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Federal BankMost people today prefer online shopping as it gives you the flexibility to get your things delivered at home rather than going out, especially to purchase something. Keeping this thing in mind, credit cards started coming up with exclusive rewards/cashback offers on online shopping portals. All the major card issuers offer extra benefits/rewards/cashback on their credit cards for popular platforms like Amazon, Myntra, and Flipkart purchases, as these are the most popular online shopping apps in India. But sometimes, people need to be made aware of these offers on their credit cards, and hence, they might always have an opportunity to save amazingly on their purchases.
To make you aware of the offers on your credit cards, we are here with this article explaining how you can earn extra cashback or rewards on your shopping spends on Amazon, Myntra, Flipkart, and other popular platforms.
List of Best Shopping Credit Cards in India 2024
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Compare Top Credit Cards for Online Shopping in India
| Features | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card | Myntra Kotak Credit Card |
| Joining/Renewal Fee | Lifetime Free | ₹500 + GST | ₹500 + GST |
| Reward Type | Cashback | Cashback | Cashback |
| Welcome Benefits | Benefits Worth ₹2500 | Benefits Worth ₹600 | Myntra Vouchers Worth ₹500 |
| Domestic Lounge Access | N/A | 4 Each Year | 4 Each Year |
| Spend-Based Waiver | N/A | On Spends of ₹3.5 Lakh | On Spends of ₹2 Lakh |
| Dining | 15% off With Culinary Treats Program | 20% off With Dining Delights Program | 5% Cashback on Swiggy |
Main Features of Shopping Credit Cards
Flipkart Axis Bank Credit Card
Get 5% cashback with this card while shopping on the popular e-commerce platform Flipkart. Not only this, you also get 4% cashback on preferred partners like PVR, Swiggy, and Uber.
Best Suited for Online Shopping at Flipkart
Cashback SBI Credit Card
This card offers a straightforward cashback of 5% for online spends and 1% for offline spends. The renewal fee for this credit card can be waived by spends ₹2 lakh in a year.
Best Suited for Online Spends
Myntra Kotak Credit Card
With the Myntra Kotak Credit Card, you will get 7.5% instant discounts on purchases made on Myntra. Aside from the annual fee waiver, you can enjoy perks like complimentary lounge access and milestone benefits.
Best Suited for Online Shopping at Myntra
Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card is one of India’s most popular shopping cards. You can earn 5% cashback on your purchases with Amazon if you are a Prime member. Non-Prime members can get 3% cashback. The cashback is released to your Amazon Pay Balance. This card is even more beneficial as there are no annual or joining charges along with it.
Best Suited for Online Shopping at Amazon
HDFC Bank Millennia Credit Card
Earn 5% cash points while shopping on Amazon, Flipkart, Myntra, Swiggy and more. 1 cashpoint = ₹1. This can be redeemed against your card statement or can even be used for vouchers, flight, and hotel bookings.
Best Suited for Online Spends at Myntra, Tata CLiQ, Flipkart and Amazon
American Express SmartEarn Credit Card
Earn accelerated Membership Rewards Points while shopping on Flipkart, Amazon, BookMyShow, and more. 10X Membership Rewards Points for spend of ₹50 on Ajio, Nykaa, and more. 5X Membership Rewards Points on Amazon.
Best Suited for Online Spends at Amazon & Flipkart
HSBC Cashback Credit Card
10% accelerated cashback on dining, grocery, and food delivery (Maximum 1,000 per billing cycle). 1.5% unlimited cashback on other spends.
Best Suited for Online Spends
Eligibility for Shopping Credit Cards
Each credit card has its own eligibility criteria, but here are a few things that shall remain the same for almost all shopping credit cards.
- A good credit score is required. You must have a good credit score to be eligible for a shopping credit card. A greater score displays fiscal responsibility.
- Must be above the age of 18. To be eligible for these cards, an individual should be at least 18 years old.
- Income requirements differ for salaried and business individuals. Salaried individuals need to present their monthly income proof, while business or self-employed individuals would need to display a minimum annual income.
- A person with no credit history will not be able to get high-end cards. It’s best to start from entry-level or secured credit cards while beginning your credit journey.
Bottom Line
As most youngsters nowadays prefer online shopping, credit cards providing exciting offers for online shopping are best suited for young individuals. With such an excellent opportunity to earn Reward Points and cashback, these credit cards are becoming the best choice for lots of people out there. Many of these cards are co-branded, with which you can earn great rewards and discounts on particular brands. At the same time, many offer straight cashback on online purchases. With our list of best cards for shopping, you sure can save more.
If you are also among online shopping lovers, you must have one such credit card in order to save more and more on your purchases. So, which credit card are you going to choose? Let us know in the comment section below.
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8 Comments
If I bought something through these credit cards and return the item after that would the cashback still be there in my account or not, and what is there any limit for cashback? for like a per day or something, and Is there any application to redeem cashback from the credit card?
If you return the item the cashback shall not be credited.
Shopping credit card has transformed my shopping experience! With great back to back cashback and exclusive discounts, it feels like I’m always on a shopping spree without breaking the bank. From fashion finds to tech gadgets, every purchase comes with a delightful perk. It’s not just a card; it’s a shopping companion that turns every swipe into savings. Highly recommend for fellow shopaholics!
I am living in Delhi right now but the address mentioned on my Adhaar card and other proof is from my hometown Haryana, does the bank still proceed with my application for the credit card? If yes So, is it necassary for me to be there in my house at the time of verification?
You should use the address you are currently residing in for correspondence. You can also receive your credit card at your work address.
This is my first time getting a shopping credit card for me. Can you help me choose the credit card that would give good rewards and cashback while I shop on Flipkart AND AMAZON?
Go with the SBI Cashback card. You would receive 5% cashback on every eligible online spend.
Amex smartearn card is definitely made for me!! I especially found the fact amazing that it costs 5 less than 500 rupees!!