Question 1

Which credit card is best for online shopping in India?

Accepted Answer

The best shopping card depends on where you buy most. Amazon Prime members benefit most from the Amazon Pay ICICI card (5% cashback). Flipkart shoppers get the best value from the Axis Bank Flipkart card. For variety across platforms, a flat-cashback card on all online transactions works well.

Question 2

Do shopping credit cards work on both Amazon and Flipkart?

Accepted Answer

Most general cashback credit cards work on both platforms. Co-branded cards (like Amazon Pay ICICI or Flipkart Axis) give higher rewards on their affiliated platform and standard rewards on others. Brand-agnostic cards give consistent returns everywhere.

Question 3

Which credit card gives the best rewards on grocery shopping?

Accepted Answer

Several cards offer accelerated rewards on groceries — typically 5–10% cashback or high reward multipliers at supermarkets. Check whether the accelerated rate applies to your preferred channels: online delivery apps versus offline supermarkets are sometimes treated differently.

Question 4

Are there credit cards with no-cost EMI for large purchases?

Accepted Answer

Most major Indian credit cards from HDFC, ICICI, SBI, and Axis Bank offer no-cost EMI on large purchases, often available directly at e-commerce checkouts. Eligible amounts and tenure options vary by card and merchant.

Question 5

Do shopping credit cards give rewards on food delivery apps like Swiggy and Zomato?

Accepted Answer

Rewards on food delivery apps vary by card. Some cards exclude delivery from their high-earn categories; others include it under 'dining' or 'online spends'. Check the card's category definitions in the reward terms before assuming you'll earn at the higher rate.

Best Shopping Credit Cards of June 2026

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