10 Best Credit Cards for Online Shopping in India 2025
10 Best Credit Cards for Online Shopping in India 2025
Online shopping has become an integral part of our lives, and choosing the right credit card can help you save significantly on every purchase. In this comprehensive guide, we'll explore the top credit cards that offer the best cashback, rewards, and benefits for online shoppers.
Why You Need a Credit Card for Online Shopping
Using a credit card for online shopping offers several advantages:
- Cashback & Rewards: Earn 2-10% cashback on every online purchase
- Purchase Protection: Get fraud protection and purchase insurance
- No Cost EMI: Convert big purchases into easy installments
- Exclusive Discounts: Access special deals on e-commerce platforms
- Milestone Benefits: Unlock additional rewards based on spending
Top 10 Credit Cards for Online Shopping
1. Amazon Pay ICICI Credit Card
Best for: Amazon shoppers
Cashback: 5% on Amazon, 1% elsewhere
Annual Fee: ₹0 (Lifetime free)
This card is perfect if you frequently shop on Amazon. You get 5% unlimited cashback on Amazon purchases (Prime members) and 1% on other spending.
Key Benefits:
- No annual fee
- 2% cashback on Amazon for non-Prime members
- 1% cashback on other purchases
- Fuel surcharge waiver
2. Flipkart Axis Bank Credit Card
Best for: Flipkart shoppers
Cashback: 5% on Flipkart, 1.5% elsewhere
Annual Fee: ₹500 (waived on ₹2L annual spend)
Designed for Flipkart enthusiasts, this card offers excellent value during sale periods.
Key Benefits:
- 5% cashback on Flipkart
- Unlimited 1.5% cashback on other purchases
- 4 complimentary lounge visits per year
- Special discounts during Big Billion Days
3. HDFC Millennia Credit Card
Best for: Overall online shopping
Cashback: 5% on select e-commerce, 1% elsewhere
Annual Fee: ₹1,000 (waived on ₹1L annual spend)
A versatile card that offers cashback across multiple platforms including Amazon, Flipkart, PayTM, and Swiggy.
Key Benefits:
- 5% cashback on Amazon, Flipkart, Swiggy, etc.
- 2.5% cashback on PayTM, Uber
- 1% cashback on all other spends
- Welcome vouchers worth ₹1,000
4. SBI SimplyCLICK Credit Card
Best for: Budget-conscious online shoppers
Cashback: 10X rewards on selected e-commerce
Annual Fee: ₹499 (waived on ₹1L annual spend)
This entry-level card offers 10X reward points (effective 5% returns) on Amazon, BookMyShow, Cleartrip, and more.
5. ICICI Bank Coral Credit Card
Best for: Balanced rewards
Rewards: 2X on dining & e-commerce
Annual Fee: ₹500 (waived on ₹90K annual spend)
Get 2 reward points per ₹100 spent on dining and online shopping, which translates to approximately 0.5-1% returns.
How to Choose the Best Online Shopping Credit Card
1. Identify Your Primary Shopping Platform
- Amazon frequent shoppers → Amazon Pay ICICI
- Flipkart loyalists → Flipkart Axis Bank
- Multi-platform shoppers → HDFC Millennia
2. Calculate Your Annual Spending
Cards with annual fees often provide better benefits but require minimum spending to justify the fee.
3. Check Cashback Cap
Some cards have monthly or quarterly cashback caps. Ensure the cap aligns with your spending patterns.
4. Consider Additional Benefits
- Lounge access for frequent travelers
- Purchase protection for expensive items
- Extended warranty on electronics
Comparison Table
| Credit Card | Cashback Rate | Annual Fee | Best For |
|---|---|---|---|
| Amazon Pay ICICI | 5% | ₹0 | Amazon |
| Flipkart Axis | 5% | ₹500 | Flipkart |
| HDFC Millennia | 5% | ₹1,000 | Multi-platform |
| SBI SimplyCLICK | 5% (10X) | ₹499 | Budget buyers |
| ICICI Coral | 1% | ₹500 | Balanced usage |
Tips to Maximize Online Shopping Benefits
- Combine offers: Stack credit card cashback with platform discounts
- Use during sales: Mega sales often have additional card benefits
- Track spending caps: Monitor monthly cashback limits
- Pay full bills: Avoid interest charges that negate cashback benefits
- Check exclusions: Some categories may not earn cashback
Frequently Asked Questions
Which credit card gives the highest cashback on online shopping?
Amazon Pay ICICI and Flipkart Axis Bank cards offer 5% cashback, which is among the highest for platform-specific cards.
Are there any hidden charges for online shopping credit cards?
No hidden charges, but watch out for:
- Annual fees (can be waived with minimum spend)
- Interest on unpaid balances
- Foreign transaction fees (if shopping from international sites)
Can I use these cards for international online shopping?
Yes, but international transactions may attract 2-3.5% foreign exchange markup fees. Consider cards with low FX fees for international purchases.
How do I apply for an online shopping credit card?
- Visit the bank's website or app
- Fill the online application form
- Upload required documents (PAN, Aadhaar, income proof)
- Get instant approval (for existing customers)
- Receive physical card in 7-10 days
Conclusion
The best credit card for online shopping depends on your spending patterns. Amazon shoppers should choose Amazon Pay ICICI, while Flipkart users benefit from Flipkart Axis. For multi-platform shopping, HDFC Millennia offers the best overall value.
Ready to start saving on your online purchases? Compare these cards and apply for the one that matches your shopping habits!
Disclaimer: Credit card approval is subject to bank's eligibility criteria. Interest rates and fees are subject to change. Always read terms and conditions before applying.
About Creditlo Team
The Creditlo Team consists of financial experts dedicated to helping Indians make informed decisions about credit cards, loans, and banking products. With years of experience in the financial industry, we provide unbiased reviews and comprehensive guides.
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