Which credit card pays the most on online and delivery in India?
Of the cards whose terms were read off the issuer, Airtel Axis Bank (Axis Bank) publishes the highest rate on online and delivery in India: 10.00% (at most INR 400 back a month; INR 500 a year, waived above INR 200,000 of spending a year). This is a ranking of published rates, not a recommendation to apply.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
12 read cards · India · online and delivery
The answer, from 12 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 10.00% | Airtel Axis BankcheckedAxis Bank · INR 500 a year, waived above INR 200,000 of spending a year · checked 20 Sep 2026at most INR 400 back a month |
| 2 | 10.00% | HSBC Live+checkedHSBC · INR 999 a year, waived above INR 200,000 of spending a year · checked 18 Sep 2026 |
| 3 | 10.00% | HSBC RuPay CashbackcheckedHSBC · INR 499 a year, waived above INR 200,000 of spending a year · checked 18 Sep 2026 |
| 4 | 5.00% | Kotak Cashback+checkedKotak Mahindra Bank · INR 750 a year, waived above INR 200,000 of spending a year · checked 20 Sep 2026at most INR 750 back a month |
| 5 | 5.00% | SBI CashbackcheckedSBI Card · INR 999 a year · checked 17 Aug 2026at most INR 2,000 back a month; the terms say: All online spend, not a partner list. ₹2,000 cap per statement cycle. |
| 6 | 3.00% | IDFC FIRST Hello CashbackcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026at most INR 1,000 back a month |
| 7 | 1.25%or 2.50% (only at SBI's named online partners) | SimplyCLICK SBI CardcheckedSBI Card · INR 499 a year, waived above INR 100,000 of spending a year · checked 19 Sep 2026 |
| 8 | 1.00% | IndianOil Axis BankcheckedAxis Bank · INR 500 a year, waived above INR 350,000 of spending a year · checked 20 Sep 2026at most INR 50 back a month |
| 9 | 1.00% | IndusInd Pinnacle WorldcheckedIndusInd Bank · fee not read · checked 20 Sep 2026 |
| 10 | 1.00% | RBL CookiescheckedRBL Bank · INR 1,200 a year · checked 20 Sep 2026 |
| 11 | 1.00%or 7.50% (only at Myntra; at most INR 1,333.33 back a month) | Flipkart Axis BankcheckedAxis Bank · INR 500 a year, waived above INR 350,000 of spending a year · checked 20 Sep 2026 |
| 12 | 1.00% | IDFC FIRST Quantum+checkedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
Rates on part of online and delivery
These read cards pay on online and delivery only at the places named. They are not ranked above, because the number is not what the card pays on online and delivery anywhere else.
| Return | Card |
|---|---|
| 5.00% | Amazon Pay ICICIcheckedICICI Bank · no annual fee · checked 12 Sep 2026only at Amazon.in, for Prime members |
| 5.00% | HDFC MillenniacheckedHDFC Bank · INR 1,000 a year · checked 12 Sep 2026only at Partner merchants; at most INR 1,000 back a month |
The right card depends on what you have already spent.
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.
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