Top 5 Credit Cards for Online Shopping in India [2025] – Cashback & Rewards
Top 5 Credit Cards for Online Shopping
In the digital age, online shopping has become a daily activity. From groceries to gadgets, we buy everything online — and credit cards make it easier and more rewarding. Choosing the right credit card for online purchases can help you earn cashback, reward points, and special discounts.
In this guide, we’ve handpicked the Top 5 Credit Cards for Online Shopping in India (2025) based on cashback, rewards, benefits, and overall value.
1. Amazon Pay ICICI Credit Card
- Best For: Amazon Shoppers
- Cashback: 5% for Prime, 3% for non-Prime, 1% elsewhere
- Annual Fee: ₹0 (Lifetime Free)
Why It Stands Out: No annual fee + automatic cashback without redemption hassle.
Pros: Great for Amazon, lifetime free, instant EMI available
Cons: Limited offline benefits, Amazon-focused rewards
2. Flipkart Axis Bank Credit Card
- Best For: Flipkart, Myntra, Swiggy users
- Cashback: 5% on Flipkart/Myntra, 4% on Swiggy, 1.5% elsewhere
- Annual Fee: ₹500 (waived on ₹2L annual spend)
Why It Stands Out: Strong rewards for lifestyle and food delivery.
Pros: Cashback, fuel waiver, fashion benefits
Cons: Cashback limits apply, fee if low usage
3. HDFC Millennia Credit Card
- Best For: All-round online spend
- Cashback: 5% on Amazon, Flipkart, Zomato, etc.
- Annual Fee: ₹1,000 (waived on ₹1L spend)
Why It Stands Out: Works with most major platforms
Pros: SmartBuy offers, EMI, versatile use
Cons: Cashback after ₹2,000/month spend, high fee
4. SBI SimplyCLICK Credit Card
- Best For: Beginners, students
- Rewards: 10X points on Amazon, BookMyShow, Cleartrip
- Annual Fee: ₹499 (waived on ₹1L spend)
Why It Stands Out: Affordable, easy to use
Pros: Good welcome offer, reward point flexibility
Cons: No lounge access, limited cashback
5. Axis Bank Neo Credit Card
- Best For: Students, urban youth
- Benefits: ₹500 BookMyShow voucher/month, 10% off Zomato, Blinkit
- Annual Fee: ₹250 (1st year waived)
Why It Stands Out: Great for budget and entertainment
Pros: Movie vouchers, app discounts
Cons: Limited rewards for high spenders
Comparison Table
| Card Name | Cashback/Reward % | Annual Fee | Best For |
|---|---|---|---|
| Amazon Pay ICICI | 5% (Prime), 3% (others) | ₹0 | Amazon users |
| Flipkart Axis | 5% Flipkart/Myntra | ₹500 | Fashion, Swiggy |
| HDFC Millennia | 5% on top brands | ₹1,000 | All-rounder |
| SBI SimplyCLICK | 10X rewards | ₹499 | Students, Bookings |
| Axis Neo | Up to 10% discount | ₹250 | Budget youth |
Tips Before You Apply
- ✅ Check eligibility & income requirements
- 📉 Always repay full dues to avoid interest
- 🔄 Use your card regularly to waive off fees
- 🎯 Pick a card that matches your shopping pattern
Your Smart Tips
Using the right credit card while shopping online not only makes the process smooth but also helps you earn valuable rewards and savings. Whether you're an Amazon Prime member, Flipkart fan, or just someone who shops frequently online — there's a perfect card waiting for you.
Want to save more in 2025? Apply for the credit card that fits your lifestyle and enjoy smart shopping like never before!
👇Want to explore more? Check out these articles:
👉 How to Use UPI Safely in 2025
👉 How to Protect Your WhatsApp from Scammer