10 Best Credit Cards for Online Shopping


Shopping is one of the most therapeutic activities and the best way to treat yourself and your loved ones. Earlier buying something required being physically present in the store. This not only brought your choices to a limitation but also made the shopping experience monotonous.

However, with changing times and technical advancement, shopping for anything that you like is just a click away. You can purchase anything in the most hassle-free manner.

While shopping is a therapy for you, it is wise to do it in the right way, so the spending brings back some rewards as well. Credit cards give you the advantage of enjoying shopping as well as a list of extravagant benefits. 

While apps like CRED ensure easy management of Credit Cards, choosing the Best Credit Cards for Online Shopping might seem to be challenging at times. So here is a list of the best credit card for online shopping curated for you.

10 Best Credit Card For Online Shopping

1. ICICI Amazon Pay Credit Card

As the name suggests, ICICI Amazon Pay Credit Card is the best credit card for online shopping on Amazon, but not limited to the e-commerce site. The card comes with absolutely zero annual fee and no-cost EMI for all purchases that are made above 3000 INR for 3 and 6 months.

While Amazon Prime customers get 5% cashback, the non-prime members can get 3% cashback. Additionally, you can avail 2% reward points on credit card bill payments and rewards. One reward point is 1 rupee, and you can renew it whenever you wish.

2. Amex Membership Rewards Credit Card

If you choose to have money in your shopping wallet, then Amex Membership Rewards Credit card is the best option for you. With an annual fee of 1000 INR, it comes with a long list of benefits. 

As a welcome gift, you will get 2000 member bonus rewards points when you spend 5000 INR within 90 days of your card activation.

Additionally, you will get a 100% fee waiver on the renewal when you spend 1,50,000 and a 50% fee waiver if you spend anywhere between 90,000 INR to 1,49,999 INR.

3. Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card is the best option for a spendthrift. This card works across all platforms, and there is a guaranteed reward for every purchase that you make. With a minimal fee of 49 INR per month, the card comes with multiple rewards.

If you love movies, then you can avail rewards on INOX tickets on the weekends, twice a month. Similarly, you can avail 10% off on grocery shopping through Groffers for five times a month, 20% off on Myntra with a maximum discount of 700 INR once a month and 10% off on Zomato for five times in a month. 

4. HSBC Cashback Credit Card

With a minimal annual fee of 750 INR, HSBC Cashback Credit Card provides the benefit of 5% cashback on all online purchases and 1% cashback on other transactions. You can also avail up to 15% discount on HSBC select restaurants. 

It also provides instant cashback on EMI for listed merchant partners, and the cashback is credited with optimal ease. This credit card is the best choice when you love shopping from various platforms. 

5. SBI SimplyClick Credit Card

SBI SimplyClick Credit Card has an array of bonanzas for just 499 INR of the annual fee. The best feature is the flexibility to withdraw 80% of the credit card limit. It also offers 10X reward points on purchase from partner brands and 5% of reward points on transactions done for online merchants.

You can avail the EMI option when the transaction is above 2500 INR. Similarly, there are welcome gifts of 500 INR from Amazon, thus making your shopping experience wholesome. 

6. American Express SmartEarn Credit Card

American Express SmartEarn Credit Card will help you shop as much as you want while rewarding you for every penny that you spend. You will get 10X reward points for every 50 INR that you spend on Flipkart and Uber and 5X reward points when you purchase on Amazon, Swiggy, BookMyShow, Myntra, Big Bazaar and more.

That’s not all; you will get one membership reward points with every 50 INR spent on insurance, fuel, and cash transactions. So if you like to get rewards that you can renew later, this credit card is the best choice for you. 

7. HDFC Regalia Credit Card

This is a premium credit card catering to your luxury. It offers 0.50 INR (4 reward points) on every 150 INR that you spend and 5000 INR ( 10,000 bonus reward points) on spending five lakhs.

With an annual fee of 2500 INR, this card is exclusively meant for those who love rewards and cashback. The welcome offer includes Zomato Gold membership, 2500 reward points every year as renewal benefits and more. Additionally, you won’t be charged any annual fee for the next year if you spend 3,00,000 INR in the previous year.

Apart from the shopping experience, it comes with up to 15 lakhs of medical emergency protection, up to 1 crore of air accident and more. 

8. Axis Bank Buzz Credit Card

Axis Bank Buzz Credit Card is an excellent option if you love shopping on Flipkart. With an annual fee of 750 INR, you get a lot of offers from Axis Bank. It offers 1000 INR gift voucher as a welcome gift along with enormous saving options.

With Axis Bank Buzz Credit Card, you will get a 10% instant discount on Flipkart while shopping from the 1st to 5th of every month and 5% instant discount from 6th to 30th of every month. 

As a milestone bonus, you will receive gift vouchers of worth 7000 INR when you cross two lakhs of spendings, which should include shopping of 1lakh on Flipkart. However, the credit card benefits are not limited to one merchant site, and you will get reward points for all online transactions. 

9. Axis Bank Neo Credit Card

With a minimal joining fee of 250 INR that is waived off on spending 2500 INR within 45 days, Axis Bank Neo Credit Card is best suited for people who love shopping on Myntra, BookMyShow, RedBus, FreeCharge and Jabong.

It offers a 10% discount at Myntra, BookMyShow, RedBus and FreeCharge. Along with that, you will get two reward points on every 200 INR that you spend.

10. HDFC Moneyback Credit Card

HDFC Moneyback Credit Card offers 2X reward points for every 150 INR of online transactions and two reward points for retail transactions. 

With just 500 INR as an annual fee, this is the best credit card if you believe in minimalistic shopping. The card also offers 500 reward points as a welcome gift. 


We live in a digital world now. Online shopping thriving much more than physical shopping and therefore, it is always a good option to subscribe to such credit cards. However, remember to pay off your credit card bills regularly and maintain your credit score

about CRED

CRED is a members-only platform that rewards the creditworthy individuals of India with exclusive experiences, rewards and upgrades.

follow us on