Online shopping has become a daily habit for millions of Indians-from ordering groceries to buying smartphones and booking travel tickets. But if you’re not using the right credit card, you might be missing out on cashback, rewards, discounts, and exclusive offers.
Let’s explore which credit card is best for online shopping in India, and how you can maximize your savings every time you shop.
Why Choose a Credit Card for Online Shopping?
Credit cards offer many benefits over debit cards or UPI when shopping online:
- Better rewards & cashback
- Instant offers on major platforms
- EMI options
- Purchase protection
- Bonus deals during sales
But not every card is made equal-some are built specifically for online spending.
Top Credit Cards for Online Shopping in India (2025)
1. Flipkart Axis Bank Credit Card
- Cashback: 5% on Flipkart and Myntra
- Other Rewards: 4% on Swiggy, PVR, and Uber; 1.5% on others
- Annual Fee: ₹500 (waived on ₹2 lakh annual spend)
- Why It’s Best: Ideal for Flipkart lovers and foodies
2. Amazon Pay ICICI Credit Card
- Cashback: 5% for Amazon Prime members, 3% for non-prime
- Extra Benefit: 2% on partner merchants, 1% elsewhere
- Annual Fee: ₹0 (Lifetime Free)
- Why It’s Best: For those who shop frequently on Amazon
3. HDFC Millennia Credit Card
- Cashback: 5% on Amazon, Flipkart, Swiggy, Zomato, Myntra
- Other Perks: 1% fuel surcharge waiver, lounge access
- Annual Fee: ₹1,000 (waived on ₹1 lakh spend/year)
- Why It’s Great: Broad coverage of popular platforms
4. SBI SimplyCLICK Credit Card
- Reward Rate: 10X rewards on Amazon, BookMyShow, UrbanClap, Cleartrip
- Other Rewards: 1 reward point per ₹100 on other spends
- Annual Fee: ₹499 (waived on ₹1 lakh spend/year)
- Highlight: Accelerated rewards on e-commerce
5. Axis ACE Credit Card
- Cashback: 5% on bill payments via Google Pay, 4% on Swiggy, Zomato, Ola
- Flat Cashback: 2% on all other spends
- Annual Fee: ₹499
- Why It’s Unique: Flat cashback on everything
Features to Look for in an Online Shopping Credit Card
When choosing the best credit card for online shopping, compare the following:
| Feature | Why It Matters |
|---|---|
| Cashback/Rewards | Earn more with every spend |
| Partner Merchants | Extra benefits on Amazon, Flipkart, etc. |
| Annual Fee | Look for cards with waiver conditions |
| Payment Platforms | Some offer more on Google Pay/UPI apps |
| EMI Availability | Helpful for high-value purchases |
Tips to Maximize Online Shopping Benefits
Use the right card for the right platform:-Example: Use Flipkart Axis on Flipkart, Amazon ICICI on Amazon
Track reward points/cashback regularly:- Don’t let unused points expire
Time your purchases with offers:- Credit card companies often tie up with brands during festivals and sale seasons
Set payment reminders:- Avoid interest by paying on time
Who Should Choose Which Card?
| User Type | Recommended Card |
|---|---|
| Amazon Shopper + Prime User | Amazon Pay ICICI Credit Card |
| Flipkart Lover | Flipkart Axis Bank Credit Card |
| Food Delivery & Shopping Combo | HDFC Millennia or Axis ACE |
| Lifetime Free Card Seekers | Amazon Pay ICICI or SimplyCLICK |
| Cashback Fan | Axis ACE Credit Card |
Conclusion
The best credit card for online shopping depends on your spending habits. Whether you’re shopping for electronics, clothes, food, or daily essentials, there’s a card that rewards you better.
By choosing the right credit card, you get more value from every rupee you spend online — be it through cashback, discounts, or loyalty points.
Compare wisely, and start saving on every digital transaction with the best credit cards for online shopping in India.