There are numerous options available in the market, it can be difficult to choose the right credit card. Here is a list of the top 10 Best Credit Card for Online Shopping 2023. Using a credit card for online shopping offers benefits such as convenience, security against fraud, rewards and cashback, purchase protection, and can help build a positive credit history.
With the ease of online shopping, credit cards offer protection against unauthorized transactions and can provide purchase protection. Additionally, many credit cards offer rewards or cashback on purchases, allowing consumers to earn savings on their spending. Lastly, responsible credit card usage can help build a positive credit history and improve credit scores, which can lead to better credit offers in the future.

LIST :- 10 Best credit card for online shopping
Best Credit Card for Online Shopping 2023 | |||
Credit Card | Annual Fee* | Offers best value-back best best | Best Feature |
Flipkart Axis Bank Credit Card | Rs. 500 (from 2nd Year) | Flipkart and Myntra | 5% cashback on Flipkart, Myntra, and 2GUD |
Amazon Pay ICICI Credit Card | Nil | Amazon | 5% cashback on shopping at Amazon |
HSBC Cashback Credit Card | Rs. 750 | Amazon, BigBasket, Myntra, and Ajio | 1.5% cashback on all online spends |
HDFC Millennia Credit Card | Rs. 1,000 | Amazon, Flipkart, BookMyShow, Swiggy, etc. | 5% cashback on Amazon, Flipkart, PayZapp & SmartBuy |
Axis Bank ACE Credit Card | Rs. 499 | Swiggy, Zomato & Ola | 5% cashback on bill payments, DTH, and mobile recharges via Google Pay |
SBI SimplyCLICK Credit Card | Rs. 499 | BookMyShow, Cleartrip, Lenskart, Netmeds, etc | 10X reward points on online spends |
HDFC MoneyBack Credit Card | Rs. 500 | No specific brand | 2X reward points on online shopping |
Axis Bank buzz Credit Card | Rs. 750 | Online Shopping from Flipkart | 10% instant discount on Flipkart* |
SBI SimplySave Credit Card | Rs. 499 | BookMyShow, Cleartrip, Lenskart, Netmeds, etc | 10X reward points on online spends |
Axis bank my zone credit card | Rs.499 | SWIGGY 40% off, online shopping online | online shopping,1% value back on all spends. |
1. Flipkart Axis Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500
This is best credit card for online shopping because you can get 5% off on everything on Flipkart by paying this card.
Flipkart Axis Bank Credit Card is another entry-level credit card with a good cashback rate on online purchases.
The card offers benefits from renowned companies like Flipkart, Myntra, and other preferred partners (Uber, PVR, Tata SKY, Swiggy, etc).
The card performs more like a cashback credit card, despite being co-branded.
Takeaway: The card has a good interest rate and a low annual fee of Rs 499. The card is issued by Axis Bank, one of India’s largest private banks.
Key Benefits :
- 5% cashback on purchases made via Flipkart & Myntra
- 4% cashback across preferred partners
- 1% fuel surcharge waiver
- 4 complimentary domestic lounge visits every year
- One of the best cashback cards in the market
- Cashback directly credited to the card account
- Opportunities to avail benefits & discounts on travel, dining, etc.
2. Amazon Pay ICICI Credit Card
Joining Fee: Nil
Annual Fee: Nil
This is best credit card for online shopping beause you can get 5% on everything on amazon by paying this card
This card is also highly recommended for everyday purchases because Amazon is a leading e-commerce platform for all shopping needs. The best part about this card is that it has no annual fee and a good cashback rate
If you have a high-end lifestyle, then the Amazon Pay ICICI Credit Card is for you. The card offers up to 5% cashback on all your Amazon purchases, so if you love shopping from this online platform and spend a lot of money there, then this credit card is worth considering.
Takeaway: If you are an Amazon fan, the Amazon Pay ICICI Credit Card is the best cashback credit card for you, as it offers up to 5% cashback on Amazon purchases.
Key Benefits :
- 5% cashback for Amazon Prime members on Amazon spends
- 3% cashback for Non-prime members on Amazon spends
- 1% cashback on all other transactions
- A good credit card for cashback
- Simple reward redemption and cashback conversion
- Beneficial for online shoppers
BONUS TIP :- If you want to save a lot of money on online shopping then join this Telegram channel Crazy offer deals
3. HSBC Cashback Credit Card

Joining Fee: Nil
Annual Fee: 750
Key Benifits :-
- Get 2 Complimentary Access to the Domestic Airport Lounge.
- Enjoy 2 Visits to the International Airport Lounges.
- Get 2 Meal Vouchers of ₹400 each and use them at the Airport Restaurants.
- Grab a Cashback of 1% on all the other transactions.
- Enjoy up to 15% Discount at more than 1000 restaurants.
- Spend ₹1 Lac or more in a year and waivf the renewal fees.
4. HDFC Millennia Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000
If you are looking for an HDFC credit card with a high cashback rate, the HDFC Bank Millennia Credit Card is a good option.
The card provides good value-back on online purchases from top merchants as well as on other general purchases.
Takeaway: If you frequently use your credit card to shop online, this card is a good choice because it waives the annual fee if you spend more than a lakh in a year.
Key Benefits :-
- 5% cashback on all online shopping spends at Amazon, Flipkart, Myntra, Tata Cliq, etc.
- 1% cashback on all other spends
- 8 complimentary domestic airport lounge access per calendar year
- Co-branded cashback benefits across popular shopping platforms
- Welcome benefit compensates for the joining fee charged
- 1 Cash Point = INR 1 when taken aa s statement credit
5. Axis Bank Ace Credit Card

Joining Fee: Rs. 499
Annual Fee: Rs. 499
This card is ideal for those who frequently use their card to pay bills or order food. The Axis several credit Card comes with a number of perks that can make your life easier, like discounts on popular dining and entertainment options.
It also provides a 5% discount when you use the card to pay your utility bills. The cashback rate on the Axis Bank Ace Credit Card is higher than the typical credit card, which is typically around 1%.
Takeaway: The Axis Bank Ace Credit Card is a good choice for first-time cardholders looking for a high cashback rate with a low annual fee.
Key Benefits :-
- 5% cashback on bill payment, DTH recharge, and mobile recharge initiated via Google, Pay
- 4% cashback on Swiggy, Ola and Zomato
- 2% cashback on all other spends
- Highest flat-rate cashback in the market
- No upper limit on the cashback earned
- Cashback on multiple categories and top brands
Take a break Also Read :- Applying for first credit card to get your cibil then here is the best card for you.
5. Sbi simply click credit card

This is one of the best credit card for online shopping this will give you 10X rewardas points on online spending
Are you frequently shop online then this is one of the best card for you as I personally use it I Can say that this is my favourite card of all time.
The people having a salary account with SBI get the credit card easily. It’s important to have a good credit history score if you are planning to app, making it even more useful for
They have tie-ups with online stores which makes it even more seful for the customers who prefer online shopping.
Key Benefits :-
- 5% cashback on bill payment, DTH recharge, and mobil,e recharge initiated via Google Pay
- 4% cashback on Swiggy, Ola and Zomato
- 2% cashback on all other spends
- Highest flat-rate cashback in the market
- No upper limit on the cashback earned
- Cashback on multiple categories and top brands
7. HDFC MoneyBack Credit Card

Joining Fee: 499
Annual Fee: 499
The Moneyback Credit Card by HDFC Bank is specially curated for customers. With this card, for every spend you make, you will receive a certain percentage of money back at the end of the credit cycle. The credit card comes with a joining fee of Rs.500 and an interest rate of 3.49%.
Key Benefits :-
- 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
- 5X CashPoints on EMI spends at merchant locations
- 2 CashPoints per ₹150 spent on other spends ( Excluding fuel, wallets loads/prepaid card loads & voucher purchases )
- Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
- Up to 15% discount on partner restaurants in select cities via Dineout
8. Axis Bank buzz Credit Card

Joining Fee: 750
Annual Fee: 750
Axis Bank Buzz Credit Card is added to the Axis Credit Card portfolio recently along with Axis bank Select Credit Card. While SELECT card is primarily for Axis Burgundy customers, Buzz card is for anyone. Its a beginner level card and it serves good for Online Shoppers, especially those who sop frequently on Flipkart.
you will get Get a Welcome Bonus of ₹1000 of Flipkart on making 3 purchases within 45 days of the card issuance.
Key Benifits:-
- Get 5% Off on Flipkart with a maximum of ₹200 every month.
- Enjoy 6 eDGE Reward Points on every online spend of ₹200.
BONUS TIP :- If you want to save a lot of money on online shopping then join this Telegram channel Crazy offer deals
9. SBI SimplySave Credit Card

Joining Fee: 499
Annual Fee: 499
SBI SimplySAVE Credit Card offers savings on various purchases or transactions that we conduct on everyday basis.
From accelerated reward points to spend-based rewards to a renewal fee waiver, the credit card offers more practical benefits that enable the cardholders to save while they spend on the credit card
Key Benefits :-
- 1 Reward Point on every spend of Rs. 100.
- 10x Reward Points on groceries, movies, dining, and departmental stores.
- The SimplySAVE SBI Card lets you save on your everyday spends. The first-year fee (joining fee) is Rs.499. You pay Rs.499 as the annual fee from the second year onwards. This amount is waived if you charge more than Rs.1 lakh to your card in a year.
10. Axis bank my zone Credit card

Joining Fee: Nil
Annual Fee: 500
The Axis Bank My Zone Credit Card is the bank’s entry-level product. This card has a low annual fee of Rs. 500 and offers its customer a free preminum subscribtion to sonyLiv App worth Rs. 999
Key Benifits :-
- 5% value back on all spends on the Freecharge app.
- 1% value back on all spends.
- Flat Rs. 600 off on AJIO on minimum spends of Rs. 2,000. Coupon code “AXIS200” needs to be used to avail of this offer.
- 1% fuel surcharge waived off at all willing stations across India for transactions between Rs. 400 and Rs. 4,000 (max waiver capped at Rs. 400 per month).
Tips and Tricks:
- Plan your travel and shopping expenses in advance to make the most of your rewards credit card.
- Take advantage of credit card sign-up bonuses by signing up for a new card when you know you’ll have big expenses coming up.
- Use your credit card’s price protection feature to ensure you’re getting the best price on your online purchases.
- Consider getting a second credit card with no foreign transaction fees to use when traveling internationally.
- Be aware of the expiration dates of your rewards and use them before they expire.
- Pay your balance in full and on time each month to avoid interest charges and maintain a good credit score.
In conclusion, these credit cards provide the best benefits for online shopping in India. Consider the rewards, discounts, and other benefits offered by each card before making a decision. It is important to choose a card that aligns with your shopping habits and preferences to ensure maximum savings.