Best Credit Cards for Online Shopping for 2023

1. Cashback SBI Card

Cashback SBI Card is one of the best cashback credit cards available in the market. This credit card offers unlimited cashback on your online as well as offline transactions. You can earn 5% cashback on all online spends and 1% cashback on other spends. One of the features that make this credit card different is that it comes with no merchant restriction, which makes it suitable for online shopping. Also, this card offers highest cashback among other cashback credit cards on online transactions.

Also Read: Which is the Best Cashback Credit Card in India?

This can be a great addition to your wallet if you frequently make online purchases that are not limited to select brands. Cashback SBI Card can be a great challenger to cards like Axis ACE or Flipkart Axis, as they also offer great value back but come with merchant restrictions. This credit card has no merchant restrictions that allow you to earn 5% cashback on online transactions irrespective of the brand. However, the only drawback this card has is that it does not offer decent benefits on utility payments and fuel transactions. But, even with this restriction, it offers great value back on your transactions. Overall, this is a decent credit card that is best suited for online shopping and also offers benefits on other categories.

Key Features of Cashback SBI Card

• 5% cashback on all online spends with no merchant restrictions
• 1% flat cashback on all offline transactions, including utility bill payment
• 4 complimentary domestic airport lounge visits in a year, capped at 1 visit per quarter
• 1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions between Rs. 500 to Rs. 3,000
• Annual fee waiver on spending Rs. 2 lakh in the preceding year

Read Our Review: Cashback SBI Card Review

2. Flipkart Axis Bank Credit Card

Axis Bank’s Flipkart credit card is best suited for cashback, especially for individuals who are Flipkart loyalists. This is also one of the best cashback credit cards in India offering 1.5% flat cashback on all your spends which is the second-highest flat cashback rate in the market after Axis Bank ACE Card which offers 2% cashback. You will get up to 5% cashback on Flipkart & Myntra and 4% on Flipkart’s partner merchants like Cure.fit, Swiggy, PVR and Uber. Despite being an entry-level card, the set of benefits on this card surpass its annual fee by a wide margin.

The best part of it is that the array of partner merchants of Flipkart is quite sensible and lets you save on fashion (Myntra), travel (Uber), fitness(Cure.fit), movies (PVR) and shopping(Flipkart). So, for someone looking for benefits across varied categories, Flipkart Axis Card should be one of the top choices. While the high cashback rate is limited to these websites, 1.5% flat cashback on all other expenses still makes a reasonable balance.

Key Features of Flipkart Axis Bank Credit Card

• 5% cashback on Flipkart and Myntra
• 4% cashback on Cure.fit, Swiggy, PVR and Uber
• 1.5% cashback on other categories
• Rs. 2,900 worth of joining and activation benefits from Flipkart, Myntra and Swiggy
• 4 complimentary domestic lounge visits every year
• Up to 20% discount at 4,000+ partner restaurants including KFC, TGIF, Berco’s, etc.
• 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000

Read Our Review: Flipkart Axis Bank Credit Card Review

3. Amazon Pay ICICI Credit Card

If you’re planning to get this card, you should also buy Amazon Prime membership as Prime members get 2% higher cashback on Amazon purchases. Also, you earn a cashback of 2% at 100+ Amazon Pay partner merchants when you use Amazon Pay as your payment method. All other transactions give you 1% cashback.

Amazon Pay ICICI Card is certainly one of the best online shopping credit cards in India. This is because Amazon itself is one of the most popular platforms and deals in wide-ranging items from furniture and electronics to stationery and groceries. Whatever you need, you can find everything on Amazon and if you use this credit card, you will get generously rewarded. The cashback rate on Amazon Card, however, stands low at 1% as compared to Flipkart Axis Bank Credit Card. It is true that the card makes more sense if you use Amazon for most of your online shopping needs but being lifetime free, having it in your wallet does not harm.

Key Features of Amazon Pay ICICI Credit Card

• Lifetime Free Credit Card
• 5% cashback for PRIME Customers when they shop at Amazon
• 3% cashback for Non-PRIME Members for Amazon Spends
• 2% cashback on 100+ partner merchants of Amazon
• 1% cashback on all other transactions
• 15% discount at partner restaurants of ICICI Bank
• 1% fuel surcharge waiver across all petrol pump

Read Our Review: Amazon Pay ICICI Bank Credit Card Review

Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Bank Credit Card- Which is better? Read a detailed comparison between these credit cards here.

4. HSBC Cashback Credit Card

HSBC Cashback Credit Card offers unlimited cashback on all your purchases. The card lets you earn cashback without worrying about reaching a minimum spending level which makes it one of the best cashback credit cards in India. 

The card lets you earn 1.5% cashback on all your online spends and 1% cashback on all other purchases. Furthermore, you get a sign-up bonus worth approximately Rs. 2,250—comprising Rs. 2,000 clear trip voucher for domestic flights and an Rs. 250 Swiggy food delivery voucher. The card also offers a 20% discount on Swiggy and 5% off of Amazon purchases.  The bigger spending you make, the more cashback you will get. This card is best suited for someone who prefers a simple cashback model over a reward points model and does not want to limit the spending to a particular platform like Amazon or Flipkart.

Key Features of HSBC Cashback Credit Card

• 5% discount on Amazon spends of Rs. 1,000 or above
• 1.5% cashback on all online spend (excluding the transfer of funds to online wallets) and 1% on all other spends*
•  Rs. 500 Amazon Voucher on making spending Rs. 500 or more at a time within 30 days of card activation
• No maximum cap on cashback
•  Up to 15% discount when dining at partner restaurants in major cities

Read Our Review: HSBC Cashback Credit Card Review

5. HDFC Millennia Credit Card

HDFC Millennia Credit Card is specially designed to cater to the needs of millennials who love to shop online and would like to get rewarded for their spends. The card offers up to 5% cashback for online transactions and 1% cashback on all offline spends. It comes with an annual fee of Rs. 1,000 which might be a bit tight on your pocket. However, when compared with the exclusive benefits that it offers, the fee is justified if you are a person who regularly shops online.

The card is best suited for people who are loyal customers of Flipkart and Amazon. But since other online spends also give you 2.5% cashback, it is not such a bad choice if you would like to extend your shopping horizon beyond Amazon and Flipkart. However, to get the cashback benefit on any of these categories, you would have to meet the minimum transaction limit, which is quite a disappointment. Cards with a lower fee like Axis ACE and Axis Flipkart offer direct unlimited cashback without any minimum spend condition. Hence, you should get HDFC Millennia only if you are sure of spending big as only then will you be able to make the most of it.

Key Features of HDFC Millennia Credit Card

• 1,000 Cash Points (Reward Points) on payment of the membership fee
• Rs. 1,000 gift voucher on spending at least Rs. 1 lakh in each calendar quarter
• 5% Cashback on Shopping via Amazon and Flipkart, Flight & Hotel bookings on shopping via  SmartBuy
• 2.5% cashback on all online purchases
• 1% cashback on all offline spends and Wallet reloads
•  8 complimentary domestic lounge access per calendar year (2 in a quarter)

Read Our Review: HDFC Bank Millennia Credit Card Review

6. Axis Bank ACE Credit Card

Axis Bank ACE Credit Card is one of the best cashback credit cards in India. It offers the highest cashback of 2% across all transactions along with up to 5% cashback on bill payments, DTH, and mobile recharges via Google Pay and 4% on Swiggy, Zomato & Ola. The card is available at an annual fee of Rs. 499 and is ideal for people looking for simple benefits and high cashback rates. 

However, if you are loyal to a particular brand like Amazon, Flipkart or Paytm, getting their co-branded credit cards would be advisable. For example, Amazon Pay ICICI credit card offers 5% cashback on all purchases on Amazon to PRIME customers and 3% to non-prime customers. Similarly, Flipkart Axis Bank Credit Card gives 5% cashback on Flipkart, Myntra and 2GUD along with 4% cashback at select partners such as MakeMyTrip, Goibibo and Uber. In a nutshell, if you are looking for a credit card with low fee and better non-travel rewards, this card might be the right choice for you.

Key Features of Axis ACE Credit Card

• 5% cashback on every bill payment, DTH recharge, and mobile recharge initiated via Google Pay
• 4% cashback on Swiggy, Ola, and Zomato
• 2% cashback on all other spends
• No upper limit or maximum cashback earned
• 4 complimentary domestic lounge visits in a year
• Up to 20% off at 4,000+ participating restaurants 
• 1% fuel surcharge waiver across all fuel stations 

7. SBI SimplyCLICK Credit Card

SBI SimplyCLICK Card is one of the most used credit cards in the market because of easy eligibility and low annual fee. The card offers 10X reward points on online shopping with exclusive partners such as BookMyShow, Cleartrip, Netmeds, UrbanClap, etc. Additionally, the card offers great milestone benefits via e-vouchers from leading brands, thus, offering more than the fee charged.

Key Features of SBI SimplyCLICK Credit Card

• Gift Voucher worth Rs. 500 from Amazon as a welcome gift
• 10 reward points per Rs. 100 on online purchases made on BookMyShow, Cleartrip, Netmeds
  
• 5 rewards per Rs. 100 on other online spends
• 1 reward point per Rs. 100 spent on other categories
• Cleartrip e-voucher worth Rs. 2,000 on reaching spend milestones of Rs. 1 Lakh and Rs. 2 Lakh
• 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000

Read Our Review: SBI SimplyCLICK Credit Card Review

8. HDFC MoneyBack+ Credit Card

Available at an annual fee of Rs. 500, the benefits offered on this card are great. It is one of the most popular cards among first-time users. You can get up to 10X reward points on shopping at select brands like Amazon, Flipkart, Swiggy, BigBasket & more which is a great feature if you frequently shop at these brands. Besides this, you can also earn 5X reward points on your EMI spends at select merchants and 2 reward points for every Rs. 150 spent on other categories. These reward points can be redeemed against cashback at the conversion rate of 1 CashPoint = Re. 0.25. 

Though HDFC MoneyBack+ is a good entry-level credit card, it does not offer exclusive benefits on the travel category like complimentary lounge access which is generally offered by most of the credit cards. If you are someone who frequently travel and are looking for an option to save on your travel expenses, then this might not be the right choice. This can be an ideal choice if you want to avail an entry-level credit card that offers decent benefits on online shopping along with satisfactory rewards on other categories.

Key Features of HDFC MoneyBack+ Credit Card

• 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
• 5X CashPoints on EMI spend at merchant locations
• 2 CashPoints per Rs. 150 spent on other categories (except fuel, wallet reload, prepaid card loads, voucher purchases)
• Activation benefit of 500 CashPoints wherein, 1 CashPoint = Re. 0.25
• 1% fuel surcharge waiver on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5,000

Read Our Review: HDFC MoneyBack+ Credit Card Review

9. Axis Bank Buzz Credit Card

Axis Bank Buzz Credit Card is an entry-level card that is best suitable for people who frequently shop online at Flipkart. With this credit card, you can avail Flipkart vouchers worth Rs. 7,000 in a year along with a discount on your transactions. Additionally, this credit card also provides higher reward points on online shopping.

Apart from Flipkart, the other benefits provided by this credit card are quite average. You can make the most of this credit card only if you frequently shop at Flipkart and keep track of the dates on which you will get the best deals. Axis Buzz could be a good option for someone looking to build credit and get some benefits on online shopping at the same time. As compared to other co-branded credit cards, such as Amazon Pay ICICI and Flipkart Axis, this credit card does not have much to offer.

Key Features of Axis Bank Buzz Credit Card

• Flipkart gift voucher worth Rs. 1,000 as a welcome benefit on making 3 purchases within first 45 days
• 10% instant discount on Flipkart from 1-5th every month
• 5% instant discount on Flipkart from 6-31st every month
• 2 Axis EDGE reward points on every Rs. 200 spent
• 3X Axis EDGE reward points on online shopping
• Minimum 15% off on partner restaurants in India
• Flipkart gift vouchers worth up to Rs. 7,000 on achieving annual spending milestone

Read Our Review: Axis Bank Buzz Credit Card Review

10. Axis Bank NEO Credit Card

 Axis Neo credit card is best suited for people who love to shop online and enjoy the other entertainment benefits with it. The welcome benefits with Axis Neo are quite impressive. The card gives vouchers for online shopping and movies too. 

The card is the best option offered for individuals who prefer to shop on Myntra. The card offers a scheme called the “power of 10”, in which cardholders receive a 10% discount on Myntra, BookMyShow movie tickets, and Grofers (now Blinkit) groceries. Besides, you can also get 40% off on Zomato food delivery and 5% off on utility bill payments via Paytm. However, the card has a below-average rewards program i.e. of 1 EDGE point per Rs. 200 spent on all spending categories. This is a decent card for discounts in certain categories or retailers, especially Myntra. But, it may not be favourable for you if you do not preferably shop from the specified merchants and if you want to earn decent rewards.

Key Features of Axis Neo Credit Card

• Amazon gift voucher worth Rs.250 on your first transaction and a welcome gift voucher from BookMyShow worth Rs.300
• 10% off on every purchase of a movie ticket on BookMyShow. Maximum monthly benefits up to Rs.100
• Get 10% off every time on shopping with Myntra. A minimum value of Rs.500 required
• 40% off on Zomato on food delivery, 5% off on utility bill payments via Paytm, 10% off on Grofers (now Blinkit) on Groceries
• 1 reward points on every Rs.200 spent 

Read Our Review: Axis Bank NEO Credit Card Review

There are certain points that you should consider when you apply for online shopping credit cards. Some of these points are mentioned as follows:

Cashback on your Purchase

There is a favorite brand or a favorite online shopping platform for each and every person from where he/she likes to shop too often. If you shop at an e-commerce portal a lot or prefer a brand over others in a particular category, you should definitely go for a credit card that provides maximum benefits where you shop the most.

Discount at Partner Brands

There is a favourite brand or a favourite online shopping platform for each and every person from where he/she likes to shop too often. If you shop at an e-commerce portal a lot or prefer a brand over others in a particular category, you should definitely go for a credit card that provides maximum benefits where you shop the most.

Check the Best Co-branded Credit Cards

Milestone Gift Vouchers

Many card providers provide gift vouchers on reaching a definite milestone. If you spend much, you can aim for these vouchers and get a chance to buy products using these vouchers.

Bonus Points on Online Purchases

In order to promote online shopping, many card providers offer bonus points on online purchases. You can earn up to 10X reward points which can be redeemed for gifts, vouchers, recharges, statement credits, etc.

Suggested Read: Top Shopping Credit Cards in India

Additional Rewards and Benefits

Many credit card companies provide additional rewards and benefits on some portals. If you shop at these portals, you get additional discounts. For example, you get an additional discount on BookMyShow when you spend a specific amount every month.

Also Read: Which Card gives Best Rewards in India?

With such offers and benefits on each credit card, it can get tough while choosing the best credit card for online shopping in 2023. You should, therefore, analyse your spends and choose the card that suits your needs the best. You can conveniently compare and apply for credit cards at Paisabazaar to find the right card for you.