6 Best RuPay Credit Card for Online Shopping in India 2025

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With growing online spending, the demand for online shopping credit cards is also increasing. Banks have tied up with shopping websites and platforms to offer generous rewards to their users. Users have started collecting and utilizing credit cards for various benefits they derive from the collaboration these banks and services have with online businesses. From cashbacks to discounts, these offers make the purchases quite incentivized for smart credit card users.

What are Reward Points in Credit Card?

Whenever you get a credit card or do a transaction through a credit card, Credit Card providers reward you with points. These points can be redeemed to buy products or services. These points are given so that you keep doing transactions, which helps them (card provider) to earn revenue from successful transactions. There will be different ways to earn reward points and not all transactions yield reward points. Besides, points will be different for various kind of purchases and successful transactions. Some of the common ways to earn reward points are —

Sign-up: Most credit card providers give sign-up rewards as a joining benefit to you
Renewal: When you pay renewal fee for the credit card in subsequent years, you may be rewarded with points
Regular rewards: For various kind of transactions, you will get rewarded certain points for the purchases you make
Accelerated rewards/ Booster Rewards: You can earn extra rewards for online, grocery or travel based transactions whenever the card providers mention about special reward point structure for certain brands / type of transactions
Milestones: Certain card providers will add reward points to your account when you accomplish the milestones that they might have set for the transactions, which you have to perform in a given period

Let’s move ahead and read more about the best RuPay Credit Card for Online Shopping.

6 Best RuPay Credit Card for Online Shopping in India 2025

Credit Card	Joining Fees	Lifetime Free	Annual Fee Waiver Amount	Welcome Benefits	Cashback Features	Rewards	Other Features
Edge CSB Bank Rupay Credit Card	Nil	Only for the first 2 lakh users	Yes	Rs 250 voucher from partner brands	5% cashback on UPI spends Additional cashback after the milestone of Rs 30,000	Flat 1% cashback on non-UPI spends	Interest-free credit on UP payment
Tata Neu Infinity HDFC Bank Credit Card	Rs 1,499	No	Yes, provided annual spends exceed Rs 3 lakhs	1,499 NeuCoins.	NA	5% NeuCoins at partner Tata online and in-store purchases 5% NeuCoins on bill payments & recharges through Tata Neu. 1.5% on NeuCoins on other spends.	Complimentary lounge access at domestic and international airports 1% fuel surcharge waiver
Kotak Metro Cash & Carry	No	Yes	NA	Rs 500 cashback on spends above Rs 10,000 in the first month	0.25% to 1% cashback based on the monthly minimum spends	Save up to 1% on metro spends	Credit free interest period of 48 days
Snapdeal RuPay Credit Card	Rs 249	No	No	Snapdeal vouchers worth Rs 500 on spends done within 30 days	5% unlimited cashback on Snapdeal	10 reward points on Rs 100 spent on online shopping for grocery	1% fuel surcharge waiver Accumulated reward points will be auto-credited as cashback
Tata Neu Plus HDFC Bank Credit Card	Rs 499	No	Yes, provided annual spends exceed Rs 1 lakhs	499 NeuCoins.	NA	2% NeuCoins at partner Tata online and in-store purchases 2% NeuCoins on bill payments & recharges through Tata Neu. 1% on NeuCoins on other spends.	Complimentary lounge access at domestic airports 1% fuel surcharge wavier
Union Bank Select RuPay Credit Card	Nil	No	Yes, provided annual spends exceeding Rs 50,000	NA	NA	4 reward points for every Rs. 100 spent 1% reimbursement on fuel purchases	Complimentary access to domestic and international lounges. Free personal accident coverage Lost card insurance coverage

Updated 25th December 2023

Want to get a Credit Card which offers 2% cashback on UPI spends?

?? Apply for Edge CSB Bank Rupay Credit Card

1. Edge CSB Bank Rupay Credit Card

The Edge CSB Bank Rupay Credit Card is issued by the CSB Bank and is exclusively available on the Jupiter Money App. This card combines the power of credit with the ease of UPI. The following are the benefits of this RuPay Credit Card.

The card is a lifetime free card for the first 2 lakh users. This means there is no annual fee on the card.
There is no joining fee for users.
5% cashback on UPI spends on Jupiter.
Earn flat 1% on non-UPI spends.
Earn additional cashback on incremental spending after the Rs 30,000 milestone.
Get a welcome voucher worth Rs 250 from partner brands.
Interest-free credit on UPI payments.

?? Apply for the Edge CSB Bank Rupay Credit Card

2. Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Credit Card is a shopping/rewards card and offers the following benefits.

10% NeuCoins on Tata neu
5% NeuCoins at partner Tata online and in-store purchases, including BigBasket, Croma, Tata 1 mg, Air Asia, Tata CliQ, Taj Hotels, Cult, Titan and Tanishq.
5% NeuCoins on bill payments and recharges through Tata Neu.
1.5% on NeuCoins on other spends.
Redeem NeuCoins for purchases at partner brands.
Eight complimentary lounge access (2 per quarter) at domestic airports and one international lounge access per year.
1% fuel surcharge waiver.
Welcome the benefit of 1,499 NeuCoins.
Renewal fee waiver on annual spending above Rs 3 lakhs in the previous year

3. Kotak Metro Cash & Carry

Kotak Metro Cash & Carry card is designed for bulk retail shoppers and offers the following benefits.

Earn cashback up to Rs 10,000 per month, subject to the user’s monthly Metro spends.
No joining or yearly fees.
Attractive interest-free credit facility in the B2B segment (for Metro’s business customers) for up to 48 days.
The credit limit range starts from Rs 25,000 onwards based on the customer’s purchase pattern with Metro.
Flexible repayment options through cash or online transfer

4. Snapdeal RuPay Credit Card

Snapdeal RuPay Credit Card was launched in collaboration with Bank of Baroda, and it offers the following benefits.

The joining and annual fee is Rs 249 plus GST.
5% unlimited cashback for purchases made on Snapdeal.
Snapdeal vouchers worth Rs 500 on card usage within 30 days of card issuance.
Ten reward points for every Rs 100 spent on online shopping at grocery and departmental stores.
1% fuel surcharge waiver on all fuel transactions between Rs 400 and Rs 5,000.
All accumulated reward points will be auto-credited as cashback to the monthly statement.

5. Tata Neu Plus HDFC Bank Credit Card

Tata Neu Plus HDFC Credit Card is a shopping/rewards card and offers the following benefits.

7% NeuCoins on shopping done on Tata Neu
2% NeuCoins at partner Tata online and in-store purchases, including BigBasket, Croma, Tata 1 mg, Air Asia, Tata CliQ, Taj Hotels, Cult, Titan and Tanishq.
2% NeuCoins on bill payments and recharges through Tata Neu.
1% on NeuCoins on other spends.
Redeem NeuCoins for purchases at partner brands.
Four complimentary lounge access (1 per quarter) at domestic airports per year.
1% fuel surcharge waiver.
Welcome benefit of Rs 499 NeuCoins.
Renewal fee waiver on annual spending above Rs 1 lakh in the previous year

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6. Union Bank Select RuPay Credit Card

The Union Bank Select RuPay Credit Card has the following benefits.

No joining fees.
You can link the RuPay card to UPI to make payments.
Complimentary access to domestic and international lounges.
Free personal accident insurance coverage up to Rs 10 lakhs.
Lost card insurance coverage up to Rs 1.5 lakhs.
1% reimbursement on fuel purchases up to a maximum of Rs 100 per month per card.
Earn four reward points for every Rs 100 spent.
Exclusive offers on partner merchants.
Annual maintenance fee waiver on credit card spends above Rs 50,000 in a year.