Best Credit Cards for Online Shopping In India 2019

  • A common card – Used for general purposes like payment of fuel, utility bills, shopping and for dinning.
  • A shopping card – Helps to get benefits while doing shopping at online and offline.
  • A top brand privilege card – Helps to get exclusive partnership offers and deals along with some privilege benefits.
  • A co-branded card – Exclusively to shop at your favourable shopping site.

Best Credit card for Shopping Online in India

#1. SBI SimplyCLICK Credit Card

SBI SimplyCLICK card offers 10 reward points for every Rs.100/- spends with leading shopping sites such as Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart and UrbanClap.

Even if you shop at any other shopping sites you will get 5 reward points for every Rs.100/- purchase.

The card comes with an annual renewal fees of Rs.499/- which is also waived if your annual spending is Rs.1,00,000/-

So this card is suitable for who do online shopping on various sites with an annual spending limit of Rs.1,00,000/- to Rs.2,00,000/-.

You will also get a joining benefit of Amazon gift card worth of Rs.500/-.

Annual fees: Rs.499/-. Reversed if annual spending is Rs.1,00,000/-

Rewards:

  • 10 points per Rs.100/- spend at Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart and UrbanClap.
  • 5 points per Rs.100/- spend at all other online shopping.
  • 1 point per Rs.100/- for remaining transactions.

Reward Redemption: only for products and offers featured on their portal

Other Benefits:

  • Cleartrip e-voucher of Rs.2,000/- if your annual spend is Rs. 1 Lakh and additional e-voucher of Rs.2,000/- if your annual spending limit is Rs. 2 Lakhs.
  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000. The maximum surcharge waiver is Rs.100/- per statement cycle.

Disadvantage:

  • No cashback offers..

#2. American Express Membership Rewards Credit Card

The best feature of the American Express Membership Rewards credit card is earning 1000 reward points (worth Rs.250/-) when you do 4 online shopping each worth of Rs.1000/- per month.

Trick – Add Rs 4000 by making 4 transactions in any wallet then use that money for shopping and other bill payments.

This way you can save Rs.3000/- per year.

The card offers joining bonus of 4000 reward points worth Rs.1000/- if you use your card three times within 60 days of enrollment.

You can also use the reward points to pay the outstanding amount of the credit card bill

Annual fees:

1st year – Rs.1,000/-.

2nd year onwards – Rs.4500/-.

Waived off if annual spending is Rs.1,50,000/- or 50% off if your annual spending is Rs.90000/- to Rs.1,49,999/-

So the card is worthy if your annual spend through the card is Rs.1.50 Lakhs to 3.00 Lakhs.

Other Benefits:

  • 1 reward point for Rs.50/- except spends on fuel, utilities, insurance and cash withdrawals.
  • Fuel convenience fee waiver up to Rs.25000/- and 0.30% convenience fee for above Rs.25000/-.
  • You can pay your outstanding and renewal fee using the reward points.

Disadvantages:

  • High annual renewal fee.
  • Reward rate is low.

#3. Standard Chartered Ultimate Credit Card

SC Ultimate Credit Card is a privilege card exclusively designed for high net-worth individuals to fulfil their lifestyle needs.

For every shopping, you will get 5 reward points for every Rs.150/-. Each reward point is worth Rs.1/-.

If you travel to foreign countries and love to do shopping of duty-free products, you will get benefited by earning 5% cash back to the maximum of Rs.1000/-.

Along with shopping benefits, you will also get travel benefits like airport lounge access and cashback offers on MakeMyTrip

You must have an annual spending limit of Rs.7.50 lakhs to Rs.10.00 Lakhs to get the full benefits of the card.

Annual fees: Rs.5000/-.

Other Benefits:

  • Get cash back up to Rs 10,000 on the first transaction on MakeMyTrip within 90 days from the date of issuance.
  • You will get access to over 1000 airport lounges around the world along with a complimentary Priority Pass membership.
  • 1 Complimentary lounge access per month if you have spent Rs.20000/- in the previous month.
  • Air accident cover of Rs.10.00 lakhs
  • You will get access to 20 premier golf courses in India and 150 golf courses around the world.
  • Up to 25% discount on selected top 250 restaurants in India.
  • Low forex transaction fee (only 2%)

Disadvantage:

  • High annual fees.
  • Only suitable for high net-worth individuals.

Best Credit card for Shopping Online on Amazon

#4. Amazon Pay ICICI Credit card

Amazonpay ICICI Credit Card is a co-branded credit card by ICICI bank offering exclusive offers and reward points for Amazon prime and non-prime customers.

The main benefit is earning flat reward points worth of 5% of card spends for amazon prime member and 3% of card spends as reward points for non-prime members.

And one reward point is equivalent to Re.1/- which can be redeemed only at Amazon website or using Amazon pay.

The reward points are valid for lifetime and without any upper limits. So it literally means Amazon customers get 5% or 3% discount for every purchase using their credit card.

No annual fee charges make the card a must for Amazon shoppers.

At present, the card is available only for ICICI customers bank.

Annual fees: NIL

Rewards:

  • 1% for all spends on any merchant
  • 2% for all spends on Amazon pay merchants such as Swiggy, Bookmyshow, Yatra etc.
  • 2% of all customers on spends on digital categories on Amazon.in such as bill payments, recharge, wallet load etc.
  • 5% for Amazon prime members and 3% for non-prime members.

Reward Redemption: 1 point = Rs.1 at Amazon.in and Amazon pay.

Other Benefits:

  • No annual fees.
  • High reward conversion rate.
  • Fuel surcharge waiver.

Disadvantages:

  • The card is available only for ICICI bank customers.
  • No useful benefits for other shopping spend.

#5. American Express Charge Gold Card

One of the important benefits of American Express Gold Charge Card is earning 1000 reward points (worth Rs.250/-) when you do 6 online shopping each worth of Rs.1000/- per month. You can use the reward points to pay the outstanding amount of the credit card

Another important benefit is if you accumulated 18000 reward points in a year then you can use it to get Amazon voucher worth Rs.8000/-.

If you achieve 24000 reward points in a year, you can redeem it for Amazon voucher worth Rs.11,000/-.

So Amex Gold Charge card is very useful for those who like to shop at Amazon site.

The card also offers joining bonus of 4000 reward points worth Rs.1000/- if you use your card three times within 60 days of enrollment.

If you have annual spend of Rs.6 Lakhs to 10 Lakh,you must go for this card, so that you could get free Amazon voucher.

Annual fees: 1st year – Rs.1,000/-. 2nd year onwards – Rs.4500/-.

You can redeem 12000 reward points instead of paying the renewal fee of Rs.4500/-

Reward Redemption: 1 point = Rs.0.25 .

Other Benefits:

  • 1 reward point for Rs.50/- except spends on fuel, utilities, insurance and cash withdrawals.
  • Privilege offers whenever you book your travel through MakeMyTrip.com.
  • Enjoy up to 20% off every time you dine at select restaurant partners.
  • Fuel surcharge fee waiver.
  • You can pay your outstanding and renewal fee using the reward points.

Disadvantages:

  • High annual renewal fee.
  • It is a charge card.

Charge card means you have to settle the outstanding once the bill is generated. So there is no credit period. If payments are not made promptly then penalty fee of 5% of the outstanding monthly balance is charged.

Best Credit card for Shopping Online on Flipkart

#6. Axis Bank Buzz Credit Card

Axis Bank Buzz Credit Card is a must have credit card for Flipkart shoppers due to its usage benefit and milestone benefit for purchasing at Flipkart.

The following are the usage benefits for using the Axis Bank Buzz card at Flipkart.

  • Instant 10% discount on purchases made during 1st to 5th of every month.
  • For remaining days you will get a 5% discount.

The Axis Bank Buzz card also offers Flipkart vouchers for achieving annual Flipkart spends and for overall spends.

Milestone Benefits

Annual purchase limit on Flipkart Value of Flipkart voucher
Rs.25,000/-Rs.500/-
Rs.50,000/-Rs.1000/-
Rs.1,00,000/-Rs.2500/-
Overall Annual Spending limitValue of Flipkart Voucher
Rs.1,00,000/-Rs.1000/-
Rs.2,00,000/-Rs.2000/-

As a joining benefit, you will get Rs.1000/- worth of Flipkart Gift Voucher provided you should make three purchases within 45 days from the date of issuance.

This card is very useful for salaried people who shop at Flipkart with total annual spending of Rs.1,00,000/- to Rs.2,00,000/-.

Annual Fee: Rs.750/-

Rewards:

  • 6 points per Rs.200/- for online shopping other than travel spends.
  • 2 points per Rs.200/- for other offline spends.

Reward Redemption: 4 point = Re.1/- only for products and offers featured on their portal.

Other Benefits:

  • Joining benefit of Rs.1000/- worth Flipkart vouchers
  • 15% discount on partner restaurants across India.

Disadvantage:

  • Only useful for Flipkart shoppers.
  • Poor reward points for offline spends.

Best Credit card for Shopping Online on Snapdeal

#7. SnapDeal HDFC Credit Card

Snapdeal provides 20 reward points worth of Rs.10/- for every Rs.150/- spends for spends at Snapdeal, Urbanclap and Ticketnew.

For those who live in tier 1 cities and avail Urbanclap services for their home/office maintenance, beauty and spa services can get benefited from the Snapdeal HDFC card.

You will get joining benefit of Rs.500/- cash back for the first transaction done on Snapdeal.

The card also offers 5% instant discount for every transaction of Rs.2000/- and above on Snapdeal.

The reward system for other spends is very low (2 points for Rs.150/-).

So, the card is only useful for who purchase at Snapdeal and avail maintenance service from Urbanclap.

Annual Fee: Rs.500/-

Rewards:

  • 20 points per Rs.150/- for online shopping at Snapdeal, Tickenew and Urbanclap.
  • 2 points per Rs.150/- for other spends.

Reward Redemption: 2 point = Rs.1/- can be redeemed as Snapdeal voucher.

Other Benefits:

  • Special offers from Clear trip and Urbanclap.

Disadvantage:

  • Poor reward points for other spends.
  • Only useful for Snapdeal customers.

Best Credit card for Shopping in India

#8. Standard Chartered Mahanttan Platinum Card

Standard Chartered Manhattan Platinum Credit Card offers 5 % cashback discount at supermarket such as More, Big Bazar, Reliance Fresh, Spencers etc.

You will earn 3 points for every Rs.150/- spends on purchases other the supermarket store.

Thus SC Manhattan is suitable for general shopping as well as online shopping.

As a joining offer, you will get Bookmyshow vouchers worth Rs.2000/- if you do your first transaction within 90 days from the date of activation of the card.

To avail 5% Cashback discount at supermarkets, the following conditions must be fulfilled.

  • Minimum transaction should be Rs.1000/- for cashback
  • Maximum Cashback is restricted to Rs.150/- per transaction. That means you can purchase up to Rs.3000/- for a single transaction.
  • Maximum Cashback is restricted to Rs.500/- per month. Which means you can save up to Rs 6000 every year on your grocery spends.

A special offer of 5% cashback is available for SC Manhattan Card holders for those who purchase at Croma store or at their website valid up to 26th March 2019.

Annual fees: Rs.999/-. Waived off if you spend Rs.1,20,000/- per year.

Rewards: 3 points for Rs.150/- on purchases other than the supermarket store.

Other Benefits:

  • Bookmyshow voucher of worth Rs.2000/- as joining benefit.
  • 15% off for dining at 850 restaurants all over India.
  • Many time to time exclusive special offers are provided to SC Manhattan card holders related to shopping, travel and dining.

Special Offers

Special OffersValidity
12% discount on hotel bookings at hotels.comBookings done upto 31st December 2018 and the stay should be within 31st March 2019.
10% instant discount at Snapdeal for shopping on Saturdays. Max discount: Rs 1,000 per card per week. Min spends: Rs 2,500.Every Saturday upto 29th December 2018
You will get discount upto Rs 3,000/- on flight & hotel bookings at Musafir.comValid till 7th December 2018

Disadvantages:

  • Slightly higher annual fee.

#9. SBI Simply SAVE Credit Card

The most effective way of using SBI simply save credit card is using it for purchasing grocery items, departmental stores and dining because of its excellent reward point program.

You will earn 10 Reward points for every Rs.100/- spends on grocery, dining and movie. But for other spends you will earn 1 reward point on every Rs.100/-.

If you are salaried and spend monthly Rs.5000/- to Rs.10000/- on groceries, movies and dining. Then you can apply for SBI Simply Save card to get its maximum benefits.

As a welcome bonus, you can earn 2000 reward points by spending Rs.2000/- in first 60 days.

You can use the rewards to pay the outstanding due of the credit card.

Annual fees: Rs.499/-. Waived off if you spend Rs.1,00,000/- per year.

Rewards: 10 points for Rs.100/- on spends related to grocery, dining and movies.

1 point for Rs.100/- on other spends.

Reward Redemption: 4 points = Re.1/- only for products and offers featured on their portal.

Other Benefits:

  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000 upto Rs.100/- per statement cycle.
  • Rewards can be used to pay the credit card outstanding.

Disadvantages:

  • Very Poor rewards for online spends.
  • No benefit for high annual spending.

#10. Citibank Rewards Credit card

The notable shopping benefits of Citibank Rewards card is earning 300 bonus reward points for spending at least Rs.30,000/- per month.

You will get 10 reward points for every Rs 125 spends at stores related to grocery, apparel and with partner brands.

Citibank Rewards credit card is good for who do conventional shopping along with online spending. All you need to do is mix your monthly grocery purchase at supermarkets and online purchase, in a way that the total purchase value if Rs.30,000/-.

BenefitsOffline Shopping at grocery/apparel shop

(considered monthly Rs.5000/-)

Online Spending

(Considered monthly Rs.25,000/-)

Rewards earned400 pts500 pts (200+ 300 bonus)
Reward redemption using portalRs.120/-Rs.150/-
Rewards redeemed to pay outstandingRs.140/-Rs.175/-
Total amount savedRs.315/-

You will get a welcome bonus of 1500 reward points for the first spend within 30 days of card issuance. In addition to that, a special welcome rewards offer of 1000 reward points for the first spend of Rs.1000/- within 60 days of card issuance valid upto 31st March 2019.

Annual fees:

1st Year (Joining fee) – Nil.

2nd year onwards Rs.1000/- Waived off if you spend Rs.30,000/- per year.

Reward points & Benefits:

  • 10 points for Rs.125/- on spends related to grocery, apparel and with partner brands.
  • 1 point for Rs.125/- on other spends.
  • Joining bonus upto 2500 points valid upto 31st March 2019.
  • Rewards can be used to pay the credit card outstanding but minimum points must be 5000.

Reward Redemption: The rewards can be used for products and offers featured on their portal, e-shopping sites and partner outlets (1 point = 0.30 paise). To pay credit card outstanding (1 point = 0.35 paise)

Disadvantages:

  • Very Poor reward system for other spends.
  • No good benefit for high annual spending.

#11. HDFC Bank Regalia Credit Card

HDFC Regalia Credit card is very useful for those who need a shopping credit card along with some premium travel benefits. The idea of giving reward points for achieving the annual spending limits makes the card useful for the shopping with travel benefits.

If your annual spends are Rs.5,00,000/- you will earn 10000 reward points and when you reach Rs.8,00,000/- then you will get 5000 additional reward points. But these reward point has a validity of 2 years.

You need to get salary more than Rs.1.50 Lakhs per month or you need to have an annual income of Rs.12.00 Lakhs to get this card.

You can apply for this card if you spend Rs.5,00,000/- to Rs.8,00,000/- per year.

Annual fees: Rs.2500/- per year (Waived off if annual spending is Rs.3.00 Lakhs)

Rewards: 4 points for Rs.150/- on spends related to grocery, apparel and with partner brands.

Reward Redemption: The rewards can be used for products and offers featured on hdfcbankregalia.com (1 point = 0.50 paise).

Other Benefits:

  • Joining bonus 2500 points and renewal bonus 2500 points (only if you have paid the renewal fee).
  • 15% discount on dining at premium restaurants across India.
  • 1% Fuel surcharge waiver maximum Rs.500/- per billing cycle.
  • Complimentary Club Vistara Silver Membership.
  • Complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world.
  • 12 complimentary lounge access per calendar year

Disadvantages:

  • Reward points have validity (2 years).

Conclusion

SBI Simply Click Credit Card is suitable for all online shoppers as it covers most of the top online shopping websites.

If you love both online and offline shopping then simply apply for Standard Chartered Mahanttan Platinum Card. The shopping benefits and the special discount offers with partnership firms makes it the best choice for any form of shopping.

If you prefer high lifestyle shopping then SC Ultimate Credit card and HDFC Regalia may be suitable for you.

Choose the co-branded credit cards for your favourite online store only as secondary. Because these cards will not have other benefits like fuel surcharge waiver, travel benefits etc.

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