Best Credit Card to do Online Shopping In India

Now that online shopping has become a significant way of purchasing anything at any time being at your place, it calls for a need for a reliable and beneficial online shopping credit card that would not only ensure to make your shopping easy but would also provide you with extra rewards and cashback. Following is a list of the 10 best credit cards to do online shopping in India.



Best Credit Card to do Online Shopping In India

Let us have a look at some of the best credit card options that you can select from for doing online shopping in India.

1)SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card covers the top brands in clothing, tours and travels, and entertainment. Therefore, SBI simply clicks credit card is the best to have. With this card, you are offered 10X reward points on BookMyShow, Amazon, Lenskart, Cleartrip, UrbanClap, Netmeds, etc.

Other than this, any other transaction made will provide you with a 25% cashback. If you mostly shop from Amazon or Cleartrip then this card is a recommendation for you.


•10X reward points on every transaction.

•Rs. 500 Amazon gift voucher as a welcome gift.


•Reward points are not applicable for e-wallet loading transactions.

2) HDFC Millenia Credit Card

The HDFC Millenia Credit Card has a wholesome range of benefits and advantages for a person who is usually involved in online shopping or online transactions. This credit card provides a cashback of 5% for every purchase being made from Flipkart, Myntra, Amazon, Cult, Zomato, Uber, Swiggy, and BookMyShow.

As a welcome gift, you are offered 1000 cash points. The card is easy and simple to use during most online payments. However, you have to pay an interest of 3.49% every month to keep the card active.


•5% cashback on a variety of platforms.

•1000 cash points as a welcome gift.


•The interest rate of the card is as high as 3.49% per month.

•Maximum age limit is 40 years.

3)Flipkart Axis Bank Credit Card

As the name suggests, the Flipkart Axis Bank Credit Card is majorly useful for people who are inclined towards doing most of their shopping from Flipkart. It offers a 5% cashback on shopping from Myntra and Flipkart.

Also, a 4% cashback is received when you make a payment on Uber, Swiggy, or PVR. Moreover, you enjoy 4 complimentary domestic lounge visits per year. Also, you get to have a 20% benefit on restaurants such as KFC, TGIF, etc.


•No annual joining fee.

•1% fuel surcharge waiver between Rs. 400 to Rs. 4000.

•1.5% cash back on other transactions.


•Not to mention any.

4) HSBC Cashback Credit Card

Without even having to worry about a minimum spending level, you can earn a cashback with the HSBC Cashback Credit Card. On every online payment, you will receive a 1.5% cashback. As a welcome gift, you are offered a voucher of Rs. 2250.

Whenever you place an order from Swiggy, you get a 20% discount if the payment is made via this credit card. Also, a 5% relaxation is provided on Amazon purchases. This credit card can be widely used on any platform and you are still sure to get a cashback.


•Rs. 2250 as a voucher gift is availed as a welcome gift.

•Versatile to use.


•Poor customer service.

5) ICICI Amazon Pay Credit Card

Having this card is one of the easiest ways to pay for everything that you shop online. A 3% cashback is received by users whenever a purchase is made via Amazon.For prime users, the cashback becomes as high as 5%. Also, on all the other transactions made, you get a 1% cashback. Paying via Amazon Pay would give you a 2% cashback on 100+ partner merchants of Amazon. In the restaurants that are partners of ICICI bank, you can enjoy a 15% relaxation on the bills.


•You do not have to pay any annual fee or joining fee.

•Easy and instant cashback on your favorite shopping sites.


•No lounge access.

6) Amex Membership Rewards Credit Card

With an annual fee of Rs.1000 to be paid, the Amex Membership Rewards Credit Card comes along with a bunch of benefits. If you spend Rs 5000 within 90 days of the activation of the credit card you will get 2000 member bonus rewards. When you spend any sum between Rs.90,000 to Rs. 1,49,000, you will enjoy a 50 percent fee waiver. For a 100 percent fee waiver, you have to spend Rs. 1,50,000. Use this card for shopping or during dining.


•Welcome gift of 4,000 bonus membership points.

•1 membership reward for every Rs.50 spent.


•Membership reward is not earned for expenditures on fuel, utilities, or insurance.

7) Axis Bank Buzz Credit Card

The Axis Bank Buzz Credit Card is primarily meant for people whose online shopping is majorly restricted to Flipkart. Firstly, you get to enjoy a discount on your purchases with Flipkart, and then you are likely to win vouchers of Rs. 7000 in a year. Moreover, reward points are also earned while doing online shopping. With the assistance of this card, you will also be notified of the exclusive deals going on at Flipkart.


•Rs. 7000 gift vouchers on Flipkart.

•10% instant discount on Flipkart from 1 to 5 every month.

•5% instant discount on Flipkart from 6 to 31 every month.


•Restricted to Flipkart only.

8) HDFC MoneyBack Credit Card

For first-time users of credit cards, this one is the best choice. The HDFC MoneyBack Credit Card can be availed at an annual fee of Rs. 500. Be it ordering food online, online shopping websites, or paying your bills via online transactions, everything can be instantly done with this credit card. All online transactions will give you 2X rewards. Moreover, on retail spending you get 2 points for every Rs. 150 spent. For converting every point to cashback, the rules are 20 paise for every point.


•Versatility of use.

•2X rewards on every online transaction.


•Annual fees of Rs.500 are to be paid.

9) Axis Bank NEO Credit Card

To enjoy the benefits of online shopping and entertainment, you can avail the Axis Bank NEO Credit Card. Vouchers for online shopping and booking movie tickets online are what you get with this credit card. For those who frequently shop from Myntra, this card is a go-to option as the card offers a 10% discount on Myntra.

The same is applicable for BookMyShow and Groffers. Also, you can have a 5% off on the payment of bills and a 40% discount on the Zomato food delivery. However, you only get to have 1 EDGE point after spending Rs.200.


•10% discount on Myntra and BookMyShow.

•Amazon gift voucher of Rs.250 on your first transaction as a welcome gift.

•40% off on Zomato delivery fees.


•Below average reward program.

10) Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card is a multipurpose card that you can avail of at a monthly fee of Rs.49. A variety of benefits on online shopping, dining, movies, travel, etc are provided by this credit card.

The card works best with brands such as Myntra, Zomato, Yatra, OLA, and Grofers. Hence, if you are a constant user of any of these brands, you can have the Standard Chartered DigiSmart Credit Card.


•20% off on Myntra.

•Up to 25% off on travel bookings via Yatra.

•15% cashback on OLA rides.


•Mostly suitable for certain brands only.


Credit cards are a necessity while doing online shopping. The fact that they provide you with a wholesome range of benefits makes the credit cards worth the use. However, with some cards, you have to pay a high annual fee while the others are restricted to benefit only some limited brands.

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