Top 5 Credit Cards for Online Shopping In India 2024: Compare & Apply

Introduction 

We all enjoy shopping online, whether it's for small items or big purchases. It's convenient and often cheaper than shopping in stores. Over the past few years, the demand for online shopping has grown rapidly, leading to an increased demand for online credit cards. 

These cards not only make online shopping more convenient but also offer rewards on every purchase. In this blog, we've compiled a list of the top 5 online shopping credit cards to make your shopping experience more enjoyable with rewards and special offers.

Top 5 Online Shopping Credit Cards 2024

1.Cashback SBI Credit card

This card is best for those who prefer online shopping for almost everything. It offers cashback on all online spending without any merchant restrictions.

Joining Fee: ₹999

Annual Fee: ₹999

Rewards & Benefits: 

• Get 5% cashback on all online spending.

• Earn 1% cashback on all offline spending.

• Cashback will be automatically credited within 2 days of statement generation.

• Enjoy a 1% fuel surcharge waiver of up to Rs. 100 per month.

Eligibility:

• Individuals applying must be aged between 21 and 70 years.

• Applicants must have a good credit score.

• The card is open to both salaried and self-employed individuals with a stable income source.

Click Here to Apply for Cashback SBI Credit Card

 

2.Axis Flipkart Credit Card

If you frequently shop on Flipkart, this card is ideal for earning cashback from the platform. It's also great for people who enjoy watching movies, ordering food, and travelling.

Joining Fee: ₹500

Annual Fee: ₹500

Rewards & Benefits: 

• Earn 5% cashback on Flipkart purchases.

• Earn 4% cashback on transactions made at PVR, Swiggy, Tata Play, cult.fit, Cleartrip, and other preferred merchants.

• Gain 1.5% cashback on all other expenditures.

• Get 1.5% cashback on Myntra, Flipkart Health, and Flight & Hotel payments on Flipkart.

• Enjoy 4 complimentary domestic airport lounge visits annually.

Eligibility:

• Individuals applying must be aged between 18 and 70 years.

• Applicants are required to have a good credit card score.

• Salaried individuals earning Rs. 15,000 and self-employed individuals earning Rs. 30,000 are eligible for this card.

Click Here to Apply for Axis Flipkart Credit Card

3.HSBC Cashback Credit Card

This card is ideal for individuals who aim to save money on everyday expenses and prefer receiving direct cashback instead of brand discounts or reward points.

Joining Fee: ₹999

Annual Fee: ₹999

Rewards & Benefits: 

• Earn 10% cashback on food delivery, dining, and grocery purchases.

• Earn 1.5% cashback on all other expenditures.

• Enjoy 4 complimentary domestic lounge visits per year, with one visit allowed per calendar quarter.

• Get a Rs. 1,000 Amazon voucher upon spending Rs. 10,000 within the first month.

Eligibility:

• Individuals applying must be aged between 18 and 65 years.

• Applicants are required to have a good credit card score.

• Applicants should have an annual income of Rs. 4 lakh or more.

Click Here to Apply for HSBC Cashback Credit Card

 

4.SBI Simply Save Credit Card

This card allows you to earn cashback and reward points on your everyday expenses, including dining, groceries, movies, departmental stores, and more.

Joining Fee: ₹499

Annual Fee: ₹499

Rewards & Benefits: 

• Receive 2000 reward points upon spending Rs. 2000 or more within 60 days of card issuance.

• Earn 10x reward points for every Rs. 150 spent on movies, groceries, dining, etc.

• Earn 1 reward point for every Rs. 150 spent on all other categories.

• Enjoy a 1% waiver on your fuel surcharge when you spend more than Rs. 500.

• Receive a cashback of Rs. 100 on your initial ATM cash withdrawal within 30 days of card issuance.

Eligibility:

• Individuals applying must be aged between 21 and 70 years.

• Applicants are required to have a good credit card score.

• The card is open to both salaried and self-employed individuals with a stable income source.
  
  

Click Here to Apply for SBI Simply Save Credit Card

 

 

5.Axis Neo Credit Card

If you're searching for a credit card with a low joining fee, this is a great option for you. You can receive instant discounts instead of cashback and reward points on your credit card expenditures.

Joining Fee: ₹250

Annual Fee: ₹250

Rewards & Benefits: 

• Receive a 40% discount, up to Rs. 120 per order, on food delivery via Zomato with a minimum order value of Rs. 200.

• Enjoy a 10% discount on Myntra for transactions of Rs. 500 and above.

• Get a 10% discount, up to Rs. 100 per month, on movie tickets via BookMyShow.

• Avail a 10% discount, up to Rs. 250, on a minimum transaction of Rs. 750 on Blinkit.

• Receive a 5% discount, up to Rs. 150 per month, on mobile recharge, broadband payment, and DTH recharge via Amazon Pay.

Eligibility:

• Individuals applying must be aged between 18 and 70 years.

• Applicants are required to have a good credit card score.

• Both salaried and self-employed individuals with stable incomes can apply for this card.

• Indian residents as well as non-resident Indians are eligible to apply for this card.

Click Here to Apply for Axis Neo Credit Card

 

Credit Card	Joining Fee (Rs.)	Annual Fee (Rs.)	Welcome Benefits
Cashback SBI Credit card	999	999	Amazon gift voucher worth Rs. 500
Axis Flipkart Credit Card	500	500	Flipkart voucher worth Rs. 500 and new Swiggy customers can enjoy a discount of Rs.100 on their first transaction.
HSBC Cashback Credit Card	999	999	Amazon gift voucher worth Rs. 1,000.
SBI Simply Save Credit Card	499	499	2,000 bonus reward points on spending Rs. 2,000 within the initial 60 days.
Axis Neo Credit Card	250	250	Get 100% cashback, up to Rs. 300, on the first utility bill payment within 30 days of card issuance.

 

Conclusion

These top online shopping credit cards come with their own benefits, each tailored to suit your needs. You can compare their rewards, joining fees, and eligibility criteria to select the best credit card for yourself and start earning rewards on your online shopping.

It's important to carefully review the terms and conditions before applying for any credit card to ensure you can enjoy maximum benefits.