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11 Best Credit Cards for Online Shopping in India 2022

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Last Updated on 26/02/2022 by Deepak Singla

If you are a shopaholic, then a shopping credit card will surely help you save thousands of rupees while shopping online. The category of credit cards meant for online shopping is gaining popularity quickly due to surge in online shopping. It gains even more demand in the festive season.

Moreover, all the top banks in India advertise great offers on their online shopping cards during this time. Who would want to miss out on that? However, analyzing a myriad of credit cards for shopping to figure out which one will fetch the best offers and deals is difficult.

Say goodbye to your worries for a while because we have done the hard work on your behalf to provide you with the top credit cards for online shopping in India. Given below is a compilation of the best credit cards for online shopping that will shower you with offers and discounts:

List of 11 Best Shopping Credit Cards in India

Sl. No. Credit Card Name Joining Fee Annual Fee Rewards
1. SBI SimplyCLICK Credit Card INR 499 INR 499 ·         INR 1 = 4 points (for shopping, travel, groceries, and dining)
2. HDFC MoneyBack Credit Card INR 500 INR 500 ·         INR 150 = 4 points (for shopping)

·         INR 150 = 2 points (for other expenses)

3. ICICI Amazon Pay Credit Card Nil Nil ·         5% cash back on purchases made at Amazon


4. Axis Bank Buzz Credit Card INR 750 INR 750 ·         INR 200 = 2 reward points
5. Kotak Essentia Platinum Credit Card INR 1499 INR 749 ·         INR 100 = 10 reward points (for expenses at stores and grocery shopping)

·         INR 250 = 1 reward point (for other expenses)

·         1 reward point = INR 1

6. American Express SmartEarn Credit Card INR 495 INR 495 ·         INR 50 = 10X reward points (shopping at Flipkart and Uber)

·         INR 50 = 5X reward points (shopping at Amazon)

7. SBI SimplySave Credit Card INR 499 INR 499 ·         INR 100 = 1 reward point (for shopping, groceries, movies, and dining)

·         INR 100 = 1 reward point (for other expenses)

8. HSBC Cashback Credit Card Nil INR 750 ·         5% on online expenditure
9. Standard Chartered DigiSmart Credit Card N/A INR 49 per month ·         20% discount on Myntra

·         25% off on Yatra

·         15% cashback on Ola, etc.

10. Axis Bank Neo INR 250 INR 250 ·         INR 200 = 2 reward points
11. Kotak Delight Credit Card INR 1999 INR 250 ·         10% cash back on dining and movie tickets

1. SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card is an ideal choice if you love conducting your daily transactions online. This is a credit card for online shopping that will reward you with more offers than what you could have asked for. It will give you 10X rewards on online platforms like Amazon, Lenskart, UrbanClap, BookMyShow, and so on.

Benefits and Features

  • If you spend INR 100 on online movie tickets, grocery shopping, and dining, then you will be rewarded with 10 points
  • For other transactions, you will receive 1 point for every INR 100
  • INR 500 welcome gift from Amazon
  • INR 750 when you book packages over INR 1,500 via Cleartip mobile app.
  • You can convert an expense of INR 2,500 and above into EMIs

Reward Value

  • 100 = 10 Reward Points (for Online shopping)
  • 100 = 5 Reward Points (for Online retailers)
  • 100 = 1 Reward Point (for general spending)
  • Reward redemption rate = 0.25 %


  • Annual Fee: INR 499
  • Card Replacement fee = INR 100


  • Low-fee credit card for shopping
  • Cleartrip e-voucher of INR 2000 if your annual online expenditure crosses INR 1 lakh.


  • It doesn’t give you cashback

2. HDFC MoneyBack Credit Card

HDFC Money-Back is such a shopping card that provides you with the highest cashback ever. The best part is that HDFC will give you a credit card even if you don’t have a credit history. So, it is a great low-annual fee shopping credit card for first-time users.

Benefits and Features

  • Fuel Surcharge Waiver at any gas station in India
  • 2X Rewards for online shopping
  • Reward points can be converted into cashback

Rewards Value

  • Welcome gift of 500 reward points
  • INR 150 spent = 2 Reward Points
  • INR 150 worth online transactions = 4 Reward Points
  • 100 Reward Points = INR 20


  • Annual Fee = INR 500
  • The annual fee for the first year is waived if your card gets approved within 3 months of opening a saving account with HDFC bank


  • Can convert reward points into cashback
  • Fuel Surcharge Waiver up to INR 250 per month
  • Low annual fee
  • Provides credit card for shopping to applicants with no credit history as well.


  • Not many benefits across different categories

3. ICICI Amazon Pay Credit Card

ICICI Amazon Pay Credit Card, as the name suggests is the best pick for people who are regular Amazon customers. The more you buy from Amazon, the more cashback you receive.

Benefits and Features

  • 5% cashback on shopping from Amazon for Prime customers.
  • For non-prime customers, 3% cashback.
  • 1% cashback on other expenditure apart from shopping from Amazon.
  • 1% fuel surcharge waiver provided


  • INR 3000 cashback on the expenditure of INR 60,000 on Amazon, i.e. a 5% cashback
  • INR 5000 cashback on the annual online expenditure of INR 1 lakh.
  • 1 reward point = INR 1


  • Annual Fee: Nil


  • Great for Amazon customers
  • No cost EMI if you make purchases of more than INR 3,000 for 3 and 6 months.


  • Doesn’t provide any benefits across Travel or Entertainment

4. Axis Bank Buzz

Axis Bank Buzz Credit Card is best for customers who are loyal customers of Flipkart. Customers will be able to enjoy 10% heavy discounts from the 1st to the 5th of every month. There is a sign-up bonus offered as well.

Benefits and Features

  • E-Voucher of INR 1,000 as Welcome Gift
  • 10% off on expenses from the 1st to 5th of each month
  • 5% off on expenses for the rest of the month
  • 6 points of spending INR 200 for online shopping

Rewards Value

  • INR 200 expenses = 3 Reward Points for online shopping
  • INR 200 expenses = 2 Reward Points on other expenditure
  • Points Redemption Rate: 5 EDGE points = 1 InterMile = INR 45
  • Reward Rate on Online Shopping = 0.14%
  • Reward Rate on General Shopping = 0.09%


  • Annual Fee: INR 750
  • Finance Charges on overdue credit: 3.25% per month
  • Cash withdrawal fee: 2.5% of the transaction


  • INR 1000 gift voucher on your first 3 purchases
  • Anniversary and Renewal benefits provided as well.
  • 15% dining discount at partnered restaurants


  • Mainly beneficial for Flipkart customers

5. Kotak Essential Platinum Credit Card

Kotak Essential Platinum Credit Card is the ideal card for online grocery shopping. You will get the best cashback options with this card. Moreover, it will also shower you with other privileges such as card protection insurance, customer assistance, and so on.

Benefits and Features

  • 10% cashback on online grocery shopping
  • 1200 points or 6 free PVR tickets if your 6 months expenditure is INR 125,000.
  • Earn up to 2400 points in a year

Rewards Value

  • Rewards Rate: 0.40%
  • Redemption Rate: 1 point = INR 1
  • INR 100 spent on groceries and retail = 10 points
  • INR 250 general expenses = 1 point


  • Joining Fee: INR 1,499
  • Annual Fee: INR 749


  • Highest Rates for grocery shopping
  • 10% savings on expenses above INR 1500
  • 1200 reward points on INR 1,25,000 expenditure over 6 months


  • Not many benefits across categories other than groceries and retail
  • High Joining Fee

6. American Express SmartEarn Credit Card

American Express SmartEarn Credit Card will shower you with hefty rewards while shopping with exclusive online partners. You can redeem the membership reward points against shopping, travel, and other expenses. Hence, this is the best credit card for online shopping for many of its customers.

Benefits and Features

  • Cashback of INR 500 if you spend INR 10,000 within 90 days of getting the card.
  • 4000 Reward Points if you use the card thrice within 2 months of issuance.
  • 1000 Reward Points on online shopping 4 times in a month.
  • 5000 Reward Points upon renewal
  • Up to 20% dining discount
  • 0% convenience fee at HPCL petrol pumps

Rewards Value

  • 1 Reward Point on every INR 50 spent
  • 1 Reward Point = INR 0.40
  • INR 50 spent at Flipkart or Uber = 10X Reward points
  • INR 50 spent on Amazon, Big Bazaar, Swiggy, PVR, BookMyShow, etc. = 5X reward points


  • Annual Fee: INR 1000 (for the first year)
  • Renewal Fee: INR 4500


  • Low annual fee
  • High reward points on shopping
  • Higher Rate of Earning
  • Renewal fee waived off for annual expenditure exceeding INR 1,50,000


  • Not good for people will annual income lower than INR 4.5 lakhs (salaried individuals) / INR 6 lakhs (self-employed individuals)
  • Not much cashback provided

7. SBI SimplySave

SimplySave Credit Card by SBI is the best deal for people who regularly shop online. It has several alluring offers to benefit you. Moreover, you will be able to save on groceries and restaurants too.

Benefits and Features

  • Fuel surcharge fee waiver of 1% at a petrol station.
  • Bonus points on joining
  • 10X Reward points

Rewards Value

  • INR 100 = 10 Points (expenses on online grocery shopping, movie tickets, and dining)
  • INR 100 = 1 Point (Other expenses)
  • Reward Ratio is 0.25


  • Annual Fee: INR 499
  • Annual fee waived in the second year if your annual expenditure is more than 1 lakh


  • High reward points offered
  • Fuel surcharge waiver
  • Low annual fee


  • No waiver on the first-year annual fee

8. HSBC Cashback Credit Card

HSBC Cashback credit card is wonderful for online purchases. So if you are a shopaholic person, then this is your chance. Besides unlimited cashback, you will also enjoy amazing offers and deals.

Benefits and Features

  • The welcome gift consists of Cleartrip voucher of INR 2,000 and Swiggy voucher of INR 250
  • 5% cashback on only expenditure
  • 1% cashback on other expenses
  • Cashbacks get credited within 45 days of the card’s statement
  • 15% discount at restaurants partnered with HSBC bank.


  • Annual Fee: INR 750


  • Cashbacks don’t have a maximum cap
  • Cashback on EMI purchases


  • Travel, entertainment, and other benefits not provided

9. Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card is one of the top-rated cards for shopping and expenses in other categories like travel, dining, grocery shopping, etc. Customers of Myntra, Grofers, and cabs like Ola will be highly benefited.

Key Benefits

  • 10% off on buying groceries online 5 times on Grofers in a month
  • 20% discount upon shopping at Myntra
  • 10% discount on Zomato 5 times each month
  • 15% cashback for booking Ola


  • Monthly fee: INR 49


  • Low annual fee
  • Comprehensive benefits and features


  • Doesn’t provide exclusive benefits for shopping with Flipkart and Amazon

10. Axis Bank Neo

Axis Bank Neo is yet another great addition to the list of best credit cards for online shopping. You get 10% off on movies and 10% cashback on mobile recharges. Moreover, you will receive discounts for shopping on Myntra too.

Benefits and Features

  • 10% discount during the first 5 days of every month.
  • 5% discount while shopping in the rest of the days.
  • Welcome gift e-Voucher of INR 1,000 if you make use the card thrice within 45 days.
  • INR 500 anniversary bonus if you spend INR 25,000 yearly
  • INR 1,000 anniversary bonus if you spend INR 50,000

Rewards Value

  • INR 200 spent on online shopping = 3 reward points
  • INR 200 spent on general shopping = 2 reward points
  • Points Redemption Rate: 5 EDGE points = 1 InterMile = INR 45


  • Joining Fee: INR 250
  • Annual fee from 2nd year: INR 250


  • A lot of cashback provided
  • Discounts on movie ticket bookings via BookMyShow
  • Very low Annual fee


  • Discounts on few partnered websites only
  • Monthly caps on maximum discount

11. Kotak Delight Credit Card

Kotak Delight Platinum Credit Card is one of the best credit cards for shopping because it will have you relishing privileges for several categories like entertainment, travelling, dining, etc. Besides such attractive offers, it also gives you cash back, fee waivers, discounts, and so on.

Benefits and Features

  • 10% cashback on movie tickets and dining transactions
  • 4 complimentary PVR movie tickets if you spend INR 1,25,000 every 6 months.
  • 8% railway surcharge waiver for IRCTC bookings
  • 5% fuel surcharge if fuel transactions are made at Indian fuel stations


  • First Year fee: INR 1,999
  • Annual fee from 2nd year: INR 250


  • Fuel fee waiver
  • Insurance cover if the card gets stolen
  • Railway surcharge waiver


  • Joining fee is too high

Types of Shopping Credit Cards in India

1.     Cashback Shopping Credit Card

As the name suggests, cashback shopping credit cards will return a percentage of your expenditure via the credit card. The cashback amount can differ from retailer to retailer.

2.     Accelerated Rewards Shopping Credit Cards

These will provide you with amazing gifts and offers. Such cards for online shopping will earn you reward points on shopping against some categories like accessories, apparel, etc. You can redeem these reward points for gifts, cashback, discounts, and so on.

3.     Discount Offers Shopping Credit Cards

Several shopping credit cards provide yearly discounts on the shopping done online, offline, or at partnered stores. Now, if you are a loyal customer of a specific store, then you can choose such a credit card for online shopping that offers discounts upon shopping at that store.

Choosing the Right Shopping Credit Card

While shortlisting shopping credit cards, you need to compare them based on certain grounds. Given below are some such aspects:

  • Annual Fee
  • Sign-up Bonus
  • Benefits
  • Cashback / Rewards Redemption Process
  • Rewards Value
  • Cashback Percentage
  • Terms and conditions if any

Every person has different needs and different shopping patterns. You need to analyze which e-Commerce platform you prefer among other things to check if the credit card will prove to be beneficial or not. The best credit card for shopping as per your needs depends on how and where you want to use it.


How to Apply For Shopping Credit Cards Online?

Applying online for a shopping credit card makes things really convenient. You don’t have to go through the hassles of extra paperwork, waiting, and so on. So, here are some simple steps you need to follow while applying for a shopping credit card online.

Step 1. Visit the bank’s website or a partner website.

Step 2. Find the shopping card you wish to buy

Step 3. Go through the details of the card

Step 4. Hit the ‘Apply’ button and an online application form will appear on the screen

Step 5. Fill in all the required fields with correct information.

Step 6. Go through all the terms and conditions. Click on the ‘Submit’ button.

Step 7. A reference number for your application will be generated upon successful application.

Step 8. The bank will review your application in 3 to 4 days and if your application is eligible, then you will be informed of the further steps.

Step 9. The credit card will be processed in 7 to 10 days.

Eligibility Criteria for Shopping Credit Card Application

The eligibility requirements to apply for an online shopping card differ from one card provider to another. However, there are some general eligibility criteria that most of the banks need you to fulfil:

  • You need to be a citizen of India
  • Could be salaried or self-employed
  • Good credit history preferred. Not necessary for the first time borrowers
  • Minimum entry age: 18 to 21 years (depends on the bank)
  • Maximum entry age: 60 years

Note: Most of the banks might have specified income requirements while some might not.

Documents Required To Apply For Shopping Credit Cards

  • Identity Proof: Aadhaar Card, Voter card, passport, etc.
  • Address Proof: Voter ID, Aadhaar card, driving license, passport, electricity bill, etc.
  • Copy of PAN card
  • Duly filled in application form
  • Last two months’ salary slips or IT returns
  • 1 passport size photo


How to Use Shopping Credit Cards?

Using credit cards for online shopping is not a difficult task. But, it is better to clear your doubts if you are a first-timer. Given below the steps involved in online shopping with a credit card:

Step 1. Choose the items you want to purchase from any eCommerce store

Step 2. Click on ‘Add to Cart’ or ‘Add to Bag’.

Step 3. Enter your Shipping Details. Then, you will be taken to the payments page.

Step 4. Select Credit Cards as the payment method

Step 5. Type in your name and credit card information


Safety Tips While Using Credit Cards

There have been numerous instances of online monetary fraud. So, people obviously want to be cautious while making online transactions. Here are some tips that will help you stay safe while using your online shopping card:

  • Shop from trusted and secure websites only.
  • Don’t go for sites based on the discounts they offer. Notice if the website has a lock or VeriSign.
  • Don’t give away your credit card PIN anywhere on the internet.
  • Turn on alerts for every time your credit card gets used.



Q1. What are accelerated rewards?

Ans. Accelerated Reward points refer to some extra points that shoppers earn for purchasing in some given categories. Such pre-decided categories can vary from one card to another.

Q2. How can reward points be beneficial?

Ans. Reward points prove to be advantageous because you can redeem discounts, cashback, offers, and more by exchanging them.

Q3. What are the credit cards I can get with a low salary?

Ans. There are several credit cards for shopping that you can get with a low salary. Some such cards are ICICI Platinum Chip Card, HDFC MoneyBack Credit Card, HDFC Freedom Credit Card, etc.

Q4. Can shopping credit cards be used for other expenses?

Ans. Yes, you can use your credit card for any expenditure. But, certain cards provide some special benefits and offers on certain categories.

Q5. Which credit card is best for shopping at Amazon?

Ans. The top banks do have some credit cards dedicated to providing you with massive benefits every time you shop at Amazon. Some of these are SBI SimplyClick credit card, ICICI Amazon Pay credit cards, etc.

Final Words

The above article talks about our picks for the 11 best credit cards for online shopping. It also gives you a brief about other aspects you need to know about shopping credit cards. Some of the things you need to know to make the best out of your online shopping credit card are:

Try making the highest benefit by putting all your expenses on the card. Secondly, at least purchase enough to receive the annual fee you pay as cashback. Lastly, stay updated to keep up with the offers.

That’s it from our side! Comment down below to let us know your favourite credit card for online shopping.