| Credit Card | Best For | Cashback/Rewards | Annual Fee |
|---|---|---|---|
| SBI Cashback Card | All-round online shopping | 5% cashback (online) | ₹999 |
| HDFC Millennia Card | Amazon, Flipkart via SmartBuy | 5% cashback | ₹1,000 |
| Amazon Pay ICICI Card | Amazon India | 5% cashback (Prime) | ₹0 |
| Flipkart Axis Bank Card | Flipkart & Myntra | 5% cashback | ₹500 |
| Axis Ace Credit Card | Google Pay bill payments | 5% cashback | ₹499 |
| ICICI Coral Credit Card | Moderate spenders | Reward points | ₹500 |
| Standard Chartered DigiSmart | Youth, offers-focused users | Up to 20% discounts | ₹49/month |
🔍 1. SBI Cashback Credit Card
🛍️ Best For: General Online Shopping
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5% cashback on ALL online spends (except fuel, insurance, wallet, rent)
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1% cashback on offline
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Max cashback: ₹5,000/month
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Joining Fee: ₹999 (waived on ₹2L spend)
✅ Pros:
-
Works on all websites/apps
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Automatic cashback credit every month
❌ Cons:
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No cashback on rent, fuel, utilities
🔍 2. HDFC Millennia Credit Card
🛍️ Best For: Amazon, Flipkart via SmartBuy
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5% cashback via SmartBuy, PayZapp
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1% on other online spends
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Cap: ₹1,000 cashback/month
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Joining Fee: ₹1,000 (waived on ₹1L spend)
✅ Pros:
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Strong HDFC ecosystem
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Extra discounts on Zomato, Myntra, BookMyShow
❌ Cons:
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Cashback credited quarterly
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SmartBuy required for max savings
🔍 3. Amazon Pay ICICI Credit Card
🛍️ Best For: Amazon Prime Users
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5% cashback for Prime, 3% for non-Prime
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1% on other spends
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Lifetime free
✅ Pros:
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Seamless Amazon checkout
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No annual or joining fee
❌ Cons:
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No extra perks outside Amazon
🔍 4. Flipkart Axis Bank Credit Card
🛍️ Best For: Flipkart, Myntra Shoppers
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5% cashback on Flipkart & Myntra
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4% on Swiggy, Uber
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1.5% on others
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Joining Fee: ₹500 (waived on ₹2L spend)
✅ Pros:
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Ideal for fashion, electronics
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Cashback on food & rides too
❌ Cons:
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Brand-specific benefits
🔍 5. Axis Ace Credit Card
🛍️ Best For: Bill Payments via Google Pay
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5% cashback on bill payments via Google Pay
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4% on Zomato, Swiggy
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2% on all other spends
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Joining Fee: ₹499 (waived on ₹2L spend)
✅ Pros:
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Excellent for utilities, food
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Simple cashback model
❌ Cons:
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Google Pay must be used
🔍 6. ICICI Coral Credit Card
🛍️ Best For: Reward Points Fans
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Reward points on online, travel, groceries
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Airport lounge access
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Joining Fee: ₹500
✅ Pros:
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Balanced features
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Useful for moderate spenders
❌ Cons:
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Low cashback value
🔍 7. Standard Chartered DigiSmart Card
🛍️ Best For: Monthly Offers
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20% off Myntra, 10% off Grofers & Zomato
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₹49/month (waived on ₹5,000 spend/month)
✅ Pros:
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Partner discounts
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No annual fee if used regularly
❌ Cons:
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No cashback, just discounts
🎯 Final Verdict: Which One is Best?
| Type of Spender | Recommended Card |
|---|---|
| General Online Shopping | SBI Cashback Card |
| Amazon Power User | Amazon Pay ICICI |
| Flipkart Loyalist | Flipkart Axis Bank |
| Utility + Foodie Spender | Axis Ace |
| Occasional Shopper | Standard Chartered DigiSmart |
🏆 Editor’s Choice: SBI Cashback Credit Card – for its universal 5% cashback & ₹5,000/month limit.
💬 FAQs
Q1: Which credit card gives maximum cashback on online shopping?
A: SBI Cashback Credit Card offers 5% on all online spends (excluding some categories) with a high monthly limit.
Q2: Is the Amazon Pay ICICI Card worth it?
A: Yes, if you’re a Prime user. It’s free and gives 5% cashback on Amazon orders.
Q3: Which card is best for bill payments and food orders?
A: Axis Ace Credit Card (5% via Google Pay + 4% on Zomato, Swiggy).