7+ Best Credit Cards for Online Shopping in India (2023)

Today most people choose online shopping over retail stores and thus, the demand for credit cards is also on the rise. From gadgets to groceries, everything is available online and the need for credit cards is increasing more and more. In fact, if you use credit cards you get rewarded by the banks. However, not all banks offer these reward points or other such benefits. To help you choose the best credit cards, below is a list of the Best online shopping credit cards in India.

Best Credit Card for Online Shopping India 2023

To choose the best credit card for you, you need to consider factors like the annual fee, interest rate, credit limit, rewards and benefits, and the card’s eligibility criteria. Look for a card that offers rewards and benefits that align with your spending habits, such as cashback on online shopping, fuel surcharge waivers, and airline miles.

Credit Cards for Online Shopping

  • Cashback SBI Card
  • Flipkart Axis Bank Credit Card
  • Amazon Pay ICICI Credit Card
  • HSBC Cashback Credit Card
  • HDFC Millennia Credit Card
  • Axis Bank ACE Credit Card
  • SBI Simply CLICK Credit Card
  • HDFC MoneyBack+ Credit Card
  • Axis Bank Buzz Credit Card
  • Axis Bank Neo Credit Card

1. Cashback SBI Card

Cashback SBI card is one of the best credit cards available in the market. This is due to the reason that the card offers unlimited cashback on all online and offline transactions. For every online spend, you earn a reward of 5% and 1% on all the other spends. One of the best features of this card is that it comes with no merchant restrictions. All these features make it one of the best credit cards for online as well as offline transactions.


(5k to 10k Daily Earn)

2. Flipkart Axis Bank Credit Card

For all the customers who are Flipkart loyalists, Axis Bank’s Flipkart credit card is one of the best cashback credit cards in India. Although this is an entry-level credit card, the set of benefits on this card surpasses its annual fee by a wide margin. If you are someone who looks for benefits across wide categories, this card should be on your list for sure. Apart from the features, the best part of this card is the array of partner merchants of Flipkart including Myntra, Uber, Curefit, PVR, and more.

3. Amazon Pay ICICI Card

There is no doubt in the fact that Save a lot of Money when used regularly. When we talk about credit cards, the Amazon Pay ICICI card comes to mind for sure. This is one of the best credit cards for sure as it offers huge benefits to the customers. Amazon is one of the best shopping platforms in India, this card offers amazing offers and cashback to users. For starters, you get a cashback of 2% at 100+ Amazon Pay partner merchants. Also, if you are planning to get this card, consider buying an Amazon Prime membership as well as Prime members get 2% higher cashback on the platform.

4. HSBC Cashback Credit Card

HSBC cashback credit card offers unlimited cashback on your purchases. Since there is no minimum spending level, it is one of the best cashback credit cards in India. You earn 1.5% cashback on all your online spending and 1% cashback on all your other purchases. This means the bigger spending you make, the more cash back you will earn. Apart from that, there is no maximum cap on cashback which makes it one of the best credit cards available in India.

5. HDFC Millenia Credit Card

As the name itself suggests, the HDFC Millenia credit card is specifically made to cater to the needs of millennials who love to shop online. The card offers cashback in the form of reward points for all your spending. The card comes with an annual fee of Rs. 1000 which can fall hard on your pocket but with the features and benefits, it is all worth it. It offers 2.5% cashback on all online purchases and 1% on all offline purchases. However, get this one only if you are sure of spending big to make the most of it.

6. Axis Bank Ace Credit Card

Regarding cashback credit cards, Axis Bank Ace Credit Card is one of the best bets for you. It offers the highest cashback of around 2% across all transactions and 5% cashback on bill payments, mobile recharges, bill payments, and more. If you are looking for a card with minimum annual fees then this card is definitely ideal for you as it charges only Rs. 499 as an annual fee.  Apart from that, there is no upper limit on cashback. You also get 4 domestic lounge visits in a year. Overall, this card is a win-win for all users.

7. HDFC Money Back+ Credit Card

Available at an annual fee of Rs. 500, the benefits offered by HDFC money-back credit card are great. For first-time users, it is one of the most popular cards as you can get up to 10X reward points for your purchase. Apart from that, you also get 5X reward points on your EMI spends at select merchants which can be redeemed at the conversion rate of 1 cashpoint Re.0.25. However, this card does not offer any benefits in the travel category like complimentary lounge access which is offered by most credit cards. All-in-all this is one of the best credit cards available in the market right now.


If you are an online shopper then these cards will be of great help to you. If you don’t own a credit card till now, consider getting one from the list above and enjoy online shopping even more. You can save money through several apps including Groww, Zerodha, Upstox, and more by investing.

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