Best Credit Card for Online Shopping

Below is the list of the top 10 credit cards for online shopping in India, including the best HDFC credit card for online shopping, and other banks’ credit cards:

1. Flipkart SBI Credit Card

• Best For: Online Shopping & Cashback
• Key Features & Benefits:
  • ₹250 Flipkart gift card on joining fee realisation.
  • 12% off on Cleartrip.
  • 5% cashback on Flipkart.
  • 7.5% cashback on Myntra.
  • 4% cashback on preferred/ select merchants.
  • 1% cashback on all other eligible spends.
  • 1% fuel surcharge waiver (up to ₹400 per statement cycle, per credit card account) at all petrol pumps in India, on transactions of ₹500 to ₹4,000.
• Charges:
  • Joining fee: ₹500 + taxes.
  • Annual fee: ₹500 + taxes; Reversed on annual spends of ₹3.5 Lakhs in the preceding year.

2. SBI SimplyClick Credit Card

• Best For: Online Shopping & Rewards
• Key Features & Benefits:
  • This best SBI credit card for online shopping, which offers an Amazon.in gift card worth ₹500 on payment of the annual fee.
  • 10X reward points on online spends with Apollo 24x7/ BookMyShow/ Cleartrip/ Dominos/ IGP/ Myntra/ Netmeds/ Yatra.
  • 5X reward points on all other online spends.
  • 1 reward point for every ₹100 spent on all other spends.
  • e-Vouchers worth ₹2,000 of Cleartrip/ Yatra on achieving annual online spends of ₹1 Lakh as well as ₹2 Lakhs respectively.
  • 1% fuel surcharge waiver (up to ₹100 per statement cycle, per credit card account) for every transaction between ₹500 and Rs 3,000.
• Charges: 
  • Joining fee: ₹499 + taxes.
  • Annual fee: ₹499 + taxes; Reversed on spending ₹1 Lakh in the preceding year.

3. Swiggy HDFC Bank Credit Card

• Best For: Online Shopping & Cashback
• Key Features & Benefits:
  • Complimentary 3 Months Swiggy One Membership on card activation within the first 30 days of its issuance.
  • 10% cashback on spending on the Swiggy App for food orders, Instamart, Dineout, and Genie.
  • 5% cashback on select online spends on multiple apps and websites.
  • 1% cashback on other categories (except fuel/ EMI/ rent/ wallet/ jewellery/ government spends).
  • Access to golfcourses globally and 12 free lessons every year.
  • 4 complimentary rounds of green fees every calendar year.
  • Discounted golf course services at 50% of the green fee after complimentary sessions. 
• Charges: 
  • Joining fee: ₹500 + applicable charges.
  • Annual fee: ₹500 + applicable charges; Waived on spending ₹2 Lakhs or more in a year, before the card renewal date.

4. HDFC MoneyBack Plus Credit Card

• Best For: Online Shopping & Dining
• Key Features & Benefits:
  • 10X cashpoints (up to 3.3.% valuback) on Flipkart, Amazon, Swiggy, BigBasket, and Reliance Smart SuperStore.
  • 2 cashpoints on every ₹150 spent on other spends.
  • 500 reward points on joining fee payment.
  • ₹500 worth gift voucher on spending ₹50,000 or more quarterly.
  • 10% additional discount on Swiggy Dineout using the coupon code HDFCCARDS.
  • 1% fuel surcharge waiver (up to ₹250 per statement cycle) for every transaction between ₹400 and ₹5,000.
• Charges: 
  • Joining fee: ₹500 + applicable charges.
  • Annual fee: ₹500 + applicable charges; Waived on spending ₹50,000 or more in a year, before the card renewal date.

5. HDFC Millennia Credit Card

• Best For: Online Shopping & Cashback
• Key Features & Benefits:
  • 5% cashback on Myntra, Amazon, Flipkart, Tata CLiQ, Zomato, Swiggy, Uber, BookMyShow, Sony LIV, and Cult.fit.
  • 1% cashback on other spends.
  • Up to 10% cashback at over 200 brands through SmartBuy/ PayZapp shop.
  • Earn reward points equivalent to the membership fee amount upon fee payment. 
  • Get either a gift voucher worth ₹1,000 or 1 domestic lounge access per quarter on quarterly spends of ₹1 Lakh and above.
  • 10% additional discount on Swiggy Dineout using the coupon code HDFCCARDS.
  • 1% fuel surcharge waiver (up to ₹250 per statement cycle) at all fuel stations in India for every transaction between ₹400 and ₹5,000.
• Charges: 
  • Joining fee: ₹1,000 + applicable charges.
  • Annual fee: ₹1,000 + applicable charges; Waived on spending ₹1 Lakh or more in a year, before the card renewal date.

6. Axis Bank Neo Credit Card

• Best For: Online Shopping & Discount
• Key Features & Benefits:
  • Up to ₹120 off on food delivery from Zomato, twice a month (on a minimum order value of ₹499) by using the AXISNEO coupon code.
  • 5% off (up to ₹150 per month), once a month on utility bill payments (mobile/ DTH/ broadband) done through the Paytm app (on a minimum order value of ₹299) by using the AXISNEO coupon code.
  • 10% off (up to ₹250 per month), once a month on Blinkit, on spending a minimum of ₹750.
  • ₹150 off on Myntra on a minimum purchase value of ₹999 on select styles.
  • 10% (up to ₹100 per month) off on every movie ticket purchase through BookMyShow.
  • 15% off (up to ₹500 per month) at all partner restaurants via EazyDiner on a minimum order value of ₹2,500, once per card per month.
  • Instant savings of up to 15% on booking flights and hotels via MakeMyTrip.
  • 10% off (up to ₹150) on orders via Swiggy.
  • 10% off (up to ₹1,000) on Tira. 
  • Earn 1 Edge Reward Point on spending every ₹200 and redeem them against 500+ rewards and offers.
  • 100% cashback (up to ₹300) on payment of the first utility bill within the first 30 days of card issuance.
• Charges: 
  • Joining fee: ₹250; Lifetime free for select channels.
  • Annual fee: ₹250; Lifetime free for select channels.

7. Flipkart Axis Bank Credit Card

• Best For: Online Shopping, Cashback, & Lounge Access
• Key Features & Benefits:
  • ₹350 worth of activation benefits (only paid variants), ₹250 worth of Flipkart vouchers (only paid variants), and 50% (up to ₹100) instant discount on the first Swiggy order (all variants) as welcome benefits.
  • 7.5% cashback (up to ₹4,000 per statement quarter) on Myntra spends.
  • 5% cashback (up to ₹4,000 per statement quarter) on Flipkart and Cleartrip spends.
  • Unlimited 4% cashback on preferred merchants (Cult.fit, PVR, Swiggy, and Uber).
  • Unlimited 1% cashback on other eligible categories. 
  • 1% fuel surcharge waiver (up to ₹400 per statement cycle) across all fuel stations in India for every transaction between ₹400 and ₹4,000.
  • Minimum 15% off (up to ₹500) at partner restaurants in India with Axis Bank Dining Delights with EazyDiner. 
  • Instant savings of up to 15% on booking flights and hotels via MakeMyTrip.
  • 10% off (up to ₹150) on orders via Swiggy.
  • 10% off (up to ₹1,000) on Tira. 
• Charges: 
  • Joining fee: ₹500; Waived for first year free cards (select period offer).
  • Annual fee: ₹500; Waived on annual spends of ₹3.5 Lakhs.

8. Amazon Pay ICICI Credit Card

• Best For: Amazon Shopping
• Key Features & Benefits:
  • 5 Prime Member Points for every ₹100 spent on Amazon.
  • 3 Non-Prime Member Points for every ₹100 spent on Amazon.
  • 2 Points on every ₹100 spent on 100+partner merchants on Amazon.
  • Unlimited reward points up to 5% on Amazon purchases.
  • 1% unlimited reward points on spends outside Amazon.
  • Non-expiring, seamless, unlimited reward points, easy redemption.
  • Lower forex mark-up of 1.99% on international spends.
  • Up to 4% cashback on iShop.
  • 1% surcharge waiver for all fuel purchases.
• Charges: 
  • Joining fee: Nil.
  • Annual fee: Nil.

9. YES Bank POP-CLUB Credit Card

• Best For: Shopping & Rewards
• Key Features & Benefits:
  • Welcome benefits of a 3-month Zomato Gold Mini membership, a 6-month PharmEasy Plus membership, and a Cleartrip voucher worth ₹750.
  • 10 POPCoins for spending every ₹100 on online transactions.
  • 2 POPCoins for spending every ₹100 on other transactions.
  • Accelerated POPCoins on over 500 brands on the POPclub app.
  • Get an additional 1500 POPCoins on crossing spends worth 1.5 Lakhs.
  • Link your RuPay card on POPUPI to earn POPCoins. 
  • 1 POPCoin = Up to ₹1.
  • 1% Fuel surcharge waiver.
• Charges: 
  • Joining fee: Nil
  • Annual fee: Lifetime free (limited-time offer)

10. MagniFi Fi-Federal Credit Card

• Best For: Shopping & Travel
• Key Features & Benefits:
  • 20% off (maximum ₹100) on Zomato on a minimum order value of ₹500 once a month, on food orders only.
  • 20% off (maximum ₹100) on Zepto on a minimum order value of ₹500, once a month.
  • 20% off (maximum ₹100) on Amazon on a minimum order value of ₹500, once a month.
  • 20% off (maximum up to ₹100) on BookMyShow on a minimum order value of ₹500, once a month.
  • Earn 200 Fi-Points on spending ₹1,000 on eligible dining, shopping, entertainment, and grocery & food spends. Monthly limit on weekend rewards (Saturday - Sunday) is 2,000 Fi-Points (worth ₹500).
  • Earn 20 Fi-Points (4X rewards) for every ₹1,000 spent on select brands (Uber, UrbanCompany, Flipkart, MakeMyTrip) on the weekends. Monthly limit on weekdays rewards (Monday - Friday) is 2,000 Fi-Points (worth ₹500).
  • 100 Fi-Points = ₹25.
  • Up to ₹5,000 on Yatra (domestic).
  • Up to ₹5,000 on Musafir.
  • Up to ₹2,000 off on Air India.
  • 0.5% back on all Fi spends.
  • Up to 5% off on Japan Airlines.
  • Up to 50% off on food orders on Grab.
  • Up to 50% off on cab rides on Grab.
  • 20% off on stays at IHG.
  • Flat 25% off on the base fare of Bloom Hotels.
  • 25% on cabs on Grab Transport.
  • Up to 14% off on e-gift vouchers of Travel Gift Card.
• Charges: 
  • Joining fee: Nil.
  • Annual fee: Nil.

• Reward Points & Cashback: Earn reward points or get value back for online purchases. Sometimes your rewards are accelerated on specific platforms.
• Partner Offers: Unique discounts can be availed on shopping through partner online retaile₹
• Exclusive Discounts: Saving some extra money with special deals and exclusive discounts during the sale period and festive seasons.
• Security: Many online shopping credit cards offer robust fraud monitoring, encryption & OTPs for secure transactions, and protection against damage/ theft for items purchased.
• Instant Checkout: Save your card details on trusted online platforms for faster payments.
• Wider Acceptance: These cards are accepted almost universally online.
• Emergency Funds: Credit cards provide a safety net for any unexpected online purchases. 
• Credit Score: Using credit cards responsibly helps build a strong credit history.
• Flexible Repayments: You can easily convert your large online purchases into affordable EMIs. 
• Travel Benefits: Some of these cards can earn you redeemable air miles and/or complimentary lounge access.
• UPI Integration: Use your card seamlessly with digital payment apps/UPIs.