SBI Card
SBI SimplyCLICK
Annual fee₹499
Top rate1x points
Monthly capNone
Category · Online Shopping · India
Cards that pay back for online spend.
Cards advertising accelerated rewards on online spend, after caps and exclusions land.
23 active cards position themselves around online retail rewards. The headline-rate dispersion is wide, from 1 percent on a flat-rate card with no cap to 5 percent on a category card with a tight monthly ceiling. The real differentiator is the merchant-coverage definition. A card that pays 5 percent on “all online merchants” often excludes utilities, education fees, government services, and wallet loads. We classified each card by which merchant types qualify and which are excluded, so the realised rate on your actual spend pattern can be checked before applying.
Axis Bank
Axis Flipkart Credit Card
Annual fee₹500
Top rate5% back
Monthly capNone
HDFC Bank
HDFC Millennia
Annual fee₹1,000
Top rate5% back
Monthly cap₹2,000
SBI Card
SBI Cashback Credit Card
Annual fee₹999
Top rate5% back
Monthly cap₹4,000
SBI Card
SBI Flipkart Credit Card
Annual fee₹500
Top rate7.5% back
Monthly capNone
HDFC Bank
HDFC Pixel Play Credit Card
Annual fee₹500
Top rate5% back
Monthly capNone
Axis Bank
Axis Neo RuPay Credit Card
Annual feeFree
Top rate10% back
Monthly cap₹500
Axis Bank
Axis Rewards Credit Card
Annual fee₹1,000
Top rate1.6x points
Monthly capNone
Axis Bank
Axis MyZone RuPay Credit Card
Annual fee₹500
Top rate2x points
Monthly capNone
Kotak Mahindra Bank
Kotak Cashback Plus Credit Card
Annual fee₹750
Top rate5% back
Monthly cap₹750
Bank of Baroda
BOB Eterna Credit Card
Annual fee₹2,499
Top rate3x points
Monthly capNone
Bank of Baroda
BOBCARD Cashback Credit Card
Annual fee₹499
Top rate5% back
Monthly cap₹1,500
RBL Bank
RBL Shoprite Credit Card
Annual feeFree
Top rate2x points
Monthly capNone
HDFC Bank
Tata Neu Infinity HDFC Credit Card
Annual fee₹1,499
Top rate10% back
Monthly capNone
HDFC Bank
Tata Neu Plus HDFC Credit Card
Annual fee₹499
Top rate5% back
Monthly capNone
Yes Bank
YES BANK POP-CLUB Credit Card
Annual fee₹399
Top rate2x points
Monthly capNone
Axis Bank
Axis Bank Cashback Credit Card
Annual fee₹1,000
Top rate7% back
Monthly cap₹4,000
Axis Bank
Axis Samsung Signature Credit Card
Annual fee₹500
Top rate5x points
Monthly capNone
HDFC Bank
Shoppers Stop HDFC Bank Credit Card
Annual fee₹299
Top rate1x points
Monthly capNone
HDFC Bank
HDFC Bank MoneyBack+ Credit Card
Annual fee₹500
Top rate3.33% back
Monthly cap₹625
HDFC Bank
HDFC Swiggy BLCK Credit Card
Annual fee₹1,000
Top rate10% back
Monthly cap₹3,500
HDFC Bank
HDFC Swiggy ORNGE Credit Card
Annual fee₹500
Top rate10% back
Monthly cap₹3,500
CSB Bank
Jupiter Edge+ CSB Bank RuPay Credit Card
Annual feeFree
Top rate10% back
Monthly cap₹4,000
How to choose
Read the exclusions, not the headline.
Online-shopping reward terms run wider than fuel or travel because the merchant universe is bigger. Start with the question of what your ₹30,000 a month actually pays for. If it concentrates on Amazon and Flipkart, a cobranded card (Flipkart Axis, Amazon Pay ICICI) returns the highest realised rate. If it spreads across smaller D2C brands and bill payments, a general 5 percent card with a wide merchant definition (SBI Cashback, HDFC Millennia) wins. Wallet loads almost always sit in the exclusions list.
FAQ
Common questions
01Do online-shopping cards count Amazon, Flipkart, and Myntra at the same rate?
Only if the card is a general “all online merchants” card. The cobranded cards exclude the rival platform: Flipkart Axis pays accelerated rewards on Flipkart and Myntra but not on Amazon, and Amazon Pay ICICI pays accelerated on Amazon and excludes Flipkart. The implicit lock-in matters more than the headline rate if your spend straddles both platforms.
02Are bill payments and utilities counted as online shopping for rewards purposes?
Almost never on accelerated tiers. Most cards exclude utilities, telecom, insurance premiums, government services, education fees, and wallet loads from the accelerated category rate. These transactions earn the base rate (usually 1 percent) instead. The exclusion list shrinks the realised return on a 5 percent card by 20 to 40 percent for the typical Indian household where utility-style spend is significant.
03How does the monthly cap interact with the realised rate?
The cap converts the headline rate into a ceiling on monthly earning. A 5 percent card with a ₹1,000 monthly cap earns at most ₹12,000 a year on online spend. Reaching that ceiling requires ₹20,000 of qualifying online spend per month. Below that spend level, the realised rate is the headline rate. Above it, the realised rate degrades because the surplus spend earns the base rate.
04Is it worth holding two online-shopping cards to maximise rewards?
Sometimes, when the cards complement each other rather than overlap. A pair like Amazon Pay ICICI plus Flipkart Axis splits the major platforms with no fee penalty (both are sub-₹500 or lifetime free). Holding two flat-rate cards (e.g. SBI Cashback plus HDFC Millennia) creates overlap, and the marginal earning gain rarely offsets the additional credit-management overhead.