Choosing the right shopping credit card can make a significant difference when it comes to getting the most out of your shopping. From cashback on purchases to exclusive discounts and additional perks, these credit cards cater to the diverse needs of consumers. Shopping credit cards offer numerous deals, discounts, cashback, and reward points to users every time they shop at stores or online. To help you find the best shopping credit cards, we have listed the top online as well offline shopping credit cards in India for 2026.
Best Shopping Credit Cards in India for 2026
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Best Credit Cards for Online Shopping in India
4/5
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Cashback
Online Shopping
Joining fee ₹999|Renewal Fee ₹999
5% cashback on online spends
Up to Rs. 48,000 cashback in a year
Fee waived on Rs. 2 lakh annual spends
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4/5
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Cashback
Online Shopping
Joining fee ₹1,000|Renewal Fee ₹1,000
5% cashback on popular everyday brands
1,000 bonus points on card activation
Up to 10% off on partner restaurants
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4/5
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Cashback
Online Shopping
Joining fee ₹0|Renewal Fee ₹500
7.5% cashback on Myntra
5% cashback on spends at Flipkart
5% cashback on Cleartrip
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4/5
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Shopping
Rewards
Joining fee ₹500|Renewal Fee ₹500
Low joining and annual fee of Rs. 500
Up to 10x rewards on multiple brands
Extra 10% discount via Swiggy Dineout
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4/5
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Rewards
Online Shopping
Joining fee ₹499|Renewal Fee ₹499
5X rewards on online shopping
10X rewards on Dominos, Myntra, Yatra & more
Low annual fee & easy approval
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Best Credit Cards for Offline Shopping in India
4/5
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Shopping
Rewards
Joining fee ₹3,000|Renewal Fee ₹3,000
Discount on Swiggy, BigBasket & District apps
Complimentary lounge access worldwide
2X rewards across all retail spends
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4/5
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Travel
Shopping
Rewards
Joining fee ₹2,500|Renewal Fee ₹2,500
5X rewards on Nykaa, Myntra & more
Vouchers up to Rs. 16,000 every year
12 domestic & 6 int. visits per year
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4/5
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Travel
Shopping
Rewards
Joining fee ₹2,999|Renewal Fee ₹2,999
5X rewards on dining, movies & grocery
Pizza Hut vouchers worth up to Rs. 4,000 in a year
8 domestic & 4 international visits yearly
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4/5
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Shopping
Joining fee ₹0|Renewal Fee ₹499
Save up to 7% on Tata Neu
2% value back as NeuCoins
Complimentary lounge access
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4/5
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Shopping
Rewards
Joining fee ₹500|Renewal Fee ₹500
Low annual fee of Rs. 500
Benefits on Reliance Group brands
Up to 5 reward points on every Rs. 100
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Value-back Comparison: Top Shopping Credit Cards
To help you find the right card, here we have compiled the value-back offered best credit cards in India for shopping around popular online and offline shopping brands. Look for a card that can help you earn substantial returns on your major purchases, justifying the fee you pay and benefits you derive as aligned with rewards capping and exclusions.
How to choose the right shopping credit card?
Different people have different shopping needs. For instance, some would prefer e-commerce platforms over stores, while others would have preferences even among these online shopping websites.
Your choice of the right shopping card will depend on how you plan to use the credit card. We have categorized the shopping credit cards above based on what category they are best suited for.
Once you have decided why you need the card and have shortlisted a few, the next step would be a comparison of those cards on the following grounds:
How to Apply for a Credit Card Online?
Step 1: Enter your mobile number
Step 2: Enter OTP to verify your mobile number
Step 3: Explore pre-qualified credit card offers from top issuers
Step 4: Select your preferred card and complete the digital application
How to Apply for a Credit Card Online?
Step 1: Enter your mobile number
Step 2: Enter OTP to verify your mobile number
Step 3: Explore pre-qualified credit card offers from top issuers
Step 4: Select your preferred card and complete the digital application
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