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Which Credit Card Is Best for Online Shopping

Online shopping in India has experienced tremendous growth, with a Gross Merchandise Value (GMV) of over ₹ 8.5 lakh crore recorded in 2024. Whether it’s Amazon, Flipkart, Myntra, or Swiggy—digital purchases are now a regular part of life.

But to make the most of your online spending, choosing the right credit card can help you save money through cashback, reward points, vouchers, and exclusive platform benefits.

This guide highlights the best credit cards for online shopping in 2025, using a data-first approach. We’ve compared cards based on key metrics to help you find the ideal fit for your needs.

Key Factors to Consider When Choosing a Credit Card for Online Shopping

Top Credit Cards for Online Shopping in India (June 2025)

1. Amazon Pay ICICI Credit Card – Best for Amazon Shoppers

• Annual Fee: ₹0 (Lifetime Free)
• Cashback for Prime Members: 5%
• Cashback for non-prime: 3%
• Other Transactions: 1%
• Reward Credit: Directly to Amazon Pay Balance
• Effective Reward Rate: Up to 5%

Why Choose It: If you’re a frequent Amazon user, this card offers consistent cashback with no annual fee.

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2. Flipkart Axis Bank Credit Card – Best for Flipkart and Lifestyle Shopping

• Annual Fee: ₹500 + GST
• Welcome Benefit: ₹500 Flipkart Voucher
• Flipkart and Myntra Cashback: 5%
• Swiggy and Uber Cashback: 4%
• All Other Spends: 1.5% cashback
• Lounge Access: 4 Domestic lounges per year

Effective Cashback: Up to 5%

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3. HDFC Millennia Credit Card – Best for Mixed Online Spending

• Annual Fee: ₹1,000 (waived on annual spend of ₹1 lakh)
• Cashback on Amazon, Flipkart, Zomato: 5%
• Other Online Spends: 2.5% cashback
• Offline Spends: 1% cashback
• Monthly Cashback Cap: ₹1,000

Maximum Cashback Potential: ₹12,000 per year

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4. SBI SimplyCLICK Credit Card – Best for Beginners

• Annual Fee: ₹499 (waived on ₹1 lakh annual spend)
• Cashback via 10X Rewards on partners like Amazon, BookMyShow, Lenskart
• 1 Reward Point = ₹0.25
• Welcome Gift: ₹500 Amazon Gift Card
• Effective Reward Rate: 2.5% on select platforms

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5. ICICI MakeMyTrip Signature Credit Card – Best for Travel and Online Shopping Combo

• Annual Fee: ₹2,500 (waived on ₹2.5 lakh annual spend)
• Earn 2 MyCash on every ₹100 spent online
• Welcome Gift: ₹1,500 MyCash
• Airport Lounge Access: 3 per year
• Annual Milestone Benefits: ₹5,100 MyCash

Overall Value: Ideal for travelers who also shop online

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Quick Comparison Table

Pro Tips to Maximize Credit Card Benefits

• Combine Offers: Use card-specific offers along with platform discounts and promo codes.
• Watch for Caps: Cashback and reward points often have monthly or annual limits.
• Avoid Late Fees: Always pay on time to prevent high interest and charges.
• Check Reward Validity: Ensure you use your points before they expire (usually within 1-3 years).

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• what-credit-card-is-best-for-me-in-2025

Frequently Asked Questions

Which credit card gives the highest cashback on Amazon?
The Amazon Pay ICICI Credit Card offers 5% cashback for Prime members.

Is the Flipkart Axis Credit Card better than Amazon Pay ICICI?
It depends on where you shop more. Flipkart Axis is better for Flipkart, Myntra, and Swiggy users, while Amazon Pay is best for Amazon shoppers.

What is a good reward rate for credit cards?
Anything above 2.5% effective cashback or rewards is considered excellent.

Which credit card is best for beginners?
SBI SimplyCLICK is great for new users with low annual fees and strong rewards on select platforms.

Final Verdict

Use IndiaLends’ free creditcard comparison tool to find the best match based on your lifestyle and spending habits.

Still unsure? You can check youreligibility instantly and apply within minutes.