Best Credit Cards for Online Shopping

Top Shopping Credit Cards in India 2026

Detailed Overview of Shopping Credit Cards in India

SBI SimplySave Credit Card

The SimplySAVE credit card offered by SBI is best suited for those who conduct their day-to-day transactions on credit cards. By offering accelerated rewards on popular spending categories such as grocery, movies, dining, etc., the credit card offers maximum benefits.

Features of SBI SimplySave Card

1. Accelerated Rewards: Earn 10X reward points for every Rs. 100 spent on dining, movies, departmental stores, and grocery expenses.
2. Standard Rewards: Get 1 reward point for every Rs. 100 spent on all other retail categories.
3. Welcome Bonus: Receive 2,000 bonus reward points as a welcome gift when you spend Rs. 2,000 or more within the first 60 days of card issuance.
4. Annual Fee Waiver: The annual membership fee is reversed for the following year if you spend Rs. 1,00,000 or more in the current year.
5. Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at any petrol pump across India.

HSBC Visa Platinum Credit Card

With a zero joining fee and annual fee offer, the Visa Platinum credit card offered by HSBC provides comprehensive benefits including cashback offers, discounts on travel and dining spends, movie ticket offers, accelerated reward points on category spends, etc.

Features of HSBC Visa Platinum Card

1. Welcome Offers: Receive a Rs. 250 Amazon e-gift voucher just for completing your application and video KYC online. Additionally, get Rs. 500 cashback by logging into the HSBC India Mobile App and spending Rs. 5,000 within the first 30 days.
2. Accelerated Milestone Rewards: Earn 5X rewards on all purchases after your total annual spending exceeds Rs. 4 lakh. This bonus is capped at a maximum of 15,000 accelerated reward points per year.
3. Flexible Air Miles Conversion: Your reward points can be converted into air miles with a host of premier partner airlines, including Air India, British Airways, Etihad Airways, and Singapore Airlines.
4. Standard Reward Points: For all other spending, you will earn 2 reward points for every Rs. 150 spent, ensuring you are rewarded for every transaction.
5. Fuel Surcharge Waiver: The card offers a waiver on the fuel surcharge applied to your fuel transactions, helping you save more on your fuel expenses.

HDFC Bank MoneyBack Plus Credit Card

If you wish to receive cash back on most of your credit card transactions, then the HDFC's MoneyBack credit card is for you. The card allows the users to accumulate reward points and redeem them for cash instead of gifts and rewards.

Features of HDFC Bank MoneyBack Plus Credit Card

1. Accelerated & Standard Rewards: Earn 10X CashPoints on major brands like Amazon, Flipkart, and Swiggy, and 2 CashPoints for every Rs. 150 spent on other purchases.
2. Bonus Vouchers and Welcome Offer: Receive a Rs. 500 gift voucher for spending Rs. 50,000 in a calendar quarter (up to Rs. 2,000 annually), plus a welcome benefit of 500 CashPoints upon fee payment.
3. Exclusive Dining Discounts: Get a 20% discount on restaurant bills when paying via Swiggy Dineout, with an additional 10% off by using the coupon code HDFCCARDS.
4. Annual Fee Waiver: Your renewal membership fee is waived for the subsequent year if you spend Rs. 50,000 or more in the current year.
5. Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, with a maximum waiver of Rs. 250 per statement cycle.

Axis Bank Buzz Credit Card

Axis Bank offers Buzz credit card that offers multiple shopping benefits that includes Flipkart vouchers, accelerated reward points, enables customers to convert purchases into EMI and a host of other benefits.

Features of Axis Bank Buzz Credit Card

The following is the list of Axis Bank Buzz credit card:

1. Welcome & Annual Vouchers: Receive a Rs. 1,000 Flipkart gift voucher after making just three purchases within the first 45 days, and earn additional Flipkart vouchers worth up to Rs. 8,000 annually through milestone spending.
2. Exclusive Monthly Flipkart Discounts: Get a 10% instant discount on Flipkart from the 1st to the 5th of every month, followed by a 5% instant discount for the remainder of the month.
3. Accelerated Online Rewards: Earn 3X Axis EDGE REWARDS on all your online shopping transactions, and get 2 reward points for every Rs. 200 spent on all other categories.
4. Dining Benefits: Enjoy a 15% discount at a wide network of partner restaurants located across the country.
5. Financial Flexibility: The card allows you to convert any large transaction over Rs. 2,500 into easy and manageable monthly installments (EMIs).

American Express® Gold Card

American Express Gold Card offers multiple shopping benefits along with other facilities, such as welcome gift, membership reward points, reward on fuel and utility, gold collection and many more.

Features of American Express Gold card

The following is the list of key features of American Express Gold Card:

1. Welcome & Monthly Bonus: Receive a welcome gift of 4,000 bonus Membership Reward points and earn an additional 1,000 bonus points every month you complete six transactions of Rs. 1,000 or more.
2. Accelerated & Standard Rewards: Earn 5X Membership Reward points on purchases made through the Reward Multiplier platform, and get 1 point for every Rs. 50 spent on nearly all other purchases, including fuel and utilities.
3. Premium Gold Collection Redemption: Redeem your points for high-value vouchers from the exclusive 18 and 24 Karat Gold Collection, featuring premier brands like Taj Hotels (up to Rs. 14,000), Tanishq (up to Rs. 9,000), and Flipkart (up to Rs. 8,000).
4. Exclusive Travel & Dining Perks: Enjoy valuable travel benefits through The Hotel Collection program and receive a 20% discount when dining at a wide selection of partner restaurants.
5. Fuel Convenience Fee Waiver: Get a 0% convenience fee on fuel transactions at HPCL pumps, providing direct savings on your fuel expenses.

Axis Bank Neo Credit Card

Axis Bank Neo credit card, a lifetime free credit card, offers the customers various shopping benefits that comes at a cost of Rs.250 as joining fee.

Features of Axis Bank Neo Credit Card

The key features of Axis Bank Neo credit card are listed in the table below:

1. Welcome & Utility Offer: Get 100% cashback (up to Rs. 300) on your first utility bill payment made within the first 30 days of card issuance.
2. Online & Entertainment Discounts: Enjoy a massive 40% discount on Zomato food delivery, 10% off on Blinkit and BookMyShow, and a Rs. 150 discount on Myntra.
3. Exclusive "Wednesday Offers": Every Wednesday, get special deals including a 15% discount on flights and hotels via Goibibo/Makemytrip, and 10% off on Swiggy, Amazon Fresh, and Tira.
4. Everyday Savings: Receive a 5% discount on bill payments (mobile, broadband, DTH) made via Paytm and enjoy a 15% discount at partner restaurants through Axis Bank Dining Delights.
5. Standard Rewards & Financial Flexibility: Earn 1 reward point for every Rs. 200 spent and have the option to convert any transaction over Rs. 2,500 into manageable EMIs.

How to Apply for a Shopping Credit Card Online

Applying for a credit card today is a convenient digital process. There are two primary online channels you can use to submit your application.

Method 1: Applying Directly via the Bank's Website

This is the most direct way to apply if you have already decided on a specific credit card from a particular bank.

Steps to Apply:

• Visit the Bank's Website: Navigate to the official website of the bank that issues the card you want.
• Find the Card: Locate your preferred shopping credit card from their list of products.
• Review and Apply: Click on the card to read its details, features, and terms. Once ready, click the "Apply" button.
• Complete the Form: You will be directed to an online application page. Fill in all the required fields accurately.
• Submit: After filling out the form, review the terms and conditions before accepting and submitting your application.

Method 2: Applying Through BankBazaar Website

This method is ideal if you want to explore and compare credit cards from various banks before making a decision. BankBazaar is a partner to over 50 banks and provides a single platform for this purpose.

Steps to Apply:

• Visit BankBazaar.com: Go to the BankBazaar website and select the "Credit Cards" option from the menu.
• Browse and Compare: You can view a comprehensive list of shopping credit cards from different banks, allowing you to compare them.
• Check Eligibility: Once you select a card, you can check your eligibility by providing basic information such as your name, location, and income.
• Complete the Application: If your profile meets the eligibility criteria, you will be taken to the online application page to fill in your details and submit.

What to Expect After Applying

Regardless of the channel you use, the process after submission is similar:

1. Application ID: You will receive an Application Reference Number upon successful submission.
2. Review: The bank typically takes 3 to 4 days to review your application.
3. Processing: If approved, your card will be processed and dispatched within 7 to 10 business days.
4. Tracking: You can use your Application ID to track the status of your application on either the bank's or BankBazaar's website.

Eligibility To Apply For Shopping Credit Cards

1. Applicant should be a citizen of India
2. Salaried or self-employed
3. Should have a decent credit history (Not applicable for first time borrowers)
4. Age of the applicant - Min. 21 years and Max. 60 years

Note: The eligibility criteria for shopping credit cards varies depending on card and card provider.

Documents Required to Apply for Shopping Credit Cards

The documents required to apply for shopping credit cards are mentioned below. Again, since each bank has a different requirement, for bank specific documentation, you need to check with the bank or its website.

1. Copy of identity proof such as Aadhaar card, passport, etc.
2. Copy of address proof document such as Voter's ID, Aadhaar, driving licence, electricity bill, passport, etc., whichever holds your current address
3. PAN card copy
4. Two months salary slips or IT Returns
5. Duly signed in application
6. One passport size photograph

Note: Contact the bank or the credit card provider to know more details about the documents required for a specific credit card.

Essential Tips for Safe Online Shopping

Protecting your financial information is crucial. Follow these key safety practices to prevent fraud.

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>