Indialends, 23 Sep 2025

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Best Credit Cards for Online Shopping in India 2025

What’s Inside This Blog?

1. Flipkart Axis Bank Credit Card 2. Amazon Pay ICICI Credit Card 3. HDFC Millennia Credit Card 4. Axis Bank ACE Credit Card 5. SBI SimplyCLICK Credit Card 6. IDFC FIRST Wealth Credit Card 7. HDFC Swiggy Credit Card Comparison Table – Best Online Shopping Cards (2025) How to Pick the Right Card

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.

• 5% unlimited cashback on Flipkart and Myntra

• 4% cashback on Swiggy, Uber, PVR

• 1.5% cashback on all other online and offline spends

• Welcome bonus: ₹500 Flipkart voucher on activation

• No capping on cashback

• Fuel surcharge waiver up to ₹500/month

• Annual fee: ₹500 (waived on ₹2 lakh annual spend)

✅ 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.

• 5% cashback for Amazon Prime members

• 3% cashback for non-Prime Amazon users

• 2% cashback on partner brands (Swiggy, BookMyShow, etc.)

• 1% cashback on all other spends

• No joining or annual fee ever

• Auto-credit cashback into your Amazon Pay wallet

• Contactless payment enabled

✅ 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.

• 5% cashback on top online brands

• 1% cashback on all other online transactions

• Dining discounts and fuel surcharge waiver

• EMI facility available on large purchases

• Welcome bonus: ₹1,000 worth of vouchers

• Annual fee: ₹1,000 (waived on ₹1L spend/year)

✅ 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.

• 5% cashback on Google Pay payments for bills & recharges

• 4% cashback on Swiggy, Zomato, Ola

• 2% cashback on all other spends (online or offline)

• No cashback capping

• Fuel surcharge waiver up to ₹500/month

• Annual fee: ₹499 (waived on ₹2L spend/year)

✅ 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.

• 10X reward points on partner online merchants

• 5X reward points on other online spends

• Welcome gift: ₹500 Amazon voucher

• Annual fee: ₹499 (waived on ₹1L annual spend)

• Fuel surcharge waiver up to ₹100/month

✅ 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.

• 10X reward points on online transactions on weekends

• No expiry on reward points

• No joining or annual fee

• Complimentary lounge access, golf lessons, and more

• Low interest rate starting at 0.75% per month

• No over-limit or late fee penalty

✅ 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.

• 10% cashback on Swiggy (food, Instamart, Dineout)

• 5% cashback on Amazon, Flipkart, Myntra, Nykaa

• 1% cashback on other spends

• Annual fee: ₹500

• Fuel surcharge waiver, contactless payments

✅ 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)

How to Pick the Right Card

• Amazon loyalist? → Amazon Pay ICICI

• Flipkart regular? → Flipkart Axis Bank

• Food and groceries? → HDFC Swiggy or Millennia

• Utility bills via Google Pay? → Axis ACE

• Want premium perks? → IDFC FIRST Wealth

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.