If you are someone who shops online on Amazon, orders food from Zomato, books cabs on Ola, or pays electricity bills through Paytm – then having the right credit card can save you a lot of money. Many Indians don’t realise that a good credit card can give them cashback, discounts, reward points, and even free vouchers.
Now the question is – Which is the best credit card for online payments in India?
Don’t worry, we at prkshadvisors have simplified this for you. Let’s explore credit cards that are perfect for online shopping, food delivery, travel, and daily bill payments – in a way that’s easy to understand.
Why Online Payments Need the Right Credit Card?
In India, online shopping has become part of our daily life. Whether it’s buying a ₹300 T-shirt from Myntra during sale, paying your Jio recharge, or grabbing that ₹199 Swiggy order, every rupee matters.
A simple debit card payment doesn’t give you anything extra. But with a good credit card:
- You get cashback or rewards on every transaction
- You can enjoy instant discounts on Amazon, Flipkart, Zomato, and Swiggy
- Many banks offer no-cost EMI options for mobiles and electronics
- Extra security while making payments online
So, why not earn something back while spending the same amount?
Features to Look for in a Credit Card for Online Payments
Before we dive into specific cards, let’s quickly see what makes a credit card perfect for online use:
✅ Cashback on online spends – Cards that give flat cashback on Amazon, Flipkart, Swiggy, Zomato, etc.
✅ Low annual fees – Unless you are a very heavy spender, avoid cards with ₹5000+ annual fee.
✅ Reward points – Points you can redeem for shopping vouchers, flights, or bill payments.
✅ Offers on Indian apps – Discounts on Paytm, PhonePe, Myntra, and food delivery apps.
✅ Secure online transactions – Protection against fraud and unauthorized use.
Best Credit Cards for Online Payments in India (2025)
Here are some top choices Indians can look at in 2025 if online spending is your main goal:
1. Amazon Pay ICICI Credit Card
- Why it’s great: If you shop a lot on Amazon, this is a no-brainer.
- Benefits:
- 5% cashback for Amazon Prime members, 3% for non-prime.
- 2% cashback on partner merchants like Swiggy, Yatra, and BookMyShow.
- No joining or annual fee.
- Perfect for: College students, young professionals, and families who do regular online shopping.
2. Flipkart Axis Bank Credit Card
- Why it’s great: Best for Flipkart lovers and general online spenders.
- Benefits:
- 5% cashback on Flipkart and Myntra.
- 4% cashback on Swiggy, PVR, Cure.fit, and Uber.
- 1.5% cashback on all other spends.
- Welcome benefit worth ₹500 (Flipkart voucher).
- Perfect for: Those who shop on Flipkart and order food often.
3. HDFC Millennia Credit Card
- Why it’s great: All-rounder for online payments and lifestyle spends.
- Benefits:
- 5% cashback on Amazon, Flipkart, Zomato, Myntra, Tata Cliq, and other partners.
- 1% cashback on all spends.
- Quarterly milestone rewards.
- Perfect for: Young professionals who want rewards across multiple platforms.
4. SBI SimplyCLICK Credit Card
- Why it’s great: Affordable card designed for online shoppers.
- Benefits:
- 10X reward points on Amazon, Cleartrip, BookMyShow, and Foodpanda.
- 5X reward points on other online spends.
- Annual fee of just ₹499 (waived if you spend ₹1 lakh/year).
- Perfect for: First-time credit card users who want rewards without high costs.
5. Axis Bank Neo Credit Card
- Why it’s great: Super pocket-friendly card for students and new earners.
- Benefits:
- 40% off on Zomato food orders.
- 10% off on Amazon, Flipkart, Myntra, and BookMyShow.
- Low joining fee of ₹250 only.
- Perfect for: College students and beginners in the credit card world.
6. ICICI Coral Credit Card
- Why it’s great: A balanced choice for both online and offline spends.
- Benefits:
- 2x reward points on online transactions.
- Movie ticket offers via BookMyShow.
- Dining discounts under the Culinary Treats program.
- Perfect for: Families who spend both online and offline.
Quick Comparison Table
| Credit Card | Best For | Key Benefit | Annual Fee |
|---|---|---|---|
| Amazon Pay ICICI | Amazon shopping | 5% cashback | ₹0 |
| Flipkart Axis | Flipkart & foodies | 5% Flipkart, 4% Swiggy | ₹500 |
| HDFC Millennia | Lifestyle shopping | 5% on major apps | ₹1,000 |
| SBI SimplyCLICK | Beginners | 10X rewards online | ₹499 |
| Axis Neo | Students & starters | 40% off on Zomato | ₹250 |
| ICICI Coral | Balanced usage | 2x points online | ₹500 |
Which Credit Card Should You Pick?
Here’s a quick desi-style breakdown to make it easy:
- If you’re an Amazon addict – go for Amazon Pay ICICI.
- If you’re more of a Flipkart + Swiggy person – Flipkart Axis Card is your buddy.
- If you shop across multiple platforms – HDFC Millennia is the safest bet.
- If you’re a first-timer – SBI SimplyCLICK or Axis Neo will save you money with low fees.
- If you want a family card – ICICI Coral is decent.
Basically, don’t copy others blindly. Choose based on where you spend the most.
Tips to Maximize Benefits from Your Credit Card
- Always pay your credit card bill on time – otherwise, interest charges can kill all your cashback benefits.
- Track your spending – many banks have apps that show how much you saved.
- Use the card on partner apps (like Zomato, Amazon, Flipkart) to unlock maximum discounts.
- Don’t apply for too many cards at once – maintain a good credit score.
Final Thoughts
There is no single “best credit card” for everyone. The best card depends on your lifestyle and where you spend most.
At prkshadvisors, we believe that the right credit card is not about status or showing-off, but about saving money smartly. Whether you are a college student ordering Maggi on Zomato, a young professional buying a new smartphone on EMI, or a parent shopping for groceries on BigBasket – there’s a card out there that fits your needs.
So, next time you swipe or tap online, remember – a good credit card is like a loyal friend, it always gives something back!
✅ Written by prkshadvisors – helping Indians make smarter financial choices.