Best Shopping Credit Cards in 2025
As more people prefer online shopping instead of visiting stores, the need for online shopping credit cards is growing. Whether it’s gadgets, groceries, or daily essentials, shoppers now want rewards for their online spending. To meet this demand, top credit card companies offer special cards with great benefits for online purchases. Some of these cards give extra rewards on partner websites, while others offer cashback or points on all online spending. To help you find the right one, here is a list of the best online shopping credit cards in India.
METRO Kotak Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Get up to Rs. 500 cashback on your first swipe within 30 days of card issuance. This is valid on the transaction value of Rs. 10,000 in a day.
- Cashback Offers: Earn cashback on bulk shopping at METRO Wholesale, both online and offline.
- Credit-Free Period: Enjoy up to 48 days without interest on purchases.
- Store Savings: Get 1% savings on purchases made in METRO stores.
- Welcome Benefit: Spend over Rs. 10,000 on your first swipe within 30 days of card issuance to get up to Rs. 500 cashback.
- Contactless Payments: RuPay contactless feature allows transactions up to Rs. 5,000 without a PIN, offering fast and secure payments.
Axis Neo Credit Card
Joining Fee
₹250 + Tax
Renewal Fee
₹250 + Tax
Welcome Benefits
Get 100% cashback up to ₹300 on your first utility bill payment within 30 days.
- ₹250 joining fee
- Exclusive partner offers on Amazon, Zomato, Blinkit, Myntra
- Free Zee5 subscription
- Axis Bank dining delights – 15% off on select restaurants
- 1% fuel surcharge waiver on spends between ₹400 and ₹4,000
Indian Oil Axis Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
HDFC Bank Freedom Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
500 CashPoints after the payment of joining and renewal fee.
- 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber (up to 2,500 CashPoints/month)
- 1 CashPoint/₹150 on other eligible spends
- 500 CashPoints as welcome/renewal benefit
- Annual Fee Waiver on spending ₹50,000 in a year
- Dining Discounts: Up to 20% off via Swiggy Dineout
- Fuel Surcharge Waiver: 1% on ₹400–₹5,000, max ₹250/month
- Low Annual Fee: ₹500 + taxes
Kotak Mojo Platinum Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Welcome Benefits
Joining fee waived on spending Rs. 30,000 within 90 days
- Earn 2,500 Mojo points per quarter on spending Rs. 75,000 (first year only)
- 2 complimentary visits per quarter to DreamFolks lounges in India
- Joining fee waived on spending Rs. 30,000 within 90 days
- Annual fee waived on spending Rs. 1 lakh in a year
- 1% fuel surcharge waiver, up to Rs. 3,500 per year
- Railway surcharge waiver: 1.8% on IRCTC spends, 2.5% at Indian Railways counters
- Uncapped Mojo points on every spend: 2.5 points for online, 1 point for other spends
Kotak Zen Signature Credit Card
Joining Fee
₹1500 + Tax
Renewal Fee
₹1500 + Tax
Welcome Benefits
1,500 Zen points on joining fee payment
- From 1st June 2025, the following spends will not earn reward points:
- Utility bills above Rs. 50,000 per month
- Education spends above Rs. 70,000 per month
- Government transactions above Rs. 40,000 per month
- Insurance spends above Rs. 70,000 per month
- Wallet loads, rent, fuel, and online gaming
- Lifetime free Zen Signature cardholders must spend at least Rs. 60,000 per quarter to get 2 free domestic lounge visits.
- International transactions must be activated to access international lounges.
- Railway surcharge waiver is capped at Rs. 500 per year.
- From 1st June 2025, a 1% transaction fee will apply on:
- Wallet loads & online gaming above Rs. 10,000 per month
- Utility spends above Rs. 50,000 per month
- Fuel spends above Rs. 35,000 per month
Kotak Privy League Signature Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹2500 + Tax
WorldMiles Credit Card
Joining Fee
₹15000 + Tax
Renewal Fee
₹0 + Tax
Kotak UPI RuPay Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax