Best Online Shopping Credit Cards in India 2019

Several credit cards in India provide great rewards for online shopping purchases on different sites. From Snapdeal to Amazon, we've assessed the current credit card offerings in the market and chosen the most valuable options to get the most out of your online shopping.

Best Online Shopping Credit Cards
Best OverallSnapdeal HDFC Bank Card11.67% on Snapdeal, 6.67% on travel, Amazon and Flipkart
No FeeIndusInd Signature Card0.67% on all but fuel, travel/golf/movie perks
SecuredBOB Financial Prime Card1% cashback all spend, Rs. 15,000 minimum fixed deposit
FlipkartAxis Bank Buzz Credit CardRs. 2,000+ Flipkart vouchers, 7% on Flipkart, 0.40% on other
AmazonSimplyCLICK SBI Card2.50% on Amazon, Cleartrip, Foodpanda, BookMyShow & more
Tata CromaTata Croma Platinum5% on Croma, 3% on department and grocery stores
MyntraAxis Bank Neo Card10% off select Myntra styles, redBus, Freecharge, BookMyShow

Best Online Shopping Credit Card: Snapdeal HDFC Bank Card

Consider this if you want great travel rewards too

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Welcome Gift: Snapdeal Vouchers worth Rs. 2,250 (Rs. 2,000 in direct vouchers, 500 points redeemable for Rs. 250 in vouchers)
  • Promotion: 20 points per Rs. 150 spent (6.7% rupee value back) & 5% discount on Snapdeal spend - expires March 31st, 2019

The Snapdeal HDFC Card is the best credit card for online shopping and earns great rewards on travel, too. You'll start off with a great welcome gift totalling Rs. 2,250 in Snapdeal vouchers, but most of the card's value comes from its excellent 11.67% back on Snapdeal spend (5% instant discount + 20 points/Rs. 150 spent; 1 point = Rs. 0.50 Snapdeal vouchers). You'll also get fantastic 6.67% rupee value back on HDFC's SmartBuy platform, with 20 points per Rs. 150 spent on Amazon, Flipkart, travel bookings and more. All other spend (excluding fuel) will earn you an average 0.67% back (2 points per Rs. 150 spent). Overall, get this credit if you want great benefits from multiple shopping sites as well as from travel bookings.

  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/month, max Rs. 500 discount/month) - thru Mar 31
  • Other Rates: 20 points/Rs. 150 on SmartBuy (travel, Amazon, Flipkart); 2 points/Rs. 150 on all other (min transaction Rs. 150)
  • Point Value: 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lahks), Fire & Burglary ins.
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% discount (min transaction Rs. 150, max 10,000 points/month, max Rs. 500 discount/month) - thru Mar 31
  • Other Rates: 20 points/Rs. 150 on SmartBuy (travel, Amazon, Flipkart); 2 points/Rs. 150 on all other (min transaction Rs. 150)
  • Point Value: 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lahks), Fire & Burglary ins.
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month

Best No-Fee Card for Online Shopping: IndusInd Bank Signature Credit Card

Consider this if you don’t want an annual fee under any conditions

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome gift options: 1) one-way Jet Airways base fare and airline fuel charge waiver, 2) Oberoi Hotels voucher or 3) Genesis Luxury Voucher

IndusInd's Signature Credit Card is the best in India that charges no annual fee under any circumstances. While other cards may require spending a minimum amount to achieve a fee waiver, the IndusInd Signature has no such requirement. The one-way Jet Airways flight waiver is likely the best welcome gift option, and comprises the card's largest source of value. On everyday spend, you'll get good value back of 0.67% on all categories excluding fuel (1 point per Rs. 150; 1 point = Rs. 1 cash). This isn't a very competitive rate versus most online shopping cards, but it's the best you'll find on a no-fee card.

The card's perks include Priority Pass and Travel Plus lounge access (though charges may apply), travel insurance, and golf & movie benefits. On the whole, the IndusInd Signature will give you solid general cashback value with no risk of ever being charged an annual fee.

  • Earn Rate: 1 Reward Point per Rs. 150 spent except on Fuel
  • Point Value: 1 Reward Point = Rs. 1 cash
  • Perks: Priority Pass & Travel Plus (charges may apply), travel insurance, golf benefits, movie benefits
  • Earn Rate: 1 Reward Point per Rs. 150 spent except on Fuel
  • Point Value: 1 Reward Point = Rs. 1 cash
  • Perks: Priority Pass & Travel Plus (charges may apply), travel insurance, golf benefits, movie benefits

Best Secured Credit Card for Online Shopping: BOB Financial Prime Card

Consider this if you have poor or limited credit history

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

BOB Financial's Prime Card provides the best cashback value of all credit cards against fixed deposit, geared toward consumers with nonexistent, limited or poor credit history. Also known as secured credit cards, you must put down a certain amount of rupees as a deposit, and the BOB Prime happens to have the lowest in India, Rs. 15,000. The card gives 1% rupee value back (4 points per Rs. 100 spent, 4 points = Rs. 1), which is an excellent general spend rate among secured cards, and above average for online shopping. Bottom line, get this card if you want a good return on your online shopping while you need a credit card against fixed deposit.

  • Minimum Fixed Deposit: Rs. 15,000
  • Reward Earn Rate: 4 Reward Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Minimum Fixed Deposit: Rs. 15,000
  • Reward Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month

Best Credit Card for Flipkart: Axis Bank Buzz Credit Card

Consider this if Flipkart is your go-to shopping site

Age Requirement 15-70
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 1,000 Flipkart vouchers (on 3 purchases within 45 days)
  • Anniversary Bonuses: 1) Rs. 1,000 Flipkart vouchers on annual spend of Rs. 100,000, additional Rs. 2,000 vouchers on spend of Rs. 200,000 & 2) Rs. 500 Flipkart vouchers on annual Flipkart spend of Rs. 25,000, Rs. 1,000 vouchers on spend of Rs. 50,000 and Rs. 2,500 vouchers on spend of Rs. 100,000

Axis's Buzz is the best online shopping card in the market if you prefer shopping on Flipkart. Substantial value comes from the card's welcome gift (Rs. 1,000 Flipkart vouchers) and anniversary bonuses (Rs. 1,000 per year achievable for many, up to Rs. 7,000 for very high spenders). The card earns excellent 7.03% rupee value back on Flipkart spend, comprising discounts (10% from the 1st–5th of every month, 5% remainder of month) and points (6 points per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers). You'll net below average 0.40% rupee value back on all other spend (2 points per Rs. 200 spent), so get this card primarily if you're a big Flipkart spender.

  • Annual Fee: Rs. 750
  • Flipkart Discount: 10% from the 1st to 5th of every month, 5% remainder of month
  • Reward Earn Rate: 6 points/Rs. 200 spent online shopping, 2 points/Rs. 200 on all else
  • Point Value: 1 eDGE Reward Point = Rs. 0.40 Yatra voucher (many other options in reward store)
  • Annual Fee: Rs. 750
  • Flipkart Discount: 10% from the 1st to 5th of every month, 5% remainder of month
  • Reward Earn Rate: 6 points/Rs. 200 spent online shopping, 2 points/Rs. 200 on all else
  • Point Value: 1 eDGE Reward Point = Rs. 0.40 Yatra voucher (many other options in reward store)

Best Credit Card for Amazon: SimplyCLICK SBI Card

Consider this if you also want great value back on travel, dining and entertainment

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Welcome Gift: Rs. 500 Amazon.in gift card
  • Anniversary Bonus: Rs. 2,000 Cleartrip voucher each on annual online spend of Rs. 100,000 and Rs. 200,000
  • Promo: Rs. 100 cashback on first movie ticket with BookMyShow & 40% off UrbanClap for first time users - valid till March 31, 2019

The SimplyCLICK SBI Card is the best-in-market for Amazon, and also provides great travel, dining and entertainment rewards. To start off, the Rs. 500 Amazon welcome gift is nice, but most of the card's value comes on regular spend. You'll earn very good 2.50% back (10 points/Rs. 100 spent; 4 points = Rs. 1) on Amazon (shopping & groceries), Cleartrip (travel), Foodpanda (dining) and BookMyShow (movies), as well as on Lenskart and UrbanClap. The 1.25% back on other online spend is good too, but the 0.25% back on other purchases is below average. Last to note, the Cleartrip anniversary bonuses (up to Rs. 4,000) will be difficult to obtain unless you're a very high online spender. So, get this credit card if you want great value back on Amazon, as well as on travel, dining and movies.

  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spend
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)
  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spend
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)

Best Credit Card for Tata Croma: Tata Croma Platinum Card or Tata Platinum Card

Consider this if you want airport lounge access

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Anniversary Bonuses: Rs. 3,000 voucher (Yatra, Hush Puppies/Bata, Marks & Spencer or Westside) each on crossing Rs. 200,000, 400,000 and 500,000 in a year

Tata's Platinum / Croma Platinum credit cards will maximise your online shopping return on Croma. All monetary value comes from rewards on spend, earned in vouchers for Tata companies. You'll get fantastic 5% value back shopping at Croma (2% discount & 3 points per Rs. 100 spent; 1 point = Rs. 1 Tata voucher), and 3% back from department and grocery stores, as well as on dining and international spend (3 points per Rs. 100 spent). You'll also get up to 5% back at broader Tata outlets. On perks, the 8 airport lounge visit per year within India are very nice. Overall, note that you should make sure you can spend enough on the card for its rewards to outweigh the annual fees. Get this card primarily for the Tata shopping benefits, but also enjoy its great rewards across other categories as well as the airport lounge access.

  • Annual Fee: Rs. 2,999
  • Reward Earn Rate: 2% back on Croma, 3 points/Rs. 100 on departmental & grocery stores, dining & international spend, 1 point/Rs. 100 spent on other retail outlets
  • Point Value: 1 point = Rs. 1 at Tata companies
  • Perks: Up to 5% back at Tata outlets, 8 visits/year (max 2/quarter) MasterCard domestic lounge
  • Fuel Surcharge Waiver: Transactions Rs. 500-4,000 (max waiver Rs. 250/month)
  • Annual Fee: Rs. 2,999
  • Reward Earn Rate: 2% back on Croma, 3 points/Rs. 100 on departmental & grocery stores, dining & international spend, 1 point/Rs. 100 spent on other retail outlets
  • Point Value: 1 point = Rs. 1 at Tata companies
  • Perks: Up to 5% back at Tata outlets, 8 visits/year (max 2/quarter) MasterCard domestic lounge
  • Fuel Surcharge Waiver: Transactions Rs. 500-4,000 (max waiver Rs. 250/month)

Best Credit Card for Myntra: Axis Bank Neo Card

Consider this if you would value bus ticket, mobile recharge and movie discounts too

Age Requirement 18-70
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gifts: Rs. 300 BookMyShow voucher; Rs. 250 Amazon voucher on 1st spend within 30 days

Axis Bank's Neo Card is the best on the market for shopping on Myntra. You'll get 10% off select styles through March 31, 2019 (min purchase Rs. 500), and we are waiting to see if the promotion will carry forward afterward. You'll also get 10% of redBus tickets (max Rs. 100 discount monthly), Freecharge mobile recharges (max discount Rs. 30 monthly) and BookMyShow tickets (max discount Rs. 50 monthly). On all other spend, you'll earn a below average 0.40% rupee value back (2 points/Rs. 200 spent; 1 point = Rs. Yatra travel vouchers). Get for this credit card for great value on Myntra, as well as on bus tickets, mobile recharges and movies.

  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: 250 (in 1st year, spend Rs. 2,500 in 45 days to waive)
  • Discounts: 10% off Myntra select styles (min purchase Rs. 500), redBus (max Rs. 100 discount/month), Freecharge (1 transaction & max discount Rs. 30 per month), BookMyShow (max discount Rs. 50 per month); valid till Mar 31, 2019
  • Reward Earn Rate: 2 points/Rs. 200 spent on all
  • Point Value: 1 eDGE Reward Point = Rs. 0.40 Yatra voucher (many other options in reward store)
  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: 250 (in 1st year, spend Rs. 2,500 in 45 days to waive)
  • Discounts: 10% off Myntra select styles (min purchase Rs. 500), redBus (max Rs. 100 discount/month), Freecharge (1 transaction & max discount Rs. 30 per month), BookMyShow (max discount Rs. 50 per month); valid till Mar 31, 2019
  • Reward Earn Rate: 2 points/Rs. 200 spent on all
  • Point Value: 1 eDGE Reward Point = Rs. 0.40 Yatra voucher (many other options in reward store)
Dan Grossman

Dan is a Senior Research Analyst at ValueChampion India, focusing on credit cards. He holds a B.S. in Mathematics & Economics from the University of Michigan, and previously worked in the financial services industry at Capital One and Moelis & Company.