September 16, 2025 · 11 mins read
Santosh Kumar
Credit cards are a blessing in today's world; customers can buy practically anything using credit cards, without an immediate financial strain. With the emergence of huge online platforms like Amazon and Flipkart in recent times, there have been multiple uses of credit cards. Credit cards are customized to suit the never-ending demands of customers. Credit card customers have the privilege of shopping, both online and offline, using credit cards. Though both debit cards and credit cards can be used for shopping, many customers prefer to use credit cards for shopping.
1: Credit cards are much safer to use on online platforms than debit cards.
2: Customers can buy anything and everything using credit cards, depending on their credit card limit, as credit cards give options to pay bills at a later date.
3: Credit card payments are cashless, hassle-free, and more convenient.
4: Credit cards, when used responsibly, increase our credit scores and creditworthiness. Unlike debit cards, credit cards offer discounts like cash back, bonuses, and reward points with every purchase.
5: Reward points can, in turn, be redeemed to purchase other products or for hotel or travel bookings.
6: Customers have options to repay their bills in flexible EMIs using credit cards, which may not be possible with most debit cards.
7: Credit card issuers have tie-ups with retailers, so we can expect a 100% refund in case of faulty or damaged purchases using credit cards.
8: 24-hour customer care service is always ready to help customers and address any queries they may have
Recent data suggests the number of active credit card users in India is more than 100 million, with more than 85% of credit card customers preferring to use credit cards for online shopping. As India is a land of festivals, with festive seasons round the corner every now and then, we depend on credit cards for our online shopping to maximize our savings with instant discounts, significant cashbacks, and reward points. Amazon, for example, gives a 10% instant discount on SBI Credit Cards and/or HDFC Credit Cards on almost every festive season.
With multitudinous credit cards available and options of huge online platforms like Amazon and Flipkart, people are opting for more online purchases rather than in-store purchases. For instance, SBI alone has more than 65 types of credit cards. One may ask what the best credit card is for Amazon shopping, or even what the best credit card is for Flipkart shopping. The answers may vary, as the choice of credit card depends on the credit card users, their spending limit, their shopping needs, the discounts and rewards they are looking for, etc.
Credit cards for online shopping are different from traditional credit cards, as these credit cards give multifold benefits like cashbacks, rewards, and instant discounts on shopping. They can also be called shopping credit cards. When used cautiously, these credit cards for shopping can give us huge savings over time. Be it the best credit card for Amazon shopping or the best credit card for Flipkart shopping, enthusiastic shoppers should keep a few things in mind before choosing their credit cards for online shopping.
1: Firstly, customers should know their eligibility and the credit card spending limit set up by the credit card issuers.
2: Credit scores play an important role in determining eligibility for credit cards.
3: Customers should closely monitor their spending and expenses to get an idea of what type of credit cards they exactly need.
4: Look out for credit cards that give maximum cashback
5: Look out for credit cards that give maximum discounts on their favorite brands
6: Credit cards with additional benefits like welcome bonuses, activation offers, and extra bonus points
7: Credit cards with a card protection plan to save customers from potential theft, fraud, or loss.
Once customers have decided on the best credit card for shopping, they should apply for the same using the following steps:
1: Open the official website and check for eligibility in the credit card section
2: Select the card of their choice
3: Fill in all the necessary information and submit.
4: Verify KYC and income.
Also Read: Credit Card EMI vs UPI BNPL – Which Is More Cost-Effective?
The credit card is delivered to their doorstep in no time and at no extra cost.
Let us have a look at some of the best credit cards for Amazon shopping.
One does not have to wait for festive seasons or other special occasions to order anything online from Amazon. Customers can order anything, anytime, from the comfort of their homes or workplaces using Amazon with their credit cards. As Amazon has made its presence worldwide, we will focus on the best credit cards for Amazon shopping in India. Some of the best credit cards for Amazon shopping, with their unique features, are:
1: Undoubtedly one of the oldest and best credit cards for Amazon shopping in India
2: 5% cashback on each and every purchase made through Amazon for Amazon Prime customers,
3: 3% cashback for non-Prime customers.
4: 1% cashback on all non-Amazon transactions.
5: Extra discounts at all fuel stations
6: No minimum amount for cashback
1: One of the favorites for Amazon shoppers, not just in India but all over the world
2: Low annual fees
3: Welcome gift of Rs 500 Amazon e-Gift Voucher
4: Flexible EMI options for ease of customers
5: 10X reward points on every purchase
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1: Topmost premium credit card
2: 10X rewards points on Amazon shopping
3: Accelerated cashback on all purchases
4: EMI options on all large Amazon online spends
5: Up to 50 days of interest-free period
6: Best credit card for Amazon shopping for high-spending individuals.
1: Zero joining fee and annual fee
2: Amazon eGift voucher of Rs 250
3: 2 Reward Points for every Rs 150 spent
4: Redeem points instantly on the app
5: One of the best credit cards for Amazon shopping in India.
1: 5X reward points on every 150 spent on Amazon shopping
2: Redemption of cash points for Amazon vouchers
3: Complimentary Amazon Prime annual membership, upon meeting certain milestones
When it comes to online shopping in India, Flipkart has come a long way by delivering everything from groceries to gadgets and much more at our doorsteps, that too in no time. Some of the best credit cards for Flipkart shopping and their benefits are
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1: Best credit card for Flipkart shopping
2: Flipkart voucher of Rs. 250 on the first transaction
3: 7.5% cashback on Myntra, 5% cashback on Flipkart shopping
4: 4% cashback on other platforms
5: Complimentary 6-month Gaana Plus membership
6: Innumerable welcome and milestone benefits
7: Best choice for Flipkart loyalists
1: One of the best credit cards for Flipkart shopping
2: 5% cashback on all major online platforms like Zomato, Swiggy
3: 1% cashback on both online and offline spends
4: Renewal fees waived off on reaching spending milestones
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1: No Cost EMI offers on Flipkart on a variety of products
2: Exclusive rewards for achieving milestones
3: Up to 8X reward points
4: Host of welcome offers, cashbacks, and discounts
5: Assured insurance cover
1: Joining fees nil
2: 10% off on all purchases
3: NeuCoins earned with each purchase can be redeemed across all Tata stores
1: 10X cashpoints on online and 5X cashpoints on offline purchases
2: Cashpoints even on EMI options
3: Discounts on all petrol pumps
4: Excellent choice for Flipkart customers
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Some other credit cards that can be used for shopping both at Amazon and Flipkart are
Cashback SBI Card, which gives customers 5% cashback on all online transactions and 1% cashback on all offline transactions using credit cards.
IDFC First Bank Credit Cards with no joining or annual fees, up to 3X reward points, easy EMI options with cashback of up to Rs. 1000 on the first EMI transaction.
YES Bank Paisabazaar PaisaSave Credit Card with 3% cashback points on Amazon and Flipkart, and other e-commerce platforms, and 1.5% cashback on all other transactions.
HDFC Moneyback+ Credit Card gives up to 10X reward points on Amazon and Flipkart, along with various other cashback benefits.
Axis Bank SELECT Credit Card gives benefits on groceries and other lifestyle products with a Rs 2000 Amazon voucher on the first transaction.
Jupiter Edge UPI Credit Card is a lifetime free credit card with zero annual fees and joining fees, and guaranteed 2% cashback on each shopping transaction.
All these credit cards have gained much popularity, as they offer seamless, quick, and easy payment options. These credit cards have their own sets of advantages and disadvantages. For online shopping with Amazon, Flipkart, or other online stores, we can use any of these credit cards after we get a thorough knowledge of how to use them. The use of these credit cards is not limited to any particular online site or merchant store.
More and more people are choosing online stores over physical stores for their daily and/or festive shopping needs, as shopping can be done anytime at their convenience. Gone are the days when people had to waste their time standing in queues to purchase their favorite items or standing at long bill counters. With the Indian e-commerce industry booming, Amazon and Flipkart have emerged as top-notch performers by housing a broad range of products and thus reaching a large customer base. Shopping with credit cards gives customers exclusive benefits, without putting an extra burden on their pockets. It may not be possible to say which is the best credit card for Amazon shopping or the best credit card for Flipkart shopping. Credit card details and information can also be stored in these digital platforms, thereby saving customers’ time, and customers do not have to enter their information every time they shop using their credit cards.
Customers should choose their credit cards depending on their eligibility and their shopping needs to reap maximum benefits. Though applying for credit cards is easy and shopping using credit cards is easier, customers must be vigilant enough to pay their bills on time and avoid interest charges piling up. Repaying credit cards on time also helps us in augmenting our creditworthiness and credit score.
Also Read: How to Track SBM ZET Credit Card Application Status Online
Yes, many credit cards are available in the recent digital world that can be used for shopping at Amazon, Flipkart, and many other online sites.
Amazon Pay ICICI Bank Credit Card is by far the best credit card for Amazon shopping for people who shop exclusively at Amazon. In general, it is hard to ascertain which is the best credit card for Amazon shopping in India, as shopping choices and preferences vary from individual to individual.
The vast majority of Indians favor using credit cards for shopping at Amazon and Flipkart, as they can accelerate their savings in the form of cashbacks, instant discounts, rewards, and gift vouchers with credit card shopping. Using credit cards wisely for shopping has a positive impact on our credit scores.
For customers who depend on Flipkart for all their shopping needs, from everyday staples to clothing to electronic appliances, the Flipkart Axis Bank Credit Card can be called the best credit card for Flipkart shopping.
One major reason people opt for shopping using credit cards is that they give us the option of paying later or even paying in equated monthly installments if we are unable to finish payments within the next billing cycle.
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