Credit Card For Online Shopping: Check Best Credit Cards For Online Transactions And OTT Subscriptions

Most of us spend a good amount of money on online shopping, food delivery and OTT subscriptions. So, why not get rewarded for it? A credit card designed for online spending can offer cashback, discounts and even free subscriptions. If you are a smart spender, choosing the right credit card can save you thousands every year.

What makes a credit card great for online use?

When you are choosing a credit card for online shopping or entertainment, here are a few things to look for:

• High cashback or reward points on online transactions


• Exclusive OTT subscriptions (free or discounted)


• Instant discounts on partner websites like Amazon, Flipkart, Swiggy, etc.


• Low annual fees and joining charges

How to choose a credit card for shopping and OTT subscriptions

Here are the features that make a credit card ideal for online shopping and subscriptions:

• Low annual fees: Some of the best cards for digital spending come with low or no annual fees, especially if you spend above a certain amount in a year. The Amazon Pay ICICI Card has zero annual fee and offers up to 5% reward points on Amazon.


• Exclusive tie-ups with apps: Many banks tie up with specific platforms – like Swiggy, BookMyShow, or MakeMyTrip – to offer special discounts when payments are made through their card. For instance, the ICICI Coral Card offers “Buy 1 Get 1” movie tickets on BookMyShow.


• High cashback or reward points: Cards now offer 5-10% cashback on e-commerce platforms, food delivery apps, and digital wallets. If you are a frequent buyer, this adds up fast. For example, the Axis Bank Ace Card offers 5% cashback on Google Pay transactions, while the HDFC Millennia Card gives 5% cashback on Amazon, Flipkart, and food delivery apps.


• Discounts on OTT platforms: Some credit cards bundle OTT benefits as welcome gifts or offer discounts on subscription renewals. Look for cards that include popular platforms like Amazon Prime, Zee5, or SonyLIV. Cards like ICICI Amazon Pay and HDFC Times Titanium provide Prime membership perks or cashback on OTT transactions.

Check Your Credit Card Offer

*Refer to the card issuers' website for the latest and most accurate information on credit card features and benefits.

Why you should use a credit card for online shopping

If, suppose, you spend Rs 10,000 monthly on online shopping and OTT subscriptions. A credit card offering even 5% cashback saves you Rs 500 per month – that is Rs 6,000 a year.

You may also get other perks like lounge access, dining discounts, or milestone vouchers.

Tips to pick the right credit card for online purchases

Don’t just go for the most popular credit card, go for the one that fits your habits:

• If you shop mostly on one platform, pick a card that gives maximum benefits on that site.


• If you split your expenses across many apps, choose a card with broad cashback or reward coverage.


• For those who use OTT platforms daily, look for cards that offer bundled subscriptions.

You can explore multiple credit cards loaded with attractive rewards for online shopping through the Moneycontrol app and website. Moneycontrol has partnered with leading banks and NBFCs to offer access to multiple online shopping and OTT subscription credit cards. If you are looking for a credit card with rewards and discounts on shopping and OTT subscriptions, you can apply for multiple such cards in a 100% paperless process.

Documents you need to apply for a credit card online

Most banks today allow you to apply for credit cards online with instant verification. Here is what you usually need:

• PAN Card and Aadhaar Card


• Income proof (like salary slip or ITR)


• A recent photograph (passport size)


• A good credit history (optional but helpful)


• Approval can take anywhere between 24 hours and a few days, depending on the bank.

With evolving times, the way people spend money has also changed. Earlier, credit cards were primarily seen as a financial tool for loans, but now they have evolved into smart instruments that can help you maximize your savings, earn rewards and cashback and improve your lifestyle. If you are looking at a larger expense, say a new laptop or paying for a year’s OTT+shopping bundle, using a personal loan might make more sense than using your card and paying EMIs.

Moneycontrol has partnered with many leading card issuers to offer access to multiple online shopping credit cards. If you are looking for a credit card with attractive rewards and discounts on shopping, you can pick from multiple credit cards through the Moneycontrol app and website and the application process is 100% paperless.