Best Credit Cards for Online Shopping in India 2025

Blogs > Best Credit Cards for Online Shopping in India 2025

Best Credit Cards for Online Shopping in India 2025


Online shopping is a big part of our lives now. From groceries to gadgets, we rely on platforms like Amazon, Flipkart, Myntra, Swiggy, and more. But if you’re not using a credit card designed for online shopping, you're missing out on cashback, reward points, and exclusive discounts.

Here’s a list of the top-performing credit cards in India for online shopping in 2025, complete with benefits, fees, ideal usage, and application links.


1. Flipkart Axis Bank Credit Card


Best for: Flipkart, Myntra, Swiggy, Uber

The Flipkart Axis Bank Credit Card is one of the best cashback cards in the market for frequent shoppers on Flipkart and its partner platforms. It's especially ideal for young professionals and students.

Apply here: Axis Flipkart Credit Card

Pro Tip: Use this card for lifestyle spending and regular online shopping—no need to wait for sales.


2. Amazon Pay ICICI Credit Card


Best for: Amazon shoppers (Prime or non-Prime)

A lifetime-free card that's tailor-made for Amazon users. It automatically links with your Amazon account and offers instant cashback as an Amazon Pay balance, making it seamless and rewarding.

Apply here: Amazon Pay ICICI Credit Card

Pro Tip: Best suited for people who shop heavily on Amazon and want a maintenance-free card.


3. HDFC Millennia Credit Card


Best for: Versatile shoppers who use multiple apps

The HDFC Millennia is a versatile cashback card that rewards you across a wide range of online platforms like Amazon, Flipkart, Zomato, Swiggy, BigBasket, and Uber.

Apply here: HDFC Millennia Card

Pro Tip: Ideal for salaried professionals who spread spending across many platforms.


4. Axis Bank ACE Credit Card


Best for: High cashback on bills and digital payments

If you use Google Pay to pay bills, this card is a goldmine. It offers a rare 5% cashback on utility bill payments and mobile recharges through Google Pay.

Apply here: Axis ACE Credit Card

Pro Tip: One of the best flat cashback cards for essential expenses like electricity and internet bills.


5. SBI SimplyCLICK Credit Card


Best for: E-commerce rewards across categories

A great choice for those who shop across various partner websites. It offers accelerated reward points on brands like Amazon, BookMyShow, Cleartrip, Netmeds, and Lenskart.

Apply here: SBI SimplyCLICK Card

Pro Tip: If you don’t want to track cashback, go with rewards that you can redeem for travel or shopping vouchers.


6. IDFC FIRST Wealth Credit Card


Best for: High-income professionals and premium online users

The Wealth variant of IDFC’s card range is a lifetime-free metal card packed with premium features and unmatched reward flexibility.

Apply here: IDFC FIRST Wealth Card

Pro Tip: Excellent for premium users who want flexibility, travel perks, and strong rewards.


7. HDFC Swiggy Credit Card


Best for: Foodies and Swiggy loyalists

If Swiggy Instamart and food delivery are part of your monthly routine, this card is tailored for you. It’s a co-branded card with exclusive dining and grocery rewards.

Apply here: HDFC Swiggy Credit Card

Pro Tip: Use this for groceries and dining to maximize monthly savings.

Comparison Table – Best Online Shopping Cards (2025)


Card Name                      Best For                                      Cashback/Rewards                                 Annual Fee                           
Flipkart Axis BankFlipkart, MyntraUp to 5% cashback₹500
Amazon Pay ICICIAmazon & PartnersUp to 5% cashback₹0
HDFC MillenniaMultiple platformsUp to 5% cashback₹1,000
Axis ACEBills & food appsUp to 5% cashback₹499
SBI SimplyCLICKMixed e-commerce10X reward points₹499
IDFC FIRST WealthPremium lifestyle + onlineUp to 10X rewards₹0
HDFC SwiggySwiggy + fashion sites10% on Swiggy, 5% on others₹500

How to Pick the Right Card


Conclusion

With the right credit card, every online purchase becomes an opportunity to earn cashback, collect reward points, or enjoy extra discounts. Whether you're a student, working professional, or premium shopper—there's a perfect card waiting for you.

👉 Need personalized help choosing the best credit card for your lifestyle? Contact us or use our free credit card comparison tool.