Best online shopping credit cards

Heads-up: The 5% stops at ₹2,000 a billing cycle. Past about ₹40,000 of online spend a month, extra spending earns the 1% base rate.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.25%.

Heads-up: Every reward bucket (PhonePe spends, select online brands, UPI Scan & Pay) is capped at 500 Reward Points per month EACH - heavy spenders…

Heads-up: 10% Swiggy cashback is capped at ₹1,500 per billing cycle — ₹15,000 of Swiggy spend earns the maximum, and anything beyond it earns nothing…

Heads-up: The 2% online rate caps at Rs. 1,000 a month and the 1% rate at Rs. 500 a month, so the advertised Rs. 18,000 a year needs Rs. 1,00,000 of…

Heads-up: The 10-point rate on online shopping and departmental stores is capped at 2,000 Reward Points a statement — Rs. 500 of value a month.

Heads-up: The two chosen 5% packs share a cap of 500 CashPoints a month. Past that, accelerated spending earns the base rate.

Heads-up: 10X stops at 500 Membership Rewards Points a month and 5X at 250. The 10X cap is shared across Flipkart, Uber, BookMyShow and others, and a…

Heads-up: Bank of Baroda states an age window of 25 to 55 for this card, with anything outside it at its own discretion — one of the narrowest in the…

Heads-up: SuperCoins redeem only against purchases on Flipkart, Myntra and Cleartrip. They cannot be taken as cashback, statement credit or airline…

Heads-up: The Federal Bank-Fi MagniFi co-branded credit card program has been fully discontinued effective 20 March 2026 - reward accrual and…

Heads-up: The fee is charged monthly and waived monthly. Spend under ₹5,000 in a month and ₹100 + GST is charged for the next one — the waiver has to…

Heads-up: The 5% JioMart cashback is credited to a JioMart wallet, not the statement, and is redeemable only in general merchandise and fashion.

Heads-up: Reward Points are auto-credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or…

Heads-up: Reward Points are credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or airline…

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: The flat 2% cashback on ZET UPI transactions requires a paid ZET Plus subscription.

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards and EMI transactions earn no cashback.

Heads-up: AU unlocks complimentary domestic airport lounge access on at least Rs. 20,000 of spending in a calendar quarter, in that same quarter, and…

Heads-up: Federal publishes no rupee value for a Signet reward point, so the 3x rate cannot be turned into a percentage.

Heads-up: 5 Jewels are worth Re. 1, so the accelerated 2% category is a real 2% only because Jewels are quoted as a percentage of spend — check the…

Heads-up: Earning is capped hard: 500 Reward Points a month on Shoppers Stop and 1,000 a month on everything else. A large purchase does not earn…

Heads-up: NeuCoins can only be spent inside the Tata Neu ecosystem. They cannot be taken as cash or credited to the statement.

Heads-up: Blinkit is capped at Rs. 1,000 a month and five transactions; Zomato at Rs. 150 per transaction; Ola at Rs. 600 a month. Past those, the…

Heads-up: The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate.

Heads-up: The 20-point grocery rate stops at 1,000 Reward Points a month, about Rs. 5,000 of groceries. Past that, groceries earn the 1-point base…

Heads-up: Reward Points convert to Fabfamily Rewards and redeem only for shopping at Fabindia stores and on fabindia.com. They cannot be taken as…

Heads-up: A Reward Point is worth Rs. 0.25, so 10 points per Rs. 100 is an effective 2.5% back and the base rate is 0.125%.

Heads-up: A Reward Point is worth Rs. 0.25, so the headline 20 points per Rs. 100 is an effective 5% back, and the base rate is 0.25%.

Heads-up: NeuCoins are spendable on Tata Neu and across Tata brands. They cannot be taken as cashback or statement credit.

Heads-up: First Citizen Points are a Shoppers Stop currency — they redeem there and nowhere else, under that programme's own rules.

Heads-up: From 13 March 2025 the international lounge allowance is one complimentary visit a calendar quarter, down from the earlier Priority Pass…

Heads-up: Reward Points convert to Fabfamily Rewards and can be redeemed only for shopping at Fabindia stores and on fabindia.com. They cannot be…

Heads-up: A Reward Point is worth Rs. 0.25, so the headline rates convert at a quarter of their face value. 20 points per Rs. 100 is an effective 5%…

Heads-up: Reported as withdrawn from sale in May 2022, with existing cardholders migrated to SimplySAVE, SimplyCLICK or PRIME SBI Card. Confirm…

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: Reported as withdrawn from sale in May 2022, with existing cardholders migrated to SimplySAVE, SimplyCLICK or PRIME SBI Card. Confirm…

Heads-up: All cashback stops at ₹400 a statement cycle — the 10% categories share that ceiling rather than each having their own. About ₹4,000 of…

Heads-up: The reward is digital gold, so its rupee value moves with the gold price and it cannot be taken as statement credit.

Heads-up: 3.49% foreign currency markup, which eats into the card's own 12-point international rate.

Heads-up: This card is secured against a fixed deposit. The deposit is locked for as long as the card is held.

Heads-up: A Reward Point is worth about Rs. 0.25, so the headline multipliers convert at a quarter of their face value.

Heads-up: The Rs. 4,999 plus GST fee is waived only above Rs. 8,00,000 of annual spending, about Rs. 67,000 a month.

Heads-up: 2 Reward Points per Rs. 150 is a modest base rate, and the value depends entirely on which airline or hotel programme the points are…

Heads-up: All cashback stops at ₹1,500 a statement cycle, with online capped at ₹1,000 inside that. About ₹24,000 of online spend a month reaches the…

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued with effect from 1 September 2023.

Heads-up: 4 Reward Points are worth Re. 1, so 10 points per Rs. 150 is an effective 1.67% back and the base rate is about 0.17%.

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued from 1 September 2023.

Heads-up: The fee is disputed. Kiwi markets the virtual card as lifetime free, while the PNB portal shows Rs. 750 + GST a year plus Rs. 500 for a…