Looking to maximize savings on your online shopping? With e-commerce becoming increasingly popular in India, the right cashback credit card can help you save thousands of rupees every month. We've analyzed and compared the best cashback credit cards for online shopping in 2025, considering factors like cashback rates, annual fees, and additional benefits.
Top Cashback Rates for Online Shopping
- Amazon Shopping: Up to 5% unlimited cashback for Prime members
- Flipkart Platform: 5% unlimited cashback + preferred partner benefits
- General Online Shopping: 3-5% cashback across all e-commerce sites
- Food Delivery: Up to 10% on Swiggy and other platforms
- Online Bill Payments: 5% cashback on utility bills and recharges
Key Features to Look for in Online Shopping Cards
When choosing a cashback credit card for online shopping, consider these important factors:
- Cashback Rate: Look for cards offering 3-5% on online transactions
- Monthly Caps: Check maximum cashback limits (typically ₹5,000 per month)
- Annual Fees: Most cards charge ₹499-999, usually waived on minimum spends
- Welcome Benefits: Many cards offer joining bonuses worth ₹1,000-3,000
- Additional Perks: Look for movie tickets, lounge access, or insurance benefits
Smart Tips to Maximize Your Cashback
- Time your large purchases during special sale events for extra cashback
- Compare partner merchant offers before making purchases
- Track monthly spending caps to optimize rewards
- Combine card benefits with e-commerce loyalty programs
- Use auto-pay for bills to never miss reward points
Common Questions About Online Shopping Cards
Q: Is there a limit to how much cashback I can earn?
Yes, most cards have monthly caps ranging from ₹1,000 to ₹5,000. However, some co-branded cards offer unlimited cashback on their platforms.
Q: Do these cards work on international websites?
Yes, but check the forex markup fees (typically 2-3.5%). Some premium cards offer lower forex fees and additional rewards on international transactions.
Q: What's better - generic or co-branded cards?
It depends on your shopping habits. Co-branded cards (like Amazon, Flipkart) offer higher rewards on their platforms but lower elsewhere. Generic cards offer consistent rewards across all platforms.
Here are the cards list:
CASHBACK SBI Card
SBI Bank
Earn up to 5% cashback on online spends without any merchant restriction and 1% cashback on offline spends.
₹999
₹999
VISA
Klick RuPay Credit Card
Yes Bank
A lifetime free RuPay credit card designed for UPI payments, offering rewards and cashback.
Free
Free
RuPay
Yes Bank Kredit.Pe Credit Card
Yes Bank
Lifetime free secured credit card with unlimited cashback on UPI and offline payments.
Free
Free
RuPay
Swiggy HDFC Bank Credit Card
HDFC Bank
Save up to Rs. 42,000 annually with Swiggy HDFC Bank Credit Card.
₹500
₹500
Mastercard
Jupiter Edge RuPay Credit Card
CSB Bank
The 3-in-1 RuPay Credit Card: Switch between shopping, travel, and dining with assured cashback.
Free
Free
RuPay
Amazon Pay ICICI Bank Credit Card
ICICI Bank
Exclusive privileges for ICICI Bank customers, with unlimited cashback and no annual fees.
Free
Free
VISA
Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
Earn NeuCoins on Tata Neu and partner brands, enjoy complimentary lounge access, and get exclusive benefits with Tata Neu Infinity HDFC Bank Credit Card.
₹1499
₹1499
RuPay
Millennia Credit Card
HDFC Bank
Best cashback credit card with benefits on shopping, dining, and travel.
₹1000
₹1000
VISA
Airtel Axis Bank Credit Card
Axis Bank
Open a gateway to a world of privileges and benefits with your Airtel Axis Bank Credit Card. This card is designed to connect you to exclusive offers, cashbacks, and other added delights.
₹500
₹500
VISA
ACE Credit Card
Axis Bank
Welcome to the world of cashback! This card becomes your everyday companion with accelerated cashback on all your spends.
₹499
₹499
VISA
Flipkart Axis Bank Credit Card
Axis Bank
Get unlimited cashback on Flipkart, Cleartrip, and preferred merchants, along with lounge access, dining discounts, and EMI options.
₹500
₹500
Mastercard
Samsung Axis Bank Signature Credit Card
Axis Bank
Experience the smarter life with Samsung Axis Bank SIGNATURE Credit Card. A future-ready card that opens the world of exclusive benefits and privileges to keep up with your ever-evolving demands.
₹500
₹500
VISA
Samsung Axis Bank Infinite Credit Card
Axis Bank
A future-ready card crafted with exclusive benefits and privileges in sync with your evolving world.
₹5000
₹5000
VISA
YES BANK POP-CLUB Credit Card
Yes Bank
Earn POPcoins on every transaction with this RuPay credit card, plus exciting joining benefits.
₹399
Free
RuPay
Standard Chartered Smart Credit Card
Standard Chartered
Get cashback up to INR 18,000 annually. Explore a smarter way to spend with the Smart credit card.
₹499
Free
VISA
AU Bank LIT Credit Card
AU Bank
The LIT Credit Card by AU Bank is a lifetime free credit card which you can customise as per your needs. You can switch on or off your features at your convenience and easily manage and track your expenses.
Free
Free
VISA
IDFC FIRST SWYP EMI Credit Card
IDFC FIRST Bank
A flexible credit card that lets you choose between easy EMI conversions or full payments, with exciting reward points and discounts.
₹199
₹199
VISA
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Disclaimer:
The credit card information and recommendations provided are for general informational purposes only and do not constitute financial advice. While we strive to maintain accurate and current information, credit card offers, terms, and conditions may change without notice. Always verify all details directly with the card issuer before making any financial decisions. If you notice any inaccuracies, please contact us to help us maintain the quality of our content.