most of your spending happens on Amazon, Flipkart, Swiggy or a handful of other online platforms, these 5 cards give you the strongest cashback for it.

1 🏆 Top Pick

ICICI Amazon Pay Credit Card

4.5/5
ICICI Bank
APPLY NOW
💡 5% cashback on Amazon for Prime members, 3% for non-Prime, and genuinely lifetime free, the default pick for regular Amazon shoppers.
ICICI Amazon Pay Credit Card by ICICI Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Amazon Shoppers & Digital Payments
Rewards Type Cashback

Rewards Rate

5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay merchants; 1% everywhere else

Welcome Benefits

Up to ₹2,000 in Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on joining

Card Details +

Key Advantages

  • ✓ Zero annual fee, genuinely lifetime free
  • ✓ 5% cashback on Amazon for Prime members
  • ✓ Up to ₹2,000 Amazon Pay balance + EazyDiner & Ixigo vouchers on joining
  • ✓ 2% cashback on 100+ Amazon Pay partner merchants
  • ✓ Cashback credited directly to Amazon Pay balance, with no minimum redemption threshold

Limitations

  • ✕ Only 1% cashback on non-Amazon/non-Amazon Pay spends
  • ✕ Best value tied to an Amazon Prime subscription
  • ✕ No lounge access benefits
  • ✕ Purely cashback, with no travel miles or reward point option
Full Card Review →
2

Flipkart Axis Bank Credit Card

4.5/5
Axis Bank
APPLY NOW
💡 5% on Flipkart, 7.5% on Myntra and 5% on Cleartrip, the strongest Flipkart-ecosystem card on the market, though lounge access was discontinued in 2025.
Flipkart Axis Bank Credit Card by Axis Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Regular Flipkart Shoppers & E-commerce Spenders
Rewards Type Reward Points

Rewards Rate

7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart & Cleartrip (capped ₹4,000/quarter each); 4% on Swiggy, Uber, PVR & Fitpass; 1% on other spends

Welcome Benefits

₹500 Flipkart joiner e-voucher + up to ₹600 worth of merchant activation offers

Card Details +

Key Advantages

  • ✓ 7.5% cashback on Myntra, capped at ₹4,000 per quarter
  • ✓ 5% cashback on Flipkart and Cleartrip, capped at ₹4,000 per quarter each
  • ✓ 4% cashback on Swiggy food delivery, Uber, PVR and Fitpass

Limitations

  • ✕ No airport lounge access — this benefit was discontinued in June 2025
  • ✕ No cashback on fuel, wallet loads, or EMI transactions
  • ✕ No reward-point option for travelers who prefer airline miles over cashback
Full Card Review →
3

Axis Bank ACE Credit Card

4.6/5
Axis Bank
APPLY NOW
💡 4% cashback on Swiggy, Zomato and Ola, plus 5% on Google Pay bill payments, a strong all-rounder for everyday app-based spending.
Axis Bank ACE Credit Card by Axis Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Utility Bills Payments via Google Pay & General Everyday Cashback Optimization
Rewards Type Cashback

Rewards Rate

5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola; 1.5% on other retail spends

Welcome Benefits

Direct cashback applied to your inaugural billable transaction cycle post activation

Card Details +

Key Advantages

  • ✓ 5% cashback on mobile recharges, electricity, internet and other utilities via Google Pay
  • ✓ 4% cashback on Swiggy, Zomato and Ola
  • ✓ 4 complimentary domestic lounge visits per year across India

Limitations

  • ✕ The 5% utility rate only applies to payments made through the Google Pay app
  • ✕ No international lounge access, domestic only
Full Card Review →
4

HSBC Live+ Credit Card

4.0/5
HSBC Bank
APPLY NOW
💡 10% cashback across five categories, dining, food delivery, groceries, utilities and shopping, though the shopping tier excludes Amazon, Flipkart and Myntra specifically.
HSBC Live+ Credit Card by HSBC Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback
Rewards Type Cashback

Rewards Rate

10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ 10% cashback on dining, food delivery, grocery, utility & shopping spends (shopping category excludes Amazon, Flipkart & Myntra)
  • ✓ Unlimited 1.5% cashback on all other eligible retail spends
  • ✓ Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
  • ✓ Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users

Limitations

  • ✕ Accelerated cashback is capped at ₹1,200 per month
  • ✕ Lounge access reduced to 2 domestic visits/year (from 4) as of July 2026
  • ✕ Wallet loads and cash advances are excluded from cashback
Full Card Review →
5

Kotak Cashback+ Credit Card

4.4/5
Kotak Bank
APPLY NOW
💡 5% on food delivery, entertainment and groceries, with 3% on fuel thrown in, a well-rounded everyday cashback option.
Kotak Cashback+ Credit Card by Kotak Bank
Joining Fee ₹750 + Taxes
Annual Fee ₹750 + Taxes
Best Suited For Online Merchant Shopping & Food Delivery Cashback
Rewards Type Cashback

Rewards Rate

5% cashback on food delivery, entertainment & groceries; 3% on fuel; 0.5% on other spends (capped at 750 points/cycle on accelerated categories)

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 5% cashback on food delivery, entertainment & groceries
  • ✓ 3% cashback on fuel spends
  • ✓ Unlimited 0.5% cashback on all other eligible purchases
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ Accelerated cashback is capped at 750 Reward Points per statement cycle
  • ✕ No airport lounge access
  • ✕ Base reward rate on general spends is a modest 0.5%
Full Card Review →

5 Best Cashback Credit Cards for Online Shopping at a Glance

5 Best Cashback Credit Cards for Online Shopping Comparison Table
Card Fee Rating
1. ICICI Amazon Pay Credit Card Free ★ 4.5 View →
2. Flipkart Axis Bank Credit Card ₹500 + Taxes ★ 4.5 View →
3. Axis Bank ACE Credit Card ₹499 + Taxes ★ 4.6 View →
4. HSBC Live+ Credit Card Free ★ 4.0 View →
5. Kotak Cashback+ Credit Card ₹750 + Taxes ★ 4.4 View →

Not sure which one's right for you?

Compare every card in our full catalogue side by side.

Browse All Credit Cards

Explore Categories

🎁
Rewards
💰
Cashback
💳
Lifetime Free
✈️
Travel
🌐
Forex

Compare Credit Cards

2 cards selected