In 2025, online shopping becomes smarter when you pay with the best credit card for online shopping. From students buying books to parents buying electronics, credit cards can help you save money, earn cashback, and enjoy no-cost EMI offers.
But not all credit cards are the same. Some give better rewards on Amazon, some on Flipkart. Some cards are good for beginners, while others offer lifetime-free benefits.
Let’s explore the best options for online shopping in India this year.
✅ Important Things to Check Before Choosing a Credit Card
When picking a best credit card for online shopping, check these things:
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✅ Cashback or Rewards – Do you want instant cashback or points to use later?
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✅ No-Cost EMI Option – Can you buy now and pay later without extra cost?
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✅ Annual Fees – Some cards are free forever, some charge yearly.
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✅ Online Partner Offers –Enjoy special online partner offers with the Best Credit Cards for Online Shopping, such as additional cashback on Amazon and Flipkart purchases.
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✅ Student/Beginner Friendly – Easy approval and low fees are helpful for first-time users.
🏆 5 Credit Cards for Online Shopping in India (2025 Edition)
Explore the Best Credit Cards for Online Shopping in 2025, curated for maximum savings and rewards.
1. Amazon Pay ICICI Credit Card
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Great for Amazon users
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5% cashback for Prime members
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No annual fee (lifetime free)
2. Flipkart Axis Bank Credit Card
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Best for Flipkart, Myntra, PhonePe
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5% cashback on Flipkart
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4% on preferred partners
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₹500 yearly fee (usually waived)
3. HDFC Millennia Credit Card
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Cashback on Amazon, Flipkart, Zomato, Swiggy
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5% cashback on online spends
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₹1,000 annual fee (waived on high usage)
4. SBI Card Unnati
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Good for beginners & students
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No joining fee for 4 years
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Reward points on online and offline spends
5. Axis Neo Credit Card
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Great for students or low spenders
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Discounts on Amazon, Zomato, Blinkit
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₹250 annual fee
📊 Quick Comparison Table
Here’s a quick table comparing the best credit cards for online shopping based on features, annual fees, and usage benefits.
| Card Name | Best For | Key Benefit | Annual Fee |
|---|---|---|---|
| Amazon Pay ICICI | Frequent Amazon Shoppers | Earn 5% cashback on Amazon + zero lifetime fee | ₹0 |
| Flipkart Axis Bank | Flipkart lovers | 5% cashback + extra offers | ₹500 (waived) |
| HDFC Millennia | Mixed online use | 5% cashback + EMI option | ₹1,000 |
| SBI Unnati | Students & First-Time Users | Simple approval process + earns reward points | ₹0 for 4 years |
| Axis Neo | Low spenders | Partner discounts | ₹250 |
💳 Best No-Cost EMI Credit Cards in India
If you buy expensive items online, no-cost EMI credit cards India help you split payment into months—without extra cost.
Best picks:
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✅ Amazon Pay ICICI – EMI on mobiles, electronics
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✅ HDFC Millennia – Partner store EMI options
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✅ Flipkart Axis – EMI on gadgets, fashion, furniture
If you prefer paying in parts without interest, choose the best credit card for online shopping with no-cost EMI options.
Tip: Always check EMI option during checkout before final payment.
🧮 Need Help Calculating EMI or Checking Loan Eligibility?
If you’re planning a big online purchase using EMI, make sure to estimate your costs accurately. Use the tools below to plan smarter:
| EMI Loan Calculator | Check Loan Eligibility |
🧠 How to Select the Right Credit Card for You
Your shopping habits decide the best credit card for online shopping—there’s no one-size-fits-all.
Not sure which card to choose? Use this easy method:
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✅ Shop mostly on Amazon? → Go for Amazon Pay ICICI
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✅ Use Flipkart often? → Flipkart Axis is better
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✅ Want no fees and easy use? → Try SBI Unnati
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✅ Like to split big buys into EMI? → HDFC Millennia is a good option
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✅ Just starting out? → Axis Neo is student-friendly
💡 Easy Tips to Save More with Your Credit Card
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✅ Use cards during big sale days – like Flipkart Big Billion Days
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✅ Combine credit card offers with site discounts
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✅ Always pay full bill on time – avoid extra charges
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✅ Redeem your reward points before expiry
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✅ Track offers using your bank’s mobile app
❌ Common Mistakes People Make
Avoid these to save money and protect your score:
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❌ Forgetting to check annual fees
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❌ Ignoring offer limits (like max cashback per month)
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❌ Missing bill due dates – leads to charges
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❌ Applying for too many cards together
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❌ Not reading terms & conditions
🙋♂️ FAQs – People Also Ask
Q1.In 2025, which card truly qualifies as the best credit card for online shopping? Discover our top picks.
A1. Amazon Pay ICICI is great for Amazon buyers. For Flipkart, go with Flipkart Axis Bank Card. For beginners, SBI Unnati is ideal.
Q2.Is it possible to get cashback through a credit card while shopping online?
A2. Yes! Cards like Amazon Pay ICICI and HDFC Millennia give cashback when you shop online.
Q3.What are no-cost EMI credit cards?
A3. These credit cards let you pay in parts without any extra cost. You can find these rewards on cards like Amazon Pay ICICI, Flipkart Axis, and HDFC Millennia.
Q4.Are there credit cards for students or beginners?
A4. Yes! SBI Unnati and Axis Neo are well-suited for first-time credit card users. Easy approval and low charges.
Q5.Which credit card is lifetime free in 2025?
A5. Amazon Pay ICICI is fully free for life. SBI Unnati is also free for the first 4 years.
Q6.How can I choose the best credit card for online shopping that suits me?
A6. To pick the best credit card for online shopping, check your shopping habits and which stores you visit most. Comparing cards based on cashback, EMI, and annual fees will help you find the right one.