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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
|
Metric |
What It Means |
|
Cashback Rate |
Percentage of instant cashback on online purchases |
|
Reward Rate |
Points earned per ₹100 spent |
|
Partner Benefits |
Brand-specific deals (Amazon, Flipkart, etc.) |
|
Annual Fee vs Savings |
Value delivered compared to card cost |
|
Welcome Benefits |
First-time offers such as vouchers or points |
Top Credit Cards for Online Shopping in India (June 2025)
1. Amazon Pay ICICI Credit Card – Best for Amazon Shoppers
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
Effective Cashback: Up to 5%
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3. HDFC Millennia Credit Card – Best for Mixed Online
Spending
Maximum Cashback Potential: ₹12,000 per year
4. SBI SimplyCLICK Credit Card – Best for Beginners
5. ICICI MakeMyTrip Signature Credit Card – Best for Travel and Online Shopping Combo
Overall Value: Ideal for travelers who also shop
online
Quick Comparison Table
|
Credit Card |
Cashback Rate |
Annual Fee |
Best Suited For |
|
Amazon Pay ICICI |
Up to 5% |
₹0 |
Amazon loyalists |
|
Flipkart Axis |
5% |
₹500 |
Flipkart and food delivery users |
|
HDFC Millennia |
5% |
₹1,000 |
Multi-platform online shoppers |
|
SBI SimplyCLICK |
2.5% |
₹499 |
First-time credit card users |
|
MMT ICICI |
Up to 4% |
₹2,500 |
Frequent travelers and shoppers |
Pro Tips to Maximize Credit Card Benefits
Related Reads on IndiaLends
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
|
Shopping Style |
Recommended Card |
|
Amazon Exclusive |
Amazon Pay ICICI Credit Card |
|
Flipkart and Lifestyle |
Flipkart Axis Bank Credit Card |
|
All-Round Online Usage |
HDFC Millennia Credit Card |
|
Beginners or Low Spend |
SBI SimplyCLICK |
|
Travel Plus Online Combo |
ICICI MMT Signature Credit Card |
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.
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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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