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7 Best Credit Card For Online Shopping in India [2021]- CCB

Best Credit Card For Online Shopping in India

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Do you love shopping online? Do you like to spend less and shop more? Well, everyone wants so. But how can you get maximum benefits with minimum spending? So, for that, we are here with this article in which we will guide you 7 Best Credit Cards for online shopping in India with their maximum features & benefits.

This article is specially designed for those who love to do frequent online shopping and it will help you in getting the best deal at a low price.

Top 7 Credit Cards for Online Shopping in India in 2021

Credit CardBest Pick forAnnual FeeInterest Free PeriodFinance charges/interest rate
American Express Smart Earn Credit CardRewardsRs. 49552 days3.5% per month
SBI Simply CLICK Credit CardOnline shopping rewardsRs. 49920-50 daysUp to 3.35% per month
HDFC Money Back Credit CardLow Annual FeeRs.50020-25 days3.6% per month
HSBC Cashback Credit CardCashbackRs.750Up to 45 days3.3% per month
Flipkart Axis Bank Credit CardCo-branded BenefitsRs.500 –3.40% per month
Standard Chartered DigiSmart Credit CardDirect Discount across BrandsRs.49 per month –3.49% per month
ICICI Amazon Pay Credit CardLifetime FreeNilUp to 40 days3.8% per month

Features of These Online Shopping Credit Cards

American Express Smart Earn Credit Card For Online Shopping

The American Express Smart Earn Credit Card is especially designed by American Express for earning rewards points on online transactions, card rides & online food payments. It is an ideal card for beginners with a basic annual fee.

Key highlights;

  • You will get one supplementary credit card with no additional cost.
  • You will earn Rs.500 cashback if you spend 10,000 in the first 90 days after joining.
  • You can also convert the purchase into EMI with lowest interest rate of 12% p.a.

Reward Points on Different categories

Reward PointsOffer Category
On every Rs.50 spent; you will earn 1 membership rewardFuel/insurance/utilities/cash transaction
On every Rs.50 spent; you will earn 10x membership rewardsFlipkart/Uber
On every Rs.50 spent; you will earn 5x membership rewardsAmazon/Swiggy/Bookmyshow

SBI Simply Click Credit Card

SBI Simply Click Credit Card is one of the popular cards which comes with basic features. It offers many extra benefits on online shopping.

Key highlights;

  • You will get a voucher of Rs.500 from Amazon as welcome gift.
  • You will also get 1% fuel surcharge waiver*

Must read: Best Credit Card for fuel

Reward Points on Different categories

Rewards PointsOffer Category
You will earn 5x rewardsOnline shopping
You will get 10x rewards with partnersAmazon Rent mojo, UrbanClap, Netmeds, Bookmyshow

HDFC Money Back Credit Card

HDFC Money Back Credit Card is the most appropriate card for shopping as it provides cashback in the form of rewards points after purchasing. You can use this rewards points for further shopping.

Key highlights;

  • You will get 500 reward point as a welcome gift
  • You can save up to Rs. 1,968 on annual spend of Rs. 4 lakhs

Rewards Points on Different categories

Reward PointsOffer Category
On every spent of Rs.150; you will earn 2x reward pointsOnline spends of any categories
On every spent of Rs. 150, you will earn 2 reward pointsRetail spends

HSBC Cashback Credit Card

HSBC Cashback Credit Card is one of the best cards for shopaholic enthusiasts.  It has many things to offers, for example, it offers unlimited cashback to its cardholders on different spending categories.

Key highlights;

  • It offers maximum value back for all your favourite purchases.
  • You can earn maximum cashback with minimum spending also.

Cashback on Different categories

CashbackOffer Category
1.5%Online spending
1%Other purchases

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card is the best for cashback lovers if you love shopping with Flipkart. You can get many benefits as well as cashbacks on different & selected brands.

Key highlights;

  • You will get 5% cashback on Flipkart, Myntra as well as 2GUD.
  • You can also convert transaction above Rs.2500 into easy EMI.

Welcome cashback on Different brands

Brand Welcome Cashback
FlipkartGet voucher of Rs. 500 on first transaction
GannaUnlimited Plus membership for 6 months
GoibiboProvide Rs.500 off on min. booking of Rs. 2000
MakeMy TripDiscount of Rs.500 on min. booking of Rs. 2000
Myntra15% on first transaction

Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card is one of the best credit cards for saving money on shopping. It provides many benefits that one can easily avail on online shopping.

Key highlights;

  • You can enjoy up to 20% off on fashion brands like Myntra
  • You can get up to 25% off on travels

% off on Different categories

% offCategory
20% on domestic flightYatra
10%Grofers
10%Zomato
15% cashbackOLA

ICICI Amazon Pay Credit Card

ICICI Amazon Pay Credit Card is especially designed for rewarding frequent shoppers at Amazon in the form of cashback, no EMI and many more.

Key highlights;

  • You can earn 1% cashback on other purchases.
  • You will also get 1% fuel surcharge fuel waiver at every fuel stations

Cashback on Different categories

CashbackOffer Category
5%Purchases made on Amazon.com
2%Flights bookings, recharges, bill payments

Online Shopping Credit Cards With Benefits and Eligibility Criteria

Credit CardsBenefitsEligibility Criteria
American Express Smart Earn Card Credit Card Freedom & convenience, fuel surcharge waiver, contactless payment Employee or running your own company from at least 12 months and must be above 18 years
SBI Simply Click Credit Card Flexipay, Easy Bill PAY, Add-on cards, balance transfer on EMISelf-employment (21-70 yrs.) & Salaried (21-55 yrs.)
HDFC Money Back Credit Card Fuel surcharge waiver, waiver of first year’s fee, reversal of renewal feeSalaried (Rs.13,500 p.m.) or self-employed (Rs. 22,500 p.m.)
HSBC Cashback Credit Card Contactless payment, lost card liability coverAge – 18-70 years and must be salaried
Flipkart Axis Bank Credit Card Complimentary airport lounge access, fuel surcharge waiver, dining discountsSalaried or self-employment with minimum salary 15,000
Standard Chartered DigiSmart Credit Card Kuch Bhi on EMI, Loan on Credit Card, Balance Transfer Facility, Contactless TransactionMin. salary 50,000 for salaried as well as self-employed applicants
ICICI Amazon Pay Credit Card Chip & Pin Facility, No cost EMIsSalaried or self employed with 15.001* p.m. income

Now, you have gone through all the best credit cards for Online shopping in India 2021. So, depending on your requirements choose the appropriate one and apply for it right now.