Best Online Spending Credit Cards of 2018
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Indialends, 24 Mar 2026

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Best Online Spending Credit Cards of 2018

Feb 23, 2018

What if all the spending you do online could help you get cashbacks and manifold reward points?! Wouldn’t that be just awesome?! Well, with these credit cards, that is very much possible!

Some of the best credit card providers these days have started taking into account the digital economy. They provide cards designed especially for those who spend online. Imagine this: For all the spending you do at Ola or Amazon, you can get yourself a free ride every once in a while, or get free movie tickets. Yep, this can easily happen. All you have to do is apply for the best credit card for online spends.

Here are some top credit cards for rewards on online spends:

SBI SimplyClick Credit Card

This is the best rewards credit card for a generations that spends most of its time shopping online. The card is designed such that you can earn the most rewards for your online spending, and gain other benefits in the process. What’s more? With annual fee reversal on Milestone spends, you can make the card as good as free!

Top Benefit: 10X Reward points for spends at Amazon, BookMyShow, ClearTrip, Ola, Lenskart and ZoomCar.

Other Benefits:

  • Upto 5X reward points on all other spends.
  • Welcome gift worth ₹500.
  • ₹2000 vouchers on Milestone spends of ₹1 lakh and ₹2 lakh each.
  • Annual fee reversal on spends of ₹1 lac/year.
  • 1% Fuel Surcharge Waiver

Joining Fee: ₹499 + taxes 

Annual Fee: ₹499 + taxes second year onwards

Axis Buzz Credit Card

This is one of the best credit cards for rewards on online spends, owing to the accelerated rewards program. The card also has an exclusive partnership with Flipkart which allows you to earn more discounts on purchases on Flipkart.

Top Benefit: 3X Axis eDGE reward points when you spend online (except travel spends).

Other Benefits:

  • 2 Axis eDGE Reward Points on every ₹200 spent
  • 5% flat off at Flipkart.
  • 15% off on Dining with select partners across India.
  • Flipkart Gift Voucher worth ₹1000 on making 3 purchases within first 45 days.
  • Gift vouchers worth upto ₹2000 on Milestone spends on ₹2 lac.

Joining Fee: ₹750 + taxes 

Annual Fee: ₹750 + taxes second year onwards

HDFC MoneyBack Credit Card

With a card like HDFC MoneyBack, there is no reason left to compare credit cards anymore. This is one of the best cashback credit cards in India. The card enables you to earn massive reward points, and convert the spends into cashback for your statement.

Top Benefit: 2X reward points on all online spends.

Other Benefits:

  • 2 Reward points on every ₹150 spent.
  • Exclusive discounts and offers on various platforms.
  • 1% Fuel Surcharge Waiver
  • Redeem reward points as cash back to your statement next month.
  • First year fee reversal if  ₹10,000 is billed to the card in the first 90 days of card set-up.
  • The renewal fee is reversed if  ₹50,000 is billed to the card before the renewal date.

Joining Fee: ₹500 + taxes 

Annual Fee: ₹500 + taxes second year onwards

With the help of a well suited credit card, you can not only save thousands of rupees, but also enjoy many other benefits. However, it is important to remember that a credit card is a responsibility and that you must ensure that you can actually pay all your dues every month.

Excited to get yourself a rewarding credit card? You can apply online for the best credit cards today!

Know more about how credit cards actually help you save money.

 

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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