Best Credit Cards for Online Shopping for 2024

In today’s digital era, online shopping has become an integral part of our daily lives, driving an increased demand for credit cards that offer tailored benefits for digital consumers. In 2024, Indian banks and NBFCs are meeting this demand by offering a range of online shopping credit cards, each designed to maximize rewards and enhance savings on digital purchases. These cards come loaded with appealing features such as generous cash back offers, valuable reward points, and exclusive discounts on a broad spectrum of e-commerce platforms.

To help you effectively navigate this evolving landscape, we’ve developed a comprehensive guide to the best online shopping credit cards in India for 2024. Each card in our guide has been meticulously chosen to optimize your shopping experience, ensuring both rewarding benefits and secure transactions. Whether you’re tech-savvy, a regular online shopper, or occasionally indulge in online retail, our guide aims to assist you in selecting the perfect credit card to complement your digital shopping needs in the coming year.

Key Benefits of Online Shopping Credit Cards


  • Elimination of yearly fees offers pure savings while retaining premium benefits.

Increased Credit Limits: 

  • Substantial credit limits allow for greater financial freedom during sales.

Enhanced Rewards: 

  • Higher rewards for online transactions, offering cashback or points.

Exclusive Offers:

  • Access to early sales, member-exclusive discounts, and special promotions.

Flexible Payment:

  • Easy EMIs for managing big-ticket purchases without financial strain.

Global Shopping:

  • Accepted worldwide, facilitating seamless international transactions.

Purchase Protection:

  • Safeguards against damage or theft, with some cards offering price protection.
  • These benefits enhance online shopping, making each purchase more rewarding and secure.

Top 5  Shopping Credit Cards in India 2024

HDFC Millennia Credit Card

The HDFC Millennia Credit Card is a compelling option for those who prioritize rewards and convenience in their spending habits. Designed for the modern shopper, it offers substantial cashback on popular platforms such as Amazon, Zomato, and Swiggy, along with benefits like EMI cashbacks and wallet reloads. With an initial fee that is offset by a matching gift voucher, this card blends practicality with value, making it an attractive choice for both salaried and self-employed individuals.


The HDFC Millennia Credit Card offers an array of benefits tailored for optimal shopping and travel experience


  • 5% on partner sites like Amazon, Flipkart, and more, plus 1% on all other non-fuel spends.

Milestone Rewards:

  • Quarterly and annual rewards, including fee waivers and vouchers, on spending INR 1 lakh.

Fuel Benefits:

  • 1% surcharge waiver on fuel transactions between INR 400 and INR 5,000, capped at INR 250 monthly.

Dining Discounts:

  • Up to 20% off at partner restaurants via Swiggy Dine Out.

Welcome Offer:

  • INR 1,000 gift voucher equivalent to the joining fee.

Lounge Access:

  • Limited domestic lounge access, enhancing travel comfort.

Fees & Charges

Type of Fee or Charge Amount
Joining Fee INR 1,000
Annual Fee INR 1,000
Finance Charges 3.6% per month / 43.2% per annum
Late Payment Charges – Less than Rs. 100: Ni
– Rs. 100 to Rs. 500: Rs. 100
– Rs. 501 to Rs. 5,000: Rs. 500
– Rs. 5,001 to Rs. 10,000: Rs. 600
– Rs. 10,001 to Rs. 25,000: Rs. 800
– Rs. 25,001 to Rs. 50,000: Rs. 1,100l

Axis Bank Neo Credit Card

The Axis Bank Neo Credit Card offers budget-conscious consumers a way to save on everyday expenses with a low annual fee of INR 250. It features discounts and cashback on major platforms like Amazon Pay, BookMyShow, and Myntra, plus savings on dining and utility bills. This card is ideal for those who frequently shop and dine out, looking to maximize rewards on their spending.


Dining and Entertainment Discounts:

  • Dining Delights: Up to 15% off at partner restaurants across India.
  • Brand Offers: Up to 40% off at top brands like Zomato, Amazon Pay, Myntra, and Blinkit.

Cashback and Savings:

  • Welcome Offer: 100% cashback up to Rs. 300 on the first utility bill payment within 30 days of card issuance.
  • Ongoing Discounts: Up to 10% off on Myntra and BookMyShow, and 5% off on utility bill payments via Amazon Pay.

Rewards Program:

  • eDGE Loyalty Program: Earn 2 rewards points for every Rs. 200 spent, redeemable from an exclusive catalog on the Axis Bank website.

Security and Convenience:

  • Lost Card Liability: Zero liability protection after reporting the loss to customer service.

Fees & Charges

Type of Fee or Charge Amount
Joining Fee Rs. 250
Annual Fee Rs. 250
Finance Charges 3.4% p.m. (49.36% p.a.)
Late Payment Fee Below Rs. 100 : Nil
Rs. 101 to Rs. 300 : Rs. 100
Rs. 301 to Rs. 1,000 – Rs. 300
Rs. 1,001 to Rs. 5,000: Rs. 500
Rs. 5,001 to Rs. 20,000 : Rs. 600
Rs. 5,001 to Rs. 20,000 Rs. 600


SBI Cashback Credit Card

The SBI Cashback Credit Card offers substantial rewards, featuring 5% cashback on all online purchases and 1% on offline transactions. With a joining fee of INR 999, it also provides benefits like a 1% fuel surcharge waiver, EMI options for purchases over INR 2,500, and an annual fee waiver for spending INR 2 lakhs. This card is ideal for those who primarily shop online and seek consistent cashback across various platforms.


Cashback Offers:

  • 5% Cashback on all online purchases, applicable across all platforms without merchant restrictions.
  • 1% Cashback on all offline spending, ensuring rewards on day-to-day purchases.

Fuel Benefits:

  • 1% Fuel Surcharge Waiver at all petrol pumps across India, capped at Rs. 100 per month.

Fee Waivers:

  • Renewal Fee Reversal when you spend Rs. 2 lakh annually, encouraging higher usage.

Convenient Cashback Process:

  • Cashback is auto-credited to the statement within 2 days of its generation, simplifying the rewards process.

Fees & Charges

Type of Fee or Charge Amount
Joining Fee INR 999
Annual/Renewal Fee INR 999
Finance Charges 3.5% per month (42% p.a.)
Late Payment Fee – Below Rs. 500: Nil
– Rs. 500 to Rs. 1,000: Rs. 400
– Rs. 1,000 to Rs. 10,000: Rs. 750
– Rs. 10,000 to Rs. 25,000: Rs. 950
– Rs. 25,000 to Rs. 50,000: Rs. 1,100
– Over Rs. 50,000: Rs. 1,300

HSBC Cashback Credit Card

The HSBC Cashback Credit Card offers up to 10% cashback on dining, food delivery, and groceries (capped at INR 1,000 per billing cycle) and 1.5% unlimited cashback on other spends. With a joining fee of INR 999, benefits include complimentary domestic lounge access and a fee waiver for annual spends over INR 2 lakh.

Benefits and Rewards

Welcome Bonus:

  • Amazon gift voucher worth Rs. 1,000 on spending Rs. 10,000 within the first 30 days.

Cashback Offers:

  • 10% cashback on dining, grocery, and food delivery (up to Rs. 1,000 per month).
  • 1.5% unlimited cashback on all other spends.

Lounge Access:

  • 4 complimentary domestic lounge visits per year (1 per quarter).

Annual Fee Reversal:

  • Waived on annual spends of Rs. 2 lakh or more.


  • Primary and add-on cardholders can independently avail the welcome bonus based on their respective card spends.

Fees & Charges

Type of Fee or Charge Amount
Joining Fee Rs. 999
Annual Fee Rs. 999
Finance Charges 3.49% per month (41.88% per annum)
Late Payment Fee 100% of the minimum payment due<br>Min. Rs. 250, Max. Rs. 1,200 per month

HDFC MoneyBack+ Credit Card

The HDFC MoneyBack Credit Card is a popular entry-level card in India, ideal for frequent online shoppers. It provides cashback on all transactions, with larger benefits for online purchases. The upgraded MoneyBack+ variant offers accelerated reward points on major brands like Amazon, Flipkart, BigBasket, and Swiggy, along with extra rewards on EMI spends, making it a versatile option for various spending needs.

Benefits and Rewards

Welcome Benefit:

  • 500 Cash Points on payment of the membership fee.

Quarterly Spend Benefit:

  • Rs. 500 gift voucher for spending Rs. 50,000+ per calendar quarter.

Renewal Offer:

  • Membership fee waiver on spending Rs. 50,000+ in the first year.

Fuel Surcharge Waiver:

  • 1% on transactions (Min Rs. 400, Max Rs. 5,000, up to Rs. 250 per statement cycle).


  • 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
  • 5X CashPoints on EMI spends at merchant locations.
  • 2 CashPoints per Rs. 150 spent on other transactions (Excludes fuel, wallet loads, and voucher purchases).

Dining Privileges:

  • Up to 20% off at partner restaurants via Swiggy Dineout.

Fees & Charges

Type of Fee or Charge Amount
Joining Fee Rs. 500
Annual/Renewal Fee Rs. 500 (Waived off on spending Rs. 50,000 or more in a year)
Finance Charges 3.6% p.m. (43.2% p.a.)
Late Payment Charges For Statement Balance:
Less than Rs. 100: Nil
Rs. 100 to Rs. 500: Rs. 100
Rs. 501 to Rs. 5,000: Rs. 500
Rs. 5,001 to Rs. 10,000: Rs. 600
Rs. 10,001 to Rs. 25,000: Rs. 800
Rs. 25,001 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300

Raed more


In 2024, the landscape of credit cards for online shopping has evolved to offer a plethora of benefits and conveniences tailored to the digital consumer. The best credit cards for online shopping not only provide cost-efficiency by eliminating yearly fees but also offer enhanced spending limits, rewarding purchases with higher cash back or points, and access to exclusive online deals. These cards also come with flexible payment options like easy EMIs, making big-ticket purchases manageable without financial strain. Furthermore, they offer global acceptance, ensuring a seamless shopping experience across international sites. With features like purchase protection and personalized shopping experiences, these cards redefine online shopping, making every transaction rewarding and secure. 


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