🕒 Last updated on: October 12, 2025
Introduction: Best Credit Cards for Online Shopping in India
In today’s shopping landscape, choosing the best credit cards for Online Shopping in India can significantly enhance your purchasing power and overall experience. Co-branded credit cards offer unique perks and rewards tailored to specific retailers or brands. Whether you’re a frequent shopper at your favorite stores or just looking to maximize your spending, this guide will help you identify the best credit cards for shopping online in India.
Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make the best decision.
What are Co-branded Credit Cards?
Co-branded credit cards are financial products offered by banks in partnership with specific retailers or brands. These cards typically provide rewards or discounts when used at the partnered store, making them a great choice for loyal customers. They often come with additional benefits such as exclusive promotions, bonus points, or cashback.
Top 4 Credit Cards for Online Shopping
In this blog, we review four standout credit cards for utility bill payments: HDFC Tata Neu Infinity Credit Card, Flipkart Axis Credit Card, Amazon Pay ICICI Credit Card and Swiggy HDFC Bank Credit Card. Based on our analysis of cashback percentages, its cost and overall benefits, here’s our detailed recommendation:
- Joining & Annual Fees: Rs 1499 or Lifetime Free
- 10% back as NeuCoins on Shopping on Various Brands on Tata Neu (Including Neupass valueback)
- Upto 20% instant discount on spends during TATA PayDay Sale (including NeuPass offer)
- 1.5% NeuCoins on Other Spends and UPI spends through RuPay credit card through TATA Neu App
- Welcome Benefit: 1499 Neucoins on payment of Joining Fees
- Minimum 5% back as NeuCoins on shopping on Tata Neu or TATA Brands
- 1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends
- 1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
- Additional 5% back as NeuCoins for NeuPass Members on transactions done on Tata Neu App/Website
- Complimentary Airport Lounge Access on minimum spend of Rs 50,000 last quarter (1/Quarter for International and 2/Quarter for Domestic Airport Lounges)
- Joining and Annual Fees: Rs 500
5% and 7.5% cashback on Flipkart and Myntra Shopping up to Rs 4,000/month
- 4% cashback on preferred merchants – PVR, Swiggy, Uber and cult.fit
1% cashback across all other spends
Joining benefit worth Rs 1,250 from Flipkart and Swiggy
4 complimentary domestic lounge visits in a year (Discontinued June, 2025)
- 12% off on Cleartrip
Unlimited cashback without any capping on 4% and 1% Categories.
- Joining and Annual Fees: Nil
- 5% cashback on Amazon Shopping spends for Amazon Prime Members
- 3% cashback on Amazon Shopping for non-prime members
- 2% cashback on partner spends
- 1% cashback on other spends
- Joining Benefit: Amazon Prime for 3 months
No complimentary domestic lounge access
- Special Signup offers worth more than Rs 1500 (Amazon Shopping and Bill Payments)
- Unlimited Cashback
- Annual Fees: Rs 500
- 10% cashback up to Rs 1500/month on Swiggy
5% cashback up to Rs 1,500/month on Online Platforms-Fashion, Cabs, Movies and more
1% cashback up to Rs 500/month other spends
Welcome Benefit: Swiggy One Membership
- First year free or may offer the card as Lifetime Free
- Competitor apps and shopping categories like zomato, big basket, etc will give 1% cashback only (except amazon and flipkart grocery as it will give 5% cashback)
- Cashback will be credited directly in your card statement
- Get 10% extra discount up to Rs 500 on your birthday
Benefits of Using Co-branded Credit Cards
- Tailored Rewards: Earn points or cashback specifically for the retailer you shop at most.
- Exclusive Discounts: Access to special promotions and sales.
- Membership Benefits: Enjoy perks like free shipping, early access to sales, or loyalty points.
- Flexible Redemption Options: Use points for future purchases or travel rewards.
Credit Cult Conclusion
When it comes to maximizing your shopping rewards, co-branded credit cards can offer significant benefits tailored to your spending habits. And above we ranked on the basis of Reward-Cost Ratio:
Tata Neu Card: Even with High Annual Charges HDFC Tata Neu Credit Card stands out for its extensive rewards (up to 10%) across multiple Tata brands on Tata Neu App, making it ideal for those who frequently shop at Tata retail outlets and use Tata services.
Flipkart Axis Card: A strong contender for online shoppers, especially Flipkart Shoppers, this credit card provides great cashbacks on Flipkart purchases and on other online transactions.
Amazon Pay ICICI Card: Best Credit Card for Amazon Prime Members as it offers up to 5% cashback on Amazon purchases along with benefits for everyday spending, making it a reliable option for many.
- Swiggy HDFC Bank Credit Card: A great all-rounder card for online shoppers especially for Swiggy loyal customers as it gives 10% additional cashback on Swiggy and 5% on other Online Non-Competitor Categories.
Each of these cards has unique features and rewards that cater to different shopping preferences. By considering your shopping habits and choosing the card that aligns best with your lifestyle, you can maximize your savings and enhance your shopping experience. Happy shopping!
FAQ: Best Credit Cards for Shopping
1. Are co-branded credit cards worth it?
Answer: Yes, if you frequently shop at a specific retailer, the rewards and benefits can provide significant savings.
2. Do co-branded credit cards have annual fees?
Answer: Some do, while others have no annual fees. It’s essential to weigh the benefits against the cost.
3. Can I use co-branded credit cards anywhere?
Answer: Most co-branded cards can be used anywhere that accepts their payment network (like Visa, RuPay or Mastercard), but they often offer enhanced rewards for purchases made at the partnered retailer.
Hey Readers,
We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your shopping needs. For additional insights, don’t miss our exclusive post where we reveal the best credit cards in India that offers railway lounge access. If you’re also looking for expert guidance in international trade, feel free to contact Goodman Exim Consulting for top-notch EXIM consulting services.
Happy reading, and enjoy your journey with the right credit card!
– Saurabh, Credit Cult
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