By Earnow • February 25, 2025
Online shopping has become a daily necessity, whether for groceries, gadgets, fashion, or travel bookings. To make the most of your purchases, using the right credit card can help you earn cashback, discounts, and rewards. But which credit card is best for online shopping in 2025?
We’ve analyzed top credit cards based on cashback, reward points, and exclusive benefits. Let’s find out which one suits your online shopping needs the best!
Top Credit Cards for Online Shopping – 2025
| Credit Card | Best For | Annual Fee | Rewards & Benefits |
| Amazon Pay ICICI Bank | Amazon Shopping | ₹0 (Lifetime Free) | Up to 5% cashback on Amazon purchases |
| Flipkart Axis Bank | Flipkart & Partner Stores | ₹500 | 5% cashback on Flipkart, 4% on Myntra & Swiggy |
| HDFC Millennia Credit Card | Cashback on Online Spends | ₹1,000 | 5% cashback on Amazon, Flipkart, and Zomato |
| SBI SimplyCLICK | E-commerce Transactions | ₹499 | 10x rewards on Amazon, BookMyShow, Cleartrip |
| Citi Cashback Credit Card | Bill Payments & OTT | ₹500 | 5% cashback on utility bills, movie tickets, & food |
1. Amazon Pay ICICI Bank Credit Card – Best for Amazon Shoppers
This lifetime-free credit card is a top choice for frequent Amazon shoppers. With up to 5% cashback and zero hidden fees, it’s a must-have for those who love to shop on Amazon.
Key Benefits:
✅ 5% cashback for Amazon Prime members
✅ 3% cashback for non-Prime users
✅ 1% cashback on all other transactions
✅ No annual or joining fee
Why You Should Get It:
✔️ Ideal for Amazon shoppers
✔️ Lifetime free with no hidden charges
✔️ Cashback is automatically credited to Amazon Pay
Why You Might Skip It:
❌ Limited benefits outside of Amazon shopping
❌ No premium travel or dining perks
⭐ Overall Rating: 4.8/5
2. Flipkart Axis Bank Credit Card – Best for Flipkart & Partner Brands
If you frequently shop on Flipkart, Myntra, or Swiggy, this card offers some of the best cashback rates.
Key Benefits:
✅ 5% cashback on Flipkart purchases
✅ 4% cashback on Myntra, Swiggy, and Uber
✅ 1.5% cashback on all other transactions
✅ Complimentary lounge access
Why You Should Get It:
✔️ Great for Flipkart, Myntra, and Swiggy users
✔️ Low annual fee with high cashback rewards
✔️ Extra benefits like travel & dining offers
Why You Might Skip It:
❌ Cashback capped on certain spends
❌ Not useful if you don’t shop on Flipkart
⭐ Overall Rating: 4.7/5
3. HDFC Millennia Credit Card – Best Overall Cashback Card
This card is great for young shoppers who want maximum cashback on leading e-commerce sites like Amazon, Flipkart, and Zomato.
Key Benefits:
✅ 5% cashback on Amazon, Flipkart, Zomato, & Swiggy
✅ 1% cashback on all other spends
✅ 8 complimentary airport lounge access per year
Why You Should Get It:
✔️ High cashback on top e-commerce platforms
✔️ Lounge access for frequent travelers
✔️ Great for millennials and online shoppers
Why You Might Skip It:
❌ Cashback is credited after a minimum spend threshold
❌ Annual fee of ₹1,000 (waived on spending ₹1 lakh per year)
⭐ Overall Rating: 4.5/5
4. SBI SimplyCLICK Credit Card – Best for Rewards on Online Spends
For those who prefer earning reward points instead of direct cashback, this SBI card is an excellent option.
Key Benefits:
✅ 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart
✅ ₹500 Amazon gift card on joining
✅ 1% fuel surcharge waiver
Why You Should Get It:
✔️ High reward points on e-commerce sites
✔️ Best for frequent travellers and moviegoers
✔️ Easy redemption for gift vouchers
Why You Might Skip It:
❌ No cashback—only rewards
❌ Rewards expire if not redeemed in time
⭐ Overall Rating: 4.3/5
5. Citi Cashback Credit Card – Best for Utility Bills & OTT Subscriptions
If you frequently pay bills or subscribe to OTT platforms, this card offers direct cashback without complicated rewards programs.
Key Benefits:
✅ 5% cashback on bill payments & movie tickets
✅ 10% discount on select OTT subscriptions
✅ 0.5% cashback on all other spends
Why You Should Get It:
✔️ Best for utility bill payments & entertainment
✔️ Simple cashback system, no complex rewards
✔️ Low annual fee compared to benefits
Why You Might Skip It:
❌ Cashback percentage is lower than competitors
❌ No e-commerce-specific rewards
⭐ Overall Rating: 4.2/5
So Which Credit Card is Best?
The best credit card for online shopping depends on where you shop the most. Here’s a quick recommendation:
- Amazon Shoppers: Get the Amazon Pay ICICI Bank Card
- Flipkart & Myntra Users: Go for the Flipkart Axis Bank Card
- Overall Best Cashback Card: HDFC Millennia Credit Card
- Rewards & Discounts Lovers: SBI SimplyCLICK Credit Card
- Bill Payments & OTT Fans: Citi Cashback Credit Card
Before applying, check for special offers and cashback deals on Earnow to maximize your savings!
