9 Best Credit Cards for Online Shopping in India (2021)

We Indians love discounts and free stuff (including me 😉)) and that’s why I made a list of all the best credit cards for online shopping in India that can get you more discounts and offers.

As India is becoming digital we Indians are now doing more and more online shopping. We get more offers and discounts online on platforms like Amazon, Flipkart, Tatacliq etc.

So here are the best-handpicked credit cards that offer the highest cashback and rewards on online shopping in India.

Best Credit Cards for Online Shopping in India

1. Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Credit Card is a Co-branded Credit Card by ICICI Bank. Its Benefits are Focused on Purchase on Amazon and Using Amazon Pay.

Amazon Pay ICICI Credit Card is best for those who shop more on Amazon. Cashback is given in the form of an Amazon Pay balance so you can use it directly on Amazon.

If you shop online on amazon then you should definitely get it as you will get a flat 5% cashback and there is no annual fee, so you lose nothing. A win-win situation.

If you own any ICICI credit card then you can get this Amazon credit card instantly online by just filling in some details online. Please note that you need to enter the mobile number linked to your existing icici credit card.

Key Benefits:

• Joining Bonus of ₹500 for Prime Member and ₹400 for Non-Prime Members
• Lifetime Free Credit Card
• Unlimited Flat 5% cashback on Amazon.in for Amazon Prime Members
• Unlimited Flat 3% cashback on Amazon.in for Non-Prime Members
• Unlimited Flat 2% cashback on 100+ Amazon Pay Partner Merchants Using Amazon Pay as Payment Method
• Unlimited Flat 2% back on Utility Payment, Recharges, Movie Tickets and Bus and Flight Booking on Amazon.in.
• Unlimited Flat 1% back on all other Payments
• Earnings will be Directly Credited to Amazon Pay Balance.
• Waiver of 1% on Fuel Surcharge.
• No cost EMI on all Purchases above ₹ 3,000 on 3 and 6 Months EMI
• 15% discount when dining at restaurants participating in Culinary Treats

Welcome Gift (Sign-Up Bonus):

• Amazon Gift Card worth ₹500 for Prime Member
• Amazon Gift Card worth ₹400 for Non-Prime Members

First Year Fee: Nil (0)
Annual Fee: Nil (0), Lifetime Free Credit Card
Reward Earn Ratio: 5% on Amazon, 1% on All Other Spends
Reward Point Value: 1 Reward point = ₹1
Redemption: Directly Credited to Amazon Pay Balance each Month after Statement Generation
Interest-Free Credit Period: 20-50 Days
Purchase Protection: NA
Fuel Surcharge Waiver: Yes

Who should Get this Credit Card?

• If You are an Amazon Prime Member
• If You use Amazon for Shopping, Bill payment and Tickets Booking.

2. Flipkart Axis Bank Credit Card

Flipkart Axis bank credit card is a Co-branded credit card by Axis bank. Its benefits are focused on purchase on Flipkart and its subsidiaries like Myntra and 2GUD.

Flipkart Axis bank credit card is best for those who like to shop online at Flipkart and its partner stores like Myntra,2gud, Goibibo, uber, PVR, Curefit and UrbanClap.

You will get maximum benefits on these online platforms.

In my opinion, this is one of the best credit card for online shopping.

Key Benefits:

• Unlimited Flat 5% Cashback on shopping with Flipkart, Myntra and 2GUD
• 4% Cashback on shopping with other Preferred Merchants
• 1.5% Cashback across all other Spends
• Up to 20% off at Partner Restaurants
• 4 complimentary domestic lounge visits in a year
• Waiver of 1% on Fuel Surcharge.

Welcome Gift (Sign-Up Bonus):

• ₹ 500 worth Flipkart vouchers 
• 6 Months Gaana Plus membership (Worthg ~₹ 400 ), 50% off for the next 6 months subscription
• ₹ 500 off on Domestic Hotel Booking on Goibibo and MakeMyTrip on a minimum booking of ₹ 2,000
• 15% Cashback up to ₹ 500 on the First transaction on Myntra
• 20% instant discount up to ₹ 400 for new Urban Clap customers

First Year Fee: ₹ 500
Annual Fee: ₹ 500
Annual Fee Waiver: On Annual Spending of ₹2 Lakhs
Reward Earn Ratio: 5% on Flipkart, Myntra, 1.5% on All Other Spends
Reward Point Value: No Reward Point (Direct Cashback)
Redemption: Directly in Your Statement
Interest-Free Credit Period: 20-50 Days
Purchase Protection:
Fuel Surcharge Waiver: Yes
Annual Income Requirement: More than ₹ 25,000 per Month For Salaried, Minimum ITR of ₹ 6 Lakhs For Self Employed

Who should Get this Credit Card?

• If You frequently Shop with Flipkart, Myntra and other preferred merchants.
• If You Love Cashback over Reward Points.

Check Out – Best Savings Bank Accounts in India

3. American Express Membership Rewards Credit Card

American Express is well known for its industry best customer support.

American Express membership rewards credit card is also known as AMEX membership rewards credit card is one of the few credit cards that reward you on adding money in wallets like Paytm, Freecharge, amazon pay, MobiKwik.

You can get 1,000 membership rewards points worth ₹ 400 every month by just adding ₹ 1,000 four times in wallets each month.

Key Benefits:

• Zero Lost Card Liability
• Earn 12,000 Membership Rewards Points every year by using your Card 4 times on transactions on transactions of ₹ 1,000 and above every month
• Redeem Membership Rewards Points from the Fabulous 18 Karat and 24 Karat Gold Collection – Taj Vouchers worth up to ₹14,000 Statement Credit worth up to ₹ 9,000 and much more
• The Renewal Fee of ₹ 4500 can be 100% waived off for annual spending above Rs 1,50,000 in the preceding year.
• 1 reward point for each ₹ 50/- spent except on fuel, insurance, utilities, and cash withdrawals.
• Up to 20% off at Partner Restaurants
• Waiver of 1% on Fuel Surcharge.

Welcome Gift (Sign-Up Bonus):

• 4000 Reward Points worth Rs 1000/- if you use your card three times within 2 months of enrollment.
• 5,000 Membership Rewards Points upon paying an annual fee worth ₹ 1,250

First Year Fee: Nil (0) if applied via This referral link otherwise ₹ 1,000
Annual Fee: ₹ 4,500

Annual Fee Waiver:

• ₹ 0 – If Your Spend is > ₹ 1,50,000
• ₹ 2,250 – If Your Spend is > ₹ 90,000

Reward Earn Ratio: 1 Membership Rewards Point for every  ₹ 50 Spent
Reward Point Value: 1 Membership Rewards Point = ₹ 0.25
Redemption: Via 18 and 24 Karat Gold Collection
Interest-Free Credit Period: 20-50 Days
Purchase Protection: Yes (Zero Lost Card Liability)
Fuel Surcharge Waiver: Yes
Annual Income Requirement: ₹ 6 Lakhs

Who should Get this Credit Card?

• If You Use E-wallets to do transactions as you will get rewards on adding money.
• If you want great customer support.

4. Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card is only for those who use Grofers, Myntra, Ola, Zomato, INOX and Yatra.

You will get a direct discount (no reward points) on these online portals. Of course, there is a maximum discount limit but if your monthly spending is more than ₹ 5,000 then you will get all these offers absolutely free.

If you only shop online sometimes then this is the best credit card for online shopping for you.

Key Benefits:

• 10% off on Buying Groceries Online through Grofers 5 times a month (Max. discount ₹ 1,000)
• 20% discount when shopping on Myntra up to a maximum discount of ₹ 700 once a month
• 10% discount on Zomato 5 times in a month
• 15% cashback on booking Ola Cab rides up to a maximum cashback of ₹ 600 per month
• Buy one Get one (BOGO) offer on INOX movie tickets on Saturday and Sunday twice a month
• Up to 25% off on Yatra for select categories

Welcome Gift (Sign-Up Bonus):

First Year Fee: ₹ 49 per Month
Annual Fee: ₹ 49 per Month
Annual Fee Waiver: If Your Spend is > ₹ 5,000 in Previous Month
Reward Earn Ratio: No Reward Points (Direct Discount)
Interest-Free Credit Period: 20-50 Days
Purchase Protection: NA
Fuel Surcharge Waiver: NA

Who should Get this Credit Card?

• You should only get this Credit Card if you Grofers, Myntra, Ola, Zomato, INOX and Yatra on daily basis.

5. HSBC Cashback Credit Card

HSBC cashback credit card offers unlimited flat 1.5% cashback on all your online spending and unlimited flat 1% cashback on all your other spending.

Key Benefits:

• Unlimited cashback on all your transactions
• 1.5% Cashback on all Online Spends
• 1% Cashback on all Other Spends
• Zero joining fees
• 5% Discount on Amazon Spends of ₹ 1,000 or above. (Maximum Discount of ₹ 250 per Month
• 20% off on Swiggy Orders above ₹ 400. (Up to ₹ 100 once per Month)
• Up to a 15% Discount at over 1,000 Partner Restaurants
• Zero liability for Lost Cards

Welcome Gift (Sign-Up Bonus):

• Get 2 Airport Lounge Access to Domestic and International lounges
• 2 Meal vouchers of ₹ 400 each for use at Airport restaurants
• ₹ 250 Swiggy Voucher within 60 days of completing the first transaction on the HSBC Credit Card.

First Year Fee: Nil (0)
Annual Fee: ₹ 750
Annual Fee Waiver: If Your Spend is > ₹ 1,00,000
Reward Earn Ratio: No Reward Points (Direct Cashback)
Interest-Free Credit Period: 20-50 Days
Purchase Protection: Yes
Fuel Surcharge Waiver: No

Who should Get this Credit Card?

• If you want flat cashback on all your spending.
• If you prefer direct cashback over reward points.

6. SBI SimplyCLICK Credit Card

Sbi SimplyClick credit card is a very good credit card for those who love online shopping on amazon.

SBI SimplyCLICK Credit Card offers 10X Reward points on Amazon purchases. which is equivalent to ~ 2.5% cashback.

This is the best credit card for online shopping offered by SBI.

Key Benefits:

• 10X Reward Points on Online spends with Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds and UrbanClap 
• Earn 5X Reward Points on all Other Online Spends
• Cleartrip Voucher worth ₹ 2,000 on annual online spends of Rs.1 Lakh
• Cleartrip Voucher worth ₹ 2,000 on annual online spends of Rs.2 Lakhs
• Annual Fee Reversal
• Waiver of 1% on Fuel Surcharge.

Welcome Gift (Sign-Up Bonus):

• ₹ 500 Amazon Gift Voucher

First Year Fee: ₹ 499
Annual Fee: ₹ 499
Annual Fee Waiver: If Your Spend is > ₹ 1,00,000
Reward Earn Ratio: 1 Reward Point per ₹ 100
Reward Point Value: 1 Reward Point = ₹ 0.25
Redemption: Via SBI Cards Reward Platform
Interest-Free Credit Period: 20-50 Days
Purchase Protection: No
Fuel Surcharge Waiver: Yes

Who should Get this Credit Card?

• If you use Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds and UrbanClap more than any other portals

7. HDFC Bank Millennia Credit Card

HDFC Bank recently launched HDFC Bank Millennia Credit Card targeting Millennials of our country.

HDFC Bank Millennia Credit Card offers 5% cashback via PayZapp & SmartBuy and 2.5% cashback on all other online spendings.

You will also get 1% cashback on loading money in online wallets.

Key Benefits:

• 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on Shopping via PayZapp and SmartBuy (Minimum transaction size of ₹ 2000)
• 2.5% CashBack on all Online Spends (Minimum transaction size of ₹ 2000)
• 1% CashBack on all Offline Spends and Wallet Reloads (Minimum transaction size of ₹ 100)
• 8 Complimentary Domestic Airport Lounge Access Annually
• 1000 Cash Points On Renewal Fee
• Waiver of 1% on Fuel Surcharge.

Welcome Gift (Sign-Up Bonus):

• First Year’s Membership Fee Waiver if You Spend ₹ 30,000 in the First 90 days
• 1000 Cash Points On Joining
• ₹ 1000 worth Gift Vouchers on Spends of ₹ 1,00,000 in each Calendar Quarter for the First Year only.

First Year Fee: ₹ 1000
Annual Fee: ₹ 1000
Annual Fee Waiver: If Your Spend is > ₹ 1,00,000
Reward Earn Ratio: 2.5% CashBack on all Online Spends, 1% CashBack on all Offline Spends
Reward Point Value: 1 CashPoint = ₹1
Interest-Free Credit Period: 20-50 Days
Purchase Protection: No
Fuel Surcharge Waiver: Yes

Who should Get this Credit Card?

• If you are okay with shopping online via HDFC Smartbuy.
• If you need Airport Lounge Access

8. OLA Money SBI Credit Card

Ola recently launched its OLA Money SBI Credit Card. It is a Co-branded Credit Card by SBI Card.

OLA Money SBI Credit Card offers 15% Cashback for the first year (7% afterwards) on all Ola rides.

This is the best credit card for online shopping for travellers.

Key Benefits:

• Zero Annual Fee for First Year
• 7% Cashback on all Ola rides
• 1% Cashback on all other Spends
• 5% Cashback on flight tickets booked via Cleartrip
• 20% Cashback on domestic hotels booked via Cleartrip
• 6% Cashback on international hotels booked via Cleartrip
• 12% Cashback on Activities booked via Cleartrip
• 20% Cashback at 12000+ Restaurants via Dineout (up to ₹200 per Month)
• Reward Points will be automatically credited to Ola Money Wallet
• Waiver of 1% on Fuel Surcharge.

Welcome Gift (Sign-Up Bonus):

• 15% Cashback on Ola rides for the First Year
• ₹ 300 Cleartrip Flight Voucher
• ₹ 350 Tata Cliq Gift Card
• 10 days free Cult.fit access
• 1+1 on Food and Drinks via Dineout for 3 Months

First Year Fee: Nil (0)
Annual Fee: ₹ 499
Annual Fee Waiver: If Your Spend is > ₹ 1,00,000
Reward Earn Ratio: 7% Reward Points on Ola rides, 1% Reward Points on all Other Spends
Reward Point Value: 1 Reward Point = ₹ 1
Redemption: Directly Credited to Ola Money Wallet
Interest-Free Credit Period: 20-50 Days
Purchase Protection: No
Fuel Surcharge Waiver: Yes

Who should Get this Credit Card?

• If you daily use Ola cab for your rides

9. Paytm First Credit Card

Paytm First Credit Card is launched by PayTM in collaboration with Citi Bank.

Paytm First Credit Card offers Unlimited 1% Cashback on all transactions. You’ll also get 1 Year of free Paytm First Membership worth ₹ 750.

I don’t recommend this credit card as most of the benefits are just for the first year. This card made its way to the best credit cards for an online shopping list just because of the unlimited 1% cashback.

Key Benefits:

• Unlimited 1% Cashback on all transactions
• Complimentary One Year Paytm First Membership
• Up to 20% discount at Partner Restaurants
• Get 2 Movie Tickets at the Price of 1 Ticket at PayTM
• Cashback Of up to ₹ 360 on adding money to your Paytm wallet.

Welcome Gift (Sign-Up Bonus):

• ₹ 1000 Cashback on Joining

First Year Fee: ₹ 500
Annual Fee: ₹ 500
Annual Fee Waiver: If Your Spend is > ₹ 50,000
Reward Earn Ratio: 1% Cashback
Interest-Free Credit Period: 20-50 Days
Purchase Protection: No
Fuel Surcharge Waiver: No

Who should Get this Credit Card?

• If you use PayTM First Membership
• If you love the easy And seamless Interface of the PayTm app.

Conclusion

I personally use 2 credit cards, Amazon Pay ICICI credit card and SBI SimplyClick credit card and my experience so far is great.

If this is your first credit card and you want the best credit card for online shopping then I recommend that you go for Amazon Pay ICICI credit card and Flipkart Axis bank credit card. It will cover most of your needs.

Let me know in the comments if you need any help.

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