Introduction
With e-commerce booming in India, online shopping has become a regular habit for millions. Whether it’s ordering groceries from BigBasket, gadgets from Flipkart, or clothing from Myntra, your payment mode can impact your savings. This is where credit cards specifically designed for online purchases come into play.
Choosing the best credit card for online shopping in India isn’t just about convenience; it’s about getting maximum rewards, cashback, discounts, and security. In this article, we’ll explore the top options available in 2025, compare their features, and help you decide what works best based on your shopping preferences.
Key Features to Look for in Online Shopping Credit Cards
Before diving into the list, let’s understand what features make a credit card ideal for online shopping:
| Feature | Importance |
|---|---|
| Cashback or Reward Points | Save more on every purchase |
| Partner Discounts | Additional savings on Amazon, Flipkart, etc. |
| EMI Conversion Options | Flexibility in payments |
| Low Annual Fees | Better value for money |
| Security Features | Safe transactions with OTP and fraud protection |
Top 7 Best Credit Cards for Online Shopping in India – 2025
Let’s look at the best-performing credit cards tailored for Indian online shoppers in 2025.
1. Amazon Pay ICICI Credit Card
Best for: Frequent Amazon Shoppers
Key Features:
- 5% cashback for Amazon Prime members
- 3% cashback for non-Prime members
- 2% cashback on partner merchants (Swiggy, BookMyShow, etc.)
- 1% cashback on all other transactions
- No annual or joining fee
Pros:
- Lifetime free card
- Direct cashback as Amazon Pay balance
- Seamless integration with Amazon
Cons:
- Benefits heavily skewed towards Amazon purchases
2. Flipkart Axis Bank Credit Card
Best for: Flipkart, Myntra, and lifestyle brand shoppers
Key Features:
- 5% cashback on Flipkart, Myntra, and 2GUD
- 4% cashback on Swiggy, PVR, Uber
- 1.5% cashback on all other spends
- Joining fee: ₹500 (waived off on annual spend > ₹2 lakhs)
Pros:
- Great value on major lifestyle and entertainment platforms
- Easy EMI conversion
Cons:
- Cashback capped for some categories
3. HDFC Millennia Credit Card
Best for: Overall e-commerce platforms (Amazon, Flipkart, Swiggy)
Key Features:
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato (on using PayZapp or SmartBuy)
- 1% cashback on all other online spends
- Contactless payment enabled
- Annual fee: ₹1,000 (waived if you spend ₹1 lakh annually)
Pros:
- High cashback potential across multiple platforms
- Good welcome bonus offers
Cons:
- Cashback only on PayZapp/SmartBuy usage
4. SBI SimplyCLICK Credit Card
Best for: Beginners and online retail
Key Features:
- 10X rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds via SBI’s partner link
- 5X rewards on all other online spends
- Annual fee: ₹499 (waived on annual spend of ₹1 lakh)
- Welcome e-gift voucher worth ₹500
Pros:
- Ideal for beginners with limited credit history
- Multiple e-commerce partners
Cons:
- High reward value only through specific partner links
5. Axis Bank Neo Credit Card
Best for: Youth and budget online shoppers
Key Features:
- 10% instant discount on Zomato, Blinkit, BookMyShow
- Up to 40% off on partner brands (Myntra, Paytm)
- Annual fee: ₹250 only
Pros:
- Affordable with multiple youth-centric benefits
- Discounts available without minimum spend
Cons:
- Lesser cashback compared to premium cards
6. HSBC Cashback Credit Card
Best for: Flat cashback on everyday online transactions
Key Features:
- 10% cashback on food delivery, groceries, and dining
- 1.5% cashback on all other online spends
- Annual fee: ₹999 (waived off at ₹2 lakh spend)
Pros:
- Cashback credited directly to statement
- Good for all-purpose online shoppers
Cons:
- No platform-specific extra perks
7. ICICI Coral Credit Card
Best for: Balanced online and offline spenders
Key Features:
- 2x reward points on online spending
- Access to airport lounges
- Offers on BookMyShow, utility bills
- Annual fee: ₹500 (waived on spend > ₹1.5 lakh)
Pros:
- Decent rewards with lifestyle benefits
- Affordable for salaried professionals
Cons:
- Reward redemption process can be slightly complex
Comparison Table of Best Online Shopping Credit Cards in India (2025)
| Credit Card | Cashback/Rewards | Annual Fee | Best For |
|---|---|---|---|
| Amazon Pay ICICI | 5% on Amazon (Prime) | ₹0 | Amazon users |
| Flipkart Axis | 5% on Flipkart | ₹500 | Flipkart & lifestyle |
| HDFC Millennia | 5% via PayZapp | ₹1,000 | Versatile e-shoppers |
| SBI SimplyCLICK | 10X rewards on partners | ₹499 | Beginners |
| Axis Neo | Up to 10% off | ₹250 | Students/Youth |
| HSBC Cashback | 10% on essentials | ₹999 | Flat cashback |
| ICICI Coral | 2x rewards | ₹500 | Balanced users |
How to Choose the Right Credit Card for Online Shopping
Here’s a simple decision-making guide:
| Criteria | Recommended Card |
|---|---|
| Mostly shop on Amazon | Amazon Pay ICICI |
| Flipkart & Myntra frequent buyer | Flipkart Axis |
| Want general cashback | HSBC Cashback |
| Looking for low-fee card | Axis Neo |
| First-time credit card holder | SBI SimplyCLICK |
| Multi-platform user (Zomato, Swiggy, etc.) | HDFC Millennia |
| Occasional shopper + travel perks | ICICI Coral |
Tips to Maximize Benefits of Online Shopping Credit Cards
- Use Partner Platforms: Ensure you’re shopping via linked portals like SBI’s “10X” partners.
- Use Cards for EMI Offers: Many cards offer zero-cost EMI on large purchases.
- Pay Bills in Full: Avoid interest by clearing the bill before the due date.
- Use Mobile Wallets/Apps: Some cards offer extra cashback on apps like PayZapp.
- Track Your Rewards: Redeem reward points before they expire.
Are These Credit Cards Safe for Online Use?
Yes. All major banks in India equip their credit cards with:
- 2-Factor Authentication
- OTP-based payment confirmations
- Zero-liability fraud protection
- App-based card lock/unlock features
Make sure to avoid saving your card details on unknown websites and only use secure payment gateways.
FAQs: Best Credit Cards for Online Shopping
Q1. Which is the best no-annual-fee card for online shopping in India?
The Amazon Pay ICICI Credit Card is the best lifetime free option for Amazon users.
Q2. Can I get EMI options on online shopping with these cards?
Yes, most cards like HDFC Millennia, Flipkart Axis, and ICICI Coral offer EMI conversion at checkout.
Q3. Do I need to be a Prime member for Amazon Pay ICICI benefits?
No, but Prime members get 5% cashback while non-Prime get 3%.
Q4. Can students apply for these cards?
Yes, Axis Neo and SBI SimplyCLICK are great entry-level options for students or first-time users.
Conclusion: Final Thoughts on Choosing the Right Credit Card for Online Shopping in India
In 2025, the Indian credit card market is highly tailored to your online shopping needs. Whether you’re loyal to Amazon or Flipkart, or prefer flat cashback across all platforms, there’s a card that fits perfectly.
Remember to analyze your shopping behavior, preferred platforms, and budget before making a decision. With the right credit card in your wallet, you can unlock tremendous savings, benefits, and peace of mind with every online purchase.