In the age of digital convenience, online shopping has become a primary mode of purchasing everything from gadgets to groceries. As online marketplaces continue to dominate, more and more people are turning to credit cards to make their purchases.
Whether you're a frequent Amazon shopper or someone who enjoys discounts across various online platforms, having the right credit card can unlock a world of benefits, including rewards, cashback, and exclusive offers.
With so many options available, finding the best credit cards for online shopping in India can be overwhelming. In this article, we’ll walk you through the top 10 credit cards for online shopping rewards and cashback in India in 2025. Let’s dive in!
1. Amazon Pay ICICI Credit Card
Best for: Frequent Amazon Shoppers
If you’re an Amazon loyalist, this credit card is tailored for you. The Amazon Pay ICICI Credit Card offers exclusive benefits on Amazon purchases, with a high rate of cashback in the form of Amazon Pay balance. You earn up to 5% cashback on Amazon purchases for Prime members, and up to 3% for non-Prime members.
This card also offers cashback on various categories like bill payments, groceries, and more. With no annual fee and the added bonus of easy redemption through Amazon Pay, this card is a perfect companion for frequent Amazon shoppers in India.
2. Cashback SBI Card
Best for: Flat-rate Cashback Enthusiasts
The Cashback SBI Card is a great choice for those who want simplicity and flexibility in earning rewards. Offering a flat-rate cashback on all online purchases, this card provides 1% cashback on all spends, making it ideal for regular online shopping enthusiasts who prefer a straightforward, no-fuss rewards program.
Furthermore, it comes with additional benefits like a low annual fee and access to exclusive discounts on various online shopping platforms.
3. HDFC Millennia Credit Card
Best for: E-commerce and Shopping Rewards
The HDFC Millennia Credit Card offers competitive rewards on all online purchases. With this card, you earn 5x reward points on all online spends, which includes shopping on e-commerce websites, bill payments, and subscription services.
These points can be redeemed for a variety of options, including shopping vouchers, cashback, or even travel rewards. It's a perfect card for those who frequently shop online across various categories.
- 5x reward points on online shopping
- 2x reward points on dining, movies, and other categories
- Annual fee waiver on achieving a spending threshold
- Flexible redemption options
4. Axis Bank ACE Credit Card
Best for: Online Transactions & Utility Bills
Axis Bank ACE Credit Card offers excellent rewards for online shopping as well as utility bill payments. It provides 5% cashback on Amazon, Flipkart, and other e-commerce platforms. Additionally, cardholders can earn 4% cashback on utility payments such as electricity, gas, and mobile bills.
With no annual fee for the first year and a reasonable fee thereafter, this card is an ideal choice for people who prefer earning rewards for both shopping and bill payments.
5. HDFC MoneyBack+ Credit Card
Best for: Cashback & Reward Points on Purchases
The HDFC MoneyBack+ Credit Card is another great option for online shoppers in India. This card offers cashback and reward points on various purchases, with an emphasis on online shopping. You can earn 2 reward points for every ₹150 spent on online transactions and 1% cashback on your online purchases.
Additionally, the card offers exclusive shopping deals and discounts, making it an excellent choice for frequent online buyers.
6. SBI SimplySave Credit Card
Best for: Bonus Points on Online Shopping
The SBI SimplySave Credit Card is a go-to card for those who frequently shop online. This card offers 10x reward points on online shopping, which makes it a valuable option for those who prefer maximizing their rewards.
With a low annual fee and the ability to redeem points for a wide range of options like cashback, gift vouchers, and more, this card is perfect for anyone who wants to earn a significant number of rewards with each purchase.
7. HSBC Visa Platinum Credit Card
Best for: Versatile Online Spending Categories
The HSBC Visa Platinum Credit Card is designed for those who shop across multiple online categories, including fashion, electronics, and even entertainment. You can earn 2 reward points per ₹150 spent on all online purchases, and enjoy exclusive discounts on major e-commerce platforms.
The card also offers a comprehensive range of privileges like dining benefits and airport lounge access, making it a great all-rounder for online shoppers.
8. ICICI Bank Coral Credit Card
Best for: E-commerce & Lifestyle Rewards
The ICICI Bank Coral Credit Card offers great rewards for online shopping, particularly in the e-commerce and lifestyle categories. You can earn 2 reward points for every ₹100 spent on online purchases.
Additionally, this card offers benefits such as access to airport lounges, discounts on movie tickets, and even complimentary concierge services, making it ideal for those who want to combine their love for shopping with premium perks.
9. RBL Bank Shopping Credit Card
Best for: Comprehensive Shopping Benefits
The RBL Bank Shopping Credit Card is a highly recommended option for those who want a comprehensive range of benefits across different online shopping categories.
This card provides up to 20% off on e-commerce platforms and also offers reward points for every online transaction. It’s a great card for people who enjoy discovering new deals and want additional perks like cashback on grocery shopping, travel, and dining.
10. Standard Chartered Platinum Rewards Credit Card
Best for: Reward Points & Discounts on Online Purchases
Standard Chartered's Platinum Rewards Credit Card offers an attractive reward points program with 5x points on online shopping. Along with a host of benefits, including discounts on travel, shopping, and dining, this card is well-suited for those who want to maximize rewards for their online purchases.
The points earned can be redeemed for a variety of benefits, including cashback, vouchers, and air miles.
Choosing the right credit card for online shopping depends on your preferences, spending habits, and the types of purchases you make most frequently. Whether you’re looking for cashback, reward points, or exclusive discounts, there is a card for everyone. Consider your shopping patterns and look for a card that offers the best benefits for you.
By making the most of these best credit cards for online shopping in India, you can unlock numerous rewards, savings, and perks, enhancing your online shopping experience. Happy shopping!