Co-branded shopping cards pay their best rate inside one ecosystem. If most of your online spending goes through a single platform, the accelerated rate on that platform usually beats a general rewards card.
HDFC Millennia Credit Card
HDFC Bank- 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber and other partners
- 1% cashback on all other spending
- 8 complimentary domestic lounge visits a year
Amazon Pay ICICI Credit Card
ICICI Bank- Lifetime free — no joining or annual fee
- 5% back for Amazon Prime members on Amazon, 3% for non-members
- 2% back on partner merchants, 1% everywhere else
Axis Bank ACE Credit Card
Axis Bank- 5% cashback on electricity, gas, mobile and DTH bills paid through Google Pay
- 4% cashback on Swiggy, Zomato and Ola
- 2% cashback on everything else, uncapped
Not sure which card fits?
Tell us where you spend and an advisor will tell you which card actually pays for itself.