GUIDESCREDIT CARDS
Best Credit Cards for Online Shopping in India
5 MIN • 
LAST EDITED BY ANKANA GHOSHAL ON DECEMBER 18, 2025.
LAST EDITED BY ANKANA GHOSHAL ON DECEMBER 18, 2025.
GUIDES LAST EDITED BY ANKANA GHOSHAL ON DECEMBER 18, 2025.
Looking for the best credit cards for online shopping in India? In 2025, online shopping in India is packed with deals, but the real savings come from using the right credit card.
The best shopping credit cards don’t just offer flashy offers; they give you consistent cashback, stronger reward rates, instant discounts on Amazon/Flipkart/Myntra, and extra value on food and quick-commerce apps like Swiggy and Zomato.
If you’re wondering which credit card is best for online shopping in India, this guide breaks down the top 10 credit cards for online shopping in India and helps you choose the one that fits your spending style.
A shopping credit card is designed to help you earn more value on your everyday spends, especially when you shop online. It typically offers benefits like cashback, reward points, and instant discounts on popular platforms and categories.
These cards are most rewarding for spends across e-commerce sites, fashion and lifestyle brands, food delivery apps, and other digital services, making them a great fit for frequent online shoppers who want savings on every checkout.
Earn higher cashback/reward points on purchases across e-commerce, food delivery, fashion, travel, and digital subscriptions.
Unlock extra rewards or instant discounts through tie-ups with Amazon, Flipkart, Myntra, Swiggy, Zomato, and more often better than generic card offers.
Get access to limited-time bank offers, additional coupon-style savings, and higher reward rates during events like Big Billion Days and Great Indian Festival.
Convert large purchases into EMIs easily, many cards also support no-cost EMI or low-interest plans on eligible merchants.
Hit monthly/annual spend targets and earn bonus points, extra cashback, or fee waivers, useful if you shop frequently.
Many cards offer joining bonuses, vouchers, or reward points that can offset the annual fee quickly.
Depending on the card, you may also get movie offers, dining deals, lounge access, and brand memberships, adding value outside checkout.
Features like fraud monitoring, OTP/transaction controls, card lock/unlock, and virtual card options make online shopping safer and easier to manage.
Here are the best shopping credit cards to consider in 2025, picked for their fees, rewards, partner offers, and real-world savings for frequent online shoppers.
MagniFi is regarded as the best lifetime free credit card for Weekend Spenders
Why choose the MagniFi Co-branded Credit Card?
If most of your shopping (and spending) happens on weekends, this card is built for you. The MagniFi C-branded Credit Card gives you 5% back on eligible weekend spends, online and offline, so you earn more when you’re most likely to swipe.
And weekends aren’t just about shopping. Whether it’s ordering in, watching a movie, or booking a quick getaway, MagniFi helps you save with weekend-focused rewards and partner offers, making your fun spends more rewarding.
Key Features
Fi-Points Redemption Options
Note: 100 Fi-Points = ₹25 value, so every swipe earns you rewards you can actually use.
Ideal For
Joining Fee: ₹0
Annual Fee: ₹0 (lifetime free)
Best For
No-fee card with decent rewards
Key Features
Joining Fee: ₹999
Annual Fee: ₹999
Best For
Flat cashback on all spends
Key Features
Joining Fee: ₹1,000
Annual Fee: ₹1,000 (waived on ₹1L annual spend)
Best For
Millennials using Swiggy, Amazon, Flipkart
Key Features
Joining Fee: ₹500
Annual Fee: ₹500
Best For
Food delivery & dining rewards
Key Features
Joining Fee: ₹500
Annual Fee: ₹500
Best For
Credit card beginners & low-spend users
Key Features
Joining Fee: ₹0
Annual Fee: ₹0
Best For
Amazon Prime users
Key Features
Joining Fee: ₹500
Annual Fee: ₹500
Best For
Flipkart, Myntra, and Swiggy shoppers
Key Features
Joining Fee: ₹0 (limited-time offer)
Annual Fee: ₹499 (waived on ₹50K annual spend)
Best For
Groceries and lifestyle shopping
Key Features
Joining Fee: ₹499
Annual Fee: ₹499
Best For
Frequent online buyers
Key Features
Credit Card | Best Use For | Key Benefits |
| Cashback SBI Card | Flat cashback on online shopping | 5% on online spends, auto credit to statement |
| YES Bank Paisabazaar PaisaSave Card | No-fee card with cashback | 2.5% cashback, fuel surcharge waiver |
| MagniFi Co-branded Federal Credit Card | Best Card for Weekend spends | 5% back on weekend spends + 20% off on top brands |
| HDFC Millennia Credit Card | Top brand spenders | 5% cashback on Swiggy, Amazon, Flipkart, 4 free lounges |
| Swiggy HDFC Credit Card | Foodies & Swiggy lovers | 10% Swiggy cashback, free Swiggy One |
| HDFC Moneyback+ Credit Card | First-time users | 10X points on Amazon, Flipkart, low fee |
| Amazon Pay ICICI Bank Credit Card | Amazon Prime members | 5% cashback, no fee, auto credit to Amazon Pay |
| Flipkart Axis Bank Credit Card | Flipkart & Swiggy fans | 5% cashback, lounge access, wide partner network |
| HSBC Live+ Credit Card | Lifestyle & grocery spends | 5% cashback on groceries and clothing |
| SBI SimplyCLICK Credit Card | Rewards & welcome offers | 10X rewards on e-partners, ₹500 Amazon voucher |
| HSBC Visa Platinum Card | Global online spends | 3X rewards, lifetime free, EMI & global coverage |
Not all shopping cards are created equal. Here are the major types:
It’s ideal for users who prefer instant savings. Cashback is either credited to your card or bank statement.
You earn points on each spend, which can later be redeemed for vouchers, merchandise, or discounts.
These cards are issued in partnership with platforms like Amazon, Flipkart, or Swiggy and offer accelerated benefits on those platforms.
Perfect for Credit Card beginners. They offer moderate rewards without annual charges.
The best credit card for online shopping in India isn’t the one with the biggest headline offer, it’s the one that matches where you spend the most. If most of your carts are on Amazon, Amazon Pay ICICI is the obvious pick.
If you’re a Flipkart regular, Flipkart Axis can return more value over the year. And if food delivery is a weekly habit, the Swiggy HDFC Card is built to reward those everyday orders.
But if your spending peaks on weekends, shopping online, going out, ordering in, catching a movie, or planning quick getaways, the MagniFi Co-branded Credit Card stands out. It’s designed around weekend life, offers meaningful rewards on weekend spends, and stays lifetime free, so you don’t have to “recover” an annual fee before you start winning.
Pick the card that fits your routine, not just your wishlist and apply for the one that will pay you back every month.
💡 Tip: Don’t just chase rewards. Check the annual fees, hidden conditions, and redemption limitations. The MagniFi Co-branded Credit Card, for example, doesn’t just save money; it fits your weekend lifestyle.
Depending on the credit card, you can exchange your reward points for a number of different items. These can include movie tickets, gift cards, air miles, rewards catalogue purchases, card bill discounts, or even contributions to authorised charities.
Bonus points known as "accelerated reward points" are earned when you make certain purchases, such as groceries, trip reservations, or internet shopping. These differ from card to card and are typically greater than the standard points.
Large-value purchases are high-ticket items or services that cost several thousand or lakhs of rupees. Think jewellery, international holidays, electronics, appliances, or premium gadgets.
You can choose to save money or take advantage of benefits with reward points. They can be exchanged for gift cards, travel, shopping, or even air miles. Some banks also allow you to use them to settle your credit card debt. You can use your mobile app or net banking to redeem them online.
By signing into your bank's mobile banking app or net banking, you can use your reward points. Depending on your card, you can use points to book flights using air miles, shop from a rewards catalogue, or have certain items delivered to your home.
A third-party payment processor is a service that handles online payments for businesses. It securely transfers money from the buyer’s account to the seller’s account, making digital transactions smooth, seamless, and safe.
Yes, it’s safe, as long as you’re doing the transaction via a secure website. Look for “https://” in the web address, where the “s” stands for secure. Avoid using cards on sites that only start with “http://”.
Both have their own pros and cons. A debit card pulls money directly from your bank account, while a credit card gives you access to a line of credit. Credit cards often offer better fraud protection, rewards, and purchase benefits.
Yes, you can. There's no limit to how many websites you can use your card on. Just make sure your credit limit isn’t exceeded and the transactions are secure.
