Credit Card

Top 7 Credit Cards for Online Shopping!

Published On February 2, 2024

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If you love shopping online and want to get rewarded for it, you are in luck Banks and finance companies are offering credit cards designed just for people like you who prefer buying everything from gadgets to groceries on the internet.

These cards come with special benefits and rewards tailored for online shopping. Some cards even give extra perks when you shop on specific websites, while others offer great rewards for all kinds of online purchases. To make your choice easier, Here is a list of the best credit cards for online shopping 

List of Top Credit Cards for Online Shopping

SBI SimplyClick Credit Card

the SBI SimplyClick Credit Card is like your digital shopping buddy. And guess what? It won’t burn a hole in your pocket with a reasonable annual fee of Rs.499.

Here is the lowdown in simple terms:

  • Annual Fee: Just Rs.499 – not bad for all the perks
  • Special Features:
  • Get ready for a shopping spree You can withdraw 80% of your credit limit.
  • Earn big with 10X rewards when you shop on Amazon, BookMyShow, NetMeds, Cleartrip, and more.
  • Bag 5% of your spending back as reward points for all online transactions, no matter where you shop.
  • As a welcome treat, enjoy a Rs.500 Amazon gift voucher – it is like a gift from SBI to you
  • Every Rs.100 you spend online gets you 5 rewards – more shopping, more rewards
  • Hit spending milestones, and you could score e-vouchers worth Rs.2000 from Cleartrip when you reach Rs.1 Lakh and 2 Lakh.

It is your ticket to more rewards and savings while you shop online. So, if you love the convenience of online shopping, this card is tailor-made for you.

SBI Card Prime 

Introducing the SBI Card Prime – your ticket to premium perks without breaking the bank Here is the lowdown:

  • Annual Fee: it is Rs.2999, but the benefits are worth it
  • Special Features:
  • Enjoy gift vouchers worth Rs.3000 from top brands like Yatra, Bata, Hush Puppies, Shoppers Stop, and Aditya Birla Fashion – treat yourself
  • Earn a cool 20 reward points for every Rs.100 spent on utility bills with standing instructions – savings made stylish
  • Get 20 reward points for every Rs.100 spent on your birthday – celebrate in style with extra rewards
  • Enjoy a complimentary Vistara Club Membership – your gateway to exclusive travel benefits

Axis Bank Ace Credit Cards

If you love shopping online, the Axis Bank Ace Credit Card is a great pick for you it is considered one of India’s top credit cards for online shopping because it gives you the highest cashback of 2% on all your transactions.

Here are the key details in simple terms:

  • Annual Fee: Rs. 499
  • Special Features:
  • Get 5% cashback when you use Google Pay for bill payments like mobile and DTH recharge.
  • Enjoy 4% cashback on popular platforms like Swiggy, Zomato, and Ola.
  • No limit on  cashback you can earned
  • Get up to 20% off at 4000+ participating restaurants.
  • Pay for your fuel at any petrol pump using this credit card and enjoy a 1% waiver on the surcharge.
  • You get to visit domestic lounges up to 4 times a year.

HDFC Moneyback Credit Card

If you are new to the credit card game, the HDFC Moneyback Credit Card is like your beginner’s pass to cashback rewards. Plus, the annual fee won’t break the bank at just Rs.500.

Here is the breakdown in simple terms:

  • Annual Fee: Only Rs.500 – not too heavy on the pocket, right?
  • Special Features:
  • As a welcome gift, you will snag 500 rewards – a little extra something right from the start
  • Earn 2X reward points for every Rs.150 you spend online – more points, more rewards.
  • The best part? You can turn those accumulated rewards into cold, hard cash back. Every 100 points you have can be converted to Rs.20 in cashback.

HDFC Millennia Credit Card 

The HDFC Millennia Credit Card is your ticket to exclusive perks and benefits, specially designed for millennials like you who love to shop online. Here is the breakdown in simple terms:

  • Annual Fee: it is just Rs.1000 – not too much for the goodies you get
  • Special Features:
  • Right from the start, you get 1000 reward points just for joining the club – easy peasy
  • Spend Rs.1 lakh in a calendar quarter, and guess what? You pocket Rs.1000 in gift vouchers – that’s like a bonus for your shopping adventures
  • Enjoy a solid 5% cashback on Amazon, Flipkart, and even on flight and hotel bookings through PayZapp and SmartBuy – more savings for your favorite purchases
  • For all your other online buys, you get a cool 2.5% cashback – it is like getting paid to shop
  • Even when you reload your wallet, they’re giving you 1% cashback – talk about extra perks
  • And for those times you want to kick back at the airport, you’ve got 8 free domestic lounge visits every financial year – that’s 2 visits each quarter

Flipkart Axis Bank Credit Card

If you are a big fan of shopping on Flipkart, the Flipkart Axis Bank Credit Card is tailor-made for you it is one of the best cards for Flipkart lovers, offering the second-highest cashback rates, just after the Axis Bank Ace Credit Card. Plus, it has cool partnerships with Myntra, Swiggy, and more.

Here is the breakdown in simple terms:

  • Annual Fee: Rs. 500
  • Special Features:
  • Get a whopping 5% cashback on Flipkart, Myntra, and 2GUD purchases.
  • Enjoy 4% cashback on Swiggy, Uber, PVR, and Cure. fit expenses.
  • For all other categories, you still get a decent 1.5% cashback.
  • Score a joining benefit worth Rs. 2900 from popular e-commerce websites like Myntra, Flipkart, and Swiggy.

Amex Membership Rewards Credit Card 

 The Amex Membership Rewards Credit Card – your gateway to savings and rewards Here is the lowdown in simple terms:

  • Annual Fee: It is just Rs.1000 – not too heavy on the pocket
  • Special Features:
  • Start strong with a bonus – score 2000 reward points when you spend Rs.5000 within 90 days of getting your card. it is like a little welcome gift
  • Now, Here is a cool deal: if you spend Rs.1.5 lakh, you get a 100% fee waiver on renewal – that’s right, no renewal fee
  • Even if you spend between Rs.90,000 and Rs.1,49,999, you still get a sweet 50% fee waiver on the renewal – more savings for you

ICICI Amazon Pay Credit Card

If you love shopping, especially on Amazon, the ICICI Amazon Pay Credit Card is like a magic wand for your purchases. it is super popular among shoppers and the best part? No annual fees ever

Here is the scoop in simple terms:

  • Annual Fee: No worries about annual fees; it is a lifetime free card
  • Special Features:
  • Enjoy no-cost EMI for anything over Rs.3000 for 3 to 6 months – perfect for those bigger buys.
  • Prime customers, rejoice Get a fantastic 5% cashback on all your Amazon shopping sprees.
  • Even if you are not a Prime member, you still get a sweet 3% cashback on your Amazon hauls.
  • Bag 2% cashback when you shop from 100+ Amazon partner merchants – more savings for you
  • For all your other purchases, score a cool 1% cashback.
  • Hungry? Get a tasty 15% discount at all ICICI bank partner restaurants – a treat for your taste buds.
  • Drive more, spend less – enjoy a 1% fuel surcharge waiver at any petrol station.

HDFC Regalia Credit Card

The HDFC Regalia Credit Card – your ticket to luxury and rewards, simplified just for you

  • Annual Fee: it is Rs.2500 – a bit on the premium side, but the perks make it worthwhile
  • Special Features:
  • A Zomato Gold membership as soon as you grab this card – it is like an exclusive foodie pass
  • Every year, you will pocket 2500 points – just for keeping the card. Sweet, right?
  • If you spend Rs.3 lakh in the previous financial year, HDFC says, “No annual fee for you” 

Standard Chartered DigiSmart Credit Card

The Standard Chartered DigiSmart Credit Card – your ultimate all-in-one card for a fantastic online shopping experience Let’s break it down for you:

  • Annual Fee: it is just Rs.49 per month – a small price for big benefits
  • Special Features:
  • Enjoy a whopping 20% off when you shop for trendy stuff on Myntra – fashion goals achieved
  • Get a cool 10% discount on your grocery hauls from Grofers (now BlinkIt) – more savings for more goodies
  • Feast your eyes on this – grab a maximum discount of Rs.150 on delectable orders from Zomato. Dinner just got better
  • Planning a trip? Avail up to 25% off on travel bookings via Yatra – it is like getting a discount on your next adventure
  • Enjoy a maximum cashback of Rs.600 on all your Ola rides – travel smart and save more


Shopping online is a breeze with credit cards, and they bring an extra layer of security with features like purchase protection and credit shields. These perks have your back for at least 45 days from your purchase date. If you ever feel unsatisfied with a buy, your credit card company steps up and takes care of the refund. it is like having a shopping superhero in your wallet So, which of these fantastic online shopping credit cards are you keeping an eye on? 

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Credit cards offer exclusive benefits and rewards tailored for online shopping, making your purchases more rewarding. They often come with features like cashback, reward points, and discounts, making them your go-to digital shopping buddy.

The SBI SimplyClick Credit Card is ideal for online shoppers with its reasonable annual fee of Rs.499. It offers perks like 10X rewards on popular websites, a Rs.500 Amazon gift voucher as a welcome gift, and 5% cashback on online transactions.

The HDFC Moneyback Credit Card is great for first-time users with its low annual fee of Rs.500. It provides a welcome gift of 500 rewards, 2X reward points on online purchases, and the flexibility to convert rewards into cashback, offering a beginner-friendly approach to credit card benefits.

The HDFC Regalia Credit Card, though premium with an annual fee of Rs.2500, offers luxury benefits. Users receive a Zomato Gold membership as a welcome offer, annual renewal benefits, and the possibility of no annual fee by meeting the spending criteria, making it a card worth considering for those seeking luxury rewards.

The Standard Chartered DigiSmart Credit Card, with its affordable monthly fee of Rs.49, simplifies online shopping with discounts on popular brands like Myntra, Grofers, Zomato, Yatra, and Ola. It provides an all-in-one solution for a fantastic online shopping experience.

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