Best Credit Cards for Online Shopping in 2024
Online shopping has become a go-to choice for millions of Indians. This became possible because all the products are at our fingertips, and e-comms provide attractive discounts and host sales before every occasion. You can even get the products at a lesser price if you have a credit card with which the platform is offering a discount.
In this article, we have included some of the best credit cards for online shopping in 2024 that will surely help you maximize your savings. Also, we are offering additional Rs 501 + Rs 501 cashback 🥳 if you apply the YES Bank credit card which we have mentioned later in the article. Read on to know all of them and don’t forget to check the steps to get extra discount with YES Bank POP Club Credit Card.
Best Credit Cards for Online Shopping in 2024
Picking the best credit card for online shopping depends on the e-commerce platform, spending patterns, and other factors. We have listed some of the best cards that will suit you, whether you want them for popular e-commerce platforms like Amazon, Flipkart, Myntra, or others.
SBI Cashback Card (Best For All e-Commerce Platforms)
The SBI Cashback Credit Card is designed to offer flat discounts across all e-commerce platforms no matter whether the platform is showing the card discount or not. This card offers 5% cashback on all online purchases and 1% cashback on offline purchases with a maximum cashback of Rs 5,000 per month.
Joining & Annual Fee: The card now has a joining fee of Rs 999 (without GST) and an annual fee of Rs 999 (without GST). However, the annual fees can be waived on spending of Rs 2,00,000 yearly.
Flipkart Axis Bank Card (Best For Flipkart, Myntra, Cleartrip)
This card offers 5% cashback on Flipkart, Myntra, and Cleartrip. Plus, users can earn 4% cashback on partner merchants like Swiggy, Uber, and PVR. Additionally, the card offers 1% cashback on all online and offline transactions.
Users will also get 4 complimentary domestic airport lounge visits in a year when they spend at least Rs 50,000 in a year.
The best part with this card is that users can earn unlimited cashback which means there is no cap on the maximum limit a user can get.
Joining & Annual Fee: Rs 500 (without GST). Annual fees can be waived on spending of Rs 3,50,000 yearly.
Tata Neu HDFC Credit Card
The Tata Neu card is perfect for those who frequently shop within the Tata ecosystem. It offers up to 10% savings on Tata Neu app. With no joining fee, this card provides 5% NeuCoins on Tata Neu and partner Tata brands, 1.5% NeuCoins on Tata Neu UPI spends, and all other spends. The card comes with airport lounge access.
Joining & Annual Fee: The card has a zero joining fee where as it has an annual fee of Rs 1,499 which gets waived on spends of Rs 3,00,000 yearly.
HDFC Millennia Credit Card (Best for Popular e-Commerce Platforms)
The HDFC Millennia Credit Card is another card perfect for those who shop on popular e-commerce platforms. This card offers 5% cashback on Amazon, Flipkart, Myntra, Tata CliW, Zomato, and more, along with 1% cashback on other categories.
Joining & Annual Fee: Rs 1,000 (without GST). Annual fees can be waived on spending of Rs 1,00,000 yearly.
🤩Special Mention – YES Bank Pop Club Credit Card (Get Additional Rs 501 + Rs 501 Cashback)
With no joining fee and an annual of Rs 399, this card provides 10 POPcoins on every online transaction and 2 POPcoins on every offline transaction. The value of 4 POPcoins is Rs 1. It also offers Rs 5,000 worth of joining benefits which includes 500 POPcoins, Cult Sport voucher, 3 months Zomato Gold membership, among others. Additionally, if you apply the card before 31st October, you will get extra Rs 501 cashback from the bank itself and we are also offering Rs 501 cashback.
To get the Rs 501 + Rs 501 cashback, click on the apply link > Enter your mobile number and account details then tap Submit > You’ll be redirected to YES Bank website, apply for the credit card > You will receive additional Rs 501 cashback within 72 hours once the card delivers to you.
Now, once the card delivers to you, activate it and link it to POP UPI and complete a transaction of minimum Rs 501 via POP UPI. Once you do, the cashback will be credited in your bank account by 16th November 2024.
Other Best Credit Cards for Online Shopping to Consider
The above-mentioned cards offer the best possible cashback across different e-commerce platforms and are ideal for shopping. In addition to them, there are some other options from banks that you can consider for online shopping this year.
| Card | Benefits | Apply Link |
|---|---|---|
| HSBC Platinum Credit Card | With a joining fee of an annual fee of Rs 999, this card offers 2 reward points for every Rs 100 spent on weekends and 1 reward point for every Rs 100 spent on weekdays. It also offers complimentary Priority Pass membership, airport lounge access, and a 1.8% discounted foreign currency mark-up. | Apply Now |
| IndusInd Legend Credit Card | This is another Lifetime free credit card that offers 5X reward points on the top 2 spend categories each month. | Apply Now |
| Onecard Credit Card | This is another Lifetime free credit card which offers 5X reward points on the top 2 spend categories each month. | Apply Now |
| Swiggy HDFC Credit Card | Offers 10% cashback on Swiggy orders, 5% cashback on online spending, and 1% cashback on other categories. The cashback limit is set to Rs 1,500 in a month. It also includes a complimentary Swiggy One Membership for 3 months on card activation. | Apply Now |
| Axis Airtel Credit Card | 25% cashback up to Rs 250 in a month on Airtel mobile, broadband, WiFi, and DTH bill payments via the Airtel Thanks app. It also provides 10% cashback up to Rs 250 on utility bill payments, Swiggy, Zomato, and BigBasket, and 1% cashback on other spends without any capping. Additionally, it includes 4 complimentary lounge visits per year. | Apply Now |
