Best Credit Card for Online Shopping in India – 2025 Guide
In the age of e-commerce, online shopping has become a daily routine for millions of Indians. Whether it’s Amazon, Flipkart, Myntra, or Swiggy — we’re all ordering from the comfort of our homes.
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If you’re someone who frequently shops online, then choosing the best credit card for online shopping in India can help you save money, earn cashback, and get exclusive offers on your purchases.
In this article, we’ll cover the top online shopping credit cards, their benefits, and how to choose the right one based on your shopping behavior.
Why Do You Need a Credit Card for Online Shopping?
Using the right credit card for online shopping offers many advantages:
- Instant cashback and discounts on major shopping sites
- Reward points that can be redeemed for vouchers or purchases
- No cost EMI options for expensive gadgets
- Safe transactions and fraud protection
- Exclusive coupons and partner deals
Let’s explore the best options available in 2025.
Top 7 Best Credit Cards for Online Shopping in India
These credit cards offer the best deals, cashback, and rewards specifically for online shoppers:
1. Amazon Pay ICICI Credit Card
Annual Fee: ₹0 (Lifetime Free)
Best For: Amazon Users
Key Benefits:
- 5% cashback for Amazon Prime members
- 3% cashback for non-Prime users
- 2% cashback on partner merchants
- No expiry date on cashback
- Direct credit to Amazon Pay balance
Why it’s the best:
If you shop frequently on Amazon, this is the best credit card for online shopping in India — especially because it’s lifetime free.
2. Flipkart Axis Bank Credit Card
Annual Fee: ₹500 (Waived on ₹2 lakh annual spend)
Best For: Flipkart, Myntra & Lifestyle Spending
Key Benefits:
- 5% cashback on Flipkart & Myntra
- 4% cashback on Swiggy, Uber, PVR
- 1.5% cashback on all other spends
- Complimentary lounge access
Why choose this card:
Perfect for users who love Flipkart and lifestyle brands — highly rewarding for regular shoppers.
3. SBI SimplyCLICK Credit Card
Annual Fee: ₹499 (waived on ₹1 lakh spend)
Best For: General Online Shopping
Key Benefits:
- 10X reward points on Amazon, BookMyShow, Cleartrip, UrbanClap
- 5X points on other online spends
- Welcome e-voucher worth ₹500
- Milestone reward vouchers
Why it’s great:
Covers multiple online platforms and offers reward points that can be redeemed easily.
4. Axis Bank Neo Credit Card
Annual Fee: ₹250
Best For: Beginners & Students
Key Benefits:
- 10% off on Amazon, BookMyShow, Zomato, Myntra
- Flat ₹250 Amazon voucher on card activation
- Fuel surcharge waiver
- Mobile app offers & EMI options
Why it’s good:
Affordable and packed with benefits, it’s a solid choice for first-time credit card users focused on online shopping.
5. HDFC Millennia Credit Card
Annual Fee: ₹1,000 (waived on ₹1L spend)
Best For: High Online Spenders
Key Benefits:
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato
- 1% cashback on other spends
- Airport lounge access
- Cashback credited directly to your account
Why choose this card:
Ideal for professionals and salaried users who shop heavily online and want premium features.
6. ICICI Platinum Chip Card with Amazon Offer
Annual Fee: ₹199
Best For: Budget Online Shopping
Key Benefits:
- ₹250 Amazon voucher on spending ₹5,000 in 45 days
- Cashback on online fuel payments
- Safe online transactions with chip & PIN technology
Why it’s good:
Affordable and provides starter-level online shopping benefits, perfect for college-goers and part-time earners.
7. Kotak Essentia Platinum Credit Card
Annual Fee: ₹1,499
Best For: Grocery & Online Retail Shopping
Key Benefits:
- 10% savings on groceries & department store spends
- 2x reward points on online purchases
- Milestone rewards and fuel surcharge waiver
Why consider it:
Especially useful for households that shop essentials online and want maximum returns on regular spends.
How to Choose the Best Online Shopping Credit Card?
Here are a few points to consider before applying:
✅ 1. Shopping Platform Preference
Do you shop more on Amazon, Flipkart, or across categories? Choose a card accordingly.
✅ 2. Cashback vs Reward Points
Some cards offer flat cashback (like Axis ACE or Amazon Pay), while others give reward points (like SBI SimplyCLICK). Choose based on what you prefer.
✅ 3. Annual Fee vs Benefits
Make sure the benefits outweigh the annual fee or look for cards with no annual charges.
✅ 4. Exclusive Deals
Look for cards that partner with your favorite platforms (Amazon, Myntra, Zomato) to give you extra savings.
Eligibility Criteria for Online Shopping Credit Cards
Most online shopping credit cards are easy to get with basic eligibility:
- Minimum Age: 21 years
- Monthly Income: ₹15,000 – ₹25,000
- CIBIL Score: 700+ preferred
- Stable Employment or source of income
Documents Required
- PAN Card
- Aadhaar Card
- Salary Slip or Bank Statement (last 3 months)
- Passport-size Photograph
How to Apply for a Credit Card for Online Shopping?
Here’s the step-by-step process:
- Visit the bank or credit card issuer’s official website
- Select your preferred online shopping credit card
- Click on “Apply Now”
- Enter your personal and professional details
- Upload required documents
- Submit and wait for verification & approval
Tips to Save More with Credit Cards for Online Shopping
- Use cards during sale seasons (Big Billion Days, Great Indian Festival) for extra discounts
- Link your card to wallets like Amazon Pay, Paytm for layered offers
- Use No Cost EMI option for big-ticket items
- Combine coupon codes + cashback for max savings
- Always pay your full bill before due date to avoid interest
Final Verdict
If you’re someone who loves e-commerce, having the best credit card for online shopping is a game-changer. From earning rewards to saving thousands in cashback, it’s a must-have financial tool in 2025.
Top Recommendation:
- For Amazon users: Amazon Pay ICICI Credit Card
- For Flipkart lovers: Flipkart Axis Bank Credit Card
- For general usage: SBI SimplyCLICK or Axis Neo
