1. Amazon Pay ICICI Credit Card
Annual Fee: Nill
Best Feature– 5% cashback on shopping at Amazon
If you plan to use this card, you should also get an Amazon Prime membership because Prime members receive 2% more cashback on Amazon purchases. When you use Amazon Pay as your payment option, you will also receive a 2% reward at 100+ Amazon Pay partner merchants. Every other transaction earns you 1% reward.
Amazon Pay ICICI Card is without a doubt one of the best credit cards for online shopping in India. This is due to the fact that Amazon is one of the most popular platforms, selling anything from furniture and electronics to stationery and food. Amazon has everything you need, and if you use this credit card, you will be amply rewarded. However, the cashback percentage on Amazon Card is modest at 1%.
Key Features of Amazon Pay ICICI Credit Card
- Lifetime Free Credit Card
- 5% cashback for PRIME Customers when they shop at Amazon
- 3% cashback for Non-PRIME Members for Amazon Spends
- 2% cashback on 100+ partner merchants of Amazon
- 1% cashback on all other transactions
- 15% discount at partner restaurants of ICICI Bank
- 1% fuel surcharge waiver across all petrol pump
2. Axis ACE Credit Card
Annual Fee: Rs. 599
Best Feature– 5% cashback on bill payments, DTH, and mobile recharges via Google Pay
One of the top cashback credit cards in India is the Axis Bank ACE Credit Card. It provides the greatest cashback of 2% across all transactions, as well as up to 5% cashback on Google Pay bill payments, DTH, and mobile recharges, and 4% on Swiggy, Zomato, and Ola. The card costs Rs. 499 per year and is suitable for those searching for basic advantages and high reward rates.
If you are a fan of a specific brand, such as Amazon, Flipkart, or Paytm, having their co-branded credit cards is a good idea. For example, the Amazon Pay ICICI credit card offers PRIME customers 5% reward on all Amazon purchases and non-prime customers 3% cashback. Likewise, the Flipkart Axis Bank Credit Card offers 5% cashback.
Key Features of Axis ACE Credit Card
- 5% cashback on every bill payment, DTH recharge, and mobile recharge initiated via Google Pay
- 4% cashback on Swiggy, Ola, and Zomato
- 2% cashback on all other spends
- No upper limit or maximum cashback earned
- 4 complimentary domestic lounge visits in a year
- Up to 20% off at 4,000+ participating restaurants
- 1% fuel surcharge waiver across all fuel stations
3. Cashback SBI Card
Annual Fee: Rs. 999
Best Feature– 5% cashback on all online spends
The SBI Cashback Card is one of the greatest cashback credit cards on the market. This credit card provides infinite rewards on both online and offline purchases. You can earn 5% cashback on all online purchases and 1% cashback on all other purchases. One aspect that distinguishes this credit card is that it has no merchant restrictions, making it excellent for internet purchasing. In addition, this card provides the most reward on online purchases when compared to other cashback credit cards.
Key Features of Cashback SBI Card
- 5% cashback on all online spends with no merchant restrictions
- 1% flat cashback on all offline transactions, including utility bill payment
- 4 complimentary domestic airport lounge visits in a year, capped at 1 visit per quarter
- 1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions between Rs. 500 to Rs. 3,000
- Annual fee waiver on spending Rs. 2 lakh in the preceding year
4. Flipkart Axis Bank Credit Card
Annual Fee: Rs. 599
Best Feature– 5% cashback on Flipkart
The Axis Bank Flipkart credit card is ideal for cashback, especially for users who are devoted Flipkart customers. This is also one of the best credit cards for cashback in India, giving 1.5% flat reward on all purchases. This is the second-highest flat cashback rate on the market, trailing only the 2% cashback offered by the Axis Bank ACE Card. You will receive 4% cashback at partner stores like Cure.fit, Swiggy, PVR, and Uber and 5% cashback on Flipkart. Despite being an entry-level card, the benefits on this one well outweigh the annual price.
Key Features of Flipkart Axis Bank Credit Card
- 5% cashback on Flipkart
- 4% cashback on shopping with other preferred merchants
- 1.5% unlimited cashback on Myntra and flight & hotel payments on Flipkart
- 1.5% cashback across all other categories
- Rs. 1,100 worth of joining and activation benefits from Flipkart, Myntra and Swiggy
- 4 complimentary domestic lounge visits every year
- Up to 20% discount at 4,000+ partner restaurants
- 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000
5. HDFC Millennia Credit Card
Annual Fee: Rs. 1000
Best Feature– 5% cashback on Amazon, Flipkart, PayZapp & SmartBuy
The HDFC Millennia Credit Card was created specifically to meet the needs of millennials who enjoy online shopping and want to earn rewards for their purchases. The card offers 1% cashback on all offline purchases and up to 5% cashback for online purchases. It has a Rs. 1,000 annual charge, which might be a tad pricey for you. However, if you frequently shop online, the fee is reasonable when weighed against the unique advantages it provides.
Key Features of HDFC Millennia Credit Card
- 1,000 Cash Points (Reward Points) on payment of the membership fee
- Rs. 1,000 gift voucher on spending at least Rs. 1 lakh in each calendar quarter
- 5% Cashback on Shopping via Amazon and Flipkart, Flight & Hotel bookings on shopping via SmartBuy
- 2.5% cashback on all online purchases
- 1% cashback on all offline spends and Wallet reloads
- 8 complimentary domestic lounge access per calendar year (2 in a quarter)