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 Card | Best Pick for | Annual Fee | Interest Free Period | Finance charges/interest rate |
| American Express Smart Earn Credit Card | Rewards | Rs. 495 | 52 days | 3.5% per month |
| SBI Simply CLICK Credit Card | Online shopping rewards | Rs. 499 | 20-50 days | Up to 3.35% per month |
| HDFC Money Back Credit Card | Low Annual Fee | Rs.500 | 20-25 days | 3.6% per month |
| HSBC Cashback Credit Card | Cashback | Rs.750 | Up to 45 days | 3.3% per month |
| Flipkart Axis Bank Credit Card | Co-branded Benefits | Rs.500 | – | 3.40% per month |
| Standard Chartered DigiSmart Credit Card | Direct Discount across Brands | Rs.49 per month | – | 3.49% per month |
| ICICI Amazon Pay Credit Card | Lifetime Free | Nil | Up to 40 days | 3.8% 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 Points | Offer Category |
| On every Rs.50 spent; you will earn 1 membership reward | Fuel/insurance/utilities/cash transaction |
| On every Rs.50 spent; you will earn 10x membership rewards | Flipkart/Uber |
| On every Rs.50 spent; you will earn 5x membership rewards | Amazon/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 Points | Offer Category |
| You will earn 5x rewards | Online shopping |
| You will get 10x rewards with partners | Amazon 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 Points | Offer Category |
| On every spent of Rs.150; you will earn 2x reward points | Online spends of any categories |
| On every spent of Rs. 150, you will earn 2 reward points | Retail 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
| Cashback | Offer 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 |
| Flipkart | Get voucher of Rs. 500 on first transaction |
| Ganna | Unlimited Plus membership for 6 months |
| Goibibo | Provide Rs.500 off on min. booking of Rs. 2000 |
| MakeMy Trip | Discount of Rs.500 on min. booking of Rs. 2000 |
| Myntra | 15% 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
| % off | Category |
| 20% on domestic flight | Yatra |
| 10% | Grofers |
| 10% | Zomato |
| 15% cashback | OLA |
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
| Cashback | Offer Category |
| 5% | Purchases made on Amazon.com |
| 2% | Flights bookings, recharges, bill payments |
Online Shopping Credit Cards With Benefits and Eligibility Criteria
| Credit Cards | Benefits | Eligibility 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 EMI | Self-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 fee | Salaried (Rs.13,500 p.m.) or self-employed (Rs. 22,500 p.m.) |
| HSBC Cashback Credit Card | Contactless payment, lost card liability cover | Age – 18-70 years and must be salaried |
| Flipkart Axis Bank Credit Card | Complimentary airport lounge access, fuel surcharge waiver, dining discounts | Salaried 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 Transaction | Min. salary 50,000 for salaried as well as self-employed applicants |
| ICICI Amazon Pay Credit Card | Chip & Pin Facility, No cost EMIs | Salaried 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.
