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Best Online Shopping Credit Cards
The onset of COVID-19 globally has encouraged customers to switch to online shopping. Today, groceries, electronics, or clothes are available online and that too at competitive prices. Best Credit cards for online shopping exist to help customers maximise their savings and significantly reduce their overall expenditure.
Having a credit card focused on online shopping helps you pay less and save more. Following is the list of best online shopping credit cards in India that you can use to avail exciting offers and privileges.
List of 11 Best Online Shopping Credit Cards For 2022
1. Flipkart Axis Bank Credit Card
- Axis Flipkart Credit card is the only card in this category that provides free domestic lounge access.
- Also rewards you with 5% cashback on online shopping on Flipkart and Myntra.
- The card pampers comes with welcome benefits worth Rs 1000 (when you pay joining fees)
- 5% Cashback on Flipkart and Myntra.
- 4% Cashback on Goibibo, Makemytrip, PVR, Uber, and other brands.
- 4 complimentary visits per year to domestic airport lounges
- 1% fuel surcharge waiver
- 1.5% on all other spends
- International Airport lounge access is unavailable
- Cashback only on online spends
Why We Picked This Card?
The best cashback credit card if you shop majorly in the Flipkart ecosystem - Flipkart, Myntra, 2Gud. That's why it also made it to our list of best credit cards in India.
2. Amazon Pay ICICI Bank Credit Card
- Your love for online shopping and wish for getting extra rewards will come true with this ICICI credit card in association with Amazon India.
- It offers 5% unlimited cashback on all online spends on Amazon.
- Comes with a low income requirement and gets you great rewards as per its category.
- 5% Cashback on all purchases done on Amazon.in Prime (3% for non-Prime members)
- 1% Cashback on all other spends
- 15% discount on partner restaurants
- 1% fuel surcharge waiver
- If you wish to enjoy the full benefits, you need to have an Amazon Prime membership.
- There are no rewards for purchasing gold and on EMI transactions.
3. HDFC Millennia Credit Card
- HDFC Millennia is the card for you if your main spends are on travel and related expenses.
- It offers numerous rewards and cashback across categories.
- Gets you premium features like domestic airport lounge access and milestone-based rewards.
- Gives you cashback even on offline spends and wallet loads
- 5% cashback on Amazon, Sony LIV, Swiggy, Tata CLiQ, Uber, BookMyShow, Cult.fit, Flipkart, Myntra, and Zomato
- 20% instant discount on partner restaurants.
- 1% cashback on all other spends.
- 2 Complimentary domestic airport lounge visits.
- 1% fuel surcharge waiver across all fuel stations in India.
- Milestone-based reward system.
- Cashback has an upper limit of Rs 1000 for the first 6 months, and Rs 750 later on.
Why We Picked This Card?
The Millennia is a versatile credit card that gets you entry into the HDFC Bank suite of premium cards.
4. Axis Bank ACE Credit Card
- Axis Bank Ace credit card is a cashback-oriented credit card.
- It is a co-branded credit card in association with Google Pay.
- The bank has ensured no upper limit of cashback, making it a superb deal for big purchases, especially
- Has a low annual fee, making it the best credit card for students or freshers.
- 5% cashback on Google Pay on recharges and bill payments.
- 2-4% back on all other spends across various categories
- 4 Complimentary airport lounge access.
- 20% off on all partner restaurants using the Dining Delights Program.
- 1% fuel surcharge waiver across all fuel stations in India.
- No welcome benefits
Why We Picked This Card?
Offers versatility in rewards. Not limited to a certain platform.
5. HDFC Bank MoneyBack Credit Card
- An entry-level and cashback-oriented credit card, the HDFC MoneyBack provides decent rewards across all categories, including utility bill payments, shopping, and fuel.
- Offers 4 reward points on online spending and two reward points on all others.
- It also has a comfortable 50-day interest-free credit period.
- 5% cashback on hotels, dining, cab services, utility bill payments like electricity, mobile bills, etc.
- Complimentary accident insurance and purchase protection shield.
- Earned reward points can also be exchanged for cash.
- Milestone based rewards system is applicable.
- No complimentary domestic and international airport lounge access
- Earned reward points are only valid for two years.
Why We Picked This Card?
The MoneyBack, like the Millennia, is a great entry into the HDFC Bank group of rewarding cards. Get it if you want better rewards in the long term. This one is also one of the best credit cards for reward points.
6. SBI SimplyCLICK Credit Card
- The SimplyCLICK offers impressive rewards on travel bookings and online shopping.
- You also get an Amazon.in gift card worth Rs 500 when you pay the joining fees.
- It also gets you 10X rewards with partner websites and 5X on all other online spends.
- Earn 1 Reward point on every Rs 100 spent.
- 1% Fuel Surcharge waiver on a minimum spend of Rs 500
- Option of converting transactions (>Rs 2500) into EMI using Flexipay.
- 10X Reward Points on Cleartrip, FoodPanda, Lenskart, Bookmyshow, and more.
- No rewards on entertainment and dining.
- Conversion of rewards is cumbersome.
Why We Picked This Card?
SBI SimplyCLICK is one of the most rewarding entry-level credit cards from SBI Card. It gives you extra rewards on your online shopping transactions.
7. Axis Bank Neo Credit Card
- Neo is an entry-level shopping and entertainment-based credit card from Axis Bank.
- It offers various discounts, vouchers, and rewards on Zomato, Grofers, Paytm, Myntra, and BookMyShow.
- It also gives Axis Edge reward points on all transactions except fuel.
- 40% off on Swiggy and Zomato
- 10% off on certain movies, groceries, and online shopping.
- 5% cashback on mobile bill payments and utility bills using Paytm.
- 10% off on Grofers, Myntra, and BookMyShow.
- No complimentary airport and railway lounge visits on offer.
Why We Picked This Card?
If you want an allrounder card for your regular expenses on food, travel, and entertainment apps, this is the one for you.
8. Standard Chartered DigiSmart Credit Card
- Standard Chartered DigiSmart is a value for money credit card with multiple offers on Zomato, Grofers, and Myntra with no minimum spends.
- It is best for online purchases as it comes with attractive grocery, dining, and travel offers.
- Buy one get one free offer on Inox Cinemas applicable on Saturdays and Sundays.
- 10% off on Grofers and Zomato
- 15% Cashback on Ola Cabs.
- 20% off on Myntra with no minimum spend.
- No travel benefits like international and domestic airport lounge access.
Why We Picked This Card?
Solid, allrounder card from SC gets you discounts on your day-to-day expenses.
9. Lifestyle HC SBI Credit Card
- A co-branded credit card by SBI Card, this one is associated with Landmark stores.
- You get accelerated rewards on spending at Landmark stores (Lifestyle, Home Centre, Max, Spar), online and offline.
- Dining and movie spends also come with certain extra reward options
- Flexible 50-day credit period
- 5 Reward Points on every Rs 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max, and Spar) Dining & Movies
- 1 Reward point for every Rs 100 spent in all categories.
- 2000 reward points are credited as welcome benefit.
- Cashback worth Rs 100 on first ATM-based cash withdrawal.
- No complimentary international and domestic airport lounge access
Why We Picked This Card?
If you are a frequent shopper at Landmark stores, this one gets you the highest value for your spends.
10. HSBC Cashback Credit Card
- A cashback-oriented premium credit card, the HSBC Cashback card offers rewards on dining, travel, and online shopping.
- The best thing about this card is the absence of any upper limits on the cashback and reward points earned.
- It also offers instant discounts on Swiggy and Amazon.
- Unlimited cashback on all your transactions
- Get 1.5% cashback on all online spends (excluding wallet reloads) and 1% on all other spends.
- Welcome benefits worth Rs 500
- Zero lost card liability
- 3 Complimentary Airport lounge access and meal vouchers
- Cashback percentage is low when compared to other players in the market
Why We Picked This Card?
For those who swear by Swiggy and Amazon purchases, the HSBC Cashback card is the one you should be getting next.
11. Axis Bank Buzz Credit Card
- It is an exclusive credit card with various features like accelerated rewards and discounts on online shopping using Flipkart.
- It also has multiple rewards like 2 EDGE Reward points on every Rs 200 spent and 3 Edge Reward points on every Rs 200 spent online.
- 15% off on partner restaurants using the Dining Delights program.
- Welcome benefits worth Rs 1000 in the form of Flipkart gift vouchers.
- 10% off on Flipkart in the first five days of the month. 5% off in case of other days.
- Milestone-based rewards worth Rs 7000.
- Users can convert their spends into easy EMIs.
- Only focused on Flipkart spends, thus not a general credit card
- Absence of unlimited access to airport lounges
Why We Picked This Card?
Apart from the Axis Flipkart card, this is the next best for your Flipkart spends.
Compare Best Online Shopping Credit Cards
| Credit Cards | Joining Fees | Highest cashback on |
|---|---|---|
| Flipkart Axis | Rs 499 | Flipkart, Myntra |
| Amazon Pay ICICI | 0 | Amazon (Prime) |
| HDFC Bank Millennia | Rs 1,000 | Flipkart, Amazon, Travel |
| Axis Bank ACE | Rs 499 | Bill payments, recharge |
| HDFC Bank MoneyBack | 0 | Across online portals |
| SBI SimplyCLICK | Rs 499 | Amazon, BookMyShow, etc |
| Axis Bank Neo | Rs 250 | Zomato |
| Standard Chartered DigiSmart | Rs 49 per month | Myntra, Grofers, Zomato |
| Lifestyle HC SBI | Rs 499 | Landmark stores |
| HSBC Cashback | Rs 750 | Amazon |
| Axis Bank Buzz | 0 | Flipkart |
What to look for in a good credit card for online shopping?
1. Platform of choice
Before going for an online shopping credit card, you should know where you plan to spend the most on. There are credit cards suited for Amazon, Flipkart, travel, Zomato, and even for general online purchases. Make sure you shortlist your platforms of choice and go for a credit card that offers the most cashback or discount on that particular app. The above table is a good way to find out which card offers the highest rewards on which portal.
2. Fees and charges
While benefits are a big consideration in picking a credit card, fees and charges are also equally important. Pick a card with the lowest annual fee to benefit ratio. A lot of cards on this list are lifetime free credit cards in India, which helps you make the most of your card.
Online shopping and credit cards go hand to hand. Credit cards also offer various safety features like purchase protection and credit shield. These covers are applicable for at least 45 days from the date of purchase. If the customer feels unsatisfied, they can avail these privileges, and your credit card company will be responsible for a refund. So, let us know which one of these best online shopping credit cards are on your watchlist.
FAQs
Which type of card is best for online shopping?
Cashback cards are usually the best for online shopping benefits in India. We have curated several good options in this list.
What is the safest credit card for online shopping?
All cards on this list are safe for online shopping transactions in India.
Which credit card is best for Amazon online shopping?
The Amazon Pay ICICI card is the absolute best for Amazon online shopping with 5% flat cashback and lifetime free benefits.