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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
- 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.
CheckEligibility on IndiaLends
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%
CheckEligibility on IndiaLends
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
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
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
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
- 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).
Related Reads on IndiaLends
- How Credit Card billing cycle works
- can-credit-cards-be-linked-to-upi
- 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
|
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.