Best Shopping Credit Cards in India 2026 — By Platform
SBI Reliance Prime Credit Card
| Fee | ₹2,999 + GST, waived on ₹3 lakh |
|---|---|
| Headline rate | 20 pts per ₹100 on AJIO and JioMart (5%) |
| Point value | 4 points = ₹1, Reliance Retail vouchers only |
20 points per ₹100 on AJIO and JioMart (about 5%), 10 at other Reliance Retail stores, 5 on dining, movies, domestic airlines and international spends, and 2 elsewhere. Points redeem only as Reliance Retail vouchers.
Who should get it: Households that already shop at Reliance Digital, Trends, AJIO and JioMart and can spend ₹3 lakh a year to waive the fee. Full review: read the review.
TL;DR — best card for each platform
- Amazon: Amazon Pay ICICI — 5% with Prime (3% without), lifetime free
- Flipkart: Flipkart Axis Bank — 5%, ₹500 fee
- Myntra: Flipkart Axis Bank — 7.5% (capped at ₹4,000 a quarter)
- AJIO / JioMart: Reliance SBI Card PRIME — about 5% as Reliance vouchers
- BigBasket / Croma / Tata CLiQ: Tata Neu Infinity HDFC — 5% NeuCoins
- Many online partners: SBI SimplyCLICK — 10X at partners such as Myntra, Swiggy and Cleartrip
- Everything else: SC Ultimate (about 3.3% flat, ₹5,000 fee) or Axis ACE (1.5%, ₹499 fee)
Best for Amazon
Amazon Pay ICICI Credit Card
| Fee | Lifetime free |
|---|---|
| Headline rate | 5% on Amazon with Prime, 3% without |
| Caps | None |
5% on Amazon for Prime members (3% without Prime), 2% at Amazon Pay partner merchants and 1% elsewhere, credited as Amazon Pay balance with no cap.
Who should get it: Anyone who shops on Amazon regularly. ICICI lists eligibility as age 21+ with ₹30,000 monthly income. Full review: read the review.
Best for Flipkart
Flipkart Axis Bank Credit Card
| Fee | ₹500 + GST, waived on ₹3.5 lakh (first year currently free) |
|---|---|
| Headline rate | 7.5% on Myntra, 5% on Flipkart and Cleartrip |
| Caps | ₹4,000 per statement quarter on each brand |
7.5% on Myntra, 5% on Flipkart and Cleartrip, 4% at preferred partners such as Swiggy and 1% elsewhere. Utilities, fuel, rent, wallet loads, insurance, education, government and jewellery are excluded, and lounge access ended in June 2025.
Who should get it: Flipkart and Myntra shoppers. Expect to pay the fee from year two unless you spend ₹3.5 lakh a year. Full review: read the review.
Best for fashion (Myntra, Ajio)
SBI SimplyCLICK Credit Card
| Fee | ₹499 + GST, waived on ₹1 lakh |
|---|---|
| Headline rate | 10X at online partners |
| Caps | 5X on other online spends capped at 10,000 points a month |
10X points at online partners including Apollo 24/7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds, Yatra and Swiggy, 5X on other online spends and 1 point per ₹100 offline, plus ₹2,000 vouchers at ₹1 lakh and ₹2 lakh of online spend.
Who should get it: Online shoppers who use several of these partners and want a low, easily waived fee. Full review: read the review.
Kotak Myntra Credit Card
| Status | No longer issued to new applicants |
|---|
Kotak has stopped issuing this card; existing cardholders keep their benefits. For Myntra shopping, the Flipkart Axis Bank card now pays 7.5% on Myntra (capped at ₹4,000 a quarter).
Who should get it: Existing cardholders only. Full review: read the review.
Best for grocery (BigBasket, Blinkit, Swiggy Instamart)
HDFC Millennia Credit Card
| Fee | ₹1,000 + GST, waived on ₹1 lakh |
|---|---|
| Headline rate | 5% on 10 partner brands |
| Caps | 1,000 CashPoints a month each for the 5% and 1% rates |
5% on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, and 1% elsewhere, up to ₹2,000 a month in total.
Who should get it: Ages 21–40 who shop across several of these brands rather than on one platform. Full review: read the review.
Axis Bank ACE Credit Card
| Fee | ₹499 + GST, waived on ₹2 lakh |
|---|---|
| Headline rate | 1.5% on general shopping |
| Caps | 5% bills and 4% food categories share a ₹500 cycle cap |
Not a shopping card in the usual sense, but its 1.5% base rate applies to most online and offline shopping, on top of 5% on bills via Google Pay and 4% on Swiggy, Zomato and Ola.
Who should get it: Shoppers who want one simple card for everything that is not covered by a brand co-brand. Full review: read the review.
Best for electronics (Croma, Reliance Digital, Vijay Sales)
HDFC Tata Neu Infinity RuPay Credit Card
| Fee | ₹1,499 + GST, waived on ₹3 lakh |
|---|---|
| Headline rate | 5% NeuCoins on Tata brands |
| Caps | Grocery, insurance, utility and telecom capped at 2,000 NeuCoins a month each |
5% NeuCoins on partner Tata brands such as BigBasket, Croma, Tata CLiQ and Westside (non-EMI), 1.5% elsewhere, and up to 1.5% on UPI via the Tata Neu UPI ID. 1,499 NeuCoins welcome on paid cards.
Who should get it: Households whose shopping is concentrated on Tata brands. Full review: read the review.
SBI Tata Croma Credit Card
| Status | Availability unconfirmed |
|---|---|
| Fee | ₹499 (Tata Croma card) |
Both Tata Croma cards are still listed on SBI Card’s Tata site, but we could not confirm that new applications are open, so check with SBI Card before applying. For Croma purchases, Tata Neu Infinity HDFC also earns 5% NeuCoins.
Who should get it: Croma regulars, after checking availability. Full review: read the review.
Best for offline retail (D-Mart, Reliance Fresh, malls)
Standard Chartered Manhattan Platinum Credit Card
| Status | Availability unconfirmed |
|---|
Standard Chartered still lists the Manhattan Platinum, but its product page currently shows no online application option, and Federal Bank has announced plans to acquire part of Standard Chartered’s Indian card portfolio. Ask the bank whether new applications are open before relying on this card.
Who should get it: Existing cardholders, or applicants after confirming availability. Full review: read the review.
Standard Chartered Ultimate Credit Card
| Fee | ₹5,000 + GST, no spend waiver |
|---|---|
| Headline rate | About 3.3% flat (5 pts per ₹150, 1 pt = ₹1) |
| Caps | No overall cap |
A flat-rate premium option for shoppers who don’t want to track partner brands: about 3.3% on most spends, 2% on utilities, supermarkets and insurance, plus 6,000 points on paying the joining fee.
Who should get it: High spenders whose shopping is spread across many stores and can absorb the ₹5,900 fee. Full review: read the review.
Complete comparison table
| Platform | Best card | Effective rate | Fee (+GST) |
|---|---|---|---|
| Amazon | Amazon Pay ICICI | 5% (Prime), 3% otherwise | Lifetime free |
| Flipkart | Flipkart Axis Bank | 5% | ₹500 |
| Myntra | Flipkart Axis Bank | 7.5% | ₹500 |
| AJIO, JioMart | Reliance SBI Card PRIME | About 5% (Reliance vouchers) | ₹2,999 |
| Reliance Digital, Trends | Reliance SBI Card PRIME | About 2.5% (Reliance vouchers) | ₹2,999 |
| BigBasket | Tata Neu Infinity HDFC | 5% NeuCoins (grocery capped at 2,000 a month) | ₹1,499 |
| Croma, Tata CLiQ, Westside | Tata Neu Infinity HDFC | 5% NeuCoins | ₹1,499 |
| Swiggy Instamart | HDFC Millennia | 5% (Swiggy partner) | ₹1,000 |
| Online partners (Cleartrip, BookMyShow, Apollo 24/7) | SBI SimplyCLICK | 10X points | ₹499 |
| Everything else | SC Ultimate or Axis ACE | About 3.3% or 1.5% | ₹5,000 or ₹499 |
How to build a 2-card shopping setup
The optimal setup for most Indian households is one lifetime-free card for their dominant platform + one ₹500 fee card for other high-spend categories. Example combinations:
- Amazon-heavy household: Amazon Pay ICICI (free) + Axis ACE (₹499) — Amazon 5% + BigBasket/Swiggy/utility 4-5%
- Flipkart-heavy household: Amazon Pay ICICI (free) + Flipkart Axis (₹500) — Amazon 5% + Flipkart 5% + Uber 4%
- Tata ecosystem household: Amazon Pay ICICI (free) + Tata Neu Infinity HDFC (₹1,499) — Amazon 5% + Croma/BigBasket/Westside/Tanishq 5%
- Balanced urban household: Amazon Pay ICICI (free) + Axis ACE (₹499) + Flipkart Axis (₹500) — covers everything at 4-5%
Our overall best shopping card — one card only
If forced to pick a single shopping card: Amazon Pay ICICI. The combination of lifetime free, 5% cashback on Amazon (India’s largest e-commerce platform), 2% on 100+ Amazon Pay partners, 1% flat elsewhere, zero redemption friction (Amazon Pay balance is universally spendable), makes it the highest floor-value shopping card for any Indian household. Add Flipkart Axis as a cheap secondary if your Flipkart spend exceeds ₹15,000/year.
Last updated: April 2026. All effective rates verified after factoring redemption value (not just headline multipliers).
FAQs
How often is this list updated?
This article is reviewed every 6 months and refreshed when card terms or RBI rules change. Last updated May 2026.
Are these recommendations sponsored?
No. CreditSmart does not accept sponsorships from card issuers. Recommendations are based on independent reward-rate calculations against publicly available T&Cs.
What if a card I prefer isn’t on this list?
Use the framework in this article (true reward rate, fee waiver, fine print) to evaluate any card on its merits. Or check our overall best cards ranking.
Where can I see all card reviews?
Browse the full credit card review index for 100+ in-depth card reviews.
How are reward rates calculated?
True reward rate = (annual reward earned at typical spend) / (annual spend) − annual fee. We use realistic blended spend patterns, not headline accelerated rates.
Sources & references
- RBI Master Direction on Credit Cards
- Official issuer websites (HDFC Bank, ICICI Bank, SBI Card, Axis Bank, Kotak, IDFC FIRST, AmEx India)
- Best credit cards India 2026 — overall ranking
- All credit card reviews — full index
