Which credit card gives the highest cashback on online shopping?
Sridevi Das
Asked 8 May 2026
I spend around ₹2,00,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
2 Answers
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
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