There are credit cards suited to everyone’s needs. Among them is a category of credit cards aimed at those who do a lot of online shopping. These cards offer users discounts, cashbacks and rewards for their spending done online.
ET Wealth Online lists credit cards for online shopping from the top banks in India (based on RBI’s data on credit cards outstanding as of September 2023 ). Do note that these are not ranked in any particular order; the information is based on what is available on the bank websites collected on November 24, 2023.
Also read: Top credit cards with best cashback deals
HDFC Bank
Tata Neu Infinity HDFC Bank Credit Card
Benefits and rewards
- Get 1,499 NeuCoins as a welcome benefit when you pay the joining fee of ?1,499 + taxes.
- Earn 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands and 1.5% NeuCoins on non-Tata brand spends
- 8 complimentary domestic airport lounge access and 4 complimentary international airport lounge access with Priority Pass
- 1% fuel surcharge waiver at fuel stations across the country.
Fee
- Joining/Renewal Membership Fee – Rs 1,499/- + Applicable Taxes. Spend Rs 3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
HDFC Millennia Credit Card
Benefits and rewards
- 5% cash back on purchases made at Amazon, Flipkart, Myntra, Tata CLiQ, Uber, and Zomato.
- 1% cashback on all other spends except fuel.
- Rs 1000 worth gift vouchers on spends of Rs 1,00,000 and above in each calendar quarter.
- Up to 20% discount on partner restaurants via Swiggy Dineout.
- 1% fuel surcharge waiver, up to Rs 250 in a month on transactions between Rs 400 to Rs 5,000.
Fee
- Joining/Renewal Membership Fee – Rs 1,000/- + Applicable Taxes. Spend Rs 1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off .
ICICI Bank
Amazon Pay ICICI Credit Card
Benefits and rewards
- 5% cashback on transactions made on Amazon for Amazon Prime members
- 3% cashback on transactions made on Amazon for non-Prime members
- 2% cashback on online purchases from over 100 Amazon Pay merchant partners
- 1% surcharge waiver for all fuel purchases
- 1% cashback on all payments
- Reward earnings can be used to make purchases on Amazon and with more than 100 merchant partners
Fee
- There is no joining fee and no annual fee on amazon pay credit card.
State Bank of India
Cashback SBI Card
Benefits and rewards
- *Cashback not applicable on Merchant EMI & Flexipay EMI transactions and on following categories: Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways etc.. For complete list of exclusions, refer
- Reversal of Renewal Fee on annual spends of Rs.2 Lakh
- 1% Fuel Surcharge Waiver across all petrol pumps in India
Fee
- Joining Fee (one-time): Rs. 999. Renewal Fee (Per Annum): Rs. 999 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
Axis Bank
Axis Bank Neo Credit Card
Benefits and rewards
- 10% off on every purchase of a movie
- 10% off on shopping with Myntra on each instance at spending of at least Rs 500
- 40% off on Zomato on food delivery
- 5% off on utility bill payments via Amazon Pay
- 1 reward points on every Rs 200 spent
- Minimum 15% discount at partnered restaurants across India.
Fee
- Joining fee: Rs 250. Annual Fee: Rs 250
Axis Bank ACE Credit Card
Benefits and rewards
- 5% cashback on utility bill payments, DTH and mobile recharges via Google Pay
- 4% cashback on Swiggy, Zomato and Ola
- 2% cashback on all other spends
- 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
Fee
- Joining fee of Rs 499 is waived on spending Rs 10,000 within 45days of card issuance.
IDFC First Bank
IDFC First Select Credit Card
Benefits and rewards
- 10X Reward Points on incremental spends above Rs 25,000 per month and spends done on your birthday
- 6X & 3X Reward Points on online & offline purchases respectively for spends up to Rs 25,000 per month
- Buy one, get one’ offer on movie tickets up to Rs 250 on Paytm mobile app (valid twice per month)
- 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
- Up to 15% discount at 3000+ Health & Wellness outlets
Fee
- No annual fee. Lifetime Free Credit Card
Kotak Mahindra Bank
Myntra Kotak Credit Card
Benefits and rewards
- Earn unlimited 1.25% cashback on spends across all other online and offline merchants
- No cashback will be accrued on spends across Rent, Wallet and Fuel categories
- Transactions/Balance converted into EMI will be excluded from cashback and any cashback accrued on these transactions will be reversed
- Get Instant Discount of 7.5% on all spends done across Myntra Platforms (Mobile app/website)
- Avail a maximum discount of Rs.750 per transaction.
- Enjoy 2 complimentary PVR tickets worth Rs.250 each on spending over Rs.50,000/- every calendar quarter
- Spends across Rent, Wallet, Fuel & EMI transactions categories will not be considered for quarterly benefits
Fee
- Annual fee of Rs. 500 waived on spending Rs. 2 lakh in the previous anniversary year.
American Express
American Express SmartEarn™ Credit Card
Benefits and rewards
- Transact on Zomato, Ajio, Nykaa, BookMyShow, Uber and many more and get 10X rewards for every Rs. 50 spent.
- Transact on Amazon and Paytm Wallet and get 5X rewards for every Rs. 50 spent.
- On Spending INR 2500 in a month on our 10X Partner (Zomato), you will earn 500 Membership Rewards points
- On Spending INR 2500 in a month on our 10X Partner (BookMyShow, Flipkart, Uber and other partners), you will earn 500 Membership Rewards points
- On Spending INR 2500 in a month on our 5X Partner (Amazon and Paytm Wallet), you will earn 250 Membership Rewards points.
Fee
- Annual Fee of Rs. 495 plus applicable taxes.
- Get a renewal fee waiver on eligible spends of Rs.40,000 and above in the previous year of Card membership.
HSBC India
HSBC Cashback Credit Card
Benefits and rewards
- 0% accelerated cashback on all dining, food delivery and grocery spends (capped up to INR1,000 per billing cycle)
- 1.5% unlimited cashback on all other spends (exclusions apply)*
- 4 complimentary domestic lounge visits per year (1 per quarter)
Fee
- Annual membership fees of Rs 999 will be reversed if your total annual spend exceeds Rs 200,000
(Writer can be contacted on sneha(dot)kulkarni(dot)@timesinternet(dot)in)
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