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.
List of Best Shopping Credit Cards in India
Here are some of the top most shopping credit cards in India. While purchasing with these cards, you can earn great reward points, instant discounts and more.
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||Rs. 500 + GST||Rs. 500 + GST|
|Welcome Benefits||Benefits Worth Rs. 2500||Benefits Worth Rs 600||Myntra Vouchers Worth Rs 500|
|Domestic Lounge Access||N/A||4 Each Year||4 Each Year|
|Spend-Based Waiver||N/A||On Spends of Rs. 3.5 Lakh||On Spends of Rs. 2 Lakh|
|Dining||15% off With Culinary Treats Program||20% off With Dining Delights Program||5% Cashback on Swiggy|
Best Credit Cards in India for Shopping – Main Features
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 Rs. 2 lakh in a year.
Best Suited for Online Spends
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
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 = Rs. 1. This can be redeemed against your card statement or can even
Best Suited for Online Spends at Myntra, Tata CLiQ, Flipkart and Amazon
Reliance SBI Card
With this card, you will get vouchers for Reliance Retail Stores along with discount vouchers for popular Reliance Brands like AJIO, Centro, Coverstory, Jio Mart and Reliance Trends. This card is specially catered for Reliance Loyalists, and you can earn 5 Reward Points on spends of Rs. 100 made with Reliance. There is also a superior version of this credit card. The Reliance SBI Card PRIME offers greater rewards and complimentary lounge access.
Best Suited for Shopping With Reliance Brands
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 Rs. 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
Axis Bank Credit Cards (Axis Bank Grab Deals)
Axis Bank Grab deals is the shopping portal for Axis Bank credit and debit cardholders where you can avail of exciting rewards & cashback offers on shopping on selected merchants. You can get up to 10% cashback on all your purchases from various merchants, including Amazon & Flipkart.
For Shopping at Amazon
Following is a table showing how much cashback you can avail of different categories on shopping at Amazon via Axis Bank Grab Deals:
- Flat 2% cashback for Axis Bank Credit Card holders.
- Flat 10% Digital Savings Account (Accounts opened after 1st May 2023).
For Shopping at Flipkart
Like Amazon, you can avail of up to 10% cashback on your Axis Bank Credit Cards. The following table shows how much cashback you can earn on different categories:
|Burgundy Digital Savings Account Holders||10% Cashback|
|Priority Digital Savings Account Holders||7.5% Cashback|
|Prime Digital Savings Account Holders||5% Cashback|
|Easy Access Digital Savings Account Holders||3% Cashback|
|Grocery – Flipkart Supermarket||5% Cashback|
|Large/Small Appliances, Fashion & Lifestyle Categories, etc||4% Cashback|
|Mobile Phones||1% Cashback|
|Gold & Silver Coins & Gemstones||0% Cashback|
The maximum discount for salary accounts is Rs. 1,000 per month.
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.
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.
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%.
The Cashback SBI Credit Card is considered best for online shopping as it offers straight 5% cashback on eligible spends. You would also get 1% cash back on offline spends.
Yes, shopping credit cards are safe. You still need to be cautious about some things, like never sharing your OTP, etc.
With the Flipkart Axis and Myntra Kotak Credit Card, complimentary domestic lounge access is provided.
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. Whereas if you prefer to shop on Myntra, the Kotak Myntra Credit Card is best for you. Compare multiple cards at once with Card Insider and make the right choice for you.
The Amazon Pay ICICI Bank Credit Card is considered one of the best shopping credit cards in India. This card is lifetime free.
Depending upon your card issuer, Reward Points can be redeemed for vouchers of popular brands, cash points or products from a catalog offered by that bank.