Online shopping has become an integral part of our lives, and having the right credit card can enhance your shopping experience by offering cashback, rewards, and exclusive deals. In 2025, several credit cards in India cater specifically to online shoppers, providing benefits across various e-commerce platforms.
Top Credit Cards for Online Shopping in India
1. SBI Cashback Card
- Joining Fee: ₹999 + GST
- Annual Fee: ₹999 + GST (waived off on spending ₹2 lakh in the preceding year)
- Key Benefits:
- 5% cashback on all online spends with no merchant restrictions
- 1% cashback on all offline transactions
- Total monthly cashback earning (online + offline) is capped at ₹5,000
- 1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions between ₹500 to ₹3,000
Ideal for: Shoppers who make frequent online purchases across various platforms.
2. YES Bank Paisabazaar PaisaSave Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹499 + GST (waived off on spending ₹1.2 lakh in the preceding year)
- Key Benefits:
- 3% cashback as 6 Cashback Points on every ₹200 spent online
- Unlimited 1.5% cashback as 3 Cashback Points per ₹200 spent on other categories
- 5% cashback on UPI transactions through Rupay variant
- 1 Cashback Point = ₹1, at zero redemption fee
- 1% fuel surcharge waiver, up to ₹250 per month, on fuel spends of ₹500 to ₹3,000
Ideal for: Online shoppers seeking straightforward cashback with no merchant restrictions.
3. Amazon Pay ICICI Bank Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹0
- Key Benefits:
- 5% cashback on Amazon spends for Prime members
- 3% cashback on Amazon spends for non-Prime members
- 2% cashback on 100+ partner merchants
- 1% cashback on all other spends
Ideal for: Frequent Amazon shoppers looking to maximize cashback on their purchases.
4. HDFC Millennia Credit Card
- Joining Fee: ₹1,000
- Annual Fee: ₹1,000
- Key Benefits:
- 5% cashback on Amazon, Flipkart, Myntra, and other popular e-commerce platforms
- 1% cashback on all other spends
- ₹1,000 gift voucher on spending ₹30,000 within the first 90 days
- 1% fuel surcharge waiver on fuel spends between ₹400 to ₹4,000
Ideal for: Shoppers who frequently purchase from major e-commerce platforms.
5. Flipkart SBI Credit Card
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST
- Key Benefits:
- Up to 7.5% cashback on Flipkart and Myntra purchases
- 2% cashback on all other spends
- Exclusive deals and discounts on partner platforms like Zomato, Uber, and PVR
Ideal for: Regular Flipkart and Myntra shoppers seeking substantial cashback.
How to Choose the Right Credit Card for Online Shopping
When selecting a credit card for online shopping, consider the following factors:
- Merchant Compatibility: Ensure the card offers cashback or rewards on your preferred e-commerce platforms.
- Cashback Rates: Compare the cashback percentages offered across different categories.
- Annual Fees: Evaluate the annual fees and determine if the benefits justify the cost.
- Additional Benefits: Look for extra perks like fuel surcharge waivers, welcome bonuses, and partner discounts.
Final Thoughts
Choosing the right credit card can significantly enhance your online shopping experience by providing cashback, rewards, and exclusive deals. Evaluate your shopping habits and select a card that aligns with your preferences to maximize benefits.