Online shopping in India will look quite different by 2025—super-fast deliveries, one-click checkouts, and perpetual sales will be the norm. In a digital-first age, the right credit card can do far more than just provide convenience. Credit cards are one of the best ways to maximise savings while you shop. As one of the leading credit card issuers in India, SBI offers many digital-first credit cards that allow you to earn rewards or money, exclusively on how you shop online. Regardless of whether you earn cashback or rewards, SBI has a card that matches your online shopping habits.
Why Choose SBI Credit Cards for Online Shopping?
- Wide Acceptance & Trust: SBI credit cards are accepted on all major e-commerce platforms like Amazon, Flipkart, Myntra, and BigBakset, so you can trust them when making online payments.
- Flexible for Every Spending Style: Whether you prefer cashback, reward points, or what offer with every purchase, that’s why SBI has made sure they have options for every digital spender.
- Smooth Digital Experience: You’ll have real-time spend tracking, instant cashback credits, UPI-based payments, full control through an app, and one-tap EMI conversions.
- Bonus to Save Smart: Add-on features like waivers on fuel surcharges, waivers on your annual fees based on milestones, vouchers upon joining, and ties with partner merchants with add-ons.
- More Secure & Safe: SBI protects all payments by providing various elements of security like OTPs on registrations and purchases, flexibility to lock/unlock your card using their app, and instant notification alerts for traceability – knowing your spending for the cautious mind.
Key Features to Look for in an Online Shopping Credit Card
- Cashback Versus Rewards: Ultimately, you’ll have to choose between the ease of an instant cashback saving and the alternative of accruing rewards points for a later redemption.
- Accelerated Rewards with Partners: When assessing a card, don’t just look at the base rewards, but also partners that provide enhanced rewards for brands you regularly engage with—an example is brands like Amazon, BookMyShow, or Myntra.
- Welcome & Milestone Benefits: Look to identify cards that offer joining bonuses, milestone vouchers, and waivers of the annual fee.
- Digital Convenience: Look at digital payments, cards with UPI link options, management via application and real-time tracking capabilities.
Best SBI Credit Cards for Online Shopping in 2025
1. SBI Cashback Card
- 5% cashback on all eligible online transactions
- 1% cashback for your offline spends
- Cashback is credited automatically to your statement (no need to redeem)
- No merchant restrictions – earn savings independent of the platform
- 1% on fuel surcharge waived
- Annual fee waiver ($49) – spend ₹2 lakh/year
- Ideal for: shoppers looking for easy, universal savings and not managing points
2. SBI SimplyCLICK Credit Card
- 10X reward points on Amazon, Apollo, BookMyShow, Cleartrip, etc.
- 5X reward points for all other online spending
- Welcome gift: ₹500 Amazon gift voucher
- Milestones rewards = e-vouchers valued at ₹2,000 for online spending of ₹1L & ₹2L
- Annual fee waived if you spend ₹1 lakh
- Low annual fee, a perfect starting card for first-time users
- Ideal for: Young professionals and shoppers interested in rewards.
3. SBI SimplySAVE Credit Card
- 10X rewards points on groceries, dining, and movie spending
- MasterSpend is both (on- and off-line)
- Welcome bonus: 2,000 points if the card has been spent on 2000 (in total) for 60 days
- One rewards point for every ₹100 of other spending
- One percent fuel surcharge waiver
- Annual fee waved provided there has been a total spend of ₹100,000 for the year
- Good for: budget families and moderate spenders
4. Tata Neu Infinity / Plus SBI Card
- NeuCoins for spending on Tata brands:
- Infinity: 5% on Tata Neu App and partners
- Plus: 2% on the Tata Neu App and partners
- 1.5% (Infinity) / 1 % (Plus) NeuCoins for other spends.
- Redeemable across the Tata ecosystem: BigBasket, Croma, Titan, etc.
- Great way to spend an all-in-one shopping experience across Tata retailers
- Good for: consistent Tata Neu app shoppers and those brand buyers looking to earn NeuCoins
5. FBB SBI STYLEUP Card
- Flat 10% for FBB and Big Bazaar.
- Welcome vouchers and exclusive retail tie-ups
- Great savings offline; some occasional online use, where applicable
- Affordable entry-level card in the fashion/lifestyle category
- Good for: fashionistas who are shopping on a budget and FBB regulars.
Comparison Table
| Card Name | Online Rewards | Best For | Annual Fee |
|---|---|---|---|
| SBI Cashback | 5% Cashback (Online) | General online shopping | ₹999 |
| SimplyCLICK | 10X Points (Amazon, etc.) | Platform-based reward users | ₹499 |
| SimplySAVE | 10X Points (Essentials) | Family + offline users | ₹499 |
| Tata Neu Infinity | 5% NeuCoins (Tata ecosystem) | Tata app loyalists | ₹1,499 |
| FBB STYLEUP | 10% Discount at FBB/Big Bazaar | Fashion budget shoppers | ₹499 |
Conclusion
Picking the right SBI credit card in 2025 will convert every online transaction into either real savings or valuable rewards. Whether you like flat cashback or an accelerated amount of reward points, there is a card that is designed to suit your spending patterns. SBI is continually improving its offering to keep up with India’s modern shoppers, to make sure our digital natives get value out of purchases. Match the features of the card to your online shopping style, good luck comparing benefits and make your next online shopping trip smarter, safer and a whole lot more rewarding!
Written by N G Sai Rohith
