Best credit cards for online discounts in India

Credit cards for online shopping are in greater demand as more people opt to shop online instead of in brick-and-mortar stores. The majority of people buy everything online, including groceries and devices. It can be challenging to find the best credit card for online shopping. Here are the best credit cards for online shopping curated for you.

Credit cards for online shopping are essential if you prefer online shopping over in-store shopping. These cards offer extra benefits on online purchases such as cashback, rewards, or direct discounts. Some of these cards offer value-back across all categories and merchants, while others are co-branded with popular shopping platforms like Flipkart and Amazon.

You may find it difficult to decide which credit card is right for you with so many options available. You can save a considerable amount on your online shopping expenses by finding the best credit card for online shopping that's right for you. Listed below are the best credit cards for shopping in India to help you make the right decision.

1. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card is the first card in this list since Flipkart and Myntra are among the most popular online shopping platforms in India. Although the highest earnings on the card are limited to these two platforms, you will also earn generous cashback at some preferred merchants. It is one of the best cashback cards in India because it offers flat 1.5% cashback on all other purchases online and offline.

Key Features:

  1. Flipkart and Myntra cashback of 5%

  2. There is a 4% cashback offered on Cleartip, Tata Play,, Swiggy, PVR, and Uber

  3. The rest of the categories will earn you 1.5% cashback

  4. A welcome bonus of Rs. 1,100 from Flipkart, Myntra, and Swiggy

  5. Every year, you will receive four complimentary visits to domestic lounges

Should you get this card?

Those who regularly shop online, especially at Flipkart, Myntra, and other preferred merchants, should consider this credit card. You will only earn 1.5% cashback on all other purchases. Therefore, if you are looking for benefits only on Flipkart and Myntra for a low annual fee of Rs. 500, this could be a good option.

2. Amazon Pay ICICI Credit Card

The Amazon Pay ICICI Credit Card is another popular co-branded online shopping card. Members of Amazon Prime get the highest cashback of 5% on Amazon purchases, while non-prime members get only 3%. You should have this lifetime-free credit card if you make most of your Amazon purchases and want to get generous rewards.

Key Features:

  1. Prime members get 5% cashback on Amazon purchases

  2. Non-prime members get 3% cashback on Amazon purchases

  3. Earn 2% cashback on flight bookings, recharges, bill payments, gift cards, and Amazon Pay purchases

  4. On all other transactions, you'll receive 1% cashback

Should you get this card?

If you buy frequently on Amazon and are an Amazon Prime member, this entry-level card is best for you, since you can save a significant amount on shopping online. However, the card offers only 1% cashback for other online and offline transactions, which is quite low compared to other cards in this category.

3. Cashback SBI Card

Cashback SBI Card offers cashback benefits on all online transactions without any merchant restrictions, unlike the first two cards, which are co-branded with popular online shopping platforms. Additionally, 1% cashback will be offered for offline transactions and utility bill payments.

Key features:

  1. Cashback of 5% on online purchases without restrictions on merchants

  2. 1% cashback on offline purchases and utility bill payments

  3. Free access to four domestic airport lounges per year (1 per quarter)

  4. There will be a 1% fuel surcharge waiver across all petrol pumps in India, applicable to transactions between Rs. 500 and Rs. 3,000

Should you get this card?

This card's best feature is its high cashback rate for all online purchases without merchant restrictions. Because of this, it is suitable for those who prefer online shopping over offline purchases without limiting their earnings to a few brands. When the card is used wisely, its benefits will easily outweigh the fee, even though the annual fee is on the high side. A Renewal Fee of Rs. 999 + tax is applicable from 2nd year onwards.

4. HDFC Millennia Credit Card

It was designed specifically for millennials, as its name suggests. If you enjoy shopping online and want to earn reward points on your purchases, this is a good option for you. With this credit card, you can earn up to 5% Cash Points on your online transactions and 1% cashback on other purchases.

Key Features:

  1. Upon payment of the membership fee, you will receive 1,000 Cash Points

  2. Every quarter, you will receive an Rs. 1,000 gift voucher if you spend at least Rs. 1 lakh

  3. BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato are all offering 5% cashback

  4. All other purchases (except fuel) earn 1% cashback

  5. There are eight complimentary domestic lounge visits per calendar year (two per quarter)

Should you get this card?

You should consider HDFC Millennia Credit Card if you frequently shop online, especially on Flipkart, Amazon, Myntra, etc. This card does not offer direct cashback; instead, cardholders receive Cash Points, which can be redeemed for flights or hotels through the SmartBuy Portal or for direct statement credit in a 1:1 ratio. Travel bookings, however, will result in a lower conversion rate.

5. Standard Chartered DigiSmart Credit Card

A unique online shopping credit card offered by Standard Chartered, the DigiSmart Credit Card offers no reward points or cashback but direct discounts on select brands such as Ola, Myntra, Blinkit, INOX, Zomato, and Yatra. Moreover, instead of an annual fee, this credit card charges a monthly fee of Rs. 49, which is waived when you spend Rs. 5,000.

Key Features:

  1. Get 20% off on Myntra shopping

  2. With Blinkit, you can save 10% on groceries

  3. Discount of 10% on Zomato with a maximum discount of Rs.150

  4. Get BOGO movie tickets at INOX

  5. You can save up to 25% on travel bookings with Yatra

  6. 15% cashback* on Ola rides up to Rs.600

Should you get this card?

Several brands from travel, shopping, and other categories are eligible for a significant discount with the Standard Chartered DigiSmart Credit Card. Therefore, if you are loyal to any of the above-mentioned brands, then you should apply for this credit card. The card does not offer any benefits other than those related to select brands, so it may not be a good option if you want to get benefits for all kinds of online shopping.

6. Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card can be the right choice for Airtel customers. Cashback, discounts, and vouchers are available not only for transactions made via the Airtel Thanks App but also for other purchases. You can also get offers from BigBasket, Zomato, and Swiggy.

Key Features:

  1. Cashback of 25% on Airtel recharges and bills

  2. Utility bill cashback of 10%

  3. Enjoy up to 20% off at 4000+ partner restaurants in India

  4. Convert your transactions of Rs. 2,500 or more into easy EMIs

  5. Fuel surcharge waiver of 1% at all fuel stations across India on minimum transactions of Rs. 400

  6. There are four complimentary lounge accesses per calendar year with the Airtel Axis Bank Credit Card

Should you get this card?

If you prefer cashback over rewards and miles, this card is perfect for you. However, if you wish to apply for an Axis Bank card that offers cashback, you can also apply for the Axis Ace Credit Card, which offers 2% cashback on all spends.

7. HDFC Regalia Credit Card

Regalia was HDFC's top premium credit card for a considerable period. Regalia is still important because it is less expensive than other premium cards and offers almost all of the features of the bank's other cards. If you frequently fly, shop online, and eat out, this premium credit card is perfect for you.

Key Features:

  1. 4 reward points per Rs 150 on all retail spends

  2. 12 complimentary domestic airport lounge access

Should you get this card?

The HDFC Regalia Credit Card is one of the most popular premium credit cards on the market. The card offers several benefits, but it is primarily designed to help you save on travel and retail purchases. You can earn good reward points if you spend a lot via a credit card. Additionally, if you are a frequent traveller, you can take advantage of the benefits.

Final Thoughts

This was a list of some of the best credit cards for online shopping. Choosing a credit card is all about analyzing your spending habits and choosing one with the best cashback on the categories that you like most. To do so, you should calculate what percentage of your credit card bill each spending category represents. You can choose the best credit card with the help of this article.


No responses found. Be the first to comment...

  • Do not include your name, "with regards" etc in the comment. Write detailed comment, relevant to the topic.
  • No HTML formatting and links to other web sites are allowed.
  • This is a strictly moderated site. Absolutely no spam allowed.
  • Name: