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7 Best Credit Cards for Online Shopping in India

Are you passionately devoted to shopping? Can you not help but visit malls, stores, and even supermarkets too frequently?

Whenever you venture online for your products, does your pupil dilate and the heart pumps up with joy seeing some additional discounts?

If your answer is an easy YES to all of these questions, then today’s article is tailored specifically for you. India is gearing up to be digitally advanced; henceforth, the demand for online shopping discounts and offers is more than ever. Incidentally, due to the pandemic hit, online shopping is becoming a new constant now.

In this scenario, you may wonder what the best shopping credit cards for availing online shopping deals, cashback discounts, and rewards every time you shop are. We have got you covered with a curated list of the 7 best credit cards for online shopping in India.

7 Best Credit Card for Online Shopping

Credit Card for Online ShoppingIdeal forAnnual Fee
ICICI Amazon Pay Credit CardLifetime FreeNil
Standard Chartered DigiSmart CardAttractive Discounts across BrandsINR 49 per month
Axis Bank Neo Credit CardDiscount BenefitsINR 250
American Express SmartEarn™ Credit CardRewardsINR 495
SBI SimplyCLICK Credit CardOnline Shopping RewardsINR 499
HDFC MoneyBack Credit CardLow Annual FeeINR 500
HSBC Cashback Credit CardCashback Perks on Online SpendsINR 750

1. ICICI Amazon Pay Credit Card-

This is the best option if you frequently shop with Amazon. Some of the remarkable features of this card include:

  • Unlimited reward points where one reward point equals INR 1
  • 2% reward points on utility bill payments, flight and bus tickets, movies, recharge, and others that are done through Amazon
  • 1% reward points on all other spend minus fuel and gold spend
  • 2% reward points with Amazon Pay while making payments for over 100 Amazon partners
  • As an Amazon Prime member, get 5% cashback on your Amazon Pay balance after the statement is generated

2. Standard Chartered Digismart Card-

This is the best credit card for online shopping as it provides instant discounts on a handful of online purchases. The best credit card for online shopping perks include:

  • 20% discount on shopping at Myntra with a maximum cap of INR 700, once per month
  • 20% off on domestic flights, 10% off on international flights; and 25% off on domestic hotel bookings with Yatra
  • 15% cashback with a maximum cap of INR 600 every month for Ola bookings
  • 10% discount on shopping with Grofers with a maximum collective discount of INR 1,000 on five transactions per month
  • 10% off on Zomato with a cap at INR 150 each on five transactions every month
  • BOGO (Buy one Get one) free ticket offer at INOX on the weekends twice per month with a cap fixed at INR 200 per transaction

3. Axis Bank Neo Credit Card-

This is one of the most sold credit cards by Axis Bank. Some of the notable benefits on this card include:

  • 10% cashback on online shopping, recharges, and movie tickets
  • 10% cashback on mobile recharges with Freecharge
  • 10% discount at Myntra on purchases of INR 500 and above
  • 10% off with BookMyShow with a cap at INR 50 every month, and a welcome gift voucher by BookMyShow worth INR 300
  • INR 250 Amazon gift voucher on the first transaction within 30 days of its activation

4. American Express SmartEarn™ Credit Card-

This card helps you earn accelerated reward points while shopping online. Let’s dig deep into the benefits listed below.

  • 10X membership points on Flipkart & Uber
  • Renewal Fee waived off on purchases of INR 40,000 and above in the previous year
  • 5X membership points on Amazon, BookMyShow, Swiggy among others
  • INR 500 cashback on spends of INR 10,000 within 90 days of card issuance

5. SBI SimplyCLICK Credit Card-

This is one of the low-cost cards for online shopping from SBI. The noteworthy benefits of this card are as follows:

  • 10X reward points on online spending with partners- Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, and others
  • 5X reward points on other online purchases
  • INR 500 Amazon voucher on joining
  • One e-voucher worth INR 2,000 each for annual online spending of INR 1 lakh and INR 2 lakh

6. HDFC MoneyBack Credit Card-

This card 2X reward points on online purchases that can be redeemed for statement gifts, vouchers, credit, and air mile conversion, among others. Additional benefits include:

  • Annual fee waived off on purchases of INR 50,000 and above in the previous year
  • INR 500 e-voucher on spends of INR 50,000 and above in 3 months
  • Two reward points for every INR 150 spent

7. HSBC Cashback Credit Card-

This can be a smart choice if you spend a lot on online shopping. The comprehensive benefits of the card include:

  • 20% off on Swiggy for transactions above INR 400 capped at INR 100, once per month
  • 5% off on Amazon purchases worth above INR 1,000 capped at INR 250 per month
  • 1.5% cashback on all online purchases with this card
  • Discounts on Big Basket of up to INR 450
  • Discounts on Amazon Pantry as well as Amazon Fresh, till up to INR 300
  • Discounts of up to 30% on MakeMyTrip

Did you find the best credit card for online shopping for you?

Which is the best credit card for online shopping? Knowing the attractive offers and benefits of each of the credit cards enlisted above, you can choose the best credit card for online shopping as per your needs and requirements.

However, don’t forget to analyze your spending and then select the credit card that best suits your online spending.

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