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Cards ranked for online shopping
By effective returncashback · category specialist · excl. govt payments
10%
cap: ₹500/mo
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
Verifiedcashback · category specialist · excl. rent, fuel, wallet load, tax, emi, govt
5%
cap: ₹1,000/mo
VerifiedAbout online shopping rewards
Amazon, Flipkart, and other e-commerce purchases. Most transactions in this category route through merchant category codes 5942, 5311, 5651, which is how reward rules identify them. The Kotak Mahindra Bank Myntra leads for online shopping today at 10% effective return. Tapwise tracks reward coverage at 7 online shopping merchants.
What you would earn
Example calculationA ₹1,200 online shopping purchase
₹120 reward
Kotak Mahindra Bank Myntra, 10% effective cashback. Once you cross ₹500 of reward this month, the rule stops paying.
Frequently asked
5 questionsWhich credit card earns the most on online shopping in India?
The Kotak Mahindra Bank Myntra earns 10% effective return on online shopping, the highest of the 8 cards Tapwise tracks in this category. Reward is capped at ₹500 per month.
Which MCC codes count as online shopping?
Tapwise treats merchant category codes 5942, 5311, 5651 as online shopping when matching reward rules. Card networks assign the MCC at the merchant level, so the same purchase will be tagged the same way across cards.
How many online shopping cards have a category-specific reward?
6 of the 8 ranked cards have a rule specifically for online shopping. The rest fall back to their base rate at this category.
Which merchants count as online shopping on Tapwise?
Common online shopping merchants include Ajio, Amazon, Flipkart. See the merchant list on this page for the full set; each has its own dedicated reward breakdown.
How often does Tapwise update online shopping reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.