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Mathematically ranked · हिन्दी

Best credit cards for Amazon and Flipkart

Amazon and Flipkart account for most online shopping in India. The right card can earn you 5% back on every order. We compared the top options on a heavy ₹8,000/month online shopping spend.

Last updated: August 2026 · Based on current card terms
INDUSIND
CRED
ASHOK KUMAR
AMERICAN E
SMARTEARN
ASHOK KUMAR
YES
POP-CLUB
ASHOK KUMAR
Top 3 cards for your spend
1
Best overall
YES Bank POP-Club Credit Card
YES Bank
₹4,401Annual benefit
10 POPcoins per ₹100 on online/e-commerce spends; 2 POPcoins per ₹100 on offline spends; additional accelerated POPcoins specifically on UPI transactions made through the POP Club app; 1 POPcoin = up to ₹1, though independent reviews note realised redemption value often runs below this headline rate; redeemable across 80+ partner brands and vouchers within the POP Club app ecosystem, not as flexible cashbackReward rate
₹0 joining, ₹399 + GST annual (waived on ₹1,50,000 annual spend, confirmed from the official MITC; some sources suggest this fee may currently be waived entirely as a limited-time launch offer until March 31, 2027, though this isn't confirmed in the MITC itself)Annual fee

The YES Bank POP-Club Credit Card offers a genuinely strong 10% headline rate on online spending backed by a valuable welcome bundle, but its real value depends heavily on actually using the POP Club app's voucher ecosystem rather than treating POPcoins as flexible cashback - several reviews note the realised redemption value often falls short of the advertised rate. It makes sense specifically for new-to-YES-Bank online shoppers willing to engage with that app; existing YES Bank cardholders cannot apply at all, and light offline spenders will find better options elsewhere.

10 POPcoins per ₹100 on online/e-commerce spends, a strong headline rate for a lifetime-free-tier cardAdditional accelerated POPcoins on UPI transactions made via the POP Club app specificallyWelcome benefits worth up to ₹5,000: Zomato Gold Mini, Blinkit deliveries, a Cleartrip voucher, Rapido ride passes, PharmEasy Plus membership and a Cult Sport voucher
Min income: Not publicly specified; restricted to new YES Bank credit card customers - existing YES Bank cardholders are explicitly not eligible to apply, per independent reviews (this restriction isn't addressed in the official MITC)
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2
Runner up
Amex SmartEarn Credit Card
American Express
₹4,305Annual benefit
10X points on Zomato, Swiggy, Amazon; 5X on othersReward rate
₹495 + taxes (waived on ₹40K spend)Annual fee

The Amex SmartEarn is the best entry point into the Amex ecosystem. 10X points on Swiggy, Zomato and Amazon is exceptional.

10X Membership Rewards on Swiggy and Zomato10X on Amazon5X on all other spends
Min income: ₹4.5L+ per year
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3
Also consider
CRED IndusInd Bank RuPay Credit Card
IndusInd Bank
₹4,301Annual benefit
5 CRED Points per ₹100 on e-commerce and CRED transactions (5%); 1 CP on others; 1 CP = ₹1Reward rate
₹0 joining; ₹499 + taxes annual from Year 2Annual fee

The CRED IndusInd card is excellent for existing CRED users who pay bills and shop via the CRED app. The 5% return with 1:1 redemption is the highest among cards at this fee level. If you do not actively use CRED, the base 1% rate is not compelling.

5 CRED Points per ₹100 on e-commerce, CRED Pay, CRED UPI, CRED Travel and CRED Store (capped 5,000 CP/month)1 CRED Point per ₹100 on all other spends1 CRED Point = ₹1, redeemable for travel, hotel bookings or statement credit
Min income: ₹20,000/month (salaried)
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Related guides
Best Fuel Credit Cards →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
How we picked these cards

We calculated the net annual benefit for every card in our database using verified reward rates on a typical Amazon and Flipkart spend profile, then ranked by net benefit after subtracting the annual fee. Cards with waivable fees were evaluated at zero cost if the spend threshold is realistic.

What to look for in a Amazon and Flipkart credit card

Beyond the headline reward rate, check whether the card has a monthly cap on cashback, whether the reward is actual cashback or redeemable points, and whether the annual fee is waivable at your spend level.

Should you get more than one card?

Many smart spenders hold 2 cards: one optimised for their top category and one flat-rate card for everything else. Use our personalised tool to find the best combination for your full spend profile.

Frequently asked questions
Based on our analysis of 120+ Indian credit cards, YES Bank POP-Club Credit Card is the best Amazon and Flipkart credit card in India, offering ₹4,401 annual benefit on a typical spend profile.
Among Amazon and Flipkart credit cards, lifetime free options include cards like IDFC FIRST Millennia, Scapia Federal and HSBC Visa Platinum. Use our tool above to find the best zero-fee card for your spend profile.
We rank Amazon and Flipkart credit cards by calculating the exact annual rupee benefit using hardcoded, verified reward rates, not AI-generated estimates. Every card is scored on a realistic monthly spend profile for this category, with the annual fee subtracted to show net benefit.
A Amazon and Flipkart-specific card makes sense if you spend heavily in that category every month. If your spending is spread across multiple categories, a flat cashback card like Axis ACE (1.5% on everything) may deliver better overall returns. Use our personalised tool to compare both for your actual spend.
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