03 February, 2026 | 16:14 IST
Online shopping has become second nature to most of us. From ordering the latest smartphone and stocking up on groceries to binge-watching our favourite shows on OTT platforms, it is all just a few clicks away. And if you are already spending online, why not make the most of it with some sweet cashback or reward points? That is where a good online shopping credit card comes in. There are plenty of options that don’t just make payments easier, but also help you save more every time you hit that “Buy Now” button.
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An online shopping credit card is designed to offer maximum benefits when used on e-commerce platforms, such as Amazon, Flipkart, Myntra, Zomato and Swiggy. These cards deliver features like:
· High cash‑back or reward rates
· Discounts, vouchers, or accelerated points.
· Special promos and partner offers.
They improve the online shopping experience and bring added savings for users.
Some of the best credit cards for online shopping in India this year include the HDFC Millennia Credit Card, offering 5% cashback on top platforms like Amazon, Flipkart and Swiggy with a Rs 1,000 annual fee (waived on Rs 1 lakh spend).
The SBI SimplyCLICK Credit Card gives 10× reward points on partner sites like Amazon and Myntra and 5× on others with a Rs 499 fee and a Rs 500 Amazon voucher on joining.
The ICICI Amazon Pay Credit Card is lifetime free and gives 5% cashback for Prime members, 3% for non-Prime, plus 1% on other spends. Flipkart loyalists can go for the Flipkart Axis Bank Credit Card, which offers 5% cashback on Flipkart and Cleartrip, 4% on BigBasket and PVR, with a Rs 500 fee (waived on Rs 3.5 lakh spend).
For simple savings, the Axis Bank ACE and SBI Cashback Credit Cards offer up to 5-10% cashback across categories.
Other good options include HDFC MoneyBack+, Amex SmartEarn, HSBC Visa Platinum, and Kotak Myntra, each offering online-friendly rewards with specific perks.
Moneycontrol, in collaboration with top banks and NBFCs, now offers access to a range of credit cards tailored for online shopping and OTT subscriptions. Enjoy rewards, discounts and a seamless 100% paperless application process.
Your credit card limit is the maximum amount you can spend using your card, including for online purchases. It depends on factors like your income, credit score and card type.
For new or beginner cards like the Axis Bank ACE and SBI Cashback Credit Card, the typical credit limit ranges from Rs 50,000 to Rs 1,00,000. These are ideal for first-time credit card users or those with limited credit history.
Mid-range cards such as the SBI SimplyCLICK and ICICI Amazon Pay Credit Card generally offer limits between Rs 1 lakh and Rs 3 lakh, depending on your income and financial background. These cards suit salaried individuals who shop online regularly.
Premium cards like the HDFC Millennia and Flipkart Axis Bank Credit Card often come with higher limits starting from Rs 3 lakh and above, making them well-suited for frequent online shoppers or users with higher income levels.
To increase your credit card limit over time, always pay your bills on time, keep your credit utilisation below 30% and maintain a good credit score. Banks are more likely to approve a higher limit if you demonstrate responsible credit usage for at least 6 to 12 months.
How to apply for an online shopping credit card in India
The process has become entirely paperless.
1. Check eligibility based on income, age and credit score.
2. Apply online via a bank website or third-party aggregator.
3. Complete KYC digitally using Aadhaar or PAN.
4. Receive approval (usually within 3-7 days).
Looking for a credit card that rewards you for online shopping and streaming? Moneycontrol has teamed up with major banks and NBFCs to bring you a selection of credit cards packed with offers, all available through a fully paperless process.
When picking an online shopping credit card, start by looking at where you shop the most, Amazon, Flipkart, Myntra, etc, as different cards offer better rewards on different platforms. Check the annual and joining fees and see if they can be waived with enough spending. Decide if you prefer cashback (instant savings) or reward points (which need to be redeemed).
Extra perks like EMI options, insurance, or airport lounge access can make your card even more useful.
If you love online shopping, the right online shopping credit card can boost your savings significantly. Moneycontrol now offers paperless access to top credit cards with online shopping and OTT rewards, in partnership with leading banks and NBFCs.
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