Best Credit Cards for Online Shopping

As more people opt for online shopping, there's a growing demand for credit cards that offer rewards for these expenses. Leading banks and financial institutions are introducing credit cards with special benefits for online shopping, covering everything from gadgets to groceries. Some cards provide extra perks with specific platforms, while others offer generous rewards for all online purchases. To assist you in finding the right credit card for your needs, here's a list of The best online shopping credit cards in India.

Best Online Shopping Credit Cards

Shopping Credit Cards Annual Fee* Offers best value-back on Best Feature
Axis Bank Buzz Credit Card Rs. 750 Online Shopping from Flipkart 10% instant discount on Flipkart*
Axis Bank Neo Credit Card Rs. 250 Myntra, BookMyShow, Grofers (Now Blinkit) 10% off on online shopping, recharges and movie tickets
Axis Bank ACE Credit Card Rs. 499 Swiggy, Zomato & Ola 5% cashback on bill payments, DTH, and mobile recharges via Google Pay
Flipkart Axis Bank Credit Card Rs. 500 Flipkart 5% cashback on Flipkart
HDFC Millennia Credit Card Rs. 1,000 Amazon, Flipkart, BookMyShow, Swiggy etc. 5% cashback on Amazon, Flipkart, PayZapp & SmartBuy
HDFC MoneyBack+ Credit Card Rs. 500 No specific brand Up to 10X rewards on online shopping
HSBC Cashback Credit Card Rs. 750 Amazon, BigBasket, Myntra and Ajio A1.5% cashback on all online spends
SBI SimplyCLICK Credit Card Rs. 499 BookMyShow, Cleartrip, Netmeds, etc 10X reward points on online spends
Cashback SBI Card Rs. 999 All brands 5% cashback on all online spends
Amazon Pay ICICI Credit Card Nil Amazon 5% cashback on shopping at Amazon
*Terms and conditions are applicable.

1. Axis Bank Buzz Credit Card

Axis Bank Buzz Credit Card

The Axis Bank Buzz Credit Card is perfect for those who love online shopping, especially at Flipkart. As an entry-level card, it offers attractive benefits, including Flipkart vouchers totaling Rs. 7,000 annually and discounts on your transactions. Moreover, you earn more reward points when you shop online, making it a great choice for frequent online shoppers.

If you're a regular shopper on Flipkart, The Axis Bank Buzz Credit Card is a decent choice. However, its perks beyond Flipkart are pretty standard. To maximize its benefits, you'll need to be strategic about when you shop to catch the best deals. This card can be a good pick for those wanting to build credit while enjoying some online shopping advantages. But, when compared to other co-branded cards like Amazon Pay ICICI and Flipkart Axis, it may not offer as much in terms of additional benefits.

Key Features of Axis Bank Buzz Credit Card
  • Grab a welcome gift of a Flipkart voucher worth Rs. 1,000 by making three purchases within the first 45 days.
  • Enjoy a 10% instant discount on Flipkart purchases from the 1st to the 5th of every month.
  • Get a 5% instant discount on Flipkart shopping from the 6th to the 31st of each month.
  • Earn 2 Axis EDGE reward points for every Rs. 200 spent.
  • Receive 3X Axis EDGE reward points when you shop online.
  • Unlock Flipkart gift vouchers, with a total value of up to Rs. 7,000, by achieving annual spending milestones.

2. Axis Bank NEO Credit Card

Axis Bank NEO Credit Card

The Axis Neo Credit Card is ideal for online shoppers and those who enjoy entertainment perks. It stands out for Myntra enthusiasts, offering a unique "power of 10" scheme with a 10% discount on Myntra, BookMyShow movie tickets, and Grofers (now Blinkit) groceries. Additionally, cardholders can enjoy a 40% discount on Zomato food delivery and a 5% discount on utility bill payments through Amazon Pay. However, it's worth noting that the rewards program is below average, providing only 1 EDGE point for every Rs. 200 spent across all categories. If you're a fan of specific merchants and desire discounts, especially on Myntra, this card is a decent choice. However, if you're looking to accumulate substantial rewards and don't frequently shop at the specified stores, it might not be the most rewarding option for you.

Key Features of Axis Neo Credit Card
  • Enjoy a 40% discount on Zomato food delivery.
  • Get a 5% discount on utility bill payments through Amazon Pay.
  • Avail a 10% discount on Blinkit, Myntra, and movie ticket bookings via BookMyShow.
  • Earn 1 reward point for every Rs. 200 spent.
  • Benefit from 100% cashback, up to Rs. 300.

3. Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card is among India's top cashback cards. It gives you a whopping 2% cashback on all transactions. Plus, you can earn up to 5% cashback on bill payments, DTH, and mobile recharges using Google Pay, and 4% cashback on Swiggy, Zomato, and Ola. With an annual fee of Rs. 499, it's a great choice for those who want straightforward benefits and high cashback rates.

If you're a loyal customer of specific brands like Amazon, Flipkart, or Paytm, it's smart to consider their co-branded credit cards. Take The Amazon Pay ICICI Credit Card, for instance. Prime customers get 5% cashback on all Amazon purchases, while non-Prime customers get 3%. Similarly, the Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart and 4% at partner sites like MakeMyTrip, Goibibo, and Uber. In summary, if you prefer a credit card with a low fee and great non-travel rewards, these cards could be the perfect fit for you.

Key Features of Axis ACE Credit Card
  • Get a 5% cashback on all bill payments, DTH recharges, and mobile recharges when you use Google Pay.
  • Enjoy a 4% cashback on expenses with Swiggy, Ola, and Zomato.
  • Earn a 2% cashback on all other spends.
  • Access airport lounges with 4 complimentary visits each year.
  • Save on fuel costs with a 1% surcharge waiver on transactions between Rs. 400 to Rs. 4,000 at any fuel station.

4. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

The Axis Bank Flipkart credit card is perfect for cashback enthusiasts, especially those loyal to Flipkart. It stands out as one of India's best cashback credit cards, providing a substantial 1.5% flat cashback on all expenditures—the second-highest flat cashback rate, just below the Axis Bank ACE Card's 2% cashback. Enjoy an impressive 5% cashback on Flipkart and 4% on partner merchants like, Swiggy, PVR, and Uber. Despite being an entry-level card, the benefits offered significantly outweigh its annual fee.

The great thing about the Flipkart Axis Card is its sensible lineup of partner merchants, helping you save on travel (Uber), fitness (, movies (PVR), and fashion/shopping (Flipkart). If you're after benefits in various categories, this card is a top pick. While the highest cashback is specific to these websites, the 1.5% flat cashback on all other expenses provides a reasonable balance.

Key Features of Flipkart Axis Bank Credit Card
  • 5% cashback on Flipkart
  • 4% cashback on shopping with other preferred merchants
  • 1.5% cashback across all other categories
  • Rs. 600 worth of joining and activation benefits from Flipkart and Swiggy
  • 4 complimentary domestic lounge visits every year
  • 15% discount on dining at 10,000+ partner restaurants under Axis Bank Dining Delights
  • 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000

5. HDFC Millennia Credit Card

HDFC Millennia Credit Card

The HDFC Millennia Credit Card is tailored for millennials who enjoy online shopping and desire rewards for their transactions. With up to 5% cashback on online transactions and 1% cashback on offline spends, this card caters to the digital lifestyle. Despite the annual fee of Rs. 1,000, the exclusive benefits make it worthwhile, especially for frequent online shoppers.

The card is ideal for those who are dedicated shoppers on Flipkart and Amazon. However, considering it also provides 2.5% cashback on other online transactions, it's a reasonable choice for those looking to diversify their online shopping destinations. Keep in mind that to avail the cashback, you must meet minimum transaction requirements, which can be limiting. Cards like Axis ACE and Axis Flipkart, with lower fees, offer unlimited cashback without minimum spend conditions. Therefore, HDFC Millennia is recommended for big spenders who can maximize its benefits.

Key Features of HDFC Millennia Credit Card
  • Get a Rs. 1,000 gift voucher for spending at least Rs. 1 lakh each quarter.
  • Enjoy 5% cashback on select platforms like Amazon, Flipkart, Uber, and more.
  • Earn 1% cashback on all other expenses (excluding fuel), including EMI and wallet transactions.
  • Receive 8 complimentary domestic lounge accesses per year, with 2 allowed in each quarter.
  • Avail a 1% fuel surcharge waiver, up to Rs. 250 per month, on transactions between Rs. 400 to Rs. 5,000.

6. HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

Priced at an annual fee of Rs. 500, this card offers fantastic benefits, especially for those new to credit cards. It's particularly popular among first-time users. Enjoy up to 10X reward points when shopping at favorite brands like Amazon, Flipkart, Swiggy, BigBasket, and more – a fantastic perk for frequent shoppers. Additionally, earn 5X reward points on EMI spends at select merchants and 2 reward points for every Rs. 150 spent on other categories. You can redeem these points for cashback at a conversion rate of 1 CashPoint = Re. 0.25.

While The HDFC MoneyBack+ is a solid entry-level credit card, it lacks exclusive travel perks such as complimentary lounge access, commonly found in many credit cards. It's a good option if you're looking for an entry-level card that provides decent benefits for online shopping and satisfactory rewards across other spending categories.

Key Features of HDFC MoneyBack+ Credit Card
  • Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
  • Get 5X CashPoints on EMI spends at merchant locations.
  • Receive 2 CashPoints for every Rs. 150 spent on other categories (excluding fuel, wallet reload, prepaid card loads, and voucher purchases).
  • Enjoy an activation benefit of 500 CashPoints, where 1 CashPoint is equivalent to Re. 0.25.
  • Avail a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 5,000.

7. HSBC Cashback Credit Card

HSBC Cashback Credit Card

The HSBC Cashback Credit Card gives you unlimited cashback on everything you buy. You can earn cashback without having to spend a minimum amount, making it one of the top cashback credit cards in India.

With the card, you can earn up to 10% cashback on your online expenses and 1.5% cashback on everything else you buy. Additionally, when you sign up, you receive a complimentary Rs. 1,000 Amazon voucher, especially beneficial for Amazon enthusiasts. The more you use the card, the more cashback you accumulate. It's perfect for those who prefer a straightforward cashback system without restrictions to specific platforms like Amazon or Flipkart.

Key Features of HSBC Cashback Credit Card
  • Get 10% cashback on dining, food delivery, and grocery purchases, up to Rs. 1,000 per month.
  • Enjoy an unlimited 1.5% cashback on all other expenditures.
  • Receive four complimentary domestic lounge visits each year, one per quarter.
  • Plus, score a Rs. 1,000 Amazon voucher by spending Rs. 10,000 or more within 30 days of activating your card.

8. SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Card is widely popular due to its easy eligibility and low annual fee. It's a go-to choice for many. You earn 10 times the reward points when you shop online with partners like BookMyShow, Cleartrip, Netmeds, UrbanClap, and more. Plus, you get fantastic milestone benefits in the form of e-vouchers from top brands, making it a card that gives you more value than the fee you pay.

Key Features of SBI SimplyCLICK Credit Card
  • Receive a Rs. 500 Amazon Gift Voucher as a welcome gift.
  • Earn 10 reward points for every Rs. 100 spent on online purchases with Apollo 24×7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmeds, and Yatra.
  • Get 5 reward points for every Rs. 100 spent on other online transactions.
  • Earn 1 reward point for every Rs. 100 spent on categories other than online purchases.
  • Unlock Cleartrip/Yatra e-vouchers worth Rs. 2,000 when you reach spending milestones of Rs. 1 Lakh and Rs. 2 Lakh.
  • Enjoy a 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000.

9. Cashback SBI Card

Cashback SBI Card

The Cashback SBI Card stands out as one of The Top cashback shopping credit cards in the market. This card provides unlimited cashback for both online and offline transactions. With a 5% cashback on all online spends and 1% cashback on other expenses, it distinguishes itself by having no merchant restrictions, making it ideal for online shopping. Moreover, it offers the highest cashback compared to other cashback credit cards specifically for online transactions.

This card can be an excellent addition to your wallet, especially if you frequently make online purchases without being limited to specific brands. The Cashback SBI Card presents a strong alternative to cards like Axis ACE or Flipkart Axis, which offer compelling value back but come with merchant restrictions. Unlike those cards, this credit cards imposes no merchant restrictions, allowing you to earn a 5% cashback on online transactions regardless of the brand. While it may not provide significant benefits for utility payments and fuel transactions, it still offers substantial value back across various transactions. Overall, it's a decent credit cards, well-suited for online shopping, with additional benefits in other categories.

Key Features of Cashback SBI Card
  • 5% cashback on all online spends without any merchant restrictions.
  • 1% flat cashback on all offline transactions.
  • 1% fuel surcharge waiver at all petrol pumps in India for transactions between Rs. 500 to Rs. 3,000.
  • Annual fee waiver upon spending Rs. 2 lakh in the preceding year.

10. Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit Card

If you're thinking of getting this card, consider getting Amazon Prime membership too. Prime members enjoy an additional 2% cashback on Amazon purchases. Additionally, you earn 2% cashback at 100+ Amazon Pay partner merchants when you use Amazon Pay for your payments. For all other transactions, you receive 1% cashback.

The Amazon Pay ICICI Card is a great choice for online shopping, and the best part is it comes with no annual fee. Since Amazon offers a wide variety of products, from furniture to groceries, this card can reward you well for your purchases. Although the cashback rate is 1%, which is lower than some other cards like the Flipkart Axis Bank Credit Card, it's still a valuable addition, especially if you frequently shop on Amazon. Plus, being a lifetime free card, having it in your wallet doesn't cost you anything.

Key Features of Amazon Pay ICICI Credit Card
  • Lifetime free credit card.
  • 5% cashback for PRIME customers when shopping at Amazon.
  • 3% cashback for non-PRIME members on Amazon spends.
  • 2% cashback on 100+ partner merchants of Amazon.
  • 1% cashback on all other transactions.
  • 15% discount at partner restaurants of ICICI Bank.
  • 1% fuel surcharge waiver across all petrol pumps.

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