9 Best Credit Cards for Online Shopping in India (2020)

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 Offers 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 Bank Credit Card
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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 Shops More on Amazon. Cashback is Given in the form of 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 Flat 5% Cashback and there is no Annual Fee, so You loose 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 Some Details Online. Please note that you need to Enter 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.

Pros 👍🏻:

  • Truly Unlimited Cashback
  • Lifetime Free Credit Card
  • Fuel Surcharge Waiver
  • Easy Application

Cons 👎🏻 :

  • No rewards on Gold and EMI transactions at Amazon
  • No way to Redeem Rewards for Statement Credit

2. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card
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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 it’s Partners 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 then ₹ 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.

Pros 👍🏻:

  • Truly Unlimited Cashback
  • Free Airport Lounge Access
  • Fuel Surcharge Waiver

Cons 👎🏻 :

  • Annual Fee
  • Not So Seamless Application as Amazon Pay Credit Card

Check OutBest Savings Bank Accounts in India

3. American Express Membership Rewards Credit Card

American Express Membership Rewards Credit Card
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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 Card that Rewards 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 spends 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.

Pros 👍🏻:

  • Rewards on Adding Money in Wallets
  • Great Customer Support

Cons 👎🏻 :

  • Low Acceptability
  • High Annual Fee

4. Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card
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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 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 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 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.

Pros 👍🏻 :

  • Flat Discount.
  • Very Small Fee

Cons 👎🏻 :

  • Limited Number Of Merchants to Avail Discount
  • No Fuel Surcharge Waiver

5. HSBC Cashback Credit Card

HSBC Cashback Credit Card
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HSBC Cashback Credit Card

HSBC Cashback Credit Card Offers Unlimited Flat 1.5% Cashback on all Your Online Spends and Unlimited Flat 1% Cashback on all Your Other Spends.

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 Spends.
  • If You Prefer Direct Cashback over Reward Points.

Pros 👍🏻 :

  • Unlimited Cashback
  • Direct Cashback (No Reward Points)
  • Airport Lounge Access

Cons 👎🏻 :

  • No Fuel Surcharge Waiver
  • No Milestone Benefits

6. SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card
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SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card is Very Good Credit Card for the Those who Loves Online Shopping on Amazon.

SBI SimplyCLICK Credit Card offers 10X Reward Points on Amazon Purchases. that 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 â‚¹ 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 â‚¹ 100
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

Pros 👍🏻 :

  • Low Annual Fee
  • Fuel Surcharge Waiver
  • Milestone Benefits

Cons 👎🏻 :

  • Low rewards on Offline Spends
  • No airport lounge access
  • Limited Options for Reward Redemption

7. HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card
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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 Spends.

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 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 to Shopping Online via HDFC Smartbuy.
  • If You Need Airport Lounge Access

Pros 👍🏻 :

  • High Cashback via Smartbuy
  • Fuel Surcharge Waiver

Cons 👎🏻 :

  • No SmartBuy 10X Rewards Program

8. OLA Money SBI Credit Card

OLA Money SBI Credit Card
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OLA Money SBI Credit Card

Ola Recently Launched it’s OLA Money SBI Credit Card. It is a Co-branded Credit Card by SBI Card.

OLA Money SBI Credit Card Offers 15% Cashback for 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

Pros 👍🏻 :

  • Free for First Year
  • Fuel Surcharge Waiver

Cons 👎🏻 :

  • Maximum 1000 Cashback on Ola per Month

9. Paytm First Credit Card

Paytm First Credit Card
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Paytm First Credit Card

Paytm First Credit Card is Launched by PayTM in Colobaration 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 Best Credit Cards for 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 PayTM app.

Pros 👍🏻 :

  • Seamless integration with PayTM app
  • Free PayTM First Membership

Cons 👎🏻 :

  • No Fuel Surcharge Waiver
  • Invite Based Application

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 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 Comments if You Need any Help.

FAQs

Which is the Best Credit Cards for Online Shopping in India?

There is No Single Answer. It Depends on Your Needs and Usage.

How many Credit Cards can I have?

As Many as You Want. But, I Recommend that You Should Get Maximum Of 3-4 Credit Cards as Managing More Credit Cards and Paying the Bills will give You Headaches.

How to choose the Best Credit Cards for Online Shopping?

First of all, You Should List down All Your Requirements, Platform you Use for Shopping(like Amazon, Flipkart) then You can Pick Best one For you Buy Checking Out Benefits above.

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