In today’s digital age, online shopping has become a part of our daily lives. To make the most out of your online purchases, having a credit card that rewards you for every purchase is essential. In 2025, several credit cards in India are tailored specifically for online shoppers, offering cashback, reward points, and other perks. This guide explores the top online shopping credit cards available, helping you choose the one that maximizes your savings.
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Discover how the right credit card can enhance your online shopping experience, making it easier to save, earn rewards, and enjoy exclusive deals.
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Benefit from attractive cashback offers on your online shopping, helping you keep more money in your pocket.
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Collect reward points for your spending, which you can easily redeem for future purchases or exciting gifts.
Best Shopping Credit cards – Top Picks
Below, I’ve broken down each card into key features, benefits, fees, and conditions to help you decide which one fits your shopping habits. Please note that the links provided are affiliate links, and I may earn a small commission if you apply through them, at no extra cost to you.
| Card Name | Key Feature | Online Shopping Rewards | Annual Fee | Fee Waiver Spend |
| Axis Flipkart Credit Card | 5% on Flipkart, Myntra, 2GUD | 5% on Flipkart, 4% on partners, 1.5% others | Rs. 500 | Rs. 3,50,000 |
| IndusInd Legend Credit Card | Up to 2 RP per Rs. 100, weekend bonus | 1-2 RP per Rs. 100 on all spends | Nil (joining Rs. 5,000) | N/A |
| SBI Simply Click Credit Card | 10X on partners, 5X on other online | 10X on partners, 5X on other online, 1X offline | Rs. 499 + taxes | Rs. 1,00,000 |
| SBI Cashback Card | 5% on all online spends | 5% on online, 1% offline, cap Rs. 5,000/m | Rs. 999 + taxes | Rs. 2,00,000 |
This table highlights the variation in rewards, with Axis Flipkart and SBI Simply Click being more tailored for e-commerce, while IndusInd Legend offers general rewards and SBI Cashback provides high cashback with a cap.
Which Card is Best for You?
Choosing the right card depends on your spending habits:
- If you primarily shop on Flipkart and its partners, the Axis Flipkart Credit Card is ideal.
- For those who want a lifetime free card with good rewards on all spends, including online, the IndusInd Legend Credit Card is a solid choice.
- If you shop across various online platforms, the SBI Simply Click Credit Card offers excellent rewards with its 10X points on partners.
- For straightforward cashback on all online purchases, the SBI Cashback Card is hard to beat.
Axis Flipkart Credit Card
- Fees:
- Joining fee: Rs. 500.
- Annual fee: Rs. 500 from the second year, waived on annual spends exceeding Rs. 3,50,000, excluding rent (MCC 6513) and wallet loads (MCC 6540).
- Conditions:
- Cashback exclusions include rent, wallet loads, and other categories as per terms and conditions at Axis Bank Flipkart Credit Card T&C.
- Annual fee waiver condition based on spends, with GST on surcharge non-refundable and no cashback on fuel.
- Key Feature: Offers 5% unlimited cashback on Flipkart, Myntra, and 2GUD, making it ideal for frequent e-commerce shoppers on these platforms.
- Key Benefits & Rewards:
- 5% cashback on Flipkart, Myntra, 2GUD, calculated as Rs. 4500 on spends of Rs. 90,000, implying 5% rate.
- 4% cashback on preferred partners like Swiggy, Uber, PVR, etc., with Rs. 1400 on spends of Rs. 35,000, implying 4% rate.
- 1.5% cashback on all other spends, with Rs. 1800 on spends of Rs. 180,000, suggesting a 1% rate in examples, but standard knowledge indicates 1.5%.
- Welcome benefits include Rs. 500 Flipkart voucher on first transaction, airport lounge access with 4 complimentary visits per year on minimum spends of Rs. 50,000 in previous 3 months, and fuel surcharge waiver of 1% on fuel purchases (max Rs. 400 per cycle).
- Dining discounts: 15% off up to Rs. 500 at 10,000+ partner restaurants via EasyDiner.
IndusInd Legend Credit Card
- Fees:
- Joining fee: Rs. 5,000, with no annual fee, making it lifetime free, as confirmed by multiple sources.
- Conditions:
- Reward points can be redeemed for statement credit, air miles, products, gift vouchers, etc., with terms at IndusInd Bank Legend Credit Card T&C.
- Lounge access discontinued effective March 7, 2025, impacting travel perks.
- Key Feature: Earn up to 2 reward points per Rs. 100 spent, with 1 point on weekdays and 2 points on weekends, suitable for general spending including online, though not specifically tailored for e-commerce.
- Key Benefits & Rewards:
- 1 reward point per Rs. 100 on weekdays, 2 points on weekends (Saturday and Sunday), with bonus 4,000 reward points on spending Rs. 6,00,000 in a year from the date of card issue.
- Complimentary movie tickets: Buy One Get One (BOGO) up to Rs. 200 per month, fuel surcharge waiver of 1% (max Rs. 250 per billing cycle), and discounted foreign currency markup at 1.8%.
- Additional benefits include complimentary insurance covers like air accidental cover of Rs. 25 lakhs and lost baggage insurance of Rs. 1 lakh, as per reviews.
SBI Simply Click Credit Card
- Fees:
- Annual fee: Rs. 499 + taxes, with renewal fee of Rs. 499 + taxes from the second year, reversed if last year spends are Rs. 1,00,000 or more.
- Conditions:
- Reward points have specific terms, with e-shopping rewards detailed at SBI Simply Click Reward Points T&C.
- Cheques accepted only if local and payable in Delhi, with taxes applicable on all fees and charges.
- Key Feature: 10X reward points on online spends with partner merchants, designed for e-commerce and online booking platforms.
- Key Benefits & Rewards:
- 10X reward points on Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra, with 5X points on all other online spends, and 1 point per Rs. 100 on offline spends.
- Welcome gift: Rs. 500 Amazon gift card on payment of Rs. 499 + taxes annual fee, with terms at SBI Simply Click Welcome Benefits.
- Milestone benefits: e-Vouchers worth Rs. 2,000 each on annual online spends of Rs. 1 lakh and Rs. 2 lakh, redeemable on Cleartrip or Yatra, with terms at Cleartrip Gift Card T&C and Yatra T&C.
- Fuel surcharge waiver: 1% on transactions Rs. 500–3,000, max Rs. 100 per statement cycle.
SBI Cashback Card
- Fees:
- Annual fee: Rs. 999 + taxes, with a joining fee of Rs. 999, and renewal fee of Rs. 999 per annum from the second year, waived if annual spends reach or exceed Rs. 2,00,000
- Conditions:
- Cashback exclusions include utility bills, insurance, fuel, rent, wallet loads, and others, with terms at SBI Cashback Card T&C.
- Annual fee waiver condition based on previous year’s spends, with GST applicable on all charges.
- Key Feature: 5% cashback on all online spends, offering a straightforward cashback model for e-commerce.
- Key Benefits & Rewards:
- 5% cashback on all online purchases, with no merchant restrictions except for exclusions like utility, insurance, fuel, rent, wallet loads, etc., auto-credited within two working days of the next statement.
- 1% cashback on all offline purchases, with a monthly cap of Rs. 5,000 on total cashback earnings.
Additional Notes
- Joining fees, where applicable, are noted for transparency: Axis Flipkart has Rs. 500, IndusInd Legend has Rs. 5,000, and SBI Cashback has Rs. 999.
- For the SBI Simply Click, the milestone benefits enhance value for high online spenders, while the SBI Cashback card’s monthly cap ensures users plan their spends accordingly.
- The IndusInd Legend card, while lifetime free, may not be the best for online shopping but is included for its general reward structure, appealing to users seeking no annual fees.
FAQs
- What makes a card good for online shopping?
High cashback or reward points on e-commerce spends—like 5% with SBI Cashback or 10X points with SBI Simply Click—make a card ideal for online purchases. - Why do some cards focus on specific websites?
Cards like Axis Flipkart tie up with brands (Flipkart, Myntra) to offer higher rewards, encouraging loyalty to those platforms while still giving benefits elsewhere. - How are reward points different from cashback for online spends?
Reward points (like SBI Simply Click’s 10X) need redemption for value, while cashback (like Axis Flipkart’s 5%) is directly credited, offering instant savings. - Can I earn rewards on international online purchases?
Yes, but it varies—SBI Cashback gives 5% on all online spends, while IndusInd Legend’s lower forex markup (1.8%) helps with foreign sites. - What’s a milestone benefit, and how does it work?
With SBI Simply Click, you get Rs. 2,000 e-vouchers if you spend Rs. 1 lakh online annually—it’s an extra perk for hitting spending goals. - Why don’t I get cashback on wallet loads?
Banks exclude wallet loads (like Paytm) and rent because they’re often used to game rewards or involve lower merchant fees, reducing bank profits. - How long does it take for cashback to show up?
It depends—SBI Cashback credits it in the next billing cycle (within 2 days of the statement), while Axis Flipkart’s cashback reflects in your statement too.
- Which card is best for Flipkart shoppers?
The Axis Flipkart Credit Card offers 5% cashback on Flipkart—apply (affiliate link) and save big on your next order! - How do I get a card with no annual fee for online shopping?
The IndusInd Legend Credit Card is lifetime free after a joining fee—check it out (affiliate link) for easy online rewards.
Where can I apply for a card with great online rewards?
The SBI Simply Click Credit Card gives 10X points on partner sites—get it (affiliate link) and boost your online savings!