10 Best Credit Cards for Online Shopping with Cashback Benefits

credit cards with cashback benefits for online shopping

Credit cards have become an essential tool for online consumers in the ever-changing world of digital commerce. These cards offer a range of benefits, including rewards, exclusive privileges, cashback and discount options. With so many credit cards available, each tailored to meet specific consumer needs, it is crucial to research the best options that cater to online shopping enthusiasts in India. This comprehensive guide provides a detailed analysis of the primary features, advantages, fees, and cashback benefits of the leading credit cards designed to enhance one’s online shopping experience.

Unlock Exclusive Discounts: Credit Cards Tailored for Online Shopping Cashback Rewards


Tata Neu Infinity HDFC Bank Credit Card

credit cards with cashback benefits for online shopping

Benefits and Rewards

Welcome Offer: Paying the joining fee will instantly earn you 1,499 NeuCoins, boosting your rewards.

Earning Potential: You can earn 5% back as NeuCoins on non-EMI spends at Tata Neu and partner Tata brands and 1.5% NeuCoins on non-Tata brand spends. This way, you can maximise your rewards across various purchases.

Airport Lounge Access: With Priority Pass, you can enjoy eight complimentary domestic airport lounge visits and four international airport lounge visits yearly, making your travels more luxurious.

Fuel Surcharge Waiver: Fuel stations nationwide offer a 1% fuel surcharge waiver, which can add to your savings on essential expenses.


Joining/Renewal Fee: The joining fee is Rs 1,499 plus applicable taxes.

Renewal Fee Waiver: Spend Rs 3,00,000 annually to get a renewal fee waiver, which will incentivise you for higher usage and benefits.

HDFC Millennia Credit Card

credit cards with cashback benefits for online shopping

Benefits and Rewards

Cashback Rewards: You can earn 5% cashback on purchases made at major online platforms such as Amazon, Flipkart, Myntra, Tata CLiQ, Uber, and Zomato. This will amplify your savings on everyday essentials and luxury items alike.

Gift Vouchers: You will receive Rs 1000 gift vouchers on quarterly spending of Rs 1,00,000 and above. This will add to your purchasing power and reward substantial usage.

Dining Discounts: Swiggy Dineout offers up to 20% discounts on partner restaurants, making dining out or ordering more delightful.

Fuel Surcharge Waiver: On transactions between Rs 400 and Rs 5,000, you can benefit from a 1% fuel surcharge waiver of up to Rs 250 monthly. This will ease the burden of fuel expenses.


Joining/Renewal Fee: The joining fee is Rs 1,000 + applicable taxes.

Renewal Fee Waiver: You can qualify for a renewal fee waiver by spending Rs 1,00,000 or more annually. This encourages consistent usage and rewards loyalty.


Amazon Pay ICICI Credit Card

credit cards with cashback benefits for online shopping

Benefits and Rewards

Cashback Bonanza: Prime members can earn 5% cashback on Amazon transactions, while non-Prime members can earn 3% cashback, making every purchase on the popular e-commerce platform more rewarding.

Merchant Partner Benefits: You can also get 2% cashback on online purchases from over 100 Amazon Pay merchant partners, allowing you to earn more across various transactions.

Fuel Surcharge Waiver: You’ll enjoy a 1% surcharge waiver for all fuel purchases, which can help alleviate the impact of rising fuel prices on your monthly budget.


No Joining Fee or Annual Fee: This card does not have upfront costs, making it an excellent option for regular Amazon shoppers who want to experience its benefits without additional expenses.

State Bank of India (SBI)

Cashback SBI Card

credit cards with cashback benefits for online shopping

Benefits and Rewards

Cashback Structure: You can benefit from cashback rewards on various transactions, except for specific categories. This ensures that a significant portion of your spending returns as savings.

Renewal Fee Reversal: The renewal fee will be reversed if you spend Rs 2 Lakh annually. This incentive encourages higher usage and rewards consistent expenditure.

Fuel Surcharge Waiver: All petrol pumps in India have a 1% Fuel Surcharge Waiver. This waiver provides relief from additional charges on fuel purchases.


Joining Fee: The joining fee is Rs 999, a one-time payment.

Renewal Fee: The renewal fee is Rs 999 from the second year onwards. However, this fee may be reversed if you meet the annual spending criteria.

Axis Bank

AXIS Bank Neo Credit Card

credit cards with cashback benefits for online shopping

Benefits and Rewards

Discounts Galore: Get 10% off every movie purchase, 10% off shopping with Myntra, and 40% off Zomato food delivery. These discounts will enhance your savings across entertainment, fashion, and dining.

Utility Bill Payments: You can use Amazon Pay to get 5% off on your utility bill payments. This will add value to your everyday expenses.

Reward Points: With every transaction of Rs 200 or more, you can earn one reward point. This way, you can accumulate rewards with every transaction.


Joining Fee: The joining fee for this card is Rs 250.

Annual Fee: The annual fee for this card is Rs 250, which makes it accessible and affordable for regular users.

AXIS Bank ACE Credit Card

credit cards with cashback benefits for online shopping

Benefits and Rewards

Cashback Offers: You can earn up to 5% cashback on your utility bill payments, DTH, and mobile recharge via Google Pay. Additionally, you can earn 4% cashback on Swiggy, Zomato, and Ola and 2% on all other spending, maximising your rewards across various categories.

Fuel Surcharge Waiver: On transactions between Rs 400 and Rs 4,000, you can enjoy a 1% fuel surcharge waiver across all fuel stations, reducing the impact of fuel expenses on your budget.


Joining Fee: The credit card’s joining fee is Rs 499, but it will be waived if you spend Rs 10,000 within 45 days of card issuance.

IDFC First Bank

IDFC First Select Credit Card

Benefits and Rewards

Reward Points Bonanza: Earn 10X Reward Points on incremental spends above Rs 25,000 per month and spends done on your birthday. This offer provides accelerated rewards for active usage, which means you can earn more points by spending more.

Entertainment Benefits: Enjoy an entertainment benefit where you can get a ‘buy one, get one’ offer on movie tickets up to Rs 250 on the Paytm mobile app twice monthly. This offer enhances your movie-watching experience by giving you more value for your money.

Merchant Offers: Take advantage of over 300 merchant offers, including discounts at 1500+ restaurants and 3000+ health and wellness outlets. These discounts can make your lifestyle more affordable.


No Annual Fee: This card offers no annual fee, making it a cost-effective choice for frequent shoppers. You can enjoy all the rewards and benefits of the card without paying any additional fees.

Kotak Mahindra Bank

Myntra Kotak Credit Card

Benefits and Rewards

Cashback Rewards: Earn unlimited 1.25% cashback on all your online or offline spending. This means you can save more money on various purchases, no matter where you shop.

Instant Discounts: You can also get an instant discount of 7.5% on all spending across Myntra Platforms. This makes fashion shopping more affordable and rewarding.

Quarterly Benefits: When you spend over Rs 50,000 every calendar quarter, you can enjoy two complimentary PVR tickets worth Rs 250 each. This added benefit enhances your entertainment experiences.

Category Exclusions: You won’t earn any cashback on spends across Rent, Wallet, and Fuel categories. This ensures clarity on eligible transactions.

EMI Transactions: EMI transactions or balances converted into EMI will be excluded from cashback. Any cashback accrued on these transactions will be reversed, highlighting the terms regarding EMI usage.


Annual Fee: The annual fee for this card is Rs. 500, but it’s waived if you spend Rs. 2 lakh in the previous anniversary year. This makes the card accessible with potential fee waivers based on your spending patterns.

American Express

American Express SmartEarn™ Credit Card

Benefits and Rewards

Reward Multiplier: Earn rewards by transacting on famous brands such as Zomato, Ajio, Nykaa, BookMyShow, Uber, and more. For every Rs. Fifty spent, you can earn 10X rewards, maximising your benefits across a diverse range of partner brands.

Category-based Rewards: Get 5X rewards on Amazon and Paytm Wallet transactions, making your online shopping experiences more rewarding on your preferred platforms.

Membership Rewards Points: Accumulate Membership Rewards points based on spending thresholds, which can be redeemed for various rewards and benefits.


Annual Fee: The annual fee for the card is Rs. 495 plus applicable taxes.

Renewal Fee Waiver: If you have eligible spends of Rs. 40,000 and above in the previous year of Card membership, you can get a renewal fee waiver, providing an incentive for active usage.

HSBC India

HSBC Cashback Credit Card

Benefits and Rewards

Accelerated Cashback: Get a 0% accelerated cashback on all your expenses related to dining, food delivery, and groceries, with a cap of INR 1,000 per billing cycle. This will help you maximise your savings on essential expenses.

Unlimited Cashback: You can earn an unlimited 1.5% cashback on all other spends, except for a few exclusions. This will provide consistent rewards across a wide range of transactions.

Lounge Access: You will receive four complimentary domestic lounge visits per year, one per quarter, enhancing your travel experiences.


Annual Membership Fee: The annual membership fee is Rs. 999, which will be reversed if your total yearly spend exceeds Rs. 200,000. This provides potential fee waivers based on your spending habits.


After carefully considering your spending habits, preferences, and lifestyle, choosing the most appropriate credit card for online purchases is essential. To do this, you should assess each card’s advantages, reward systems, charges, and restrictions to determine which closely aligns with your financial goals and purchasing behaviours. By taking advantage of the benefits of these top credit cards, you can optimise your economic gains, accumulate significant rewards, and enjoy a streamlined and enjoyable online shopping experience. Elevate your online shopping experience with these top 10 Credit Cards with cashback benefits.

Key Factors to Consider When Choosing Credit Cards for Online Shopping for Cashback Benefits

When selecting a credit card for online purchases, there are several critical factors to consider to optimise its benefits. The following are the fundamental elements that you should keep in mind:

Rewards and Cashback: Firstly, choose a credit card that offers substantial rewards, cashback, or loyalty points for online purchases. It is also essential to consider charging for popular online purchasing platforms or categories, such as electronics, fashion, or consumables, with cards that offer greater reward multipliers.

Discounts and Offers: Take advantage of credit cards that provide access to exclusive deals, discounts, and offers for online purchases. This may include limited-time rebate incentives, promotional offers during festive seasons, or discounts at partner merchants.

Fees: It is crucial to assess the various expenditures incurred with the credit card, including annual and membership fees. Consider cards that offer rewards, benefits, and cost reductions commensurate with reasonable fees charged for online purchasing. Doing so can maximise the benefits and minimise the costs associated with your credit card.

Security Features: Cardholders should prioritise credit cards that offer essential security features. These features include a zero-liability policy in case of unauthorised transactions, OTP-based transactions, and virtual card numbers, which enhance protection against fraud.

Additional Benefits: Supplementary benefits such as complimentary access to airport lounges, travel insurance, concierge services, purchase protection, extended warranties on eligible purchases, and rewards and reimbursements should also be considered.

Online Transaction Safety: To safeguard financial information and transactions, it is advisable to ensure that the credit card provides secure online transaction capabilities, encryption protocols, and proactive monitoring for fraudulent activities.

Prime Advantages of Credit Cards Tailored for Online Shopping with Cashback Benefits

Online-specific credit cards offer various advantageous features that make them highly beneficial for consumers who engage in digital transactions:

Enhanced Rewards: These cards often provide increased rewards, cashback, or loyalty points for online purchases, making it easier for consumers to earn and save on routine transactions.

Exclusive Discounts: Furthermore, cardholders gain access to exclusive discounts, offers, and deals from associated merchants, e-commerce platforms, and online retailers, enhancing the affordability and satisfaction of their online purchasing experience.

Convenience and Flexibility: Credit cards designed for online purchases also offer streamlined transactions, protected payment gateways, and flexible repayment options, which improve the overall purchasing experience.

Purchase Protection: Many credit cards for online purchases also include purchase protection features, providing consumers with assurance against lost, stolen, or damaged items purchased with the card.

Zero or Low Foreign Transaction Fees: These cards may offer zero or minimal foreign transaction fees for international online purchases, helping you save money on currency conversion and cross-border transactions.

Understanding Online Shopping Credit Cards

Credit cards designed explicitly for frequent online shoppers are a specialised category of financial products known as “online shopping credit cards”. They offer features and rewards that incentivise online spending, making them ideal for e-commerce enthusiasts and digital natives.

Ideal Candidates for Online Shopping Credit Cards

Online shopping credit cards are suitable for individuals who:

  1. Regularly shop online for a wide range of products and services.
  2. Seek to maximise their savings, rewards, and cashback on online transactions.
  3. Value exclusive discounts, offers, and promotions through partner merchants and e-commerce platforms.
  4. Prefer the convenience, security, and flexibility credit cards offer for online purchases.

Comparing Online Shopping Credit Cards

If you are comparing online shopping credit cards, it is essential to consider the following factors:

1. Rewards and Cashback Structure

2. Discounts and Offers

3. fees

4. Security Features

5. Additional Benefits and Perks

6. Online Transaction Safety Measures

To make an informed decision, evaluate each card based on how well it aligns with your spending habits, preferences, and financial goals. This will help you choose the best card for your needs.

Maximising Savings and Cashback Benefits with Online Shopping Credit Cards

To effectively save money using online shopping credit cards, you should follow these strategies:

1. Use the card for eligible online transactions to maximise rewards, cashback, and discounts.

2. Take advantage of promotional offers, seasonal sales, and exclusive deals the card issuer or partner merchants offer.

3. Pay your credit card bills on time to avoid interest charges and late payment fees and to maximise your net savings.

4. Regularly monitor your card statements for unauthorised transactions and report any discrepancies promptly to the card issuer.

5. For optimal savings, combine rewards and cashback with other savings techniques such as coupon codes, price comparisons, and shopping during sales events.