Top credit cards for online shopping in India 2024

Joining Fee: Rs. 999 | Annual Fee: Rs. 999
The Cashback SBI Card is highly regarded for online shopping, offering 5% cashback on all online purchases and 1% cashback on other transactions without any merchant restrictions.

Key Features and Benefits:

5% cashback on all online spends with no merchant restrictions
1% cashback on all offline transactions
1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions between Rs. 500 to Rs. 3,000
Annual fee reversal on spending Rs. 2 Lakh in the preceding year

Joining Fee: Nil | Annual Fee: Nil
The Amazon Pay ICICI Credit Card is a co-branded card offering up to 5% cashback on Amazon spends for Prime members, with no joining or annual fee.

Key Features and Benefits:

5% cashback on Amazon spends for Amazon Prime members
3% cashback on Amazon spends for Non-Prime members
2% cashback on payments to partner merchants through Amazon Pay
1% cashback on other transactions
15% discount at partner restaurants of ICICI Bank
1% fuel surcharge waiver across all petrol pumps

Joining Fee: Rs. 499 | Annual Fee: Rs. 499
The Axis Bank ACE Credit Card offers one of the highest cashbacks, including 5% on bill payments, DTH, and mobile recharges via Google Pay, and 4% on Swiggy, Zomato, and Ola.

Key Features and Benefits:

5% cashback on bill payment, DTH recharge, and mobile recharge via Google Pay
4% cashback on Swiggy, Ola, and Zomato
1.5% cashback on other spends
4 complimentary domestic lounge visits per year on spending Rs. 50,000 during the previous 3 months
1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000

Joining Fee: Rs. 1,000 | Annual Fee: Rs. 1,000
The HDFC Millennia Credit Card offers up to 5% cashback for online transactions at popular merchants, with 1% cashback on all offline spends, catering specifically to millennials.

Key Features and Benefits:

5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
1% cashback on other categories, including EMI and wallet spends
1 complimentary lounge access or a voucher worth Rs. 1,000 on spending Rs. 1 Lakh in a quarter
1% fuel surcharge waiver, up to Rs. 250 in a month on transactions between Rs. 400 to Rs. 5,000 across all fuel stations in India

Joining Fee: Rs. 500 | Annual Fee: Rs. 500
The HDFC MoneyBack+ Credit Card offers significant benefits through Cash Points, which can be redeemed for cashback, including 10X reward points on select brands.

Key Features and Benefits:

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket
5X CashPoints on EMI spend at merchant locations
2 CashPoints for every Rs. 150 spent on other categories
Activation benefit of 500 CashPoints after the payment of joining fee
Up to Rs. 20,000 worth gift vouchers in a year as milestone benefits
1% fuel surcharge waiver (Max. Rs. 250) across all fuel stations on transactions between Rs. 400 to Rs. 5,000

Joining Fee: Rs. 500 | Annual Fee: Rs. 500
The Flipkart Axis Credit Card offers up to 5% cashback on spends at Flipkart and its partner merchants, with additional benefits like complimentary lounge access.

Key Features and Benefits:

5% cashback on spends at Flipkart
4% cashback on shopping with other preferred merchants, including Cleartrip, Cult.fit, PVR, Swiggy, and Uber
1% cashback across all other categories
Activation benefits from Flipkart and Swiggy worth Rs. 600
4 complimentary domestic lounge access in a year on spending Rs. 50,000 in the previous 3 months
1% fuel surcharge waiver (Max. Rs. 400 per month) for transactions worth Rs. 400 to Rs. 4,000

Joining Fee: Rs. 999 | Annual Fee: Rs. 999
The HSBC Cashback Credit Card offers up to 10% cashback on select categories, and a base cashback of 1.5% on other spends, along with travel benefits.

Key Features and Benefits:

10% cashback on dining, food delivery, and grocery spends
1.5% unlimited cashback on all other categories
4 complimentary domestic lounge visits every year (Max. 1 per quarter)
Amazon e-voucher worth Rs. 1,000 on spending Rs. 10,000 or more within 30 days of card issuance