If you are a regular online shopper the right credit card can earn you points and cashback for your purchases on online platforms like Amazon, Flipkart, Myntra and Swiggy. Using the right card gives you a genuinely enhanced shopping experience. Let’s look at the top credit cards you can use in India.
| Credit Card | Annual Fee | Key Benefits | Apply Link |
|---|---|---|---|
| Flipkart Axis Bank Credit Card | ₹500 | 5% cashback on Flipkart & Myntra | Apply Now |
| Amazon Pay ICICI Credit Card | ₹0 | 5% back on Amazon (Prime), 1% elsewhere | Apply Now |
| HDFC Millennia Credit Card | ₹1,000 | 5% cashback on Amazon, Flipkart, Swiggy | Apply Now |
| SBI SimplyCLICK Credit Card | ₹499 | 10x reward points on online partners | Apply Now |
| Axis Ace Credit Card | ₹499 | 5% cashback on Google Pay, bill payments | Apply Now |
Best For: Flipkart, Myntra, and Swiggy shoppers
Annual Fee: ₹500
Verdict: A must-have if you’re a regular shopper on Flipkart or Myntra — genuinely good value for its fee.
Best For: Amazon Prime members
Annual Fee: None
Verdict: Ideal for Amazon loyalists — no hidden costs, only pure savings.
Best For: All-round online shoppers
Annual Fee: ₹1,000 (waived when you spend ₹1,00,000+ annually)
Verdict: A strong all-rounder if you have meaningful monthly spending.
Best For: People seeking reward points for online shopping
Annual Fee: ₹499
Verdict: Best if you value reward points over straight cashback.
Best For: People paying bills via Google Pay
Annual Fee: ₹499
Verdict: Great for everyday essentials if you pay most bills online.
Which credit card is best for Amazon shopping?
If you’re a regular Amazon shopper, Amazon Pay ICICI is unbeatable for Prime users — no annual fee and 5% cashback.
Can students apply for these cards?
Most of these require income proof. Students can explore secured or entry-level cards, or get an add-on card from a parent instead — see our guide to credit cards for first-time users.
Is cashback credited instantly?
It varies by card — Amazon Pay is instant, while others credit monthly or quarterly. Check the specific terms when you apply.
The right credit card makes online shopping genuinely smarter, saving real money through offers and cashback. Pick a card that matches your actual spending habits — not just the flashiest headline offer — and always check the current terms before applying, since fees and rates change.
