Online shopping in India has skyrocketed, and platforms like Amazon and Flipkart are at the forefront of this revolution. With frequent mega-sales, cashback offers, and festival discounts, savvy shoppers can save big, especially if they use the right credit card. Whether it’s cashback, reward points, or EMI offers, the right credit card can amplify your savings and enhance your shopping experience. We’ve handpicked the top credit cards for 2025 that offer the best perks, cashback, and rewards when shopping on Amazon and Flipkart because your cart deserves smarter savings.
1. Amazon Pay ICICI Credit Card
Best for regular Amazon buyers, whether you’re team Prime or not. If you shop regularly on Amazon, this card is a no-brainer. The cashback system is simple and automatic, and there’s no annual fee burden. Plus, it doubles up as a great card for food, movies, and other online purchases.
Key Benefits:
- Enjoy 5% cashback on Amazon.in purchases if you’re a Prime member.
- 3% cashback for non-Prime users
- Earn 2% cashback when you spend on partner platforms like Swiggy, BookMyShow, and more.
- 1% cashback on all other spends
- No joining or annual fees
- Cashback credited as Amazon Pay balance
2. Flipkart Axis Bank Credit Card
Best for Flipkart loyalists and Myntra addicts. This card is tailor-made for Flipkart users and offers exceptional value with simple cashback rules. The bonus on partner platforms adds even more utility beyond just shopping.
Key Benefits:
- 5% cashback on Flipkart, Myntra, and 2GUD
- Bag 4% cashback on top partner brands including Swiggy, Uber, PVR, and Cure.fit.
- 1.5% cashback on all other spends
- Welcome benefits worth ₹500 (on Flipkart vouchers)
- Complimentary lounge access (domestic airports)
- ₹500 annual fee (waived on ₹2 lakh yearly spend)
3. HDFC Millennia Credit Card
Best for multi-platform users who shop across Amazon, Flipkart, and beyond. The HDFC Millennia card is great if you’re not loyal to just one e-commerce giant. The 5% cashback via SmartBuy boosts savings significantly when planned properly.
Key Benefits:
- 5% cashback on Amazon, Flipkart, Myntra, and other top brands (via PayZapp and SmartBuy)
- Get 1% cashback on every spend—whether you swipe online or offline.
- Welcome bonus vouchers worth ₹1,000
- ₹1,000 annual fee—fully waived when you spend ₹1 lakh or more in a year.
Also read: Top 10 Credit Cards for Movie Ticket Discounts in 2025
4. SBI SimplyCLICK Credit Card
This card is best suited for young professionals and students starting their credit journey. This is a solid entry-level card with great rewards on online shopping. While the cashback system is point-based, it’s still highly rewarding when used wisely on Amazon and other platforms.
Key Benefits:
- 10X reward points on Amazon (via SBI’s partner links), BookMyShow, and Cleartrip
- 5X points on all other online spends
- 1 point = ₹0.25, redeemable for shopping vouchers
- Welcome e-gift voucher worth ₹500
- ₹499 annual fee (reversed on ₹1 lakh spend annually)
5. ICICI Coral Credit Card
Best for offline and online combo shoppers, EMI users. While it doesn’t offer aggressive cashback, this card shines during big sale events like the Amazon Great Indian Festival or Flipkart Big Billion days especially for EMI purchases.
Key Benefits:
- Exclusive EMI offers on Amazon and Flipkart during sale events
- Complimentary movie tickets via BookMyShow
- Reward points on every transaction
- Access to ICICI’s iMobile app for tracking and offers
- Annual fee of ₹500, easily waived with sufficient yearly spending.
How to Pick the Perfect Credit Card for Shopping Sprees?
- Shopping Frequency: Amazon loyalists should lean towards Amazon Pay ICICI, while Flipkart fans will benefit more from the Flipkart Axis Bank card.
- Fee Structure: Opt for lifetime free cards like Amazon Pay ICICI if you’re looking to avoid maintenance costs.
- Welcome Benefits: If you’re new to credit cards, offers like vouchers and lounge access can sweeten the deal.
- Ease of Use: Flat cashback cards are easier to manage than complex point-based systems.
- Additional Perks: Look for extras like EMI options, lounge access, fuel surcharge waivers, etc.
Tips to Maximize Credit Card Rewards
- Use the Partner Links: Some cards offer higher cashback only when shopping through bank-specific portals like HDFC SmartBuy or SBI’s partner links.
- Time Your Purchases: Big shopping festivals like Diwali sales or year-end clearances offer bonus discounts and extra EMI deals.
- Combine Offers: Stack bank offers, cashback, and coupons during sales to double down on savings.
- Track Your Rewards: Most credit card apps let you track your cashback and points, so keep an eye on them and redeem regularly.
- Pay on Time: Avoid interest charges by paying full dues before the billing cycle ends don’t let the cashback get canceled out by penalties.
Whether you’re splurging on electronics or snagging deals during festive sales, the right credit card can truly supercharge your online shopping. In 2025, credit cards are not just payment tools, they’re money-saving companions. Choose the one that fits your shopping habits, lifestyle, and budget, and watch the savings pile up.
Written by Pydimarri Hema Harshini
