Online shopping has become a preferred way to purchase everything from electronics and clothing to daily essentials in India. As digital transactions continue to rise, choosing the right credit card for online purchases is increasingly important for managing expenses and maximizing value.
The best credit cards for online shopping in 2025 offer benefits such as cashback on e-commerce platforms, reward points, instant discounts, and seamless UPI or contactless payments. Whether you regularly shop on Amazon, Flipkart, or other leading apps, the right card can help you save more on every transaction.
With a wide range of options available, it can be difficult to determine which card aligns with your spending habits. This article compares the top 10 credit cards in India for online shopping, based on factors like cashback rates, fees, and usability across platforms.
Let’s take a closer look at the leading options for 2025.
3. Amazon Pay ICICI Credit Card Review 2025
If you're looking for a lifetime-free credit card with solid rewards on Amazon and everyday purchases, the Amazon Pay ICICI Credit Card is one of the best options in India in 2025. It offers up to 5% cashback and automatically credits it to your Amazon Pay balance.
Quick Overview of Amazon Pay ICICI Credit Card
| Feature |
Details |
| Cashback on Amazon.in |
5% for Prime users, 3% for non-Prime users |
| Amazon Pay Partner Brands |
2% cashback on 100+ Amazon Pay partner merchants |
| Other Spends |
1% cashback on all other spends |
| Annual Fee |
₹0 Lifetime Free |
| Reward Type |
Cashback credited as Amazon Pay Balance |
| Card Network |
Visa (international acceptance) |
| Fuel Surcharge Waiver |
1% waiver on fuel spends between ₹400-₹4,000 |
Why Choose the Amazon Pay ICICI Credit Card in 2025?
- 5% Cashback for Prime Members
Get 5% cashback on all Amazon.in purchases if you are a Prime member, and 3% if you're not. Ideal for frequent Amazon shoppers.
- 2% Cashback on Amazon Pay Partner Brands
Earn 2% cashback when paying on 100+ Amazon Pay partners like Swiggy, BookMyShow, RedBus, UrbanClap, and more.
- 1% Cashback on All Other Spends
Enjoy 1% cashback on offline and online transactions, with no complex reward points or redemption steps.
- Zero Annual Fees or Lifetime Free
This card is completely free for life with no joining or renewal charges, making it perfect for first-time users or minimal spenders.
2. SBI Cashback Credit Card Review 2025
If you're searching for the best cashback credit card in India for online shopping, the SBI Cashback Credit Card is a top contender in 2025. With flat 5% cashback on all online spends and simplified rewards, it has gained immense popularity among savvy digital shoppers.
Quick Overview of SBI Cashback Credit Card
| Feature |
Details |
| Cashback on Online Spends |
5% cashback (capped at ₹5,000 per statement cycle) |
| Offline Spends Cashback |
1% cashback |
| Annual Fee |
₹999 (waived on ₹2 lakh annual spend) |
| Fuel Surcharge Waiver |
1% waiver on transactions ₹500–₹3,000 |
| Interest-Free Period |
Up to 50 days |
| Network |
RuPay (contactless support + UPI enabled) |
| Reward Redemption |
Auto-credit as cashback (no conversions required) |
Why Choose the SBI Cashback Credit Card in 2025?
- Flat 5% Cashback on Online Spends
Unlike other credit cards that offer platform-specific rewards (Amazon, Flipkart, etc.), this card gives you a flat 5% cashback across all online merchants, including:Amazon, Flipkart, Myntra, BigBasket, Nykaa, Zomato / Swiggy, Tata Neu and more
- Auto Credit of Cashback
Your earned cashback is automatically adjusted against your next statement. No need to redeem or convert into vouchers.
- Simple and Transparent Reward Structure
What you see is what you get no reward points system, no exclusions on online brands (except wallet reloads and rent payments), and zero merchant partnerships required.
- RuPay Card Benefits
Works on UPI-enabled apps like Google Pay, PhonePe, BHIM. RuPay Card Offers the convenience of contactless and mobile payments It Increasingly accepted for EMI-based purchases on major e-commerce platforms
4. HDFC Millennia Credit Card Review 2025
The HDFC Millennia Credit Card is tailored for the new-age digital shopper who frequently uses top online platforms. With 5% cashback on Amazon, Flipkart, Swiggy, Zomato, and more, it’s a solid mid-range card in 2025, offering strong value for those who spend both online and offline.
Quick Overview of HDFC Millennia Credit Card
| Feature |
Details |
| Online Cashback |
5% cashback on Amazon, Flipkart, Swiggy, Zomato, etc. via PayZapp/SmartBuy |
| Wallet & Other Spends |
1% cashback |
| Annual Fee |
₹1,000 (waived on ₹1L annual spend) |
| Reward Type |
Cashback (credited as statement credit) |
| Fuel Surcharge Waiver |
1% waiver on transactions ₹400–₹5,000 |
| Card Network |
Visa or Mastercard (international acceptance) |
| Cashback Cap |
₹1,000/month (online) + ₹500/month (offline) |
Why Choose the HDFC Millennia Credit Card in 2025?
- 5% Cashback on Popular Platforms
Earn 5% cashback when transacting through PayZapp or SmartBuy on apps like Amazon, Flipkart, Swiggy, Zomato, Tata CLiQ, and BigBasket.
- 1% Cashback on All Other Spends
Whether it's dining, fuel, or local shopping, earn 1% cashback with no brand restriction.
- Easy Redemption & Monthly Limits
Cashback is directly credited to your statement, making it easy to track. Note the monthly cashback cap of ₹1,500 (₹1,000 online + ₹500 offline).
- Annual Fee Waiver
Spend just ₹1,00,000 in a year to get the annual fee waived for the next year ideal for moderate to heavy users.
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!