Friends, imagine you are shopping on Amazon or Flipkart and with every swipe you are getting a shower of cashback and rewards. Doesn’t this sound like a dream? But it can become a reality in 2025 if you choose the right credit card. Online shopping is no longer just a hobby, it has become a lifestyle and the best way to save money in it is a powerful credit card.
Today we will talk about the best credit cards for online shopping 2025, which are perfect for Indian shoppers. These cards not only offer discounts but also boost your wallet. Let’s go into detail and see which card is best fit for you.
What is needed in the best credit card for online shopping?
Nowadays people spend thousands of rupees every month on platforms like Amazon, Flipkart, Myntra, and Zomato. A good card here gives benefits like cashback, rewards points, and zero fees. In 2025, banks and e-commerce companies together are bringing such offers which were never seen before.
Like higher cashback rates, instant discounts, and even extra perks on fuel and groceries. But remember, when choosing a card it is important to match your spending habits – if you spend a lot online, focus on cards with high cashback.
Specifications (Main Credit Cards 2025)
| Credit Card Name | Short Specifications |
|---|---|
| Amazon Pay ICICI Bank Credit Card | 5% cashback on Amazon for Prime members, 2% on non-Amazon, no annual fee, lifetime free, unlimited savings on bills and fuel. |
| Flipkart Axis Bank Credit Card | 5% cashback on Flipkart, 4% on partners like Uber, 1.5% on others, no joining fee, welcome benefits up to ₹3,300. |
| SBI Cashback Card | 5% cashback on all online spends (up to ₹5,000/month), 1% on offline, annual fee ₹999 (waived on ₹2 lakh spend), easy EMI options. |
| HDFC Millennia Credit Card | 5% cashback on Amazon/Flipkart (up to ₹1,000/month), 1% on others, annual fee ₹1,000 (waived on ₹1 lakh spend), 1,000 bonus points on activation. |
| Axis Bank ACE Credit Card | 5% cashback on bill payments via Google Pay, 4% on Swiggy/Zomato, 1.5% on others, annual fee ₹499 (waived on ₹2 lakh spend), lounge access. |
This table is based on the latest offers, which are updated for 2025. Now let’s see these cards in detail, so that you can decide which one is best for you.
Amazon Pay ICICI Bank Credit Card
This card is a favourite of online shoppers, because if you are a Prime member, you get 5% cashback on Amazon – it’s unlimited! 3% for non-Prime and 2% on other spends. There is no annual fee and it’s lifetime free. Plus, fuel surcharge waiver and extra savings on bill payments. If you buy groceries or gadgets from Amazon every month, then this card will save you money. Just check the eligibility – minimum income required is ₹25,000/month.
Flipkart Axis Bank Credit Card
This is made for Flipkart lovers. 5% cashback on Flipkart, and 4% on partners like Uber, PVR. 1.5% on everything else. ₹500 Flipkart vouchers are given as welcome bonus, and annual fee gets waived if you spend ₹2 lakh. In 2025, this card will give extra discounts during Big Billion Days sales. If you buy fashion or electronics from Flipkart, then this is perfect. The fee is ₹500, but will be easily recovered.
SBI Cashback Card
This is simple and powerful. 5% cashback (max ₹5,000/month) on all online spends, which is available in Seedha statement credit. 1% on offline, and no category restrictions. Annual fee is ₹999 but waived on ₹2 lakh spend. Plus, discounts on movie tickets and fuel. This card is good for beginners as it’s direct cashback, no complicated rewards points.
HDFC Millennia Credit Card
5% cashback (up to ₹1,000/month) on platforms like Amazon, Flipkart, BookMyShow, and 1% on the rest. Cashback points can be converted into vouchers. Annual fee ₹1,000, waived on ₹1 lakh spend. The card is being further improved with more partners. If you do mixed online shopping, then this is a flexible option.
Axis Bank ACE Credit Card
It gives 5% cashback on Google Pay via bill payments, which is useful for online shopping. 4% on Swiggy, Zomato, and 1.5% on the rest. Annual fee ₹499, waived on ₹2 lakh spend. Plus, airport lounge access and fuel surcharge waiver. If you use UPI and food delivery a lot, then this card is beneficial.
Important Points to Remember
- At the time of applying, your CIBIL score should be 750+.
- Keep documents like PAN, Aadhaar, salary slip ready.
- Banks give quick approval on applying online.
- Compare fees – more cards get waived if you spend certain amount.
Security in 2025
Frauds are increasing in online shopping, so choose cards with EMV chip, and keep two-factor authentication on. In 2025, with the new rules of RBI, cards will become more secure with tokenization.
Summary
If you are a heavy Amazon user then take ICICI card, for Flipkart take Axis, and for general online spends take SBI or HDFC. These cards will make your shopping smarter and save money.
FAQs
How to waive annual fee of credit card?
In most of the cards, fee is waived on annual spend of ₹1-2 lakh. Check your spending habits.
How to get cashback for online shopping?
Pay with card, and cashback will be automatically credited in the statement or converted into points.
Do these cards work for international shopping?
Yes, but foreign transaction fee can be 2-3.5%. ICICI and Axis cards have low fees.
Which is the best card for new users?
SBI Cashback Card, because it is simple and has no category limits.
