GUIDESCREDIT CARDS
Best Credit Cards for Online Shopping in India (2025 Edition)
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LAST EDITED BY ANKANA GHOSHAL ON SEPTEMBER 2, 2025.
LAST EDITED BY ANKANA GHOSHAL ON SEPTEMBER 2, 2025.
GUIDES LAST EDITED BY ANKANA GHOSHAL ON SEPTEMBER 2, 2025.
Looking for the best credit cards for online shopping in India? In 2025, options are plenty, but a few stand out with better cashback, smarter rewards, and seamless in-app experiences. Whether you're a frequent shopper on Amazon, Flipkart, Myntra, Swiggy, or someone who loves tracking rewards on their money management apps, this guide lists the top 10 shopping credit cards in India and helps you pick the best for your spending style.
A shopping credit card is built to provide regular customers, particularly those who shop online frequently, with rewards like cashback, reward points, and/or discounts on popular platforms. These cards are designed for purchases on digital services, food delivery apps, fashion stores, and e-commerce websites.
Below are the top shopping credit cards you can get in 2025, evaluated based on fees, offers, and real-world value for online spenders:
Why choose the MagniFi Fi-Federal Credit Card?
Most of us shop on weekends; you’ve seen how malls are packed on Saturdays and Sundays compared to weekdays. That’s exactly what the MagniFi Fi-Federal Credit Card is built for. It gives you 5% back on shopping—both online and offline when you need it most: weekends.
And because weekends aren’t just about shopping, MagniFi also rewards you for eating out, catching a movie, or even booking that quick getaway. With exclusive offers and reward points focused on weekend fun, this card makes sure you save where it really matters.
Key Features:
Note: 100 Fi-Points = ₹25 in value. You earn while you spend.
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:
Joining Fee: ₹0
Annual Fee: ₹0 (lifetime free)
Best For: International online spends
Key Features:
| Credit Card | Best Use For | Key Perks |
| 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 Fi-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.
While the process of applying for a credit card varies from bank to bank, here are the industry-standard steps that most financial organisations follow:
Age: 21–60 years (salaried) / up to 65 years (self-employed)
Income: Minimum ₹15,000/month for basic cards; ₹35,000+ for premium cards
Credit Score: Preferably 700+
Residency: Indian resident with valid local address proof
Identity Proof: Aadhaar Card, Passport, Voter ID
Address Proof: Utility Bill, Aadhaar, Rent Agreement
Income Proof: Salary slip (last 3 months) / ITR for self-employed
PAN Card: Mandatory for all credit card applications
Many banks also accept e-KYC and DigiLocker documents for faster processing.
Your lifestyle, preferred platforms, and spending patterns will all play a role in selecting the best credit card for Indian online shoppers. Choose the Amazon Pay ICICI if you're a devoted Amazon customer. The Flipkart Axis will appeal to Flipkart fans. Do you prefer food delivery? It’s nice to have the Swiggy HDFC Card.
Additionally, if you live for the weekends–going out, ordering in, catching a film, or shopping online–the MagniFi Fi-Federal Credit Card is tailor-made for you. It’s the first credit card in India that rewards your weekend plans and charges nothing to own.
💡 Tip: Don’t just chase rewards. Check the annual fees, hidden conditions, and redemption limitations. The MagniFi Fi-Federal 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.
