Best Credit Cards in India for Online Shopping 2023

Created on 21 Apr 2023

Wraps up in 5 Min

Read by 5.1k people

Updated on 24 Nov 2023

Credit cards are a popular way to make purchases, especially for people who don't have the money on hand to pay for an item. They're also useful for those who want to buy something but don't have enough time to save up the money before they need it--for example, if you want a new laptop and know that it will take several months of saving up before you can afford it.

The name "credit card" comes from their ability to give consumers access to credit (or borrowed funds), which allows them more flexibility when making purchases than cash would allow. Credit cards are issued by banks or other financial institutions and can be used at any location that accepts them as payment. 

How Credit Cards Make Online Shopping Easier?

Credit cards have become the preferred payment method for online shopping due to their convenience, security, and additional benefits. Here's how credit cards make online shopping easier:

Top 7 Shopping Credit Cards in India

1. HDFC Millennia Credit Card

HDFC Millennia Credit Card comes with a joining and annual fee of ₹1,000 and is a good choice for shopping because it offers a good range of benefits, including cashback, gift vouchers, and easy EMI options. Some of its features are:

2. SBI Cashback Credit Card

SBI Cashback Credit Card is one of the best cashback shopping credit cards available in the market. This credit card offers unlimited cashback on your online as well as offline transactions. 

Key Features 

3. Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is a great choice for shoppers who are looking for a card that offers a rewarding cashback program, welcome benefits, preferred partner benefits, wide acceptance, and a low annual fee. If you are a frequent Flipkart shopper, this card is definitely worth considering.

Key Features 

4. Standard Chartered Digi Smart Credit Card

The Standard Chartered DigiSmart Credit Card is a great option for shoppers who want to earn cashback on their online and offline purchases. It offers a variety of benefits, including:

5. Amazon Pay ICICI Credit Card

The Amazon Pay ICICI Credit Card is a good choice for frequent Amazon shoppers, especially those who are also Amazon Prime members. The card also has no annual fee, making it a very affordable option. However, it's important to note that the cashback is only earned on Amazon purchases, so if you use the card for other purchases, you won't earn any rewards.

Key Features

6. SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is a good option for frequent online shoppers who want to earn rewards on their spending. The card offers a decent rewards rate on online spending, especially with partner brands, and has a low annual fee. 

Key Features

7. American Express SmartEarn Credit Card

The American Express SmartEarn Credit Card is an excellent choice for frequent shoppers who want to maximize their rewards. With its attractive welcome gift, ongoing offers, and easy redemption options, this card offers great value for money.

Key Features


With a plethora of credit cards available, selecting the right one for your online shopping needs can be a daunting task. However, by considering your spending habits, desired rewards, and cardholder benefits, you can narrow down your options and find the perfect fit.

Once you've identified your priorities, it's time to compare credit cards and select the one that best aligns with your needs.

Select by Finology provides a comprehensive comparison tool that allows you to assess various credit cards based on their key features, including rewards, fees, and interest rates. This tool simplifies the decision-making process and ensures you choose the best credit card for your online shopping.

Start comparing credit cards today and unlock the rewards and benefits of online shopping with the perfect credit card.