Best Credit Cards in India for Maximum Online Shopping Cashback
Why Your Credit Card Choice Matters for Online Shopping
The right credit card can add 2-10% savings on top of every coupon, bank offer and sale price. Over a year of regular online shopping, this compounds to tens of thousands of rupees. Here are the best cards for Indian online shoppers in 2024.
Amazon Pay ICICI Credit Card (Best for Amazon)
Cashback: 5% on Amazon Prime purchases, 3% on others, 1% everywhere else
Annual Fee: FREE (lifetime)
Why get it: If you spend ₹3,000+ on Amazon monthly, this card pays for itself in cashback alone. No reward points hassle — cashback credited directly to your Amazon Pay wallet.
Flipkart Axis Bank Credit Card (Best for Flipkart)
Cashback: 5% on Flipkart & Myntra, 4% on preferred merchants (Swiggy, PVR, Cleartrip), 1.5% everywhere
Annual Fee: ₹500 (waived if annual spend > ₹2,00,000)
Why get it: The Flipkart-Myntra combination makes this card essential for fashion + electronics shoppers.
HDFC Regalia Credit Card (Best Overall Rewards)
Reward Points: 4X on all transactions, 2X on utility, 1X others
Annual Fee: ₹2,500 (waived at ₹3,00,000 annual spend)
Why get it: Premium card with 1:1 reward point transfer to airline miles. Best for high spenders who also travel.
SBI SimplySAVE Credit Card (Best for Beginners)
Reward Points: 10X on dining, movies, grocery; 1X on others
Annual Fee: ₹499 (waived at ₹1,00,000 annual spend)
Why get it: Entry-level card with great everyday benefits. SBI is also a regular partner for Flipkart and Amazon bank offers.
The Card Stacking Strategy
Power shoppers hold 2-3 cards: one Amazon-linked, one Flipkart-linked, and one general cashback card. The strategy:
- Find the best coupon code on DealsBazaar
- Apply the coupon at checkout
- Select the bank offer matching your card
- Pay with the appropriate credit card for extra cashback
This 3-layer approach is how savvy Indian shoppers save 25-35% on every purchase.
