Nowadays, online shopping is preferred by many because it allows for the convenience of having items delivered directly to your home, eliminating the need to visit physical stores. In response to this trend, credit card companies have started offering exclusive rewards and cashback deals tailored specifically for online shopping. These offers often include extra benefits for purchases made on popular platforms like Amazon, Myntra, and Flipkart, which are among the top online shopping apps in India. However, many people are not fully aware of these offers on their credit cards and may miss out on great savings opportunities with their purchases.
With the surge in online shopping, having the right credit card can make a significant difference in your savings and rewards. Online shopping credit cards are designed to provide cashback, rewards, and exclusive discounts on e-commerce platforms, making them ideal for those who frequently shop online. In this article, we’ll explore the best online shopping credit cards in India, highlighting their features, benefits, eligibility criteria, and why they are perfect for the savvy online shopper.
- List of Top Online Shopping Credit Cards in India
- Features and Benefits of Online Shopping Credit Cards
- Popular Online Shopping Credit Cards in India
- FAQ
List of Top Online Shopping Credit Cards in India
| Credit Card | Annual Fee | Cashback/Rewards | Rating |
|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | None | 5% cashback on Amazon (Prime), 3% (non-Prime), 1% on others | ★★★★☆ (4.6/5) |
| Flipkart Axis Bank Credit Card | ₹500 | 5% on Flipkart/Myntra, 4% on partners, 1.5% on others | ★★★★☆ (4.5/5) |
| HDFC Millennia Credit Card | ₹1,000 | 5% on Amazon, Flipkart, flight, hotel bookings via HDFC | ★★★★☆ (4.4/5) |
| SBI SimplyCLICK Credit Card | ₹499 | 10x reward points on partner merchants, 1 point per ₹100 | ★★★★☆ (4.3/5) |
| Axis Bank Neo Credit Card | ₹250 | 10% off on Myntra, BookMyShow, mobile recharges | ★★★★☆ (4.2/5) |
| American Express SmartEarn Credit Card | ₹495 | 10x points on Flipkart/Uber, 5x on Amazon/Swiggy | ★★★★☆ (4.4/5) |
| Cashback SBI Credit Card | ₹750 | 5% on online purchases, 1% on all others | ★★★★☆ (4.3/5) |
| HSBC Cashback Credit Card | None | 1.5% cashback for first 90 days, 1% thereafter | ★★★★☆ (4.2/5) |
Features and Benefits of Online Shopping Credit Cards
Cashback and Rewards:
- High Cashback Rates: These cards offer high cashback rates on online transactions, allowing you to save more with each purchase.
- Reward Points: Many online shopping credit cards provide reward points for every rupee spent, redeemable for vouchers, merchandise, or statement credits.
Exclusive Discounts and Offers:
- Partnered Discounts: Some cards provide exclusive discounts and offers on popular e-commerce platforms like Amazon, Flipkart, Myntra, and others.
- Seasonal Promotions: Cardholders may receive additional discounts or cashback during festive sales and special promotions in partnership with online retailers.
Low or No Annual Fees:
- Affordable Annual Fees: Many cards come with low or waived annual fees, making them cost-effective for regular users.
- Fee Waivers: Some cards offer fee waivers upon reaching a certain spending threshold, adding more value to your purchases.
Security Features:
- Enhanced Security: These cards come with advanced security features like two-factor authentication and zero liability protection against unauthorized transactions.
- Instant Alerts: Cardholders receive instant alerts for every transaction, ensuring a secure shopping experience.
EMI and Flexi Pay Options:
- Convert Purchases to EMI: Many cards allow you to convert high-value purchases into easy EMIs, making it easier to manage your expenses.
- No-Cost EMI: Some cards offer no-cost EMI options on partnered websites, allowing you to spread out payments without extra charges.
Popular Online Shopping Credit Cards in India
1. Amazon Pay ICICI Bank Credit Card
Features and Benefits:
- Cashback: Earn 5% cashback on Amazon purchases for Prime members and 3% for non-Prime members.
- Rewards: 2% cashback on 100+ partner merchants using Amazon Pay and 1% on all other spends.
- Additional Perks: No joining or annual fees, fuel surcharge waiver, and no-cost EMI options on Amazon.
Eligibility:
- Minimum annual income of ₹2.5 lakh.
Review and Rating:
- Review: The Amazon Pay ICICI Bank Credit Card is perfect for frequent Amazon shoppers, especially Prime members, who can enjoy substantial cashback on Amazon purchases. The no-cost EMI options and no annual fees make it a highly cost-effective card.
- Rating: ★★★★☆ (4.6/5)
2. Flipkart Axis Bank Credit Card
Features and Benefits:
- Cashback: 5% cashback on Flipkart and Myntra, 4% on preferred partners, and 1.5% on all other spends.
- Rewards: Unlimited cashback credited directly to the card account.
- Additional Perks: Complimentary airport lounge access, fuel surcharge waiver, and discounts on dining and travel.
Eligibility:
- Minimum annual income of ₹3 lakh.
Review and Rating:
- Review: The Flipkart Axis Bank Credit Card is ideal for those who frequently shop on Flipkart and Myntra, offering high cashback rates and additional perks like lounge access and fuel surcharge waivers. The direct cashback credit makes it easy to manage rewards.
- Rating: ★★★★☆ (4.5/5)
3. HDFC Millennia Credit Card
Features and Benefits:
- Cashback: 5% cashback on Amazon, Flipkart, flight, and hotel bookings through HDFC SmartBuy.
- Rewards: 1% cashback on all other spends.
- Additional Perks: Complimentary lounge access, fuel surcharge waiver, and easy EMI conversion on large purchases.
Eligibility:
- Minimum annual income of ₹4 lakh.
Review and Rating:
- Review: The HDFC Millennia Credit Card is an excellent choice for those who want to earn cashback on a variety of online platforms. The additional perks like lounge access and fuel surcharge waivers add significant value for regular travelers.
- Rating: ★★★★☆ (4.4/5)
4. SBI SimplyCLICK Credit Card
Features and Benefits:
- Rewards: 10x reward points on online spends with partner merchants like Amazon, BookMyShow, Cleartrip, and more.
- Cashback: 1 reward point per ₹100 spent on other transactions.
- Additional Perks: Annual fee reversal on reaching ₹1 lakh annual spend, fuel surcharge waiver, and exclusive offers on e-commerce platforms.
Eligibility:
- Minimum annual income of ₹2.5 lakh.
Review and Rating:
- Review: The SBI SimplyCLICK Credit Card is designed for those who love online shopping. With 10x reward points on major e-commerce platforms and a fee waiver option, it offers great value for money.
- Rating: ★★★★☆ (4.3/5)
5. Axis Bank Neo Credit Card
Features and Benefits:
- Rewards: 10% off on movie tickets booked via BookMyShow, 10% off on Myntra, and cashback on mobile recharges.
- Cashback: 1 reward point for every ₹200 spent.
- Additional Perks: Discounts on dining and shopping, fuel surcharge waiver, and annual fee waiver on spending ₹2,500 in the first 45 days.
Eligibility:
- Minimum annual income of ₹2 lakh.
Review and Rating:
- Review: The Axis Bank Neo Credit Card offers a range of benefits for online shoppers, especially for those who frequent platforms like BookMyShow and Myntra. The discount on dining and shopping adds extra value for everyday use.
- Rating: ★★★★☆ (4.2/5)
6. American Express SmartEarn Credit Card
Features and Benefits:
- Rewards: Earn 10x membership reward points on spends at Flipkart and Uber and 5x points on Amazon and Swiggy.
- Cashback: 1 membership reward point per ₹50 spent on all other transactions.
- Additional Perks: Fuel surcharge waiver, EMI conversion options, and exclusive offers on various partner brands.
Eligibility:
- Minimum annual income of ₹4.5 lakh.
Review and Rating:
- Review: The American Express SmartEarn Credit Card is ideal for those who frequently use e-commerce platforms like Flipkart and Amazon. The 10x reward points and fuel surcharge waiver make it a valuable choice for regular shoppers.
- Rating: ★★★★☆ (4.4/5)
7. Cashback SBI Credit Card
Features and Benefits:
- Cashback: 5% cashback on online purchases and 1% cashback on all other transactions.
- Rewards: Automatic cashback credit to the statement every month.
- Additional Perks: Annual fee waiver on spending ₹1 lakh annually, fuel surcharge waiver, and easy EMI conversion.
Eligibility:
- Minimum annual income of ₹3 lakh.
Review and Rating:
- Review: The Cashback SBI Credit Card offers a straightforward cashback system that benefits frequent online shoppers. The automatic cashback credit to the statement is convenient and user-friendly.
- Rating: ★★★★☆ (4.3/5)
8. HSBC Cashback Credit Card
Features and Benefits:
- Cashback: 1.5% cashback on all spends during the first 90 days and 1% cashback thereafter.
- Rewards: Unlimited cashback on all transactions, credited directly to your account.
- Additional Perks: No joining or annual fees, fuel surcharge waiver, and EMI conversion options.
Eligibility:
- Minimum annual income of ₹4 lakh.
Review and Rating:
- Review: The HSBC Cashback Credit Card is a solid choice for those looking for a straightforward cashback card with no annual fees. The unlimited cashback on all transactions makes it a flexible option for everyday use.
- Rating: ★★★★☆ (4.2/5)
FAQ
What is an online shopping credit card?
An online shopping credit card is designed to offer rewards, cashback, and discounts on purchases made through e-commerce platforms. These cards often provide enhanced benefits for online transactions compared to traditional credit cards.
How can I choose the best online shopping credit card?
To choose the best card, consider your spending habits and the platforms you frequently use. Look for cards that offer high cashback or reward points on these platforms, low or no annual fees, and additional perks like security features and EMI options.
Are there any fees associated with online shopping credit cards?
Some cards come with annual fees, while others do not. Many online shopping credit cards waive the annual fee if you reach a certain spending threshold, making them cost-effective for frequent shoppers.
Can I use these cards for in-store purchases?
Yes, online shopping credit cards can be used for in-store purchases as well. However, the best rewards and cashback rates are typically reserved for online transactions.
Do these cards offer any additional security for online transactions?
Yes, most online shopping credit cards come with enhanced security features like two-factor authentication, zero liability protection against unauthorized transactions, and instant transaction alerts to ensure a secure shopping experience.
Can I convert my online purchases into EMIs with these cards?
Yes, many online shopping credit cards offer the option to convert high-value purchases into easy EMIs, making it more manageable to pay for larger expenses over time.
