In today’s digital-first world, online shopping isn’t just convenient – it’s a lifestyle. From ordering groceries to buying the latest tech gadgets, almost everything happens in just a few taps. But what if you could earn rewards, cashback, and exclusive offers every time you shop online?
That’s where credit cards come in. The right credit card can turn your everyday online shopping into smart financial gains. Be it Amazon, Flipkart, or your favorite food delivery app, some cards offer irresistible cashback, reward points, and additional benefits.
In this article, we’ll explore the best credit cards for online shopping in India, comparing their features, fees, and benefits so you can find the perfect one for your lifestyle and spending habits.
Why choose a credit card for online shopping?
Before moving on to the top options, it’s important to understand why credit cards make online shopping smarter and safer:
- Cashback and Rewards: Earn money or points back on every purchase.
- Exclusive Offers: Get instant discounts and access to brand tie-ups.
- Secure Transactions: Enjoy zero-liability protection for unauthorized use.
- Flexible Payment: Buy now, pay later options make big purchases easy.
- Credit Score Building: Regular, disciplined usage improves your financial profile.
Top 5 Best Credit Cards for Online Shopping in India
1. HDFC Millenia Credit Card
Ideal: For frequent online shoppers and digital payment users.
Key Benefits:
- 5% cashback on Amazon, Flipkart, Myntra and other partner websites.
- 1% cashback on all other spending.
- Free airport lounge access (domestic).
Annual Fee: ₹1,000 (waived on annual spending of ₹1 lakh).
Why it’s great:
Suitable for those who shop online frequently and want cashback instead of a complicated rewards system.
2. SBI SimplyCLICK Credit Card
Ideal for: Regular online shoppers who want high rewards on digital spending.
Key benefits:
- 10x reward points on Amazon, BookMyShow and Cleartrip.
- 5x points on all other online transactions.
- E-gift voucher worth Rs 500 on joining.
Annual fee: Rs 499 (refundable on spending Rs 1 lakh annually).
Why it’s great:
SBI SimplyCLICK is a choice for young professionals who frequently shop online, stream and travel.
3. Axis Bank Neo Credit Card
Ideal for: Shoppers who love discounts and partnerships with leading brands.
Key benefits:
- 10% instant discount on Amazon, Myntra and BookMyShow.
- 5% discount on utility bill payments through Axis Pay.
- Free Zomato Pro and Grofers membership offer.
Annual fee: Only Rs. 250.
Why it’s great:
A low-cost credit card that still offers valuable e-commerce offers for everyday shoppers.
4. Amazon Pay ICICI Credit Card
Ideal: For loyal Amazon customers and Prime members.
Key benefits:
- 5% cashback for Amazon Prime members and 3% for non-Prime users.
- 1% cashback on all other online and offline spending.
- No annual or joining fees.
- Direct cashback (credited to Amazon Pay balance).
Why it’s great:
It is one of the most popular credit cards in India for online shopping due to its simplicity and direct cashback system.
5. Flipkart Axis Bank Credit Card
Ideal: For Flipkart and Myntra enthusiasts who love discounts and rewards.
Key benefits:
- 5% cashback on Flipkart and Myntra purchases.
- 4% on select merchants like Swiggy and Uber.
- 1.5% on all other spending.
- Complimentary airport lounge access.
Why it’s great:
If you love Flipkart’s sales and loyalty program, this card will effortlessly boost your savings.
How to choose the right credit card for online shopping
When choosing your ideal credit card, consider:
- Your shopping habits: Choose cards that are compatible with your favorite sites (e.g., Amazon or Flipkart).
- Rewards vs. cashback: Cashback cards are straightforward, while rewards cards are perfect for frequent travelers or luxury shoppers.
- Annual fee: Choose cards that offer fee waivers based on spending milestones.
- Partner offers: Look for tie-ups with your favorite e-commerce and delivery platforms.
- Security features: Check for fraud protection and contactless payment support.
Tips for getting the most out of your credit cards
- Always pay your bills on time to avoid interest and maintain a good credit score.
- Track your spending to stay within your budget.
- Redeem your reward points before they expire.
- Take advantage of festive offers and partner discounts.
- Use your credit card for high-value transactions to reach fee-waiver milestones.
Choosing the best credit card for online shopping isn’t just about cashback or rewards—it’s about convenience, safety, and maximizing value with every purchase. Whether you’re a frequent shopper or a casual buyer, there’s a perfect card out there tailored to your needs.
Start by evaluating your shopping patterns, preferred brands, and spending habits, then pick a card that rewards your lifestyle. With smart use, your credit card can become a powerful tool for both savings and financial growth.
Hi readers. I’m Piyali Batabyal, a passionate blogger who loves to share her thoughts, ideas, and experiences across a variety of topics—from lifestyle and beauty to personal growth and creativity. With a curious mind and a love for words.
Alongside my writing, I am also a professional makeup artist with a flair for enhancing natural beauty and creating transformative looks.