Best Credit Card for Online Shopping in India

We all love to spoil ourselves a little by buying things we like, and why not? You work hard and deserve it. But who wouldn’t like some reward on top of that? With the rise of online shopping, people do not have to go out to buy things anymore. As a result, people have been buying things more often, and getting rewards on those purchases seems more than bliss.

But how are we supposed to get those rewards? Rewards on UPI have gotten useless over the years, and debit cards aren’t all that worth it. This is where a credit card comes into play. Credit cards not only let you spend money by borrowing it, but they also give you rewards every time you make a transaction with that card. But finding the best credit card for shopping can be a herculean task, which is why, in this article, we’ll dive deep into the best shopping credit card in India and help you make an informed choice.

Factors to Consider When Choosing a Shopping Credit Card

But first, we need to figure out what factors you should consider when choosing the best credit card for shopping, and there are a few to say the least.

• Understand your credit card needs: What is your spending style? Do you prefer cashbacks or reward points?   These are the questions you need to ask yourself. The answer to these questions is crucial when it comes to choosing the best credit card for shopping.
• Eligibility Criteria: Based on variables like your age, credit score, and income, every credit card has its own set of guidelines for who can receive it. Knowing this will enable you to determine which cards you are most likely to be accepted for. Before applying, it's advisable to review the particular criteria of the card to make sure you fit the profile and prevent a negative effect on your credit score from a denied application.
• Fees and Charges: Watch the extra charges associated with credit cards. It covers late charge costs, annual dues, and overseas transaction fees. Selecting a card with acceptable fees based on your usage will help you retain more money in your wallet.
• Partner Offers: Using a designated credit card at partner companies grants discounts, cashback, or other benefits from credit card partner offerings. These deals cover travel, food, shopping, and entertainment, among other things. Based on your needs, you need to pick which credit card suits you, as for shopping, think, which credit card is good for Myntra, Amazon, Flipkart?
• EMI: Equated Monthly Installments, or credit card EMIs, let cardholders split out large expenditures into more reasonable monthly payments. This alternative is very helpful for pricey things when quick payment would not be feasible, and functions like a loan but with credit card flexibility. Always look for a credit card with an EMI option for shopping.

These are some factors you need to consider when choosing the best credit card for online shopping in 2025. But based on these factors alone, it’s impossible to choose from the ocean of credit cards, even when every salesman out there is trying to get you to use their credit card. Which is why we have picked a few options, one of which might be the best credit card for shopping.

Top 5 Shopping Credit Cards in India (2025)

There are five credit cards that suit the criteria mentioned above the best. These are the best shopping credit cards in India and have rightfully earned a place in this list.

1. HDFC Millenia Credit Card.

• Earn five per cent back (as CashPoints) on Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, BookMyShow, Cult.fit, and more – plus one per cent on everything else online.
• For frequent heavy buyers, quarterly incentives: Spend ₹1 Lakh in any quarter to get ₹1,000 in gift cards or lounge-access vouchers.
• ₹1,000 annual charge (plus taxes), but if you spend ₹1 Lakh in a year, it is totally waived.
• Those qualified are Indian residents between the ages of 21 and 40 with a net income of ₹35K pm (or self-employed with ITR ≥ ₹6 L pa).

2. SBI SimplyClick Credit Card

• Earn five times points on all other online purchases and ten times on partner sites (Amazon, Myntra, Cleartrip, BookMyShow, Yatra, Dominos, Netmeds).
• Pay the ₹499 price and receive a ₹500 Amazon coupon—it almost immediately covers your cost.
• Hit ₹1 Lakh/₹2 Lakh in annual online expenditure and get ₹2,000 Cleartrip/Yatra vouchers each.
• Spending ₹1 lakh in a year totally reverses the annual fee of ₹499 (+ taxes).
• Apply with your proof of income; Indian residents 21+ (salaried or self-employed) satisfying SBI's income requirements are eligible.

3. ICICI Amazon Pay Credit Card

• Absolutely no annual or joining price; use it as much as you like without paying any maintenance fees.
• With no expiry, every ₹1 spent = 1 Reward Point (₹1 Amazon Pay Balance), redeem immediately on over 10 crore products on Amazon. in or at 100+ Amazon Pay Partner retailers.
• Right at checkout on Amazon. in. Easily translate large purchases into a 3 or 6-month no-cost EMIS.
• Let each time you fill up help you save by getting 1% back on fuel fee (₹500–₹3,000).
• Points automatically credit your Amazon Pay wallet; there is no point-tracking burden, and you can start using it instantly.

4. Flipkart Axis Bank Credit card

• Get unlimited 5% cashback on Flipkart & Cleartrip, 4% on Preferred Merchants (including BigBasket, PVR, etc.), and 1% on all other purchases—all credited straight to your statement.
• Activate your card and get ₹500 Flipkart coupons on your first Flipkart purchase and 50% off (up to ₹100) on your first Swiggy buy.
• Waived if you spend ₹3.5 Lakh in a year; 500 joining charge and 500 renewal cost, plus taxes. Add-on cards or replacements are free from fees.
• Spend ₹50K in three months, enjoy four free domestic airport lounge visits, a 1% fuel surcharge waiver, EasyDiner eating savings, and no-cost E MI conversions on Flipkart orders over ₹1,500.
• Indian citizens aged 18 to 70 with address proof (PAN, utility bill) and income documentation (salary slip/ITR). Regular expenditure by smart consumers will maximise their benefits!

5. Kotak Mahindra Credit Card

• Every time you shop on Myntra's app or website, you automatically get a 7.5% discount (up to ₹750).
• Earn 5% back (max ₹1,000 per month) on a few chosen stores—think big brands and lifestyle partners.
• Unlimited 1.25% on any other online and offline purchases (excluding EMI conversions, rent, gas, wallets, or E-cigarettes).
• When you activate and spend ₹500+ in 30 days, plus two free PVR tickets (₹250 each) every quarter when you spend ₹50K, you get a ₹500 Myntra coupon.
• Plus a 1% fuel surcharge waiver (on ₹500–₹3,000 spends, up to ₹3,500 annual); totally waived if you spend ₹2 Lakh in a year. Plus taxes.

So, which one of these cards is the best credit card for shopping in India? Hard to tell, here’s a side-by-side comparison so you can make a better choice:

Which Credit Card is Better: HDFC, SBI, or ICICI?

Think about your buying patterns, charge tolerance, and partner allegiance when deciding between HDFC Millennia, SBI SimplyCLICK, and the ICICI Amazon Pay Credit Card.

Though its ₹1,000 annual fee (waived at ₹1,000+) suits only high-volume users, HDFC Millennia rewards heavy online spenders with 5% cashback on major e-commerce sites, 1% everywhere else, quarterly milestones (₹1 L spend = ₹1,000 vouchers or lounge access), a fuel surcharge waiver, and Smart EMI.

Beginning with 10X points on partners, 5x on other online, 1x offline, a ₹499 fee offset by a ₹500 Amazon voucher, SBI SimplyCLICK is perfect for novices. Fee waiver at ₹1 L annual spend.

For Amazon loyalists—no fees ever, 5% back for Prime (3% non-Prime), 1% elsewhere, plus no-cost EMIS—ICICI Amazon Pay is ideal.

Conclusion

If you are looking for the best credit card for shopping and are a high-volume, multi-platform buyer, consider HDFC Millennia or SBI. If you live on Amazon and never want to pay an annual fee, the ICICI Amazon Pay Card is for you; if you are starting off and want quick points. Thank you for rewarding and happy shopping.