Best SBI Credit Cards for Online Shopping in India

Finding the right SBI credit card for online shopping can make your digital purchases significantly cheaper through cashback, rewards, and platform-exclusive offers.

Online spending in India has been rising at double-digit rates, and SBI Card remains one of the largest players with over 18 million cards in force. If you're looking for the best SBI credit card for online shopping, you’ll find that SBI offers multiple product lines tailored for Amazon, Flipkart, departmental stores, lifestyle shopping, and even general online payments. Each card comes with a different reward structure, earn rate, and benefit cap, making it important to match the card with your spending pattern.

SBI cards are beneficial for online shoppers because they offer high reward rates (up to 10% value back), app-based no-cost EMI options, brand partnerships, and monthly savings on groceries, fashion, electronics, food delivery and more. For anyone searching for an SBI credit card for online shopping, this guide breaks down features, card benefits, platform-specific advantages, and step-by-step application details.

Table of Contents:

1. Features and Benefits of SBI Shopping Credit Cards
2. Best SBI Credit Cards for Online Shopping
3. How to Apply for an SBI Shopping Credit Card
4. Best SBI Cards for Amazon, Flipkart, Myntra & Other Apps
5. Which SBI Shopping Credit Card Should You Choose?

Features and Benefits of SBI Shopping Credit Cards

SBI shopping credit cards come with reward structures designed around digital payments, e-commerce offers, and partner-brand promotions. Here are key features that make them beneficial:

1. High reward rates on online purchases
Most SBI cards for online shopping provide 3% to 10% rewards on categories like Amazon, Flipkart, Myntra, Ajio, BigBasket, Nykaa, and e-pharmacy orders. These multipliers help frequent shoppers accumulate value quickly.

2. Partner offers with leading apps
SBI Cards frequently introduces platform-specific discounts, such as 10% off during Amazon Great Indian Festival or Flipkart Big Billion Days. These seasonal offers add significant value when combined with reward points.

3. No-cost EMIs on e-commerce platforms
Most SBI cards support no-cost EMI on Amazon, Flipkart, Croma, Reliance Digital, and many online stores. This benefits users making high-ticket purchases like smartphones or appliances.

4. Reward points with a fixed monetary value
Depending on the card, 1 reward point = ₹0.25–₹1, making it easier to understand the savings. Redemption options include statement credit, gift vouchers, catalogue, and partner redemptions.

5. Fuel and surcharge waivers
A 1% fuel surcharge waiver is standard across most SBI shopping cards with monthly caps between ₹100–₹250.

6. Contactless and app-powered benefits
Using the SBI Card app, users can track reward points, convert purchases to EMI, redeem vouchers, and activate instant discounts during sales.

7. Annual fee reversals
Many cards offer fee waivers on achieving spends between ₹1 lakh–₹2 lakh annually, making them effectively free for regular shoppers.

Best SBI Credit Cards for Online Shopping

Here are the top 6 Credit Cards for Online Shopping offered by SBI, along with their features and benefits.

1. SBI SimplyCLICK Credit Card

Best for: Everyday online shopping

The SimplyCLICK card is one of SBI’s most popular shopping cards because it offers extra rewards on most online transactions, especially on partner websites. If you frequently order medicines, book tickets, or buy essentials online, this card provides consistent value.

Key Features

• 10X reward points on select online partners such as Apollo 24|7, BookMyShow, Myntra, Yatra and others (as per SBI’s latest list)
   
• 5X rewards on other online spends and 1X reward on offline spends (1 RP per ₹100).
   
• Milestone rewards: Earn e-vouchers worth ₹2,000 each on spending ₹1 lakh and ₹2 lakh in a year.
   
• Online-focused earn rate, making it suitable for users whose majority of transactions are digital.
   
• Reward redemption via the SBI Card portal for vouchers, merchandise, and travel bookings.

Fees

• Joining Fee: ₹499 + GST
• Annual/Renewal Fee: ₹499 + GST (waived on spends of ₹1 lakh/year)

The card offers consistent value for users who frequently pay online across multiple categories.

Want to know more about its rewards, features, and benefits in detail? Check the SBI SimplyCLICK Credit Card for a complete breakdown.

2. SBI SimplySAVE Credit Card

Best for: Budget shoppers & beginners

The SimplySAVE card isn’t built specifically for online shopping, but it offers extra rewards on daily-use categories like groceries, movies, and dining areas where beginners usually spend more. It’s a good low-maintenance entry card.

Key Features

• 10 Reward Points per ₹100 on dining, movies, groceries, and departmental stores.
   
• Accelerated rewards on everyday essentials — ideal for first-time credit card users.
   
• Regular rewards for other online/offline transactions.
   
• 1% fuel surcharge waiver (capped at ₹100/month) at all petrol pumps.
   
• Easy approval criteria and low-income eligibility.

Fees

• Joining Fee: ₹499 + GST
• Annual/Renewal Fee: ₹499 + GST

It serves as an affordable entry-level SBI shopping credit card.

Want to understand its reward points, surcharge waivers, and benefits in detail? Check the SBI SimplySAVE Credit Card for complete features and perks.

3. SBI Cashback Credit Card

Best for: Flat cashback on all online transactions

This is the strongest SBI card for pure online shopping because it offers universal cashback, with no conditions or brand limitations. If you shop across multiple platforms, this card ensures maximum savings.

Key Features

• 5% cashback on most online merchant spends, excluding categories like education, fuel, utilities, insurance, rent, wallets and jewellery.
   
• 1% cashback on offline spending.
   
• Cashback is auto-credited directly to the monthly statement.
   
• High monthly cashback cap of ₹5,000.
   
• Accepted widely for EMI conversions on e-commerce sites.
   
• One of the most straightforward “use online → earn cashback” cards.

Fees

• Joining Fee: ₹999 + GST
• Annual/Renewal Fee: ₹999 + GST

This card works best if you shop across multiple apps and prefer a simple, high-value cashback system.

To learn more about its cashback structure, reward categories, and fee details, check the SBI Cashback Credit Card for detailed insights.

4. SBI Card Pulse

Best for: Online shoppers wanting lifestyle + wellness rewards
The Pulse is a premium lifestyle–wellness card that still performs well for online spending due to its reward structure. It comes with valuable healthcare benefits in addition to reward points.

Key Features

• Up to 10 Reward Points per ₹100, depending on the spending category.
   
• Complimentary healthcare benefits, including FitPass Pro membership.
   
• Netmeds vouchers, e-consultation benefits, and wellness perks.
   
• Airport lounge benefits on select variants.
   
• Strong card for users who split their spending across shopping + fitness + travel.

Fees

• Joining Fee: ₹1,499 + GST
• Annual/Renewal Fee: ₹1,499 + GST

This card is useful for users who mix shopping with health & travel benefits.

5. SBI BPCL Octane Credit Card

Best for: Fuel + online shopping combo users

While this card is positioned primarily as a fuel card (especially for BPCL users), its 10X reward points on popular everyday categories make it rewarding beyond just fuel.

Key Features

• 10X Reward Points on Dining, Movies, Groceries, and Department Store purchases.
   
• 6.25% value back on fuel purchases at BPCL pumps.
   
• Fuel surcharge waiver across BPCL outlets.
   
• Rewards redeemable for fuel or shopping vouchers.
   
• Good hybrid choice if you combine regular online orders with high fuel usage.

Fees

• Joining Fee: ₹1,499 + GST
• Annual/Renewal Fee: ₹1,499 + GST

If your online shopping and fuel expenses are both significant, this card delivers strong blended value.

To know more about its fuel rewards, surcharge benefits, and additional features, check the BPCL SBI Octane Credit Card for detailed insights.

6. Paytm SBI Select Credit Card

Best for: Paytm app ecosystem shoppers

If you regularly use Paytm for recharges, utility bills, travel booking, and shopping, this card gives the highest savings due to its Paytm-specific cashback structure.

Key Features

• Up to 5% cashback on Paytm Mall, Paytm Movies, Paytm Flights and other Paytm services.
   
• 2% on other Paytm spends; 1% on non-Paytm
   
• Complimentary Paytm First benefits.
   
• Exclusive Paytm discounts during flash sale events.
   
• Best value for users who prefer all-in-one payments through the Paytm app.

Fees

• Joining Fee: ₹1,499 + GST
• Annual/Renewal Fee: ₹1,499 + GST

Also, check out the top SBI Credit Cards with detailed features and eligibility, only on Finology Select.

How to Apply for an SBI Shopping Credit Card

Applying for an SBI credit card for online shopping takes about 5–7 minutes through the digital KYC process. Here are the steps:

1. Choose the right card
Pick from the SBI shopping cards based on your spending pattern — cashback, multipliers, or partner-specific rewards.
 

2. Visit the SBI Card website
Select “Apply Now” under the chosen product. You will be redirected to a pre-approved check or application form.
 

3. Enter basic details
Provide your PAN, date of birth, mobile number, employment type, and city. SBI checks preliminary eligibility instantly.
 

4. Upload KYC documents
Using Video-KYC or Aadhaar-based e-KYC, submit:

• PAN Card
• Address proof
• Income proof (salary slip/ITR)

5. Verification & card dispatch
Once approved, the digital card appears instantly in your email/app, and the physical card is dispatched within 5–7 working days.

Best SBI Cards for Amazon, Flipkart, Myntra & Other Apps

Platform	Best SBI Card	Benefit Type	Key Rewards / Cashback
Amazon	SBI Cashback Card	Flat Cashback	5% cashback on online spending
Flipkart	SimplyCLICK	Reward Points	10X rewards on branded partners used by Flipkart shoppers
Myntra	Paytm SBI Select	Partner Offers	3–5% cashback on Paytm Fashion deals, including Myntra
Ajio	SBI Cashback Card	Universal Cashback	5% online cashback applies
Nykaa	SimplyCLICK	Bonus Rewards	10X rewards via partner portals
BigBasket	SimplyCLICK	Bonus Multipliers	10X points on partner merchants
Croma / Electronics	SBI Cashback Card	Flat Cashback	5% cashback + EMI support
Pharmacy Apps	SBI Pulse Card	Wellness + Shopping Rewards	10 RP per ₹100 on select online spends

This table helps you quickly identify the best SBI online shopping card based on the platform you spend the most on.

Which SBI Shopping Credit Card Should You Choose?

Here’s a comparison table to help you pick the most suitable SBI shopping credit card.

SBI Credit Cards	Best For	Why This Card Fits
SBI Cashback Credit Card	Flat cashback on all online purchases	5% cashback on online transactions with no merchant/category restriction; automatic statement credit
SBI SimplyCLICK Credit Card	Frequent shoppers on partner platforms	10X rewards on Apollo, BookMyShow, Netmeds, Cleartrip; milestone vouchers worth ₹2,000 on annual spends
Paytm SBI Select Credit Card	Users active in the Paytm ecosystem	Up to 5% cashback on Paytm apps, Paytm First benefits, strong value on travel, movie, & bill payments
SBI BPCL Octane Credit Card	Fuel + online shopping mix	6.25% value back on fuel plus 10X on groceries, departmental stores, movies, dining — ideal for heavy commuters
SBI SimplySAVE Credit Card	Beginners & low-spend users	Affordable fees, rewards on grocery, dining & regular spends; easy approval criteria
SBI Pulse Credit Card	Shoppers wanting lifestyle + wellness perks	High reward categories plus Fitpass Pro, Netmeds vouchers & complimentary health benefits

Conclusion

Choosing the best SBI credit card for online shopping depends mainly on where you spend and how much you spend monthly. SBI offers multiple online shopping cards, each with rewards ranging from 10X reward points to flat 5% cashback. Whether you prefer partner-specific benefits, universal cashback, or lifestyle-oriented perks, there is an SBI credit card for your needs. By matching your spending behaviour with the right card and using festival offers, EMI benefits, and reward redemptions smartly, you can maximise annual savings.

Want to look beyond SBI cards? You can check the Best Credit Cards for Online Shopping to compare cashback, rewards, and fee structures across multiple banks.

FAQs

1. Which is the best SBI credit card for online shopping?
The SBI Cashback Credit Card is often considered the best SBI credit card for online shopping because it offers a flat 5% cashback across all online transactions.

2. Is SBI SimplyCLICK good for online shopping?
Yes, SimplyCLICK is a strong SBI credit card for online shopping, offering 10X reward points on partner websites used frequently for entertainment, pharmacy, travel, and groceries.

3. Which SBI card gives the highest online cashback?
The SBI Cashback Card provides up to 5% cashback on all online transactions, making it one of the highest cashback cards in SBI’s catalogue.

4. Are there online shopping offers on SBI credit cards during big sales?
Yes, SBI Cards partners with Amazon, Flipkart, Myntra and others to provide 10% instant discounts during major sale periods like Great Indian Festival and Big Billion Days.

5. What is the easiest SBI online shopping card to get?
SimplySAVE and SimplyCLICK are among the easiest to get due to their low-income requirements and broad eligibility criteria.