Online shopping has become a part of our daily lives, and using the right credit card can help you save more while you spend. From cashback to reward points and exclusive partner discounts, here are the top 5 best credit cards for online shopping in India (2025) that every smart shopper should consider.

1. HDFC Swiggy Credit Card

• Annual Fee: ₹500 + GST (Lifetime Free offer on select links)
• Best For: Swiggy food, Instamart, Dineout & Genie
• Benefits: 10% cashback on all Swiggy spends, 5% on popular platforms like Amazon, Myntra
• Extra: Cashback auto-credit to Swiggy Money wallet every billing cycle
• Other Features: 1% fuel surcharge waiver, tap-to-pay enabled, easy EMI conversion
• Reward Type: Cashback credited as Swiggy Money usable across food, grocery, and delivery

👉 Apply Now

2. Flipkart Axis Bank Credit Card

• Annual Fee: ₹500 (Waived on ₹2L annual spend)
• Best For: Flipkart, Myntra, Swiggy, Cleartrip
• Benefits: 5% cashback on Flipkart, 4% on partner brands like Swiggy, Uber, PVR, Tata 1mg
• Extra: 1.5% cashback on all other spends with no upper limit
• Lifestyle Benefits: 4 complimentary domestic lounge access/year
• Dining: Up to 20% discount via Axis Bank Dining Delights
• Welcome Offer: ₹500 Flipkart voucher on first transaction

👉 Apply Now

3. HDFC Millennia Credit Card

• Annual Fee: ₹1000 (Waived on ₹1L spend per year)
• Best For: Amazon, Flipkart, Zomato, Swiggy, Uber
• Benefits: 5% cashback on major online brands, 1% on offline & wallet spends
• Extra: Up to 8 complimentary domestic airport lounge access/year (2/quarter)
• Reward Redemption: Cashback as statement credit
• Fuel Surcharge Waiver: 1% at all fuel stations (₹400–₹5000)
• EMI: Easy EMI conversion on transactions above ₹2500

👉 Apply Now

4. AU Small Finance Bank LIT Credit Card

• Annual Fee: ₹0 (Lifetime Free – No Hidden Charges)
• Best For: Users who want to customize their credit card benefits
• Benefits: Choose 2 features every month like:
  • 5% cashback on online shopping (Amazon, Flipkart)
  • Fuel surcharge waiver
  • Airport lounge access
  • International spending offers
• Extra: Manage benefits via AU 0101 app anytime
• Custom Fit: Only pay for the features you want – truly flexible card

👉 Apply Now

Final Thoughts

If you’re someone who shops online frequently, choosing the right credit card can help you earn big rewards and save on every purchase. Whether you’re an Amazon loyalist or a Flipkart fan, the above cards are the best credit cards for online shopping in India in 2025. Apply via trusted platforms like BankSathi to get instant approvals and offers.