6 Best Credit Cards for Online Shopping (Amazon, Flipkart, Myntra, Zomato)

We don’t swipe credit cards every day for jewelry and flights, do we? But we do buy a lot from Amazon, Flipkart, Myntra, and Zomato every day.

These apps can offer discounts with the right shopping credit cards and sometimes even provide instant cashback. For example, I have an Amazon Pay ICICI credit card, which offers me 5% flat cashback on all spends on Amazon. And I do shop a lot from Amazon. So, every month, there’s a sweet cashback reward waiting for me as an Amazon Pay balance. 

So, with the right card, your shopping habits can earn you extra rewards every month. But which credit card should you have for online shopping across Amazon, Myntra, and other guilty pleasures? We’ve got a list. Let’s explore together. 

How We Picked These Credit Cards for Online Shopping? 

Our main criteria for picking these cards were direct cashbacks and reward rates for online shopping. Started by comparing different credit cards like HDFC Bank credit card, Axis Bank credit card, Rupay credit card, along with other bank credit card options. 

Then, I moved on to check genuine reviews from real users across platforms like Reddit. We also examined how users are maximizing their benefits across multiple platforms through smart spending.

Finally, we also accounted for customer support, dispute resolution, and wide merchant acceptance for online shopping, bill payments, and international transactions. These recommendations don’t come from push marketing and glossy ads. Instead, they are based on real-world user experience about: 

• Annual fee and waiver
• Joining fee
• Interest rates
• Late payment fees
• Foreign transaction fees
• Transaction limits
• Credit limit
• Minimum payments

What Actually Counts as “Online Spends” for Issuers?

When banks refer to “online spends,” they count most online purchases on shopping apps like Amazon, Flipkart, Myntra, Swiggy, and Zomato. If you’re paying with their bank’s credit card or payment card, it’s an online spend. 

Although certain things often do NOT count, like:

• Sending money to Paytm or Amazon Pay wallets; 
• Buying gift cards or vouchers for the brand/platform; 
• Paying rent, utility bills, and insurance; 
• EMIs made on purchases; 

Why? 

Because your credit card issuer uses a system that labels your payment known as MCC code categorization, only the spending with merchants categorized with the appropriate Merchant Category Code (MCC) is rewarded with cashbacks and reward points.

Many people miss this important criterion to check for cashback and rewards, and Redditors often complain about wrong spends (or MCC allocation) not earning reward points or cashback

Amazon Pay ICICI Credit Card: Best Credit Card for Amazon 

• Issued by: ICICI Bank
• Annual/Joining Fee: ₹0 (Lifetime free, no joining fee, no annual fee) 
• Card Network: Visa
• Category: Online shopping, rewards, cashbacks

This credit card is a simple, LTF cashback credit card for habitual Amazon online shopping. Prime users earn 5% cashback, while others earn 3%, both directly credited as Amazon Pay Balance for easy redemption. 

It works across bill payments and small retail expenses, and gives 1% cashback elsewhere. There are no hidden credit card charges and no complex reward catalogue. 

The credit limit offered is as per your income levels, but is sufficient primarily for professionals and even business owners. 

What you should know? 

This credit card is tailored only for Amazon users and their online shopping. If you’re looking for other credit cards for different platforms, keep scrolling. 

Why Amazon Pay ICICI Credit Card for Amazon?

• It's best if Amazon shopping is a big part of your spending. One user said ~70% of their online shopping is on Amazon, so this card gives them high returns month after month.
• People like it because it's free for life and doesn’t carry a heavy joining fee or annual fee.
• Cashback goes directly to your Amazon Pay Balance in your card account. Users like it because redemption is easy. 

Flipkart Axis Bank Credit Card: Best Card for Flipkart 

• Issued by: Axis Bank
• Annual/Joining Fee: ₹500 (joining fee; annual fee waiver at ₹2L spend)
• Card Network: Mastercard
• Category: Flipkart AND Myntra shopping, lifestyle spends, food & rides

This credit card gives 5% cashback at Flipkart and Myntra purchases, 4% at Swiggy, PVR, Uber, and 1.5% on all other retail transactions. A ₹250-350 Flipkart gift voucher is offered as a welcome benefit in case you pay a joining fee. It offers a decent credit limit for beginners, has a simple redemption process, and gives substantial rewards for online shopping, lifestyle, and bill payments. 

Why Flipkart Axis Bank Credit Card for the Amazon App?

• It ALWAYS gives the highest discounts during Flipkart’s Big Billion Day Sale, and is well-suited as a high cashback credit card. 
• It doesn’t carry a heavy joining fee or annual fee. 
• Axis Bank offers relaxed eligibility criteria for this card. 
• Quoted by many Reddit users as one of the best credit cards for online shopping, utility transactions, retail expenses, and lifestyle credit card payments!

HDFC Millennia Credit Card: Best Card for Myntra 

• Issued by: HDFC Bank 
• Annual/Joining Fee: ₹1,000 (joining fee, annual fee, annual fee waiver at ₹1L annual credit card expenditure)
• Card Network: Visa/Mastercard 
• Category: Online shopping credit card, lifestyle spends, cashback credit card, multipurpose card for retail spends, and bill payments

It offers 5% cashback on Amazon, Flipkart, and Myntra via SmartBuy, along with reward points on other online purchases and perks like airport lounge access and exclusive offers with partner merchants. You also get a ₹1,000 gift voucher as a welcome benefit (that makes up for your joining fee!). The cashback comes as a statement credit in your credit card statement, so redemption is easy.

What you should know about this HDFC bank credit card? 

• There are caps on cashbacks on online spends. 
• Some Reddit users called out on poor customer support from the card issuers. 

Why HDFC Millennia Credit Card for Myntra?

• Best for Myntra fashion spends with stacked exclusive discounts and coupons.
• Cashback applies even on mobile banking SmartBuy app offers, not just on the website.
• Accumulated reward points can be redeemed for movie tickets and fuel expenses.
• Works as a bridge before upgrading to a premium HDFC Bank credit card like Infinia or Regalia.

HDFC Bank Swiggy Credit Card: Best Card for Swiggy 

• Issued by: HDFC Bank 
• Annual/Joining Fee: ₹500–₹350 + GST (joining fee, annual fee; annual fee waiver at ₹2L credit card expenditure)
• Card Network: Visa 
• Category: Food order, online shopping, cashback, lifestyle 
• Income Eligibility: ₹25,000+ monthly (credit card eligibility, income proof)

This credit card gives 10% cashback on Swiggy food delivery, Instamart, and Dineout. Users also get 5% back on Zomato, Amazon, Flipkart, Myntra, and other online purchases. 

Cashback is a direct statement credit that appears in the credit card statement. Best for retail spends, groceries, and bills linked with partner merchants. It offers a fair credit limit, welcome benefit deals, and easy redemption. 

Why HDFC Bank Swiggy Credit Card?

• This credit card is the strongest one for food orders, Swiggy Instamart, and dining out with exclusive discounts combined for multiple platforms. 
• Cashback covers multiple online shopping credit card platforms, not just food.
• Works well for routine bills, groceries, and lifestyle credit card expenses.

SBI Cashback Credit Card: Great Credit Card for Online Shopping 

• Issued by: SBI Bank
• Annual/Joining Fee: ₹999 (joining fee, annual fee, annual fee waiver at ₹2L credit card expenses)
• Card Network: RuPay/ Visa
• Category: Online shopping, cashback, lifestyle 

This credit card account gives a flat 5% cashback on almost all online shopping. Works across Amazon, Flipkart, Myntra, Zomato, Swiggy, biller apps, and more. Cashback comes directly as credit on the credit card statement. 

Quick Decision Guide: Which Credit Card is Right For Me? 

• New to credit cards? → Start with SBI Cashback Card
• Shop on one platform mainly? → Pick that platform's card
• Shop everywhere? → Choose HDFC Millennia or SBI Cashback
• Love food delivery? → Go with Zomato or Swiggy cards

This way, even someone new to credit cards can quickly identify which card matches their shopping habits!

1-minute roadmap to your credit card decision

• Step 1: Check Your Online Shopping Pattern: Open your mobile banking app and review last month's online spends. Look at your credit card statement or bank account transactions.
• Step 2: Calculate Your Primary Platform: Ask yourself: "Where did 70% of my online purchases happen?"
• Step 3: Match Your Credit Card Choice: If you’re Amazon heavy spender, pick Amazon Pay ICICI Credit Card.
• Step 4: Verify Credit Card Eligibility: Check minimum credit score, income proof, and annual fee requirements with your chosen credit card issuer.
• Step 5: Apply Online For Credit Cards: Use the online apps to apply quickly for your desired card. 

FAQs about Best Shopping Credit Cards

1. What is the minimum credit score needed for online shopping credit cards?

Most credit card issuers require a minimum credit score of 700-750 for shopping credit cards. If you have limited credit history, consider a secured credit card option from your bank branch.

2. Do online shopping credit cards have foreign transaction fees?

Yes, most credit cards charge 3-4% foreign transaction fees on international transactions. Check with your card issuer before making overseas online purchases to avoid unexpected credit card expenses.

3. How do I avoid interest charges on my credit card bills?

Pay your full credit card statement amount before the billing cycle ends. Making only minimum payments will result in high interest rates and interest charges on remaining balances.

4. Can I use my credit card for cash withdrawal?

Cash withdrawal using credit cards attracts high interest payments immediately. It's better to use the credit card limit directly for online purchases rather than withdrawing cash first.

5. What happens if I exceed my transaction limits while shopping online?

Your payment card provider sets transaction limits. Contact your bank account manager or use mobile banking to request temporary limit increases for large online spends.

6. Are there special benefits for fuel purchases with shopping credit cards?

Many credit cards offer fuel purchase rewards and a waiver of fuel surcharge fees. Some business credit cards provide additional reward points on fuel purchases for commercial use.

7. How can I get an annual fee waiver on my shopping credit card?

Most credit card issuers offer an annual fee waiver if you meet the minimum retail spend criteria during the year. Contact your bank branch or check fee payment waiver conditions in your credit card account.