Best Credit Cards for Online Shopping: Maximize Your Savings

With more people choosing online shopping over retail stores, the demand for online shopping credit cards is also on the rise. From gadgets to groceries, people are buying everything online and they certainly want to be rewarded for these expenses. This is why leading banks and NBFCs are offering credit cards with exclusive benefits on online shopping. While some cards offer additional benefits with co-branded platforms, others offer generous rewards on all kinds of online shopping. To help you choose the best credit card for your needs, here is a list of best online shopping credit cards in India.

Compare Best Online Shopping Credit Cards for December 2024

YES Bank Paisabazaar PaisaSave Credit Card

4_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

3% Cashback Points on e-commerce spends, max. 5,000 points/month

Unlimited 1.5% Cashback Points on all other spends, including UPI

Cashback

Online Shopping

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Product Details

• Earned Cashback Points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
• 1.5% cashback on online spends made after reaching the monthly capping
• Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
• 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000

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Cashback SBI Card

4_/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

5% cashback on all online spends

1% cashback across all offline spends

Cashback

Online Shopping

Check Eligibility

Product Details

• 5% cashback across all online spends with no merchant restriction
• 1% cashback across all offline spends
• Earn cashback of up to Rs. 5,000 per month
• Renewal fee reversed on spending at least Rs. 2 lakh in a year
• 1% fuel surcharge waiver of up to Rs. 100 per month

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Amazon Pay ICICI Credit Card

3.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 5% cashback on Amazon purchases

1% cashback across all offline spends

Co-branded

Cashback

Online Shopping

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Product Details

• 5% cashback on Amazon spends for Prime members
• 3% cashback on Amazon spends for Non-prime members
• 2% cashback on spends at Amazon Pay partner merchants
• 1% cashback on other spends
• 1% waiver on fuel surcharge across all petrol pumps in India

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Axis Bank ACE Credit Card

4_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

5% cashback on utility bill payments and recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

Shopping

Cashback

Online Shopping

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Product Details

• 1.5% cashback on other offline & online spends
• 4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter
• 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000

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HDFC Millennia Credit Card

3.5_/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more

1% cashback on spends at other categories

Cashback

Online Shopping

Check Eligibility

Product Details

• 1 complimentary lounge access or a voucher of Rs. 1,000 on spending Rs. 1 Lakh in a quarter
• Up to 20% off on dining at partner restaurants via Swiggy Dineout
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000

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HDFC MoneyBack+ Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

5X CashPoints on EMI transactions at select merchants

Shopping

Reward Points

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Product Details

• 2 CashPoints per Rs. 150 spent on other categories
• 500 CashPoints as welcome benefit after the payment of joining fee
• Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits

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Flipkart Axis Bank Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

5% cashback on transactions at Flipkart and Cleartrip

4% cashback on partner merchants, like Swiggy, PVR, Uber, etc.

Co-branded

Cashback

Online Shopping

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Product Details

• 1% cashback across other spends
• 4 complimentary domestic airport lounge visits in a year on spending at least Rs. 50,000 in a year
• Activation benefits worth Rs. 600 from Flipkart and Swiggy
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000

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HSBC Live+ Credit Card

3_/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

10% cashback (max. Rs. 1,000/month) on dining, grocery & food delivery

Unlimited 1.5% cashback on other spends

Dining

Cashback

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Product Details

• 4 complimentary domestic airport lounge visits per year
• Rs. 1,000 cashback on making Rs. 20,000 worth of spends within the first 30 days of card issuance
• Up to 15% off at partner restaurants via Live+ Dining Programme
• Annual fee waived off on annual spends worth more than Rs. 2 lakh

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American Express SmartEarn™ Credit Card

3.5_/5

Joining fee: ₹495

Annual/Renewal Fee: ₹495

10X* Membership Rewards® Points on Zomato, Flipkart, Myntra, etc.

5X* Membership Rewards® Points on spends at Amazon

Reward Points

Online Shopping

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Product Details

• 1 Membership Rewards® Point per Rs. 50 spent on other categories
• Rs. 500 voucher each on achieving annual spends of Rs. 1.20 Lakh, Rs. 1.80 Lakh & Rs. 2.40 Lakh respectively
• 0% convenience fee on fuel purchases below Rs. 5,000 at HPCL Petrol Pumps

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SBI SimplyCLICK Credit Card

3_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10X reward points on top online brands - BookMyShow, Swiggy, Myntra, etc.

5X reward points on other online spends

Reward Points

Online Shopping

Check Eligibility

Product Details

• 1 reward point for every Rs. 100 spent on other categories
• Amazon India gift card worth Rs. 500 on joining fee payment
• Cleartrip/ Yatra e-voucher of Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh
• Annual fee waived on reaching Rs. 1 lakh annual spends
• 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000

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Axis Neo Credit Card

3_/5

Joining fee: ₹250

Annual/Renewal Fee: ₹250

Up to 40% off on top brands, like Zomato, Blinkit and Myntra

1 EDGE reward point per Rs. 200 spent

Reward Points

Online Shopping

Check Eligibility

Product Details

• 40% off up to Rs. 120 per order on food delivery via Zomato on a minimum order value of Rs. 200
• 5% off on recharges & bill payments via Amazon Pay
• 10% off up to Rs. 250 on Blinkit, once per month
• Extra Rs. 150 off on Myntra orders worth Rs. 999 and above
• 100% cashback (Max. Rs. 300) on the first utility bill payment within 30 days of card issuance

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Compare (2/3)

Top Credit Cards for Online Shopping in India 2024

1. YES Bank Paisabazaar PaisaSave Credit Card

Joining Fee: Nil | Annual Fee: Rs. 499

YES Bank Paisabazaar PaisaSave Credit Card is a co-branded cashback card that offers incremental value-back on online card transactions. With zero joining fee and a minimal annual fee that you can get waived off even as a low-spender, this card lets you maximise your savings on online shopping as well as other offline purchases. Given below are some of the major benefits that you can avail via this card.

Key Features and Benefits:

• 3% cashback as 6 Cashback Points on every Rs. 200 spent online
• Unlimited 1.5% cashback as 3 Cashback Points per Rs. 200 spent on other categories
• 1 Cashback Point = Rs. 1, at zero redemption fee
• Annual fee waived off on annual spends of Rs. 1.2 lakh
• 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends of Rs. 500 to Rs. 3,000

2. Cashback SBI Card

Joining Fee: Rs. 999 | Annual Fee: Rs. 999

Cashback SBI Card is one of the best online shopping credit cards available in the market. This credit card offers cashback on your online as well as offline transactions. You can earn 5% cashback on all online purchases and 1% cashback on other purchases without any merchant restrictions.

Key Features and Benefits:

• 5% cashback on all online spends with no merchant restrictions
• 1% cashback on all offline transactions
• 1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions between Rs. 500 to Rs. 3,000
• Annual fee reversal on spending Rs. 2 Lakh in the preceding year

3. Amazon Pay ICICI Credit Card

Joining Fee: Nil | Annual Fee: Nil

Amazon Pay ICICI Credit Card is a co-branded credit card offering accelerated benefits on your spends at Amazon. This is one of the best online shopping credit cards in India, without any joining or annual fee. However, this credit card is best suited for Amazon Prime members, who can earn up to 5% cashback on their spends at Amazon. Below mentioned are some of the major features and benefits of this credit card.

Key Features and Benefits:

• 5% cashback on Amazon spends for Amazon Prime members
• 3% cashback on Amazon spends for Non-Prime members
• 2% cashback on payments to partner merchants through Amazon Pay
• 1% cashback on other transactions
• 15% discount at partner restaurants of ICICI Bank
• 1% fuel surcharge waiver across all petrol pump

4. Axis Bank ACE Credit Card

Joining Fee: Rs. 499 | Annual Fee: Rs. 499 

Axis Bank ACE Credit Card is one of the best cashback credit cards in India. It offers one of the highest cashback of 1.5% across all transactions, along with up to 5% cashback on bill payments, DTH, and mobile recharges via Google Pay and 4% on Swiggy, Zomato, & Ola. The card is available at an annual fee of Rs. 499 and is ideal for people who prefer to shop online for most of their spends.

Key Features & Benefits:

• 5% cashback on bill payment, DTH recharge, and mobile recharge via Google Pay
• 4% cashback on Swiggy, Ola, and Zomato
• 1.5% cashback on other spends
• 4 complimentary domestic lounge visits per year on spending Rs. 50,000 during the previous 3 months
• 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000

5. HDFC Millennia Credit Card

Joining Fee: Rs. 1,000 | Annual Fee: Rs. 1,000

HDFC Millennia Credit Card is specially designed to cater to the needs of millennials who love to shop online and would like to get rewarded for their spends. The card offers up to 5% cashback for online transactions and 1% cashback on all offline spends. However, the cashback is offered through Cash Points, which can be redeemed against credit card statement at a 1:1 ratio.

Key Features and Benefits:

• 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• 1% cashback on other categories, including EMI & wallet spends
• 1 complimentary lounge access or a voucher worth Rs. 1,000 on spending Rs. 1 Lakh in a quarter
• 1% fuel surcharge waiver, up to Rs. 250 in a month on transactions between Rs. 400 to Rs. 5,000 across all fuel stations in India

6. HDFC MoneyBack+ Credit Card

Joining Fee: Rs. 500 | Annual Fee: Rs. 500

HDFC MoneyBack+ Credit Card is an upgraded variant of HDFC MoneyBack Credit Card. The card offers benefits through Cash Points, which can be redeemed against cashback at a 1:1 ratio. Cardholders can get up to 10X reward points on select brands and 5X reward points on EMI spends. Below mentioned are some of the major features and benefits that make this one of the best credit cards for online shopping.

Key Features and Benefits:

• 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
• 5X CashPoints on EMI spend at merchant locations
• 2 CashPoints for every Rs. 150 spent on other categories
• Activation benefit of 500 CashPoints after the payment of joining fee
• Up to Rs. 20,000 worth gift vouchers in a year as milestone benefits
• 1% fuel surcharge waiver (Max. Rs. 250) across all fuel stations on transactions between Rs. 400 to Rs. 5,000

7. Flipkart Axis Bank Credit Card

Joining Fee: Rs. 500 | Annual Fee: Rs. 500

Flipkart Axis Credit Card is a co-branded credit card offering accelerated benefits on spends made at Flipkart and its partner merchants. It is one of the best credit cards in India for online shopping, offering a value back of up to 5% on online purchases. Besides online shopping, the card also offers other benefits, such as complimentary lounge access, dining discount, and more.

Key Features and Benefits:

• 5% cashback on spends at Flipkart and Cleartrip
• 4% cashback on shopping with other preferred merchants, including Cult.fit, PVR, Swiggy & Uber
• 1% cashback across all other categories
• Activation benefits from Flipkart and Swiggy worth Rs. 600
• 4 complimentary domestic lounge access in a year on spending Rs. 50,000 in the previous 3 months
• 1% fuel surcharge waiver (Max. Rs. 400 per month) for transactions worth Rs. 400 to Rs. 4,000

8. HSBC Live+ Credit Card

Joining Fee: Rs. 999 | Annual Fee: Rs. 999

HSBC Live+ Credit Card offers up to 10% cashback on select categories, along with a base cashback of 1.5% across other spends. With this card, cardholders can save on their daily as well as other lifestyle-related spends, such as groceries, dining, food delivery, and more. The card also offers travel benefits through complimentary domestic lounge access and annual fee waiver on reaching annual spends of Rs. 2 Lakh.

Key Features and Benefits:

• Rs. 1,000 cashback on spending Rs. 20,000 or more within the first 30 days of card issuance
• 10% cashback, up to Rs. 1,000 per month, on dining, grocery and food delivery spends
• Unlimited 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge visits in a year
• Up to 15% off on dining at partner restaurants via Live+ Dining Programme

9. American Express SmartEarn™ Credit Card

Joining Fee: Rs. 495 + Taxes | Annual Fee: Rs. 495 + Taxes

American Express SmartEarn™ Credit Card is best suited for people who frequently shop online at popular brands like Amazon, Zomato, Myntra, etc. With this credit card, you can earn accelerated reward points on most of your online spends at popular brands. Additionally, this credit card also offers complimentary vouchers worth up to Rs. 1,500 as milestone benefits. Here are some of the major benefits that make it one of the best online shopping credit cards:

Key Features and Benefits:

• 10X Membership Rewards® Points on Zomato, Flipkart, Myntra, Blinkit, Uber, Nykaa, Ajio, PVR, BookMyShow & more
• 5X Membership Rewards® Points per Rs. 50 spent on Amazon
• 1 Membership Rewards® Point per Rs. 50 spent on other categories
• Rs. 500 cashback on spending Rs. 10,000 in the first 90 days of card membership
• Rs. 500 voucher each on annual spends of Rs. 1.20 Lakh, Rs. 1.80 Lakh & Rs. 2.40 Lakh respectively

10. SBI SimplyCLICK Credit Card

Joining Fee: Rs. 499 | Annual Fee: Rs. 499

SBI SimplyCLICK Credit Card is an entry-level credit card designed for frequent online shoppers. Cardholders can earn 10X reward points on spends at popular brands like BookMyShow, Cleartrip, Swiggy, and more, along with 5X reward points across all other online spends. Additionally, the card offers great milestone benefits via e-vouchers from leading brands, thus offering more than the fee charged.

Key Features and Benefits:

• Gift voucher worth Rs. 500 from Amazon as a welcome gift
• 10 reward points per Rs. 100 on online spends at Apollo 24×7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmeds & Yatra
• 5 reward points per Rs. 100 on other online spends
• 1 reward point per Rs. 100 spent on other categories
• Cleartrip/ Yatra e-voucher worth Rs. 2,000 on reaching annual spend milestones of Rs. 1 Lakh and Rs. 2 Lakh, respectively
• 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000

11. Axis Bank NEO Credit Card

Joining Fee: Rs. 250 | Annual Fee: Rs. 250

Axis Bank NEO Credit Card offers discount on online purchases at top brands like Zomato, Mynta, BookMyShow, Blinkit, and more. Besides this, cardholders can also earn base reward points (1 point per Rs. 200) across all purchases. Here are some of the key features and benefits that make this card one of the top credit cards for online shopping.

Key Features and Benefits:

• 40% off on food delivery at Zomato on a minimum transaction of Rs. 200
• 5% off on mobile recharges, broadband payments & DTH recharge via Amazon Pay
• 10% off on Blinkit, Myntra and movie ticket bookings via BookMyShow
• 1 EDGE reward point for every Rs. 200 spent
• 100% cashback, up to Rs. 300 on the first utility bill payment within 30 days of card issuance