Credit Cards

Top 5 Best Credit Cards in India for Online Shopping

Choice, convenience, and deals make online shopping a boon. It not only allows you to shop anytime and from anywhere but also helps you save more. And when you add credit card offers to the mix, you can boost your purchasing power like never before! 

Now that you can buy almost anything online, the question is, which is the best credit card in India for e-shopping? While you may have heard this depends on your preferences and needs, shortlisted options always help to narrow the search. 

Top 7 Cards In India To Shop Online In 2024

The smartest way to select the right card from this list is to ensure the brands you shop from are mentioned in the list of partners. In addition, check your highest spending category. Choose a card that gives you more points or perks for those transactions. 

Read on to know the top contenders for an online shopping enthusiast: 


Amazon Pay ICICI Bank Credit Card

  • Zero joining and annual fee
  • Fuel surcharge waiver of 1% 
  • Cashback of 5% on transactions on Amazon as a Prime customer and 3% as a non-Prime member 
  • Cashback of 2% when using Amazon Pay to over 100+ partners 
  • Cashback of 1% when you ship, dine out, travel and more 
  • Reward points can be used to shop on Amazon from 100+ partners and 1 point is ₹1 offered as Amazon Pay balance 


One Credit Card 

  • Lifetime-free credit card 
  • 5X reward points on top 2 spending categories each month, including online shopping 
  • Discounts up to ₹3,750 on eligible transactions on Amazon 
  • Discounts up to ₹2,750 on eligible transactions on Flipkart 
  • Flat discounts and more on online shopping with brands like Levi’s, Snitch, IGP and more
  • Deals on online shopping for groceries, food, electronics and more  
  • 100% fuel surcharge waiver


Flipkart Axis Bank Credit Card

    • Unlimited cashback of 5% on all transactions on Flipkart 
    • Flipkart vouchers of ₹500 as joining benefit 
  • Unlimited cashback of 4% when shopping with partnersCashback of 1% on all transactions not made on Flipkart and other partners 
  • Fuel surcharge waiver of 1%
  • Dining discounts of 15% at partner restaurants up to ₹500 
  • Joining and annual fee of ₹500 with fee waiver on spending ₹3.50 Lakhs in a year 


Tata Neu Infinity HDFC Bank Credit Card

  • Cashback of 5% on purchases on Tata Neu and partner Tata retailers/partners like BigBasket, Croma, Westside, etc 
  • Cashback of 1.5% on non-Tata partners and on EMI transactions with partner merchants 
  • Cashback of 1.5% on UPI transactions up to 500 NeuCoins 
  • Additional 5% cashback on specific categories on Tata Neu 
  • NeuCoins worth ₹1499 reversed as 1st year fee on first transaction within 30 cards of activation 
  • Insurance covers accidental air death, emergency overseas hospitalization and lost card liability
  • Renewal fee waiver on spending ₹3 Lakhs annually


Myntra Kotak Credit Card

  • Discount of 7.50% on Myntra up to ₹750 
  • Myntra voucher of ₹500 as a joining benefit 
  • Free access to the Myntra Insider Program
  • Cashback of 5% on shopping with partners like Swiggy, Urban Company, Cleartrip and more 
  • Unlimited cashback of 1.25% on all other transactions 
  • Complementary PVR movie tickets every quarter on spending at least ₹50,000 during this period
  • Waiver of annual charges on spending ₹ 2 Lakhs annually
  • Fuel surcharge waiver of 1%


Standard Chartered DigiSmart Credit Card

  • Discount of 20% on Myntra up to ₹750 on 1 transaction a month 
  • Discount of 10% up to ₹1,000 a month on Grofers with no minimum spends
  • Discount of 10% up to ₹150 on Zomato
  • Free movie ticket with purchase of one on INOX on weekends 
  • Discount of 20% on Yatra up to ₹750 on domestic air tickets and 10% on international flights up to ₹10,000
  • Cashback of 15% on booking Ola cabs up to ₹600 a month 
  • Easy EMI, loan on credit card and balance on EMI facilities 


IDFC First Select Credit Card

  • Spend ₹20,000 in a billing cycle for 3X reward points
  • Spend more than ₹20,000 to get 10X reward points
  • Voucher of ₹500 as a welcome benefit on spending ₹5000 or more within 30 days of activation 
  • Use points to pay online or at the store at partners 
  • Purchase 1 movie ticket and get another free twice a month 
  • Discount of up to 20% on dining with partner restaurants
  • Discounts on shopping at more than 300 brands 


To enhance your experience when using a credit card to simplify your online purchases, check the following aspects:

  • Limits on points and their redemption dates/fees
  • Milestones you need to cross to get accelerated benefits, lounge access and more
  • Limits on credit card offers related to movie ticket discounts, shopping discounts, and airport lounge access 
  • Limits on cashback and waivers for utility bill payments, fuel purchases and more 
  • Added fees on transactions related to rental payments, international spending and more 
  • Charges related to EMI conversions, loans on credit cards and paying credit card balances on EMI 


A little research will help you identify the best credit card in India for online shopping on your terms. One more thing that will help you shop smart is monitoring your purchases and setting limits so you don’t overspend. 


The One Credit Card helps you do this easily thanks to its powerful mobile app. Use it to manage your transactions like a pro and swipe confidently every time! Apply now and discover a world of benefits at your fingertips.

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