7 Best Credit Cards for Online Shopping in India

Credit cards offer greater flexibility while shopping, paying for groceries, bills and more, as you get cash back and reward benefits by using them. However, not all credit cards are equipped with features that suit your shopping needs. 

If you are a regular shopper at online stores, you must be looking for the best credit card for online shopping. An online shopping credit card provides you with greater benefits like vouchers, offers, memberships, etc., on online stores. Read this blog to know which cards are ideal for you and suit your shopping behaviour.  

Different Types of Credit Cards Available for Online Shopping 

Before finding the best credit card for online shopping, take a look at the categories of shopping credit cards:

List of Best Credit Cards for Online Shopping with Joining Fees

To remain competitive, credit card providers provide exciting offers with shopping credit cards. Take a look at the joining fees of such cards:

Features and Benefits of Best Credit Cards for Online Purchases

Take a look at the detailed features and benefits to choose the best credit card for online shopping from among the different credit cards:

Axis Bank SELECT Credit Card

Axis Bank provides tailored deals that match your lifestyle and online shopping habits. Here is a detailed breakdown of the benefits and features of the card:

• After 90 days of getting the Axis Bank SELECT card, you become entitled to Amazon vouchers for up to ₹2,000. 
• Every time you pay the renewal fee of the card, you get access to exclusive offers from Swiggy and BigBasket for your daily needs.
• Avail ₹300 discount by booking movie tickets from the “BookMyShow” app using this card.
• Spend ₹2,000 on purchases on BigBasket and get a 20% discount each month. On Swiggy, avail up to 40% discount on orders of more than ₹500 twice a month. 

Axis Bank Neo Credit Card

This lifetime free credit card is available to you for a joining amount of ₹250. Below is a summarised feature of this card that enhances your shopping experience:

• This card offers you a 40% discount on ordering food items from Zomato. Get an additional 10% discount when shopping from Blinkit.
• Recharge your mobile, DTH, Broadband, etc., using Paytm and get up to 5% discount on this card.
• If you spend ₹999 on selected sellers on Myntra using this card, you can get a discount of up to ₹150.
• Get a 10% discount on every movie ticket purchased using this card from the “BookMyShow” app. 

HDFC Millennia Credit Card

Targeted mainly for millennials, this card offers you plenty of benefits and rewards for online shopping. Take a look at its features below:

• With this card, you are entitled to a 5% discount on transactions from online platforms like Amazon, Myntra, BookMyShow, etc.
• Get an HDFC Millennia card and avail a 1% discount on other types of shopping. 
• Get milestone benefits quarterly by spending ₹1 lakh using this card or more. You will get ₹1,000 worth of online gift vouchers. 

SBI Prime Credit Card

SBI offers the Prime Credit Card, designed to help you maximise monthly benefits on spending across movies, groceries, retail purchases and more. Note its features as detailed below:

• Upon applying and activating this card, you will get ₹3,000 worth of a welcome bonus. 
• Spend ₹100 on any category like departmental stores, dining, groceries, movies, etc., and get 10 reward points.
• Get e-gift vouchers on shopping from Pantaloons or booking trips on Yatra upon spending ₹5 lakh in a year. 
• Get an e-voucher on ordering worth ₹50,000 in a single calendar year from Pizza Hut. 
• You are entitled to complimentary airport lounge access and a waiver on renewal charges on spending ₹3 lakh annually. 

Swiggy HDFC Bank Credit Card

As a regular online shopper, this can be one of the best credit cards for online shopping and other expenses. Check out its features below to make a smart decision:

• Primarily designed for Swiggy customers, this card offers a 10% discount on Swiggy and Instamart orders and dine-outs.
• Use this card to purchase items from Flipkart, Amazon, Myntra, etc., and get up to 5% cashback benefits.
• Also, get maximum discounts on your travel expenses, like hotel bookings and golf facilities. 

Flipkart Axis Bank Credit Card

If you are an online shopper and looking for the best credit card for online shopping for Flipkart purchases, this card is best suited for you. Below are some of the attractive benefits of this co-branded card:

• Whether you are ordering electronics or other items on Flipkart, use this card and get 5% unlimited cashback benefits.
• Additionally, this card offers a 4% discount on shopping made from online platforms like PVR, Swiggy, Uber, etc.
• You will get a welcome bonus worth ₹400 and up to 4 complimentary airport lounge accesses across India. 

Amazon Pay ICICI Bank Credit Card

Whether you are a Prime or non-Prime member of Amazon, use this card to earn multiple benefits. Here are the features which make it one of the best credit cards for online shopping:

• Prime members earn 5% cashback on Amazon purchases, while non-Prime members can earn up to 3%.
• Upon applying and activating this card, you will get a welcome bonus of ₹2,500. Also, if you pay bills using this card, you might get an additional bonus of ₹2,500.
• Any non-prime customer, upon joining, can get an Amazon Prime membership for 3 months for free. 

Documents Needed to Apply for Credit Card for Online Shopping

Upon applying for a shopping credit card, regardless of the provider, you need to produce certain documents. Prepare the documents below before applying:

• Produce your Aadhaar Card, PAN card, voter ID, etc., as your identity proof.
• Provide a utility bill, like water or electricity bills, as proof of residence in India.
• You need to produce income proof, like your payslips or bank transaction details. 
• Affix your latest photographs in passport size with a duly filled and signed application form. 

Process to Apply for Credit Card for Online Shopping

You can choose to apply for a credit card online without visiting a physical bank branch. Here is a step-by-step guide on how to do it:

Step 1: Choose your credit card as per your online shopping needs and visit the website of the respective provider. 

Step 2: Look for the credit card you chose, select the card and read the credit card features in detail.

Step 3: Apply for the card by filling out the mandatory fields with updated information and submitting.

Step 4: Upon submitting, you will get an application number, and the bank will review your application for approval. The bank might call for additional verification and you will get your card within 7 to 10 days. 

Final Word:

When shopping frequently from e-commerce platforms, it is wise to opt for the best credit card for online shopping. Most of the card providers in India offer attractive benefits like discounts, cashbacks, gifts, etc., that enhance your shopping experience twofold. However, it is best to consider the charges and interest as additional expenses.

Credit cards grant you access to instant funds and benefits. One such card is offered by Stable Money, which requires no income proof. 

Download the Stable Money app to learn more!

Join conversation about the best credit card for shopping on Stable Money Community