Best Online Shopping Credit Cards India
Most 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.
On This Page — Jump to a Card
List of Best Online Shopping Credit Cards
- Joining Fee
- First Year Free (Limited Time Offer)
- Annual Fee
- ₹500 + GST
- Best Suited For
- Shopping
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, FitPass & Stoga by FitPass), and 1% Cashback on All Other Spends
Welcome Benefits₹250 Flipkart Voucher + ₹100 Swiggy Discount
- Joining Fee
- Lifetime Free
- Annual Fee
- Lifetime Free
- Best Suited For
- Travel | Shopping
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Welcome BenefitsCashback and Discounts Up to ₹2,500 and One Month EazyDiner Membership
- Joining Fee
- ₹999 + GST
- Annual Fee
- ₹999 + GST
- Best Suited For
- Shopping | Food
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate5% Cashback for Online Spends Up to ₹2,000 and 1% Cashback for Offline Spends Up to ₹2,000. Maximum Cashback of ₹4,000 in a Statement Cycle
Welcome BenefitsN/A
- Joining Fee
- ₹1,000 + GST
- Annual Fee
- ₹1,000 + GST
- Best Suited For
- Shopping
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends
Welcome Benefits1,000 CashPoints
- Joining Fee
- Rs. 495 + GST
- Annual Fee
- Rs. 495 + GST
- Best Suited For
- Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate1 Membership Reward Point/Rs. 50 spent (with a few exceptions), 10X Reward Points on Flipkart, Uber, Zomato, AJIO, PVR, Blinkit and more.
Welcome BenefitsCashback of ₹500
Compare Top Credit Cards for Online Shopping in India
| Features | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
| Joining/Renewal Fee | Lifetime Free | ₹500 + GST |
| Reward Type | Cashback | Cashback |
| Welcome Benefits | Benefits Worth ₹2,000 | Benefits Worth ₹350 |
| Domestic Lounge Access | N/A | N/A |
| Spend-Based Waiver | N/A | On Spends of ₹3.5 Lakh |
| Dining | 15% off with the Culinary Treats Program | 20% off with Dining Delights Program |
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, but you also get 4% cashback from 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
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
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 to be eligible for a shopping credit card. A higher score displays fiscal responsibility.
- Must be over 18 to be eligible for these cards.
- Income requirements differ for salaried and business individuals. Salaried individuals need to present proof of their monthly income, while business or self-employed individuals 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 provide exciting online shopping offers that 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 an online shopping lover, you must have one such credit card to save even more on your purchases. So, which credit card will you choose? Let us know in the comment section below.
Frequently Asked Questions
Does Amazon Pay ICICI Bank Credit Card only offer cashback to Prime users?
No, the Amazon pay ICICI Bank credit Card offers a cashback of 3% to non-prime members as well. However, Prime members get a cashback of 5%.
Which SBI Credit Card is best for online shopping?
The Cashback SBI Credit Card is considered best for online shopping as it offers 5% cash back on eligible spends and 1% cash back on offline spends.
Are shopping credit cards safe?
Yes, shopping credit cards are safe. You still need to be cautious about some things, like never sharing your OTP, etc.
Which credit card is the best for me?
Every individual has different spending patterns, and hence, you shall have to compare various cards and choose the one that is suitable for you. For example, if you prefer to shop on Amazon, then the Amazon Pay ICICI Bank Credit Card will save you up to 5% on each and every purchase. However, if you shop on Flipkart, the Flipkart Axis is most suited for you. Compare multiple cards simultaneously with Card Insider and make the right choice
Which is the best lifetime free shopping credit card?
The Amazon Pay ICICI Bank Credit Card is considered one of India's best online shopping credit cards. This card is lifetime free and offers 5% cashback on all Amazon purchases along with many introductory benefits.
Where can I redeem my Reward Points?
Depending upon your card issuer, reward points can be redeemed for vouchers for popular brands, cash points, or products from a catalog offered by that bank.
Reader Comments
8 comments · Join the discussion below
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!!