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15 Best Credit Card for Online Shopping in India 2025
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.
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 elevate your shopping experience, ensuring each purchase is more rewarding. 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 retail therapy or have consistent shopping needs.
15 Best Credit Cards for Online Shopping in India
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 purchases at Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket |
| American Express SmartEarn™ Credit Card | – | No | 495 + Applicable Taxes | Earn 10X Membership Rewards® Points on purchases 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 5 times the rewards points—10 points for every purchase—once you exceed the annual spend threshold of ₹4 lakh |
| 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 off on annual spends greater than ₹3,50,000 | Enjoy 4% cashback on shopping with preferred merchants such as Cleartrip, Cult.fit, PVR, Swiggy, and Uber |
| SBI Cashback Credit Card | 999 | No | 999 | Earn 5% cash back on any online purchase without merchant limitations |
| HDFC Regalia Gold Credit Card | 2500 + Applicable Taxes | No | 2500 + Applicable Taxes | 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital! |
1. Jupiter Edge UPI Credit Card
Joining Fees
NIl
Lifetime Free
Yes
Annual Fee
NIl
Cashback & Rewards
- 2% Cashback: Earn 2% cashback on your choice of category: Shopping, Travel, or Dining.
- 0.4% Cashback: Receive 0.4% cashback on all other UPI and credit card transactions.
- Welcome Reward: Get a ₹250 voucher from a top brand like Amazon or Flipkart upon your first payment.
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.
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2. Amazon Pay ICICI Credit Card
Joining Fees
NIl
Lifetime Free
Yes
Annual Fee
NIl
Cashback & Rewards
- 5% cashback on Amazon.in purchases for Amazon Prime members.
- 3% cashback on Amazon.in purchases for non-Prime members.
- 2% cashback on payments to Amazon Pay partner merchants.
- 1% cashback on all other transactions.
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 on annual spends of ₹50,000.
Cashback & Rewards
- 10X CashPoints on Amazon, BigBasket, Flipkart, Swiggy, and more.
- 2 CashPoints per ₹150 spent on other categories (except wallet loads, fuel, and vouchers).
- ₹500 gift voucher on spends of ₹50,000 per quarter.
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.
Cashback & Rewards
- 10X Membership Rewards® Points on purchases at popular sites like Zomato, Myntra, Uber, and more.
- 5X Membership Rewards® Points for Amazon purchases.
- 1 Membership Rewards® Point for every ₹50 spent in other categories.
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.
Cashback & Rewards
- 5X Reward Points: Earn 5 reward points for every ₹100 spent on online shopping with brands like Amazon, BookMyShow, and Cleartrip.
- 1X Reward Point: Get 1 reward point for every ₹100 spent on other purchases.
- Welcome Benefit: Receive a ₹500 Amazon gift voucher after paying the annual fee.
- Milestone Benefits: Earn e-vouchers worth ₹2,000 on spending ₹1,00,000 or ₹2,00,000 annually.
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.
Cashback & Rewards
- 10X Reward Points: Earn 10 points per ₹150 spent on online shopping, dining, and entertainment.
- 1X Reward Point: Get 1 point for every ₹150 spent on all other purchases.
- Welcome Benefit: Get 2,000 reward points after paying the annual fee.
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.
Cashback & Rewards
- 10X Reward Points: Earn 10 reward points for every ₹100 spent on dining, groceries, and utility bill payments.
- 1X Reward Point: Get 1 reward point for every ₹100 on all other purchases.
- Welcome Benefit: Receive 2,000 reward points after paying the annual fee.
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.
Cashback & Rewards
- Flipkart and Myntra Purchases: 5% cashback on transactions.
- Other Online Purchases: 1.5% cashback on all other online purchases.
- Offline Purchases: 1% cashback on offline transactions.
- Welcome Benefit: ₹500 Flipkart voucher on your first transaction.
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).
Cashback & Rewards
- 5% Cashback: Earn 5% cashback on all online spends, with no merchant restrictions.
- 1% Cashback: Receive 1% cashback on all offline spends.
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).
Cashback & Rewards
- 4 Reward Points: Earn 4 reward points per ₹150 spent on all purchases.
- 1 Reward Point: Receive 1 reward point per ₹150 spent on utility bill payments.
- Bonus Points: 10,000 bonus points when you spend ₹5,00,000 in a year.
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
- Complete the application form with accurate details, read the terms and conditions, and then click ‘Submit’
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.
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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
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:
-
1. Cashbacks
Most people want to get great cashback when shopping. Hence, the best credit card for online shopping in India is the one that gives you high cashback on shopping and other purchases.
-
2. Discounts
Do you have any go-to brands or online shopping platforms where you always end up buying your stuff? Well, then, you should lean more towards a credit card that provides more discounts at your favourite platform for maximum benefits.
-
3. Gift Vouchers
Many credit card issuers provide gift vouchers upon reaching a certain spending value on the card. So, if you are a regular shopper, consider getting credit cards that offer such gift vouchers in return for spending.
-
4. Bonus Points
Numerous card issuers provide bonus points for online purchases to encourage online shopping. These bonus reward points can be accumulated and exchanged for various rewards, such as gifts, vouchers, mobile recharges, or even statement credits.
-
5. Additional Benefits
Numerous credit card companies offer extra rewards and perks through select portals. Shopping at these sites can lead to additional savings. For instance, certain cards provide a special discount on BookMyShow when you reach a specified spending limit each month.
-
6. Cost Efficient
Make sure the shopping credit card you take is cost-efficient for your needs and not another financial burden. Make sure to consider all the additional costs attached to the credit card to avoid yearly fees for savings.
-
7. Global Acceptance
Another factor to consider when searching for a shopping credit card is whether it is globally accepted or not. Globally accepted cards are great for making purchases on international sites, reducing the issues of currency or merchant compatibility.
-
8. Purchase Protection
Look for shopping credit cards with purchase protection to save yourself from theft and other potential damages. Also, make sure the card has price protection, which allows you to reimburse the difference after the price drops on a purchase you just made.
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
Step 1: Select Purchase Items
The first step is to add the items you desire to purchase to your virtual cart and proceed to the checkout page.
-
B
Step 3: Choose Payment Method
Once you have entered all the necessary information, you are moved forward to select the payment method and enter the payment details. You will have payment options such as UPI, COD, Netbanking, and Credit/Debit Card. Select the card option and enter your card details. If the credit card is not compatible with purchasing on the site, you will get a dialogue box that says “invalid” or “does not support”. Make sure your shopping credit card is compatible with purchasing on the desired website.
-
C
Third-Party Payments
Several third-party platforms, such as PayPal and Citrus, enable you to set up an account and link your credit card. You only need to input your credit card details once. Then, whenever you shop online, you can choose the ‘Pay with PayPal’ option and log in with your username and password to complete your transaction effortlessly.
FAQs
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!
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Written and Reviewed by:
Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.
Priyanka Sharma is the Head of Credit Cards (Sr. Director Business & Product - Credit Cards) at Jupiter Money, where she leads the growth and development of the company’s credit card portfolio. She is responsible for driving strategic initiatives and enhancing customer experiences through innovative credit products. Priyanka’s leadership is shaping Jupiter’s approach to simplifying personal finance for its customers.
Prior to her role at Jupiter Money, Priyanka was an Engagement Manager at McKinsey & Company, where she provided strategic advice to clients across various sectors. Her expertise in business strategy, growth, and operations was built on her strong analytical skills and client-focused problem-solving abilities. Earlier in her career, she worked at ZS, a global business consulting firm, where she contributed to various projects, gaining significant experience in data-driven business decisions.
Priyanka holds a Post Graduate Programme in Management with a focus on Finance, Strategy, and Leadership from the Indian School of Business (ISB), where she graduated with distinction, earning a place on the ISB Dean’s List. This prestigious academic achievement underscores her deep understanding of financial strategy and leadership, which she continues to leverage in her fintech leadership role.
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