Best credit cards for online shopping this festive season

The festive season is here and with it, you are likely to make several purchases from e-commerce platforms, be it for yourself or for your friends and family. Choosing the right credit card for online shopping can make a significant difference in how much you save and earn from your purchases.

Credit cards not only allow you to easily get products on credit, they can also make them cheaper thanks to cashback and reward points. You also get access to airport lounges, railway lounges, dining offers and more.

In this post, we look at some of the best credit cards for online shopping in India.

Best credit cards for online shopping in India

Amazon Pay ICICI credit card

The Amazon Pay ICICI Credit card is among the most popular co-branded credit cards, offered by ICICI Bank in partnership with e-commerce giant Amazon India. It’s great for those who regularly shop on Amazon, as it offers a 5% cashback on all purchases on the platform.

Key Features:

• Cashback: Up to 5% cashback on Amazon purchases, and 2% cashback on other online shopping.
  
• Additional cashback: Earn 2% cashback at partner stores, and 1% on all other spends.
  
• No annual fee: Lifetime free credit card.
  
• Fuel surcharge waiver: 1% fuel surcharge waiver across all petrol pumps.
  

HDFC Millenia credit card

The HDFC Millenia is a popular credit card from HDFC Bank and is among the most sought-after cards from the bank. This card offers good rewards on Amazon, Flipkart, Myntra and other online platforms. It is also good for utility bills and fuel spending.

Key Features:

• Cashback: 5% cashback on Amazon, BookMyShow, Swiggy, Flipkart, Myntra and more. It offers 1% cashback on all other spends.
  
• Lounge access: 1 complimentary lounge access per quarter.
  
• Fuel surcharge waiver: 1% fuel surcharge waiver across all petrol pumps.
  

Flipkart Axis Bank credit card

With Amazon partnering with ICICI Bank, Flipkart joined the race and partnered with Axis Bank to launch the Flipkart Axis Bank credit card. The card offers 5% cashback on Flipkart and Cleartrip.

Key Features:

• Cashback: 5% cashback on Flipkart and Cleartrip, 4% on preferred partners and 1% on other spends.
  
  
• Lounge access: 4 complimentary lounge access per year on spending ₹50,000 during the previous 3 months.
  
• Fuel surcharge waiver: 1% fuel surcharge waiver across all petrol pumps.
  

Cashback SBI credit card

The Cashback SBI card has quickly emerged as one of the most popular cards from the state-owned bank, beating its SimplyClick card, which was one of the preferred cards for online spending. The USP of this card is that it offers a flat 5% cashback on all online spending.

Key Features:

• Cashback: 5% cashback on all online spends, without any merchant restrictions. It also offers 1% cashback on all offline transactions.
  
• Fuel surcharge waiver: 1% fuel surcharge waiver across all petrol pumps.
  
• Annual fee waiver: Fee waiver on spending ₹2 lakh in the preceding year.
  

Axis Bank Ace credit card

The Axis Bank Ace credit card is another excellent card, especially for those looking for a card for bill payments, utility spending and more. It is also one of the few credit cards that can be added to Google Pay.

Key Features:

• Cashback: 5% cashback on all bill payments, mobile recharges and DTH recharges via Google Pay. It also offers 4% Swiggy, Zomato and Ola.
  
• Lounge access: 4 complimentary lounge access per year on spending ₹50,000 during the previous 3 months.
  
• Fuel surcharge waiver: 1% fuel surcharge waiver across all petrol pumps.
  

American Express SmartEarn credit card

While it is more challenging to get American Express cards than other cards on the list, getting your hands on the SmartEarn credit card is relatively easy compared to other cards offered by American Express.

Key Features:

• Reward points: 10X membership reward points on Flipkart, Zomato, Myntra, Uber, Ajio and more. 5X membership reward points on every ₹50 spent on Amazon.
  
• Monthly spends: Earn 500 membership reward points on spending ₹2,500 in a month on 10X reward point partners.
  
• Annual fee waiver: Fee waiver on spending ₹40,000 in the preceding year.
  

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