Best Online Shopping Credit Cards in India 2020

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
CashbackKotak Essentia Platinum10% back on online shopping
SnapdealSnapdeal HDFC Bank11.67% on Snapdeal, 6.67% on travel, Amazon and Flipkart
AmazonSimplyCLICK SBI2.50% on Amazon, BookMyShow & more
Big BasketSBI Prime15 points per Rs. 100 spent on Big Basket
FlipkartAxis BuzzRs. 2,000+ Flipkart vouchers, 7% on Flipkart
SecuredBOB Financial Prime1% cashback all spend, Rs. 15,000 minimum fixed deposit
Tata CromaTata Croma Platinum5% on Croma, 3% on retail & grocery
MilesAir India SBI Signature1.8% on online shopping and 13.5% on travel bookings
MyntraAxis Neo10% off select Myntra styles, redBus, Freecharge, BookMyShow

Best Cashback Card - Kotak Mahindra Essentia Platinum Card

Consider this if you are looking for a cashback card for shopping and groceries

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Kotak Mahindra Essentia Platinum Card is a great card for earning cashback on both online shopping and grocery spending. The card will earn cardholders a 10% rewards rate (10 Saving Points per Rs. 100 spent; 1 point = Rs. 1)—the highest in our review. However, it is important to note that eligible transactions must meet the minimum of Rs. 1,500 and points are capped at 500 monthly across total shopping and grocery store spending.

Therefore, the card's next largest source of value is derived from the promotion of 1,200 points cardholders can earn once they reach a spending amount of Rs. 125,000 every 6 months. This promotion can help offset the 500 point monthly cap on shopping and groceries, for higher spenders. The Essentia Platinum Card earns a below average 0.40% value back on other categories, so this card is primarily attractive for the shopping (and grocery) rewards.

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  • First Year Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 points per Rs. 100 on shopping and grocery spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends
  • First Year Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 points per Rs. 100 on shopping and grocery spending, 1.5 points per Rs. 100 on utility spends, 1 point per Rs. 250 on other spends

Best Snapdeal 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

The Snapdeal HDFC Bank Card is the best credit card for online shopping and earn 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 All other spending (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.

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  • 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/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • 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/mo., max Rs. 500 discount/mo.)
  • 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lakhs), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month

Best Credit Card for Amazon: SimplyCLICK SBI Card

Consider this if you tend to purchase items through Amazon

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Sign-up bonus of ₹ 500 Amazon.in gift card
  • ₹ 2,000 Cleartrip voucher each on annual online spend of ₹ 100,000 and ₹ 200,000 per year

The SimplyCLICK SBI Card offers the best rewards for Amazon purchases, and also provides great travel, dining and entertainment rewards. First off, the Rs. 500 Amazon welcome gift is great. Furthermore, cardholders 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. Lastly, the Cleartrip anniversary bonuses (up to Rs. 4,000) will be difficult to obtain unless you're a very high online spender. Therefore, this is a great card for individuals looking to earn a great rewards rate on Amazon, as well as on travel, dining and movies.

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  • 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 for Big Basket - SBI Card Prime

Consider this if you are looking for a card for Big Basket spending

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000

The SBI Card PRIME earns great rates on many spending categories, especially on Big Basket purchases. SBI Card Prime offers 10 points per Rs. 100 spent (5x the base rewards rate) on dining, groceries, department stores, and movies. 15 points per Rs. 100 (7.5x the base rewards rate) on Big Basket (online food delivery and groceries) and 20 points per 100 spent (10x the base rewards rate) on utilities capping at 3,000 reward points per month.

Additionally, the card offers an e-voucher as a sign-up bonus worth Rs. 3,000 at select merchants such as Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Yatra. At Yatra, cardholders also receive an e-voucher worth Rs. 7,000 from on achieving annual spends of Rs. 5 lakh. Other perks and promotions that the card includes are listed below.

Read Our Review

  • Annual Fee: 2,999 (Waived if annual spending exceeds Rs. 300,000)
  • Reward Earn Rate: 2 points per Rs. 100 on all general spending; 10 points per Rs. 100 on dining, groceries, department stores, and movies; 15 points per Rs. 100 on Big Basket; 20 points per Rs. 100 on utility spending (capped at 3,000 points per month)
  • Retail: E-Gift Voucher worth Rs. 7,000 from Yatra.com or Pantaloons after spending Rs. 5 lakh for the year
  • Dining: Pizza Hut e-voucher of Rs. 1,000 after spending Rs. 50,000 within 3 months from issuance
  • Air Travel: 8 complimentary visits per year to Domestic VISA/Mastercard airport lounges in India (max. 2 visits per quarter, only for primary cardholders), 15% off on luxury Airport Transfer Service
  • Birthday Benefits: 20 Reward Points per Rs. 100 spent on cardholders birthday
  • Annual Fee: 2,999 (Waived if annual spending exceeds Rs. 300,000)
  • Reward Earn Rate: 2 points per Rs. 100 on all general spending; 10 points per Rs. 100 on dining, groceries, department stores, and movies; 15 points per Rs. 100 on Big Basket; 20 points per Rs. 100 on utility spending (capped at 3,000 points per month)
  • Retail: E-Gift Voucher worth Rs. 7,000 from Yatra.com or Pantaloons after spending Rs. 5 lakh for the year
  • Dining: Pizza Hut e-voucher of Rs. 1,000 after spending Rs. 50,000 within 3 months from issuance
  • Air Travel: 8 complimentary visits per year to Domestic VISA/Mastercard airport lounges in India (max. 2 visits per quarter, only for primary cardholders), 15% off on luxury Airport Transfer Service
  • Birthday Benefits: 20 Reward Points per Rs. 100 spent on cardholders birthday

Best Credit Card for Flipkart: Axis Bank Buzz Credit Card

Consider this if Flipkart is your go-to shopping site

Age Requirement 18-70
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 credit card 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 in Flipkart vouchers) and anniversary bonuses (from Rs. 1,000 per year, 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.

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  • 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 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

The BOB Financial 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.

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  • 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 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 Online Shopping Card for Air India Miles: Air India SBI Signature

Consider this if you are looking for a primary card that provides great rewards for shopping and Air India bookings

Age Requirement 21-60
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)

The Air India SBI Signature Card is perfect for those looking for an option with great earnings. The card offers a solid rewards rate of 1.8% (4 points on Rs. 100 spends, 1 Reward Point = 1 Airline Mile = Rs. .45) for all spending categories. Furthermore, the Air India SBI Signature Card will earn a 13.5% rewards rate (30 points per Rs. 100 spent) travel bookings via Air India, the highest within this category.

The Air India SBI Signature Card also offers the largest sign-up bonus available at 20,000 reward points (Rs. 9,000), which offsets the annual fees of Rs. 4,999 for approximately two years. Furthermore, the Air India SBI Signature Card is a great fit for big spenders as it allows cardholders to receive additional rewards points once they reach certain spending thresholds. For example, by spending Rs. 2,000,000 cardholders receive 50,000 points, by spending Rs. 1,000,000 cardholders receive an additional 30,000 and by spending Rs. 500,000 cardholders receive 20,000 more points. As a result, this card’s benefits would be maximized by big spenders looking for a primary card to use for more than just online shopping.

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  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings
  • Air Travel: International airport lounge access to over 600 airport lounges with the complimentary Priority Pass Program, complimentary Visa Lounge Access Program in India at major domestic airports, as well as 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)
  • Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings
  • Air Travel: International airport lounge access to over 600 airport lounges with the complimentary Priority Pass Program, complimentary Visa Lounge Access Program in India at major domestic airports, as well as 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)
  • Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45

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 available for shopping on Myntra. Cardholders will get 10% off 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)
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.