Which Online Shopping Credit Cards are Available on Moneyview?

Detailed Breakdown: Online Shopping Cards on Moneyview

Now, let us look at each of the cards that you can apply for through the Moneyview app in detail. 

1. SBI Simply Click Credit Card - Best for e-Shopping Rewards

This card is a favourite among frequent shoppers on specific websites. It simplifies rewards by giving you points instead of complex cashback structures.

• Joining Fee

  • ₹499 + Taxes

• Annual Fee

  • ₹499 + Taxes, second year onwards

  • Annual fee reversed on spending more than ₹1 Lakh in the previous year

• Cashback & Other Benefits

  • 10X reward points on online spends with exclusive partners

  • 5X reward points on all other online spends

  • 1 reward point per ₹100 on all other spends

  • Get e-vouchers from Cleartrip and Yatra worth ₹2,000 on annual online spends of ₹1 Lakh and ₹2 Lakh, respectively

• Fuel Surcharge Waiver

• 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 across petrol pumps in India

• Maximum waiver of ₹100 per statement cycle per credit card.

2. IDFC FIRST SWYP Credit Card - Best for Digital Natives

The SWYP card is designed for younger shoppers who want a blend of lifestyle perks and easy-to-track rewards.

• Joining Fee

  • ₹499 + Taxes

• Amazon gift vouchers worth ₹500 on spending ₹5,000 and above in the first 30 days of paying the joining fee

• Annual Fee

  • ₹499 + Taxes

  • Get 2000 reward points worth ₹500 on spending ₹5,000 within 45 days of paying the annual fee

• Cashback & Other Benefits

  • Instant discount worth ₹1,500 on hotel and flight bookings

  • Instant discounts of up to ₹2,100 (₹700 per month) on flights or hotels, every month, for the first 3 months

  • 1000 reward points worth ₹250 on the first EMI transaction done within 30 days of card activation

  • Lenskart Gold Max membership for 1 year

  • Flat 10% off on the first transaction on Mokobara.com within 90 days of card activation

  • Buy 1 get 1 coffee free on eligible outlets, on spending ₹20,000 in the previous month on the card

  • 10% off up to ₹100 on orders over ₹299 on Zomato, once a month

  • 10% off up to ₹500 on transactions above ₹5,000 on EasyMyTrip, once a month

  • 20% off up to ₹80 on orders above ₹299 on Domino’s, twice in a month

  • 10% off up to ₹100 on spending a minimum of ₹999 on TataCliq Fashion, once a month

  • 10% off up to ₹50 on spending a minimum of ₹499 on Zepto, once a month

  • 10% off up to ₹500 on transactions above ₹3,000 on Nykaa Beauty/Men/Fashion, once a month on each platform

  • 10% off up to ₹500 on transactions above ₹5,000 on domestic flight booking; and 20% off up to ₹500 on domestic flights and hotels on minimum spends of ₹2,000, once a month on Goibibo

  • 10% off up to ₹350 on spending more than ₹850 on Myntra FWD, once a month

  • 4 complimentary railway lounge access per quarter

  • 25% off on movie tickets

  • Personal accident cover of up to ₹2 Lakh                                 

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver up to ₹200 per month at all fuel stations across India

3. IDFC Bank Millenia Credit Card - The Beginner’s Card

A great first card for someone earning ₹25,000 to ₹35,000 per month.

• No Joining & Annual Fee

• Cashback & Other Benefits

  • Choose a gift voucher worth ₹500 from brands like Amazon, BigBasket, Uber and Lifestyle on spending ₹5,000 or more within 30 days of card generation. 

  • Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days of card generation. 

  • Get 25% off up to ₹100 on movie tickets booked via the District by Zomato mobile app every month 

  • Up to 20% off at 1500+ restaurants and up to 15% off at 3000+ Health & Wellness outlets 

  • Activate UPI at just ₹199

  • 10X reward points on incremental spends above ₹20,000 per statement cycle, and spends made on your birthday

  • 3X reward points on spends till ₹20,000 in a statement cycle

  • 1X reward points on Insurance premium payments and utility bill payments

• Fuel Surcharge Waiver

  • Fuel surcharge waiver of 1% up to ₹200 every month at fuel stations across India, applicable only on transactions between ₹200 and ₹5,000

4. Flipkart Axis Bank Credit Card - Best for Fashion

If you shop frequently on Myntra or Flipkart, this card offers high flat savings.

• No Joining Fee

• Annual Fee

  • ₹500, second year onwards 

  • Annual fee waived off on spending more than ₹3,50,000 in a year, rent and wallet load transactions are not eligible

• Cashback & Other Benefits

  • Flipkart voucher worth ₹250 on making the first transaction using the card within 30 days of card issuance

  • 5% cashback on Flipkart and Cleartrip spends, capped at ₹4,000 per statement quarter per merchant

  • 7.5% cashback on Myntra spends capped at ₹4,000 per statement quarter

  • Savings are capped at ₹4,000 per quarter per merchant

  • ₹350 worth of activation benefits

  • 50% off up to ₹100 on a Swiggy order for new Swiggy users

  • Unlimited 4% cashback on preferred merchants, unlimited 1% cashback on other eligible categories

  • Exciting offers every Wednesday, like instant savings of up to 15% on flights and hotels via MakeMyTrip, 10% off on Swiggy orders, 10% off up to ₹1000 on Tira

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. Applicable on transactions between 400 and ₹4,000, max benefits up to ₹400 per statement cycle

5. Axis Bank Select Credit Card - For the Premium Shopper

If you have a higher income bracket and spend heavily on retail and lifestyle, the Select card provides high-value returns. 

• Joining Fee

  • ₹3,000, NIL for Burgundy

• Annual Fee

  • ₹3,000, from the second year

  • NIL for Burgundy

  • Annual fee waived off on spending ₹8 Lakh in a year

• Cashback & Other Benefits

  • 10,000 EDGE reward points worth ₹2,000 on the first card transaction made within 30 days of card issuance; not applicable for lifetime free or burgundy account holders

  • 5000 EDGE reward points on spending ₹3 Lakh in the card anniversary year

  • 10 Axis EDGE points on every ₹200 spent

  • 2X reward points on every  ₹200 spent on retail shopping

  • 2X EDGE reward points up to cumulative transactions of ₹20,000 per month. On spending above ₹20,000 per month, earn 10X EDGE reward points

  • Buy 1 and get 1 on movie tickets booked via the District app & up to ₹250 off, twice a month

  • ₹500 off every month on a minimum purchase of ₹2,500 on the BigBasket mobile app/website, once per month

  • ₹299 off on Swiggy on minimum transactions of ₹1,000 per order, valid twice a month

  • Savings of up to 15% on flights and hotels via MakeMyTrip

  • 10% off on Swiggy orders

  • 10% off up to ₹1,000 on Tira

  • Up to 12 complimentary international airport lounge access through Priority Pass membership

  • 2 complimentary domestic lounge visits per quarter on spending ₹50,000 in the last 3 months

  • Priority Pass membership renewal on spending ₹3 Lakh in a year

  • Purchase protection of up to ₹1 Lakh

  • Cumulative coverage of up to $500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage

• Fuel Surcharge Waiver

  • 1% fuel surcharge refund on fuel purchase at fuel stations across India

  • Valid on transactions between ₹400 and ₹4,000 only.

  • Maximum benefits of ₹400 per statement cycle.

What are Some Other Top Credit Cards for Online Shopping in 2026?

With major banks like SBI Card and Axis Bank revamping their reward structures in April 2026, simply having a card isn't enough anymore. Whether you are looking for your first Lifetime Free (LTF) card or a high spender who tracks every reward point, the landscape has shifted. Most reward cards have spend-linked caps and merchant-specific value-back. 

Let’s look at the highlights of the best credit cards for online shopping -

Detailed Breakdown: Top Online Shopping Cards for 2026

Now, let us look at each of the cards in detail. 

1. SBI Cashback Credit Card - Universal 5% Savings

This remains the "Gold Standard" for online shopping because it gives you cashback on almost any website (Ajio, Nykaa, Local Stores, etc.).

• Joining Fee

  • ₹999 + Taxes

• Annual Fee

  • ₹999 + Taxes

  • Reversal of renewal fee on spending ₹2 Lakh in a year

• Cashback & Other Benefits

  • 5% cashback on online spends, no merchant restrictions

  • 1% cashback on offline transactions. 

  • Cashback is auto-credited to your SBI card account within 2 days of the next statement generation

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000, at all petrol pumps across India. 

  • Maximum waiver of ₹100 per statement cycle, per credit card account

2. Amazon Pay ICICI Bank Credit Card - Best Lifetime Free

The most reliable card for Amazon Prime members. It is Lifetime Free (LTF), meaning you pay ₹0 fees forever. 

• No Joining & Annual Fee

• Cashback & Other Benefits

  • Unlimited, never-expiring reward points 

  • 5% on Amazon (Prime) or 3% (Non-Prime)

  • Low forex markup of 1.99% on all international spends

  • Unlimited reward points of 1% on all other spends 

• Fuel Surcharge Waiver

• 1% fuel surcharge waiver for all fuel purchases

3. Swiggy HDFC Bank Credit Card - Daily Essentials

Perfect for urban users who rely on Instamart and Food delivery daily.

• Joining Fee

  • ₹500 + Applicable charges

• Annual Fee

  • ₹500 + Applicable charges

  • Annual fee waived off on spending ₹2 Lakh or more in a year before your credit card renewal date

• Cashback & Other Benefits

  • 5% cashback on online spends

  • 1% cashback on other categories, except fuel, rent, EMI, wallet, jewellery, and government-related transactions

  • Complimentary 3 months Swiggy One membership, on activating your card within 30 days of card issuance

  • 10% cashback on spends across Swiggy on food orders, Instamart, Dineout, and Genie

  • Up to 50 days of interest-free credit from the date of purchase

  • 4 complimentary rounds of green fees per calendar year, 12 free golf lessons every year. Get golf services at 50% of the green fee beyond complimentary sessions. 

  • Convert large transactions to a SmartEMI after purchase

  • Contactless payments and protection against fraudulent transactions 

4. HDFC Millennia Credit Card - The Young Professional’s Choice

Targets 10 popular partner brands, including Zomato, BookMyShow, and Sony LIV.

• Joining Fee

  • ₹1,000 + Applicable charges

• Annual Fee

  • ₹1,000 + Applicable charges

  • Annual fee waived off on spending ₹1 Lakh or more in a year before your credit card renewal date

• Cashback & Other Benefits

  • 5% CashBack on leading brands - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit

  • 1% CashBack on other Spends 

  • Up to 10% cashback across 200+ bands via SmartBuy/PayZapp shop

  • Pay your membership fee and get reward points equivalent to the fee amount

  • Get either a ₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter

  • Quarterly spend-based Domestic Airport Lounge Access 

  • 10% additional discount on Swiggy Dineout, using the coupon code HDFCCARDS

  • Up to 50 days of interest-free period from the date of purchase (subject to the submission of the charge by the Merchant) 

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India, on a minimum transaction of ₹400 and a maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle.

5. Axis Bank ACE Credit Card - The Bill Payment King

While great for general shopping (1.5% uncapped), its real power is utility bills.

• Joining Fee

  • ₹499 

  • NIL for select channels, limited-time offer

• Annual Fee

  • ₹499

  • Annual fee waived off on annual spends greater than ₹2 Lakh

• Cashback & Other Benefits

  • 5% cashback on utility bill payments

  • 4% cashback on Swiggy, Zomato and Ola

  • 1.5% cashback on all other spends

  • 4 complimentary lounge access per year 

  • Up to 15% off at over 4000 partner restaurants across India

  • Convert purchases into EMIs

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on fuel purchase across India, valid on transactions between ₹400 to ₹4,000, max benefit of ₹500 per statement

6. Tata Neu HDFC Bank Credit Card - The Brand Powerhouse

Ideal for those who buy groceries from BigBasket, electronics from Croma, or medicines from 1mg.

• Joining Fee

  • ₹1,499 + Applicable charges

• Annual Fee

  • ₹1,499 + Applicable charges

  • Renewal fee waived off on spending ₹3 Lakh or more in a year before the renewal date

• Cashback & Other Benefits

  • 5% back as NeuCoins on Tata Neu and partner Tata Brand Spends 

  • Additional 5% back as NeuCoins on selected Tata Neu Spends, post registering for Tata NeuPass 

  • 1.5% back as NeuCoins on other Non-UPI spends 

  • 2 Domestic lounge visits per quarter on spending ₹50,000 or more in a quarter.

  • Using a Priority Pass, the cardholder and the add-on member can get up to 4 complimentary international lounge accesses.

  • Get 1499 Neu coins on the Tata Neu app as a reversal of the 1st year membership fee

  • Accidental air death cover worth ₹1 Crore

  • Emergency overseas hospitalisation up to ₹15 Lakh

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India on a transaction of ₹400 to ₹5,000. Maximum waiver of ₹500 per statement cycle.

7. HSBC Live+ Credit Card - High Grocery Savings

A strong competitor for household managers who spend heavily on groceries and dining out.

• Joining Fee

  • ₹999 

• Annual Fee

  • ₹999

  • Annual fee waived off if you spend more than ₹2 Lakh per year 

• Cashback & Other Benefits

  • 10% accelerated cashback, up to ₹1,000 a month, on all dining, food delivery and grocery spends

  • 1.5% unlimited cashback on most other spends

  • Get ₹1,000 cashback when you download and log in to the HSBC India Mobile Banking app and spend ₹20,000 within the first 30 days of getting your card

  • Receive a voucher worth up to ₹500 for Amazon Pay, Zomato and Swiggy when you activate your card with a single transaction of ₹300 or more 

  • Get a ₹250 Amazon eGift Voucher when you apply online, verify yourself by video and receive your card. 

  • Treat yourself with 10% cashback on dining and food delivery, around town and across India. 

  • Binge movies and shows at home or at the cinema, and earn 1.5% unlimited cashback on them too.

  • Get 10% off on transactions of ₹3,500 or more, and enjoy movies on the big screen for less with buy-one-get-one cinema tickets. 

  • Enjoy 4 complimentary domestic airport lounge access, one per quarter

  • Get 1.5% cashback on selected additional spending categories at home and abroad 

  • Enjoy complimentary flight seat selections twice a year on domestic flights booked with MakeMyTrip

  • Get a free 12-month Times Prime subscription, giving you free access to Spotify Premium, Uber One, Discovery+, Moneycontrol Pro, Lenskart Gold and more

  • Earn 15% cashback with MakeMyTrip, Get cashback added to your MakeMyTrip Wallet in 'My Cash' for hotel stays in India when you book with MakeMyTrip – (Use promo code: VISASIGNATURE)

8. Airtel Axis Bank Credit Card - The Utility Specialist

This card is best for paying high electricity, WiFi, and mobile bills while using the card for regular grocery shopping.

• Joining Fee

  • ₹500

  • NIL, limited-time offer. Not valid for existing Axis Bank credit card customers.

  • Waived off for the add-on card.

• Annual Fee

  • ₹500

  • Annual fee waived off on annual spends greater than ₹2 Lakh.

  • Waived off for the add-on card.

• Cashback & Other Benefits

  • Get an Amazon eVoucher worth ₹250 on the first transaction made within 30 days of card issuance

  • 25% cashback on Airtel Broadband, WiFi and DTH bill payments via the Airtel Thanks app

  • Exciting offers every Wednesday

• Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across India

  • Valid on transactions between ₹400 and ₹4,000, maximum benefit up to ₹500 per statement

  • No cashback earned on fuel transactions

Conclusion