Best Cashback Credit Cards for Online Shopping in 2025
Online shopping has become integral to modern lifestyle, and choosing the right cashback credit card can significantly boost your savings. Here are the top cashback credit cards in India that offer excellent rewards for online purchases.
Top Picks for Online Shopping
SBI Cashback Credit Card
Best Overall for Online Shopping
• 5% cashback on all online spends with no merchant restrictions
• 1% cashback on offline spends
• Monthly cashback cap: Up to Rs. 5,000 per month
• Annual fee: Rs. 999 (waived on annual spends of Rs. 2 lakh)
• Joining fee: Rs. 999
Why it’s great: This card offers the highest unrestricted cashback rate for online shopping across all platforms, making it ideal for diverse online shoppers.
HDFC Millennia Credit Card
Best for Popular E-commerce Platforms
• 5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato
• 1% cashback on other categories
• Annual fee: Rs. 1,000 (can be waived)
• Joining fee: Rs. 1,000
• Additional benefit: Quarterly milestone rewards
Amazon Pay ICICI Credit Card
Best for Amazon Shoppers
• 5% cashback on Amazon purchases for Prime members
• 3% cashback for non-Prime members
• 2% cashback on Amazon Pay partner merchants
• 1% cashback on other spends
• Annual fee: Rs. 0
• Joining fee: Rs. 0
Platform-Specific Cards
Flipkart Axis Bank Credit Card
• 5% cashback on Flipkart and Cleartrip
• 7.5% cashback on Myntra
• Annual fee: Rs. 500
• Activation benefits: Rs. 600 worth benefits from Flipkart and Swiggy
Swiggy HDFC Bank Credit Card
• 5% cashback on online spends
• 10% cashback on Swiggy orders
• Monthly cashback cap: Up to Rs. 3,500
• Annual fee: Rs. 500 (waived on Rs. 2 lakh annual spends)
Budget-Friendly Options
YES Bank Paisabazaar PaisaSave Credit Card
• 3% cashback on e-commerce spends (max 5,000 points/month)
• 1.5% cashback on all other spends
• Annual fee: Rs. 499 (waived on Rs. 1.2 lakh annual spends)
• Joining fee: Rs. 0
Axis ACE Credit Card
• 1.5% cashback on all other transactions
• 4% cashback on Swiggy, Zomato, Ola
• 5% cashback on Google Pay bill payments
• Annual fee: Rs. 499 (waived with Rs. 2 lakh annual spend)
Key Considerations When Choosing
Cashback Caps
Most cards have monthly cashback limits, so consider your spending patterns:
• SBI Cashback: Rs. 5,000/month
• Swiggy HDFC: Rs. 3,500/month
• YES Bank PaisaSave: 5,000 points/month
Annual Fee vs. Benefits
• Zero annual fee options: Amazon Pay ICICI, YES Bank PaisaSave (joining fee waived)
• Fee waiver conditions: Most cards waive annual fees on achieving specific spending thresholds
Redemption Process
• SBI Cashback: Automatic credit within days of statement cycle
• Amazon Pay ICICI: Credited as Amazon Pay balance
• YES Bank PaisaSave: 1:1 ratio statement credit with zero redemption fee
Expert Recommendations
For Heavy Online Shoppers: SBI Cashback Credit Card offers the best value with 5% unrestricted online cashback.
For Amazon Prime Members: Amazon Pay ICICI Credit Card provides excellent value with no annual fee and 5% Amazon cashback.
For Budget-Conscious Users: YES Bank PaisaSave offers good entry-level benefits with lower fees.
For Platform Loyalty: Choose platform-specific cards like Flipkart Axis or Swiggy HDFC if you primarily shop on those platforms.
The right cashback credit card can save you hundreds to thousands of rupees annually on online shopping. Consider your spending patterns, preferred platforms, and fee tolerance when making your choice.