Best E-commerce & Brands Credit Cards
4 cards
Exclusive benefits tied to a specific brand — airlines, hotels, or e-commerce platforms you already use.
₹500 (Waived on ₹3.5L spend)
7.5% on Myntra, 5% on Flipkart
Pros
- 7.5% cashback on Myntra (capped at ₹4,000 per quarter)
- 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
Cons
- High ₹3.5L spend waiver threshold
- Cashback credited as reward points, not direct statement credit
₹500 (Waived on ₹2L spend)
25% on Airtel Bills
Pros
- 25% cashback on Airtel bills — unmatched telecom savings
- 10% value back on Zomato, Blinkit & District Movies (max ₹200/partner per month, min order ₹499)
Cons
- Cashback caps now tied to base (1%) spend — Airtel telecom cap = 2× base cashback earned; utility cap = 1× base cashback
- Zomato/Blinkit/District value back credited to partner wallets, not bank statement
₹2,999 + taxes (Signature) / Lifetime Free (Platinum variant)
Extra 25% off Dining (Signature) / 20% off (Platinum)
Pros
- Complimentary EazyDiner Prime membership (worth ₹3,550, auto-renewed yearly)
- Stacked dining discounts at 2,000+ partner restaurants
Cons
- Signature variant: 25% off capped at ₹1,000/transaction and ₹5,000/month
- Best savings only at EazyDiner partner restaurants
₹499 (Waived on ₹1L spend)
10X on Partner Brands
Pros
- 10X rewards (2.5% return) at 10 partners: Cleartrip, BookMyShow, EazyDiner, Netmeds, Apollo 24/7, Myntra, Yatra, Dominos, IGP, Lenskart
- ₹2,000 Cleartrip e-voucher each at ₹1L and ₹2L annual online spend milestones
Cons
- Offline spends earn a dismal 1 RP per ₹100 (0.25% return)
- No airport lounge access whatsoever
How to choose a e-commerce & brands credit card
Co-branded e-commerce cards offer the highest accelerated rates of any Indian credit-card category — 7.5% on Myntra, 5% on Flipkart, 25% on Airtel bills — but only inside the partner's ecosystem. They're narrow tools that print money if your spending pattern matches the brand, and a waste if it doesn't.
What to look for
Headline rate at the partner brand. Flipkart Axis: 7.5% Myntra / 5% Flipkart. Amazon Pay ICICI: 5% for Prime members on Amazon. SBI SimplyCLICK: 10X on 10 partners. Airtel Axis: 25% on Airtel telecom bills. The numbers are real and the caps and conditions matter — but these rates and partner lists (as of mid-2026) are revised often, so verify on the issuer's current T&C before applying.
Cap and minimum-transaction. Flipkart Axis caps Myntra cashback at ₹4,000/quarter. SBI SimplyCLICK's 10X applies on ₹1,000+ transactions. Airtel Axis's 25% caps at 2x base cashback earned, indirectly limiting telecom rewards. Read the cap carefully.
Non-partner-spend reward rate. Outside the partner brand these cards usually drop to ~1% — sometimes less. If you'd use the card for non-partner spends too, your blended rate will be much lower than the headline.
Switching cost. These cards reward narrow loyalty. If your shopping shifts (Flipkart → Amazon, Airtel → Jio), the card becomes useless overnight. Re-evaluate annually.
Who should get one
Get a co-brand card if your spending strongly favours one ecosystem — heavy Amazon Prime shopper, Flipkart Plus member, Airtel postpaid subscriber. The accelerated rate easily clears the fee for high-volume users in that ecosystem.
Skip if your e-commerce spending is split evenly across platforms. A general online-cashback card (SBI Cashback, HDFC Millennia) earns close-to-co-brand rates across more retailers, with less ecosystem lock-in.