Introduction
Online shopping has become an integral part of our lives, and using the right credit card can make it even more rewarding. From cashback on Amazon and Flipkart to reward points on fashion and electronics, these credit cards are tailored for e-commerce enthusiasts. In this guide, we’ve shortlisted the best credit cards in India for online shopping, along with their benefits and value propositions.
Top Credit Cards for Online Shopping in 2025
1. Amazon Pay ICICI Credit Card
- Why It’s Great:
- 5% cashback on Amazon for Prime members and 3% for non-Prime members.
- 1% cashback on all other spends, including online and offline purchases.
- No annual fee, making it a no-cost option for Amazon loyalists.
- Key Details:
- Annual Fee: ₹0.
- Best For: Amazon users and low-maintenance cashback.
2. Flipkart Axis Bank Credit Card
- Why It’s Great:
- 5% cashback on Flipkart and Cleartrip.
- 4% cashback on Swiggy, Uber, and PVR, and 1.5% cashback elsewhere.
- Unlimited cashback with no caps.
- Ideal for Flipkart shoppers with added versatility for food delivery and cab rides.
- Key Details:
- Annual Fee: ₹500 + 18% GST = ₹590 (waived on ₹2,00,000 annual spends).
- Best For: Flipkart users and versatile e-commerce spenders.
3. SBI Cashback Credit Card
- Why It’s Great:
- 5% cashback on all online spends (excluding rent, wallets, and fuel).
- Cashback capped at ₹5,000/month (~₹60,000 annually).
- 1% cashback on offline spends.
- Key Details:
- Annual Fee: ₹999 + 18% GST = ₹1,179.
- Best For: High` online spenders who shop across platforms.
4. HDFC Millennia Credit Card
- Why It’s Great:
- 5% cashback on Amazon, Flipkart, Zomato, and Swiggy, capped at ₹1,000/month.
- 2.5% cashback on offline spends, capped at ₹2,000/quarter.
- Key Details:
- Annual Fee: ₹1,000 + 18% GST = ₹1,180.
- Best For: E-commerce shoppers with moderate spending patterns.
5. HSBC Cashback Credit Card
- Why It’s Great:
- 1.5% unlimited cashback on online spends.
- 1% cashback on offline spends.
- Great for users who prefer flat cashback without caps.
- Key Details:
- Annual Fee: ₹499 + 18% GST = ₹589 (waived on ₹1,00,000 annual spends).
- Best For: General online shoppers seeking flat cashback.
Comparison Table
| Card Name | Annual Fee (+ GST) | Cashback/Rewards | Cap | Best For |
| Amazon Pay ICICI Credit Card | ₹0 | 5% on Amazon (Prime), 3% (Non-Prime), 1% elsewhere | No cap | Amazon shoppers |
| Flipkart Axis Bank Credit Card | ₹590 | 5% on Flipkart/Cleartrip, 4% Swiggy/Uber, 1.5% elsewhere | No cap | Flipkart loyalists and versatile users |
| SBI Cashback Credit Card | ₹1,179 | 5% online, 1% offline | ₹5,000/month | High online spenders |
| HDFC Millennia Credit Card | ₹1,180 | 5% Amazon/Flipkart/Zomato/Swiggy, 2.5% offline | ₹1,000/month (online) | Moderate e-commerce users |
| HSBC Cashback Credit Card | ₹589 | 1.5% unlimited online, 1% offline | No cap | General online shoppers |
Why These Cards Are the Best for Online Shopping
- Amazon Pay ICICI Credit Card: Best for frequent Amazon shoppers who want a no-fee card.
- Flipkart Axis Bank Credit Card: Best for users who shop on Flipkart, Cleartrip, and use Swiggy or Uber.
- SBI Cashback Credit Card: Perfect for high online spenders, with 5% cashback across platforms.
- HDFC Millennia Credit Card: Ideal for moderate online shoppers, offering benefits on Amazon, Flipkart, and Swiggy.
- HSBC Cashback Credit Card: Great for users looking for flat cashback across all online platforms.
Conclusion
Choosing the best credit card for online shopping depends on your preferences and shopping platforms. For Amazon loyalists, the Amazon Pay ICICI Card is a no-brainer. For those who shop on Flipkart, Cleartrip, and other e-commerce platforms, the Flipkart Axis Bank Credit Card delivers unmatched versatility. Meanwhile, high online spenders will find the SBI Cashback Credit Card most rewarding, while users seeking flat cashback can opt for the HSBC Cashback Credit Card.
