Best Shopping Credit Cards in India [2025 Edition] – Maximize Cashback on Amazon, Flipkart & Myntra

Online shopping in India has exploded, and the smartest shoppers are using credit cards to earn cashback, discounts, and rewards on every purchase. Whether you’re loyal to Amazon or Flipkart or shop across multiple platforms, the right credit card can help you save thousands each year.

In this guide, we’ll break down the best credit cards for shopping in India in 2025, based on cashback, fees, capping limits, and brand partnerships.

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1. Amazon Pay ICICI Credit Card

Best for: Amazon users (especially Prime members)
Joining/Annual Fee: ₹0 (Lifetime Free)
Cashback Structure:

• 5% on Amazon (for Prime members)
• 3% on Amazon (non-Prime)
• 2% on partner merchants
• 1% on all other spends
  Cashback Capping: No cap
  Reward Type: Amazon Pay balance
  Annual Fee Waiver: Not applicable

Why choose this card:
Zero annual fees, unlimited cashback, and direct Amazon Pay credit. Ideal for daily Amazon shoppers.

Apply Now!

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2. Flipkart Axis Bank Credit Card

Best for: Flipkart, Myntra, Swiggy
Joining Fee: ₹500 + GST
Annual Fee: ₹500 (waived on ₹2 lakh annual spend)
Cashback Structure:

• 5% on Flipkart and Myntra
• 4% on Swiggy, PVR, Cleartrip
• 1.5% on all other spends
  Cashback Capping: No cap
  Reward Type: Direct statement credit

Why choose this card:
Perfect for Flipkart and Myntra shoppers, especially during sale seasons. Cashback is directly credited to your bill.

Apply Now!

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3. HDFC Millennia Credit Card

Best for: Mixed use – Amazon, Flipkart, Swiggy, Zomato
Joining Fee: ₹1,000 + GST
Annual Fee: ₹1,000 (waived on ₹1 lakh spend annually)
Cashback Structure:

• 5% via SmartBuy and PayZapp (Amazon, Flipkart, Swiggy, etc.)
• 1% on all other spends
  Cashback Capping:
• ₹1,000/month on 5% cashback
• ₹500/month on 1% cashback
  Reward Type: Cashback as statement credit

Why choose this card:
Offers benefits across multiple platforms and categories. Best for those who want flexibility and don’t shop on just one website.

Apply Now!

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4. SBI Cashback Credit Card

Best for: Pure online shopping across platforms
Joining Fee: ₹999 + GST
Annual Fee: ₹999 (waived on ₹2 lakh annual spend)
Cashback Structure:

• 5% cashback on all eligible online transactions
• 1% cashback on offline spends
  Cashback Capping:
• ₹5,000/month online cashback cap
• ₹500/month offline cashback cap
  Reward Type: Direct statement credit

Why choose this card:
If you shop on multiple websites and want 5% across all online spends (not just Amazon or Flipkart), this is one of the most versatile shopping cards available.

Apply Now!

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Comparison Table: Best Shopping Credit Cards in India [2025]

Credit Card	Annual Fee	Online Cashback	Offline Cashback	Cashback Cap	Best For
Amazon Pay ICICI	₹0	Up to 5%	1%	Unlimited	Amazon loyalists
Flipkart Axis	₹500	5%	1.5%	Unlimited	Flipkart/Myntra
HDFC Millennia	₹1,000	5% (via PayZapp/SmartBuy)	1%	₹1,500/month	Multi-app shoppers
SBI Cashback	₹999	5% (general online)	1%	₹5,000/month	All-round online usage

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Which Card Should You Pick?

• If you mainly use Amazon, go with Amazon Pay ICICI (lifetime free, no cap).
• If you prefer Flipkart or Myntra, pick Flipkart Axis for direct cashback.
• If you shop across multiple platforms or apps, SBI Cashback or HDFC Millennia offers broader benefits.
• Frequent food delivery or movie-goers? Millennia gives added value through Swiggy, Zomato, and BookMyShow.

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Conclusion

With online shopping becoming the norm, smart credit card usage is the best way to earn passive cashback and rewards. In 2025, banks are offering highly targeted shopping cards to suit all kinds of spenders. Pick one based on your top platforms and spending pattern.

Once your spending increases, you can even upgrade to premium variants. For now, start with one of these four powerful shopping cards and save on every checkout.

Compare all cards and apply instantly on CardMela.com