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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.

Best Shopping Credit Cards India

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.

Table of Contents

List of Best Shopping Credit Cards in India 2024

Flipkart Axis Bank Credit Card

(5/5)

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Introductory Benefits Worth Rs. 600 on Card Issuance

Cashback SBI Credit Card

(4.7/5)

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping | Food

Reward Type

Cashback

Welcome Benefits

NA

HDFC Bank Millennia Credit Card

(4.8/5)

Joining Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 1,000 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.

American Express SmartEarn Credit Card

(4.5/5)

Joining Fee

Rs. 495 + GST

Renewal Fee

Rs. 495 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Cashback of Rs. 500 and 2,000 Referral Bonus Membership Rewards Points

Amazon Pay ICICI Bank Credit Card

(5/5)

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership

Myntra Kotak Credit Card

(4.7/5)

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping | Food

Reward Type

Cashback

Welcome Benefits

Myntra voucher worth Rs. 500 on making 1 transaction above Rs. 500 inside 30 days of card issuance

HSBC Cashback credit card

(4.6/5)

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Amazon voucher worth Rs. 1,000 on transaction of Rs. 10,000 in the first 30 days

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.

FAQs:

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.

8 Comments

  1. Jass Reply

    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?

    • Kartik Kanwar Reply

      If you return the item the cashback shall not be credited.

  2. Shubham Mishra Reply

    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!

  3. Kamna Reply

    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?

    • Kartik Kanwar Reply

      You should use the address you are currently residing in for correspondence. You can also receive your credit card at your work address.

  4. Suyash Reply

    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?

    • Kartik Kanwar Reply

      Go with the SBI Cashback card. You would receive 5% cashback on every eligible online spend.

  5. Shivang Joshi Reply

    Amex smartearn card is definitely made for me!! I especially found the fact amazing that it costs 5 less than 500 rupees!!

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