Best credit card for online shopping in India (2022).

If you’re like me, your holiday shopping list this year is long. It includes everyone from the in-laws to your best friend’s new baby. And while you may have a budget tha

t won’t buy any one of them everything they want, it doesn’t mean you can’t get them something nice-something that will make their day, and maybe even their year.

But what do you get them? If you’re not careful, the wrong present can cost you a lot of money, or even worse, put you in debt. So this holiday season, instead of stressing about what to buy your loved ones, use your credit card to ease the burden.

Credit cards are a great way to make your holiday shopping easier and cheaper. By using a credit card, you can avoid the hassles of cash and check writing, and you can even get rewards for your spending.

But with so many different cards out there, it can be hard to know which one is right for you. To help you out, we’ve put together a list of the best credit cards for online shopping in India.

Top 10 Best Credit Cards for Online Shopping in India.

1. ICICI Amazon Pay credit card

Amazon Pay ICICI Bank credit card
Amazon Pay ICICI Bank credit card

The ICICI Amazon Pay a credit card is a great option for online shoppers. It offers 5% cashback on Amazon purchases to prime members and 3% to non-prime members. There is no joining fee or annual fee for this card.

Apart from this, the card also offers 2% cashback on 100+ partner merchants of Amazon and 1% cashback on all other transactions. There is a 15% discount at partner restaurants of ICICI Bank and a 1% fuel surcharge waiver across all petrol pumps.

Features of Amazon Pay credit card

  • No joining fee or annual fee.
  • 5% cashback for Prime members on Amazon purchases, 3% for Non-Prime members.
  • 2% cashback on 100+ partner merchants of Amazon, 1% on all other transactions.
  • Save time and money when you shop online.
  • Get cashback on your favorite shopping sites.

Why We Picked It

The 5% cashback and No annual & Joining Fees make it one of the best credit cards for online shopping in India. That’s why It’s our top pick. If you are a prime member and shop regularly on Amazon, this card is for you.

Pros & Cons

+Pros:

  • No annual or joining fee.
  • 5% cashback on Amazon purchases for Prime members.
  • 3% cashback on Amazon purchases for Non-Prime members.
  • 2% cashback on 100+ partner merchants of Amazon.
  • 1% fuel surcharge waiver across all petrol pumps.

-Cons:

  • No Lounge access.
  • No airport transfers.

2. Flipkart Axis Bank Credit Card

Flipkart axis bank credit card
Flipkart axis bank credit card

The Flipkart Axis Bank Credit Card is one of the best credit cards for online shopping in India. It offers 5% cashback on Flipkart, Myntra, and 2GUD, and 4% cashback on Cure. fit, Swiggy, PVR, and Uber, and 1.5% cashback on other categories. It also comes with Rs. 500 worth of joining and activation benefits from Flipkart, Gaana, Myntra and Plum Goodness.

In addition, cardholders can enjoy 4 complimentary domestic lounge visits every year and up to a 20% discount at 4,000+ partner restaurants including KFC, TGIF, Berco’s, etc.

Apart from this, the card also offers a 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000.

Features of Flipkart Axis Bank Credit Card

  • Get 5% cashback on Flipkart, Myntra, and 2GUD.
  • 4% cashback on Cure. fit, Swiggy, PVR, and Uber.
  • 1.5% cashback on other categories.
  • Rs. 500 worth of joining and activation benefits from Flipkart, Gaana, Myntra, Plum Goodness, and The Phy Life.
  • 4 complimentary domestic lounge visits every year.
  • 20% discount at 4,000+ partner restaurants including KFC, TGIF, Berco’s, etc.
  • 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000.

Why We Picked It

The 5% cashback on Flipkart and other sites makes it one of the best credit cards for online shopping in India. The 5% cashback without any joining & Annual, and the Rs.500/- joining and activation benefits are some of the reasons to go for this card.

If you shop regularly on Flipkart or Myntra, this card is for you.

Pros & Cons

+Pros:

  • No annual or joining fee.
  • 5% cashback on Flipkart, Myntra, and 2GUD.
  • 4% cashback on Cure. fit, Swiggy, PVR, and Uber.
  • 1.5% cashback on other categories.

-Cons:

Nothing as such.

3. SBI SimplyCLICK Credit Card

Simply Click Sbi Credit Card
Simply Click Sbi Credit Card

Online shopping is a great way to get the best deals, but it can be hard to find the time and money for all those purchases.

The Simply Click Credit Card from SBI offers 10X Reward Points on online shopping with exclusive partners such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, etc. All other online spending gives you 1.25% back.

This means for an Rs. 10,000 purchases on Amazon, you get 1,000 reward points which are redeemable for gift vouchers from Amazon or Cleartrip.

With this card, you can get the best of both worlds – time-saving online shopping and money-saving rewards.

One of the main drawbacks of the card is that its reward redemption avenues are very limited. So, if you are satisfied with Amazon/Cleartrip vouchers and do most of your shopping online, then this card is the right pick for you.

Features of SBI SimplyCLICK Credit Card

  • 10X Reward Points on online shopping with exclusive partners such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, etc.
  • 1.25% back on all other online spendings.
  • Rs. 499 Joining and Annual Fees.
  • Rs.500 Amazon Voucher as Welcome Benefits.
  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000

Why We Picked It

The SBI SimplyCLICK Credit Card is one of the best credit cards for online shopping in India because it offers 10X Reward Points on online shopping with exclusive partners such as Amazon, BookMyShow, and Cleartrip, Lenskart, Netmeds, UrbanClap, etc.

The Rs. 499 Joining and Annual Fees are very nominal compared to the benefits that you get with this card.

Pros & Cons

+Pros:

  • 10X Reward Points on online shopping with exclusive partners such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, etc.
  • Rs. 500 Amazon Voucher as Welcome Benefits.
  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000

-Cons

  • Rewards Points are not available on e-wallet loading transactions(MCCs 6540 and 6541 ).
  • Not available in all cities.

4. Axis Bank Ace Credit Card

Axis Bank Ace Credit card
Axis Bank Ace Credit card

Are you looking for a new credit card for online shopping?

The Axis Bank ACE Credit Card is the perfect card for anyone who wants to do more with their money. It comes with an annual fee of Rs. 499 + 18% GST which will not be charged if the subscriber spends Rs. 10,000 within 45 days of issuance of the card.

With the Axis Bank ACE Credit Card, you can get 5% cashback on the payment of bills, like electricity, gas, DTH, Mobile recharge, etc., and 4% on Swiggy, Zomato, Ola. There is also a 2% cashback on any other kind of spend.

If you do not want to shop on Amazona and Flipkart, then you should go with this card. The Axis Bank ACE Credit Card also offers a foreign currency markup of 1.99% of the spend for those who want to purchase from websites dealing in foreign currencies.

This card also provides a fuel surcharge waiver of 1% on all fuel transactions between Rs. 400 to Rs. 4,000 to the maximum of Rs. 500 per statement cycle (no cashback on fuel transactions).

Additionally, the Axis Bank ACE Credit Card gives you a 20% discount at partner restaurants in India and you can also convert transactions of more than Rs.2,500 to EMIs at 1.0% or 1.08% or 1.25% or 1.5% or 2 % (based on the offer) per month on monthly reducing balance.

Eligibility for the Axis Bank ACE Credit Card is the age between 18 and 70 for the primary account holder (for others there is no limit as such). The account holder should be a resident of India.

Features of Axis Bank ACE Credit Card:

  • Joining fee of Rs.499 + 18% GST
  • 5% cashback on the payment of bills, like electricity, gas, DTH, Mobile recharge, etc.
  • 4% on Swiggy, Zomato, Ola.
  • 2% on any other kind of spend.
  • 20% discount at partner restaurants in India.

Why We Picked It

2% cashback on any other kind of spend makes it one of the best credit cards for online shopping in India. You do not need to possess an active Amazon or Flipkart account to avail the benefits of this card.

+Pros:

  • 5% cashback on the payment of bills, like electricity, gas, DTH, Mobile recharge, etc.
  • 4% on Swiggy, Zomato, Ola.
  • 2% on any other kind of spend.
  • Low annual fee.
  • Unlimited Cashback

-Cons

  • No Cashback on fuel transactions.
  • No welcome benefits

5. HDFC Millennia Credit Card

Hdfc millennia credit card
Hdfc millennia credit card

The HDFC Millennia Credit card is one of the best credit cards for online shopping which has a lot of features that can make your life easier. The HDFC Millennia Card gives 5% cashback on any purchase from Amazon, BookMyShow, and Cult. fit, Flipkart, Myntra, Sony LIV, Swiggy (till INR 1000), Tata CLiQ, Uber, and Zomato).

It also has a very attractive welcome offer of 1000 CashPoints, which is equal to Rs.1. The best thing about this card is that it has no annual fee, so you can use it without any worries.

The only disadvantage of this card is that it has a high-interest rate of 3.49% per month. Therefore, if you are not careful with your spending, you might end up paying a lot of money in interest. Overall, the HDFC Millennia Credit Card is a great choice for online shopping.

Features of HDFC Millennia Credit Card:

  • Joining Fee of Rs.1,000
  • An annual fee or renewal fee of Rs.1,000
  • 5% cashback Partner Sites (Amazon, BookMyShow, Cult. fit, Flipkart, Myntra, Sony LIV, Swiggy (till Rs. 1000), Tata CLiQ, Uber, and Zomato)
  • 1% cashback on all other spendings.
  • 1% fuel surcharge waiver
  • Welcome offer of 1,000 CashPoints
  • 1 Cashpoint is equal to Rs. 1.

Why We Picked It

This card is a great option for those who frequently shop online, as it offers cash back rewards on several different transactions. In addition, the card has a relatively low annual fee and offers a welcome bonus of 1,000 CashPoints.

+Pros:

  • 5% Cashback on partner brands.

-Cons

  • Cashback is limited to Rs.1,000 per month.
  • At least 500 CashPoints to redeem.
  • The maximum age limit is 40 years.

6. American Express SmartEarn Credit Card

American Express SmartEarn Credit card
American Express SmartEarn Credit card

The American Express SmartEarn Credit Card is a great option for those who frequently shop online. This card comes with zero lost card liability, a yearly interest of 14% per annum if one converts the purchase to equated monthly installments (EMIs), and emergency card replacement.

Additionally, users earn 10X Membership Rewards Points for every Rs. 50 spent on Flipkart, Amazon, and Uber. For other online purchases, users earn 5X Membership Rewards Points for every Rs. 50 spent.

However, it is important to note that this card is only available for customers in selected cities and some stores in India do not accept Amex cards. There are also no Membership Reward Points for spending on fuel, insurance, or utility payments.

Overall, the American Express SmartEarn Credit Card is a great option for those who frequently shop online and want to earn rewards points.

Features of American Express SmartEarn Credit Card:

  • Joining Fee of Rs.500
  • An annual fee of Rs.500
  • 10X Membership Rewards Points for every Rs. 50 spent on Flipkart, Amazon, and Uber.
  • 5X Paytm wallet, Swiggy, BookMyShow, and more.
  • 1X Membership Rewards Point for every Rs.50 spent on all other purchases.

Why We Picked It

This card is a great option for those who frequently shop online, as it offers 10X Membership Rewards Points on Flipkart, Amazon, and Uber purchases. In addition, the card has a relatively low annual fee and provides emergency card replacement and zero lost card liability.

+Pros:

  • 10X Membership Rewards Points on Flipkart, Amazon, and Uber purchases.
  • 5X Paytm wallet, Swiggy, BookMyShow, and more.

-Cons:

  • Only available in selected cities.
  • Some stores do not accept Amex cards.
  • No Membership Reward Points for fuel, insurance, or utility payments.

7.  Standard Chartered DigiSmart credit card.

The Standard Chartered DigiSmart credit card is the perfect option for online shoppers. This card works on all platforms, and there is a guaranteed reward for every purchase. With a minimal fee of Rs.49 per month, the card comes with multiple rewards.

For movie lovers, the card offers rewards on INOX tickets on the weekends, twice a month. Similarly, shoppers can avail of 10% off on grocery shopping through Groffers five times a month, 20% off on Myntra with a maximum discount of Rs.700 once a month, and 10% off on Zomato five times a month.

So, if you are looking for a credit card that offers great rewards for online shopping, the Standard Chartered DigiSmart credit card is a perfect choice.

Features of Standard Chartered DigiSmart Credit Card:

  • Minimum monthly fee of Rs.49
  • Rewards on INOX tickets, Groffers, Myntra, and Zomato
  • Maximum discount of Rs.700 on Myntra
  • 10% off on Zomato five times a month

Why We Picked It

This card is a great option for those who frequently shop online, as it offers rewards on INOX tickets, Groffers, Myntra, and Zomato. In addition, the card has a relatively low monthly fee and provides a maximum discount of Rs.700 on Myntra.

+Pros:

  • Rewards on INOX tickets, Groffers, Myntra, and Zomato
  • Maximum discount of Rs.700 on Myntra
  • 10% off on Zomato five times a month

-Cons:

  • Minimum monthly fee of Rs.49

8. HSBC cashback credit card

The HSBC Cashback Credit Card is a great option for online shoppers, as it offers 1.5% cashback on all online spending and 1% cashback on all other purchases. Plus, there’s no minimum spending limit, making it easy to earn rewards on every purchase you make.

You can also enjoy a 20% discount on Swiggy orders and 5% off on Amazon purchases when you use this card.

Plus, there’s a sign-up bonus worth Rs. 2,250 comprising Amazon vouchers (worth Rs.1,000), Big Basket vouchers (worth Rs.250), Myntra vouchers INR300 x 5 (worth Rs.1,500), and an Ajio voucher of Rs. 600 x 5 (worth Rs.3,000).

So if you’re looking for a cashback credit card that offers great rewards and discounts on your everyday spending, the HSBC Cashback Credit Card is a great option.

Why We Picked It

The HSBC Cashback Credit Card is a great option for online shoppers, as it offers 1.5% cashback on all online spending and 1% cashback on all other purchases. Plus, there’s no minimum spending limit, making it easy to earn rewards on every purchase you make.

+Pros:

  • 1.5% cashback on online spending
  • 1% cashback on all other purchases
  • No minimum spend limit
  • 20% discount on Swiggy orders
  • 5% off on Amazon purchases
  • Sign-up bonus worth Rs. 2,250
  • 3 complimentary airport lounge access at domestic & international lounges or 3 meal vouchers.

-Cons:

  • Annual fee of Rs. 750
  • 3% foreign currency transaction fee

9.HDFC Regalia credit card

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card

The HDFC Regalia credit card is one of the best options for online shoppers. This card offers a host of benefits, including 12 complimentary airport lounge access within India and 6 outside India, a bonus of 10,000 reward points on Rs. 5 lakhs spends an additional 5,000 reward points on Rs. 8 lakhs spent on an anniversary year, 4 Reward Points on every Rs.150 spent, and more.

Additionally, there is no annual fee for the next year if you spend Rs.3 lakhs in the previous year. This card also offers up to 15 lakhs of medical emergency protection, up to 1 crore of air accident cover, and more. These benefits make the HDFC Regalia credit card an ideal option for online shoppers.

Why We Picked It

The HDFC Regalia credit card is a good option for online shopping, but there are other options without more expensive annual fees.

Pros:

  • 12 complimentary airport lounge access within India and 6 outside India
  • The bonus of 10,000 reward points on Rs. 5 lakhs spends an additional 5,000 reward points on Rs. 8 lakhs spent on an anniversary year
  • 4 Reward Points on every Rs.150 spent
  • Complimentary domestic and international airport lounge access
  • Up to 15 lakhs of medical emergency protection
  • Up to 1 crore of air accidents cover

-Cons:

  • Annual fee of Rs. 2,500 from the second year onwards.

10.IDFC First Millennia Credit Card

IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card

The IDFC First Millennia Credit Card is one of the best credit cards for online shopping. It offers rewards and cashback on all online spending, and also comes with complimentary airport lounge access. This makes it the perfect card for anyone who loves to shop online.

The card also has a very competitive interest rate, making it a great choice for anyone looking to finance their purchases. Overall, the IDFC First Millennia Credit Card is an excellent choice for anyone who loves to shop online.

Features and Benefits:

• Complimentary airport lounge access

• Rewards and cashback on all online spending

• Competitive interest rate

• No annual fee

Why We Picked It

No annual fees and joining fees, making it an affordable option. Complimentary airport lounge access is a great perk for frequent travelers. Very competitive interest rate, making it a good choice for those looking to finance their purchases

How do credit cards work for online shopping

When you use a credit card for online shopping, the purchase is processed in the same way as any other purchase. The credit card company will authorize the transaction and then send the money to the merchant. You will then be responsible for paying back the credit card company for the purchase.

The main benefit of using a credit card for online shopping is that it offers protection against fraud. If you use a debit card or bank account for online shopping, you may be at risk of having your information stolen. Credit cards also offer purchase protection, which means that if you don’t receive the item you purchased, you can dispute the charge with your credit card company.

To use a credit card for online shopping, you will need to provide your credit card number, expiration date, and security code. You will also need to provide your billing address and shipping address. Once you have provided this information, you will be able to complete the purchase.

Some online retailers also offer the option to pay with a credit card through a third-party service such as PayPal. This can be a convenient option if you don’t want to enter your credit card information on the retailer’s website.

When you use a credit card for online shopping, it is important to remember to pay your bill on time. If you don’t, you will be charged interest and late fees. You should also try to pay off your balance in full each month to avoid paying interest.

What are the benefits of using a credit card for online shopping.

When it comes to online shopping, using a credit card can be a great way to keep your finances in order. For one thing, you can easily track your spending when you use a credit card.

This can help you stay within your budget and avoid overspending. Additionally, using a credit card can help you build up your credit score. When you make on-time payments, you’ll improve your credit rating, which can save you money in the long run.

Finally, using a credit card can give you peace of mind. With a credit card, you’re protected against fraudulent charges, and you can often dispute charges if necessary. All in all, using a credit card for online shopping can be a smart financial decision.

How to use a credit card for online shopping.

A credit card can be a convenient way to pay for online purchases. To use a credit card for online shopping, you will first need to find a website that accepts credit cards as payment. Once you have found a website, you will need to enter your credit card information.

This includes the card number, the expiration date, and the security code. After you have entered your credit card information, you will be asked to confirm your purchase. Once your purchase is confirmed, your credit card will be charged and you will receive your item.

It’s important to remember that you are responsible for paying your credit card bill on time. If you don’t, you will be charged interest and late fees. You should also try to pay off your balance in full each month to avoid paying interest.

What to look for when choosing a credit card for online shopping.

When choosing a credit card for online shopping, it’s important to consider the features that are most important to you. Here are some things to look for:

A. Rewards program: A good rewards program can give you cash back or points for every dollar you spend. This can be a great way to save money on your online purchases.

B. Sign-up bonus: Many credit cards offer a sign-up bonus, which is typically a certain amount of cash back or points. This can be a great way to get started with your online shopping.

C. Low-interest rate: A low-interest rate can save you money on your credit card bill.

D. No annual fee: Many credit cards charge an annual fee, but some don’t. If you shop online often, it may be worth looking for a card with no annual fee.

E. Fraud protection: When shopping online, it’s important to find a credit card that offers fraud protection. This can help you avoid being charged for unauthorized purchases.

F. Customer service: When shopping online, it’s important to have access to good customer service. If you have any problems with your purchase, you should be able to reach customer service easily.

Conclusion

So, what is the best credit card for online shopping in India? The answer to this question may vary depending on your needs and spending habits, but we hope that our list of the top five credit cards for online shoppers has given you a good starting point.

Do you have a favorite credit card that wasn’t included on our list? Let us know in the comments below.

And don’t forget to share this post with your friends and family – after all, who doesn’t love a great deal?

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