For some people, there is nothing more therapeutic than shopping. Earlier, you only had the option to go to a physical store to buy anything you wanted, but with the latest technology advancements, you can now effortlessly and safely shop around on your digital device without having to step out of your house. The best part – there are unlimited options to browse around from!
If you are someone who finds themselves always searching for something new to purchase every other day, then having a credit card for online shopping might be your best choice. With Jupiter’s Edge RuPay Credit Card, you can earn cashback on every purchase and shop with confidence.
Things to Keep in Mind When Choosing an Online Shopping Credit Card?
Picking the right online shopping credit card means checking what rewards fit your spending habits. Look at cashback rates, annual fees, and extra perks that match how you actually spend your money.
- Compare cashback percentages across shopping, flights, and hotels to match your typical expenses
- Check if the card charges annual or joining fees that eat into your rewards
- Verify zero forex markup for international transactions if you shop abroad online
- Look for supplementary benefits like travel insurance or lounge access
What is a Credit Card for Online Shopping?
A credit card for shopping is crafted to meet the demands of enthusiastic shoppers. Unlike standard credit cards, these cards are packed with perks like higher reward points, cashback, and special discounts, especially for shopping. They aim to make your shopping experience more rewarding, ensuring each purchase gives you more value. Whether you shop online or in physical stores, using a shopping credit card can result in substantial savings over time. This card is a financial asset for those who often enjoy shopping or have consistent spending needs.
15 Best Credit Cards for Online Shopping in India 2026
There are several credit card issuers and banks in India that offer the best rewards on credit cards for online shopping. We have compiled a list of such credit cards with their joining, annual, and renewal fees for your reference:
| Best Credit Card for Online Shopping | Joining Fees | Lifetime Free | Annual Fee | Shopping Rewards |
| Jupiter Edge UPI Credit Card | NIL | Yes | NIL | Guaranteed 2% cashback on shopping |
| Amazon Pay ICICI Credit Card | NIL | Yes | NIL | 5% cashback on Amazon purchases for Prime members |
| HDFC MoneyBack+ Credit Card | – | No | 500 + Applicable Taxes | Earn 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket purchases |
| American Express SmartEarn™ Credit Card | – | No | 495 + Applicable Taxes | Earn 10X Membership Rewards® Points at Zomato, Flipkart, Myntra, Blinkit, Uber, Nykaa, Ajio, PVR, BookMyShow, and more |
| SBI SimplyCLICK Credit Card | 499 | No | 499 | Earn 10 reward points per ₹100 spent online at Apollo 24×7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmeds, and Yatra |
| HSBC Visa Platinum Credit Card | Zero first-year fee | No | Second year onwards, zero fee | Unlock up to 5X the rewards points—10 points per purchase—once you hit ₹4 lakh annual spend |
| RBL Bank Monthly Treats Credit Card | – | No | 100 | 5X Reward Points on online spends. |
| Flipkart Axis Bank Credit Card | 500 | No | 2nd Year Onward: ₹500 Annual Fee waived on annual spends over ₹3,50,000 | Get 4% cashback on shopping at Cleartrip, Cult.fit, PVR, Swiggy, and Uber |
| SBI Cashback Credit Card | 999 | No | 999 | Earn 5% cashback on any online purchase, no merchant limits |
| HDFC Regalia Gold Credit Card | 2500 + Applicable Taxes | No | 2500 + Applicable Taxes | 5X Reward Points on Marks & Spencer, Myntra, Nykaa & Reliance Digital spends |
1. Jupiter Edge UPI Credit Card
Joining Fees
NIl
Lifetime Free
Yes
Annual Fee
NIl
Other Features
- UPI Payments: Use your credit card for UPI transactions by scanning any QR code.
- Airport Lounge Access: Enjoy 4 domestic lounge visits per calendar year.
- Control via App: Manage your card settings, including freezing the card and resetting the PIN, directly through the Jupiter app.
The Jupiter Edge UPI Credit Card offers a simple way to earn cashback on online purchases and UPI transactions. With no annual fees and flexible cashback options, it’s perfect for those who prefer managing their payments digitally and want to save on fees.
Shop online and earn cashback on every purchase with the best credit cards for online shopping.
Get Edge CSB Bank RuPay Credit Card on Jupiter
2. Amazon Pay ICICI Credit Card
Joining Fees
NIl
Lifetime Free
Yes
Annual Fee
NIl
Other Features
- Cashback is credited to Amazon Pay balance within 2 days.
- No minimum amount is required for cashback use.
- Unlimited rewards with no expiry.
- Redeem cashback on Amazon and partner websites.
This card is perfect if you’re a regular Amazon shopper, especially if you have a Prime membership. You get great cashback on all Amazon-related purchases and partner merchants, plus no annual fee, making it an easy choice for Amazon fans.
3. HDFC MoneyBack+ Credit Card
Joining Fees
–
Lifetime Free
No
Annual Fee
500 + Applicable Taxes
Annual Fee and Waiver: ₹500 + taxes, waived if you spend ₹50,000 in a year.
Other Features
- Up to 20% discount on partner restaurants via Swiggy Dineout.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India.
This card is great for people who shop online frequently, especially on Amazon and Flipkart and use services like Swiggy. The rewards add up fast, and it’s nice to get discounts on dining and fuel too.
4. American Express SmartEarn™ Credit Card
Joining Fees
–
Lifetime Free
No
Annual Fee
495 + Applicable Taxes
Annual Fee and Waiver: ₹495 + taxes, waived on annual spends of ₹1.2 lakh.
Other Features
- ₹500 cashback on spending ₹10,000 in the first 90 days.
- ₹500 vouchers for spending ₹1.2 lakh, ₹1.8 lakh, and ₹2.4 lakh in a year.
Ideal for online shoppers who frequent platforms like Flipkart, Myntra, and Amazon. The card offers accelerated rewards on these platforms and additional benefits like cashback on initial spending and milestone vouchers.
5. SBI SimplyCLICK Credit Card
Joining Fees
499
Lifetime Free
No
Annual Fee
499
Annual Fee and Waiver: ₹499; waived if annual spending exceeds ₹1,00,000.
Other Features
- Fuel Surcharge Waiver: No surcharge on fuel purchases between ₹500 and ₹3,000.
- Flexipay: Convert purchases above ₹2,500 into monthly installments.
- Worldwide Use: Accepted globally at over 24 million outlets.
The SBI SimplyCLICK Credit Card is designed with online shoppers in mind, offering extra rewards on purchases made through popular e-commerce platforms. With a manageable annual fee that can be waived by meeting spending requirements, it’s a great option for those who shop online regularly and want to make the most of their rewards.
6. HSBC Visa Platinum Credit Card
Joining Fees
Zero first-year fee
Lifetime Free
No
Annual Fee
Second year onwards, zero fee
Annual Fee and Waiver: ₹1,000; waived if annual spends exceed ₹1,00,000.
Other Features
- Fuel Surcharge Waiver: No surcharge on fuel purchases between ₹500 and ₹3,000.
- Global Use: Accepted worldwide at millions of outlets.
- Contactless Payments: Enjoy faster and safer payments with contactless technology.
The HSBC Visa Platinum Credit Card is perfect for those who spend frequently on shopping and dining. With a solid rewards program and extra benefits like contactless payments, it’s ideal for anyone looking to earn more from their everyday purchases.
7. RBL Bank Monthly Treats Credit Card
Joining Fees
–
Lifetime Free
No
Annual Fee
100
Annual Fee and Waiver: ₹1,000; waived if annual spends exceed ₹1,00,000.
Other Features
- Fuel Surcharge Waiver: No surcharge on fuel purchases between ₹500 and ₹3,000.
- Flexipay: Convert purchases over ₹2,500 into monthly installments.
- Global Acceptance: Use the card at millions of outlets worldwide.
The RBL Bank Monthly Treats Credit Card is great for people who spend a lot on dining, groceries, and utility bills. With generous rewards in these categories and the option to waive the annual fee, it’s a practical choice for those looking to get the most out of their daily expenses.
8. Flipkart Axis Bank Credit Card
Joining Fees
500
Lifetime Free
No
Annual Fee
500
Annual Fee and Waiver: ₹500 + 18% GST; annual fee waived if you spend ₹2,00,000 in a year.
Other Features
- Joining Benefit: ₹1,100 worth of Flipkart vouchers after activation.
- Fuel Surcharge Waiver: 1% waiver at all fuel stations.
- Annual Fee Waiver: Spend ₹2,00,000 annually to waive the fee.
The Flipkart Axis Bank Credit Card is perfect for those who regularly shop on Flipkart or Myntra. It offers solid cashback on these platforms, along with benefits for both online and offline purchases. It’s a great option for anyone who wants to earn rewards while shopping on these popular sites.
9. SBI Cashback Credit Card
Joining Fees
999
Lifetime Free
No
Annual Fee
999
Annual Fee and Waiver: Joining Fee: ₹999; Renewal Fee: ₹999 (waived if annual spends exceed ₹2,00,000).
Other Features
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel purchases between ₹500 and ₹3,000, up to ₹100 per statement cycle.
- Contactless Payments: Enjoy the convenience of tap-and-go payments for small-ticket purchases.
- Worldwide Acceptance: Use the card at over 24 million outlets globally.
- Add-on Cards: Provide add-on cards to family members above 18 years of age.
- Balance Transfer on EMI: Transfer outstanding balances from other banks’ credit cards to this card at a lower interest rate and repay in EMIs.
This card is perfect for individuals who make frequent online purchases and prefer a straightforward cashback system without merchant restrictions. You can earn up to 5000 INR cashback every month if your spending is around 1 lakh.
10. HDFC Regalia Gold Credit Card
Joining Fees
2500 + Applicable Taxes
Lifetime Free
No
Annual Fee
2500 + Applicable Taxes
Annual Fee and Waiver: Joining Fee: ₹2,500; Renewal Fee: ₹2,500 (waived if annual spends exceed ₹3,00,000).
Other Features
- Welcome Benefit: Get complimentary Swiggy One and MMT Black Gold membership
- Airport Lounge Access: Enjoy complimentary access to over 1,000 airport lounges worldwide.
- Golf Privileges: Avail complimentary golf games and lessons at select courses.
- Concierge Services: Access 24/7 concierge services for travel, dining, and entertainment needs.
- Insurance Coverage: Benefit from comprehensive insurance coverage, including air accident and medical emergencies.
- EMI Conversion: Convert purchases into easy EMIs at competitive interest rates.
The HDFC Regalia Credit Card is perfect for frequent travellers and reward seekers. With 2 reward points per ₹150 spent and extra points for travel bookings, this card offers great value. Its perks, including airport lounge access and travel insurance, make it ideal for those who prioritize comfort and security. Additionally, cardholders can enjoy dining discounts, making it a solid choice for travel and lifestyle benefits.
How to Apply for a Credit Card for Online Shopping?
Applying for a shopping credit card is easy. You simply have to visit the credit card issuer’s website and apply there. Many banks now allow you to apply for credit cards online, making the process convenient. Here’s how you can apply for a shopping credit card directly through your bank’s website:
Steps to apply for a shopping credit card online:
- Go to your bank’s official website
- Find the shopping credit card you’re interested in
- Click on the card for detailed information
- Hit the ‘Apply’ button to start your online application
Once you submit your application, you’ll receive a reference number. The bank will review your application within three to four days. If you meet their eligibility criteria, you’ll get a call about the next steps.
If everything is in order, expect the bank to process your credit card within seven to ten days. You can also track your application status using the reference number on the bank’s website.
Want to earn maximum rewards while shopping?
Get Edge CSB Bank RuPay Credit Card on Jupiter
Documents Required for Credit Card for Online Shopping
- Proof of identity
- Address proof
- Passport size photographs
- Proof of income
Who Can Apply for Online Shopping Credit Card?
Below is the eligibility criteria for getting a shopping credit card in India:
-
Age
Most applicants should fall within the 21 to 60 age range, though there can be some exceptions
-
Income
Having a reliable income is crucial. ICICI Bank may set specific monthly or annual income criteria based on the card type
-
Credit History
A solid credit score indicates financial reliability and can make the application process easier
-
Residential Status
Resident Indians and NRIs can both apply, provided they have the necessary documentation
Documents Required
- Proof of identity (Aadhaar, PAN, or passport)
- Address proof (utility bill, rental agreement, or government ID)
- Passport size photographs (2–4 colour photos, 4×6 cm)
- Proof of income (salary slips, ITR, or bank statements)
What to Look for in Online Shopping Credit Cards?
When choosing the best credit card for shopping, there are several factors to consider according to your goals and needs. Below are some points to remember:
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1. Cashback
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2. Brand Discounts
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3. Welcome Rewards
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4. Bonus Points on Categories
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5. No Hidden Fees
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6. International Shopping
-
7. Purchase Security
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8. Easy Rewards Redemption
Types of Shopping Credit Cards In India
There are three main types of shopping credit cards in India, such as:
Cashback Shopping Cards
Cashback shopping credit cards do exactly what their name suggests: they return a portion of your spending as cashback. The cashback percentage can differ depending on the retailer. If you frequently shop with specific brands, it’s worth looking for credit cards that provide cashback for those particular stores.
Shopping Cards with Accelerated Rewards
While shopping credit cards might not guarantee immediate rewards, they can definitely delight you with various gifts and incentives. Unlike typical purchases, spending in certain categories—such as clothing, accessories, and beauty products—earns you extra reward points. These points can be redeemed for gifts, discounts, and special offers from your bank.
Shopping Cards with Discount Offers
Certain shopping credit cards offer ongoing discounts for purchases at specific retailers, both in-store and online. If you often shop at a particular store, like Shoppers Stop, LifeStyle, or Trends, consider selecting a credit card that gives you savings on your spending at those locations.
How to Use a Shopping Credit Card
Purchasing with a shopping credit card is relatively easy; however, you should be aware of the steps beforehand to have a smoother experience. Let’s take a look at how to use your shopping card efficiently:
- A
- B
- C
Eligibility and Documents Required for Credit Card for Online Shopping
Getting a credit card for online shopping is straightforward. You’ll need to be at least 21 years old, have a stable income, and a decent credit score (usually 650+). Most banks want your PAN card, Aadhaar, recent payslips, and bank statements from the last 3-6 months. If you’re self-employed, keep your ITR handy. Your address proof can be your utility bill or rental agreement. The good news? Many fintechs now approve cards faster, sometimes within hours. Check Jupiter’s credit card options to see what fits your shopping habits and spending patterns best.
FAQs
What is a Credit Card for Online Shopping?
A credit card for shopping is crafted to meet the demands of enthusiastic shoppers. Using a shopping credit card can result in substantial savings over time.
How to Apply for a Credit Card for Online Shopping?
Simply visit the credit card issuer’s website and apply there.
Who Can Apply for Online Shopping Credit Card?
Typically, you must be an Indian resident aged 21-60 with a stable income and good credit history to qualify for a shopping credit card. Some exceptions and additional requirements may apply based on the specific card and bank.
What to Look for in Online Shopping Credit Cards?
Prioritize cashback, rewards, and discounts tailored to your shopping habits. Consider factors like annual fees, interest rates, and additional perks such as purchase protection and insurance. Also look for global acceptance for seamless online shopping experiences.
How to Use a Shopping Credit Card?
Firstly, add desired items to your cart and proceed to checkout. Enter shipping and billing details, then select ‘credit card’ as your payment method and put card details accurately.
What can I redeem my credit card reward points for?
Depending on the credit card issuing company and the type of card you have, you can redeem your reward points against their catalogue of rewards against any outstanding balance. Some cards offer the facility to redeem points against gift vouchers, movie tickets, hotel bookings, flights, cash credit, or donations to a charity.
What are accelerated reward points?
Accelerated reward points refer to bonus points you earn for certain types of purchases. These categories can vary depending on the card and may include options like online shopping, travel, or grocery expenses.
What are large-value purchases?
Large-value purchases are items that are worth thousand or lakh of rupees, such as flights, jewellery, holiday bookings, digital devices, flight tickets, electrical appliances, and others.
What is the advantage of reward points?
Reward points increase your savings by maximising your discounts.
Where can I redeem my reward points?
You can effortlessly redeem your reward points by logging into your net banking account and navigating to your credit card section. If you’ve opted to use your points for items in the rewards catalogue, they will be delivered right to your doorstep. Alternatively, if you choose air miles, you can use them to purchase airline tickets.
What is a third-party payment processor?
Using a third-party payment processor allows a company to accept payments without setting up a merchant account, which is essential for holding funds from credit and debit card transactions.
Is buying a product online with a credit card safe?
Yes, making a purchase online with a credit card is completely safe. Just make sure you are making purchases on trusted websites and apps.
Which is better debit card or a credit card?
With a debit card, you purchase from your own bank account, but with a credit card, you are purchasing something on the line of credit given to you that you later need to return with interest. Moreover, compared to a debit card, credit cards provide more protection against fraud.
Who should get an online shopping credit card?
If you are a regular shopper who always loves browsing your favourite shopping sites and discovering new platforms or websites, then an online shopping credit card is great for you!
Can I get a lifetime free credit card for online shopping?
Yes, you can get a lifetime free credit card designed for online shopping. Jupiter’s Edge CSB RuPay Credit Card comes with zero annual fees and zero joining fees, so you’ll never pay to use it. It’s perfect if you shop online regularly and want to maximize rewards without worrying about card charges.
Are there credit cards specifically for UPI online payments?
Most credit cards work for UPI payments, but few are specifically designed for them. Your best bet is cards offering cashback or rewards on digital transactions. Jupiter’s Edge Credit Card gives you great benefits on all online spending, including UPI transfers.
What is the minimum salary required for a shopping card?
Most shopping cards, including Jupiter’s Edge CSB RuPay Credit Card, don’t have a strict minimum salary requirement. What matters more is your credit score and income stability. Check with the card issuer for their specific eligibility criteria.
How can I maximize rewards and discounts with the best credit card for shopping?
Pick a card that gives cashback or points on your spending categories—groceries, dining, travel. Use it for everyday purchases, pay your full balance on time to avoid interest charges, and stack rewards with store loyalty programs. Check your card’s bonus categories and spend smartly there to earn the most.
How can I manage my credit card payments effectively when shopping online?
Set up automatic payments to avoid missing deadlines and late fees. Track your online purchases in real time through your card’s app, and try to spend only what you can repay monthly. This keeps your credit score healthy and stops interest charges from piling up.
