Credit card savings
Marketplaces, fashion, electronics. See which cards could return the most on your online spend.
Estimated value, based on your input and published reward rates as of the date shown on each card, not a guaranteed figure. Assumes only online shopping spend, a salaried income of ₹75,000 a month and no fee limit. Merchant-specific offers and first-year benefits aren't counted, so estimates lean conservative. Ranked by estimated value only, never by commission; some links are affiliate links (disclosure).
#1
State Bank of India
≈ ₹5,001a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
#2
HDFC Bank
≈ ₹3,000a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
#3
Federal Bank
≈ ₹2,400a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
Want a result based on all your spending?
CardMatch starts with your ₹10,000 online shopping spend and asks a few more questions.
Refine in CardMatch →We take your monthly online shopping spend, apply each card's published reward rate for that category (respecting any monthly or annual caps), add rewards on the rest of your spending at the base rate, and subtract the annual fee unless your spend qualifies for a waiver. It is an estimate based on your inputs and the reward rates as of the date shown on each card, not a guaranteed figure.
We rank only cards whose reward rules we have verified against the issuer's own terms, by estimated net yearly value after fees. Cards without verified rules are never given a value number. Ranking never depends on commission.
Merchant-specific and tiered offers, first-year welcome benefits and joining fees are not counted in the yearly figure, so estimates lean conservative. Eligibility also depends on your income, credit profile and the issuer's decision. For a result based on all your spending, use CardMatch.
Some apply links are affiliate links and OnePaisa may earn a commission if you apply. It does not change the ranking or the estimates. See our disclosure page for details.