In today’s world, online shopping has become a common part of our daily lives. In India, there are several excellent credit cards available for online shopping that offer higher Cashback and Rewards on specific websites. Let’s explore some of the top Credit Cards for online shopping that can make your online shopping even more rewarding.
1. Amazon Pay ICICI Bank Credit Card
Fees & Charges
- Joining/Renewal Fee: Lifetime Free
- Cash Withdrawal: 3.75% Per Month
Key Features/Benefits
- Unlimited reward points upto 5% on Amazon spends (5% for Prime members, 3% for Non-Prime members, 2% for 100+ partner merchants).
- Unlimited reward points of 1% on outside Amazon spend*.
- Lower Forex markup at 1.99% on international spends.
- 1% Fuel Surcharge waiver on fuel spends.
- Best for those who shop frequently on Amazon.
2. Flipkart Axis Bank Credit Card
Fees & Charges
- Joining Fee: ₹500 + taxes
- Annual/Renewal Fee: ₹500 + taxes (Waived off if you spend more than 3.5 Lac)
- Finance Charges: 3.75% per month
- Cash Withdrawal: 2.5% (min ₹500) of the cash amount.
Key Features/Benefits
- Welcome benefits worth ₹350.
- 7.5% cashback on Myntra spends, capped at ₹4000 per statement quarter.
- 5.0% cashback on Flipkart and Cleartrip spends, capped at 4000 per statement quarter.
- Unlimited upto 4% cashback on preferred merchants.
- 1% Fuel Surcharge waiver on fuel spends maximum ₹400 per statement cycle (valid on transactions between ₹400 to ₹4000).
- Best for those who shop frequently on Flipkart and Myntra.
3. Cashback SBI Credit Card
Fees & Charges
- Joining Fee: ₹999 + taxes
- Annual/Renewal Fee: ₹999 + taxes, waived if you spend more than ₹2 Lac in last year.
- Finance Charges: 3.75% per month
Key Features/Benefits
- 5% cashback on online spends without any merchant restrictions.
- 1% cashback on offline spends.
- Maximum cashback of ₹5000 per statement cycle.
- 1% Fuel Surcharge waiver on fuel spends maximum ₹100 per statement cycle (valid on transactions between ₹500-₹3000).
4. HDFC Millennia Credit Card
Fees & Charges
- Joining Fee: ₹1000 + taxes
- Annual/Renewal Fee: ₹1000 + taxes, waived if you spend more than ₹1 Lac in last year.
- Finance Charges: 3.75% per month
Key Features/Benefits
- 5% cashback on Amazon, Flipkart, Myntra,Tata Cliq, Swiggy, Zomato, Uber, Bookmyshow, Sony Liv and Cult.fit ; max 1000 cashback points.
- 1% cashback on other spends; max 1000 cashback points.
- Upto 10% cashback across 200+ brands via Smartbuy/PayZapp.
- Worth ₹1000 gift voucher or 1 domestic lounge access on spends of ₹1 Lac and above per quarter.
- 10% additional discount on Swiggy Dineout.
- 1% Fuel Surcharge waiver on fuel spends maximum ₹250 per statement cycle (valid on transactions between ₹400-₹5000).
5. HDFC MoneyBack Plus Credit Card
Fees & Charges
- Joining Fee: ₹500 + taxes
- Annual/Renewal Fee: ₹500 + taxes, waived if you spend more than ₹50000 in last year.
- Finance Charges: 3.75% per month
Key Features/Benefits
- Welcome Benefits 500 reward points
- 10X cashpoints on Amazon, Flipkart, Swiggy, Reliance Smart Store & Bigbasket.
- 2 cashpoints per ₹150 on other spend.
- Gift Voucher worth ₹500 on spend of ₹50000 per quarter.
- 10% additional discount on Swiggy Dineout.
- 1% Fuel Surcharge waiver on fuel spends maximum ₹250 per statement cycle (valid on transactions between ₹400-₹5000).
6. Swiggy HDFC Credit Card
Fees & Charges
- Joining Fee: ₹500 + taxes
- Annual/Renewal Fee: ₹500 + taxes, waived if you spend more than ₹2 Lac in last year.
- Finance Charges: 3.75% per month
Key Features/Benefits
- Complimentary 3 months Swiggy One membership as welcome benefits.
- 10% cashback (maximum ₹1500 per statement cycle) on Swiggy App.
- 5% cashback (maximum ₹1500 per statement cycle) on online spends across on various websites and apps.
- 1% cashback (maximum ₹500 per statement cycle) on other spends, except for fuel, EMI, Wallet, Jewellery and government related transactions.
- Complimentary 4 rounds of green fees and 12 lessons per year.
7. RBL Cookies Credit Card
Fees & Charges
- Joining Fee: ₹100 + taxes
- Renewal Fee: ₹100 + taxes per month, waived on spend ₹5000 or more in a month.
- Finance Charges: 3.99% per month
Key Features/Benefits
- Welcome benefits of voucher worth ₹1000 that is redeemable on Amazon, Myntra, Croma, Shoppers Stop and Flipkart.
- 10% cashback (max cashback ₹900, with a limit of ₹300 on each brand per statement cycle) on Zomato, Myntra and uber.
- 1 reward point for every ₹100 spend on eligible categories.
- 5X reward points on online spend.
- Vouchers worth ₹1000 on ₹2 lakh annual spends and vouchers worth ₹ 5000 on ₹5 lakh annual spends that is redeemable on Amazon, Myntra, Croma, Shoppers Stop and Flipkart.
- 10% discount up to ₹300 per month on BookMyShow.
- 1% Fuel Surcharge waiver on fuel spends maximum ₹150 per statement cycle (valid on transactions between ₹500-₹4000).
8. HSBC Live+ Credit Card
Fees & Charges
- Joining Fee: ₹999 + taxes
- Annual/Renewal Fee: ₹999 + taxes, waived if you spend more than ₹2 Lac in last year.
- Finance Charges: 3.75% per month
- Forex Mark-Up Fee: 3.5%
Key Features/Benefits
- Welcome benefits of ₹1000 cashback if you spend ₹20000 in 30 days of activation.
- 10% cashback up to ₹1000 a month on dining, food delivery and grocery spends.
- 1.5% unlimited cashback on most other spends.
- 15% discount on dinning bills at 200+ partner restaurants.
- 4 complimentary domestic airport lounge access in a year, maximum 1 visit per quarter.
9. Axis Bank Ace Credit Card
Fees & Charges
- Joining Fee: ₹499 + taxes
- Annual/Renewal Fee: ₹499 = taxes, waived if you spend more than ₹2 Lac in last year.
- Cash withdrawel Fee: 2.5% (min ₹500)
- Finance Charges: 3.75% per month
Key Features/Benefits
- 5% cashback (max ₹500) on bill payments & recharges (electricity, gas, internet, mobile recharge, DTH recharges and more) on google pay.
- 4% cashback (max ₹500) on Swiggy, Zomato and Ola.
- 1.5% cashback on other spends.
- 4 Complimentary domestic airport lounge access per year if you spend more than ₹50000 per quarter.
- 15% discount on dinning at partner restaurants with EazyDinner.
- 1% Fuel Surcharge waiver on fuel spends maximum ₹500 per statement cycle (valid on transactions between ₹400-₹4000).
10. Axis Bank Neo Credit Card
Fees & Charges
- Joining/Renewal Fee: ₹250 + taxes (Nil for selected channels)
- Cash withdrawel Fee: 2.5% (min ₹500)
- Finance Charges: 3.75% per month
Key Features/Benefits
- 1 Reward point on every ₹200 spends.
- ₹120 discount on Zomato on order above ₹499, twice a month.
- 5% discount (max ₹150on minimum transaction above ₹299) on utility bill payments/recharges via Paytm.
- 10% off on Blinkit up to ₹250 on min spends of ₹750, once a month.
- 10% off (max ₹100 per month) on BookMyShow.
- ₹150 off on Myntra if you spend minimum ₹999 on selected styles.
- 15% discount up to ₹500 on dining bills if you spend minimum ₹2500 on partner restaurants once per month.