September 16, 2025 · 10 mins read
Santosh Kumar
Credit cards are a blessing in today's world; customers can buy practically anything using a credit card without immediate financial strain. With the emergence of huge online platforms like Amazon and Flipkart in recent times, there have been multiple uses for credit cards. Credit cards are customised 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. Digital 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 score 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 digital 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 maximise 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.
Shopping credit cards can offer benefits such as cashback, reward points, instant discounts and shopping vouchers. Before applying, consider the following:
If Amazon is one of your primary shopping platforms, a card with Amazon-specific rewards or cashback may offer greater value.
The Amazon Pay ICICI Bank Credit Card offers cashback on eligible Amazon and other transactions.
Key Features:
Suitable for: Frequent Amazon shoppers who want Amazon-focused cashback.
The SBI SimplyCLICK Credit Card is designed with online spending in mind and offers rewards on eligible online transactions.
Key Features:
Suitable for: Users who regularly shop across multiple online platforms.
HDFC Infinia is a premium credit card aimed at customers with higher spending requirements.
Key Features:
Suitable for: High-spending customers looking for premium rewards and benefits.
The HSBC Visa Platinum Credit Card offers rewards and shopping-related benefits.
Key Features:
Suitable for: Users looking for a card with straightforward rewards on everyday spending.
If you frequently shop on Flipkart, you may benefit from a card that provides higher cashback or rewards on Flipkart and other online purchases.
The Flipkart Axis Bank Credit Card is designed around shopping and lifestyle spending, with benefits on Flipkart and other eligible platforms.
Key Features:
Suitable for: Frequent Flipkart and Myntra shoppers.
The HDFC Millennia Credit Card offers cashback on selected online merchants and other eligible transactions.
Key Features:
Suitable for: Users who shop across several major online platforms.
Select Kotak credit cards offer online shopping benefits, milestone rewards and discounts.
Key Features:
Suitable for: Users who want a combination of rewards and shopping offers.
The Tata Neu Infinity Credit Card offers rewards linked to the Tata ecosystem and eligible purchases.
Key Features:
Suitable for: Customers who frequently shop or transact across the Tata ecosystem.
If you shop on multiple platforms, choosing a card with broader online rewards may be more useful than selecting a card tied to a single merchant.
Some options mentioned in the source include:
Benefits, fees and eligibility can vary by card, so check the latest terms before applying.
There are several advantages of credit card use for online purchases when the card is used responsibly.
1. Cashback and Rewards
You can earn cashback or reward points on eligible purchases, helping you get additional value from regular spending.
2. Instant Discounts
Banks and merchants often run special offers that provide instant discounts during sales and promotional periods.
3. Flexible Payments
Some credit cards allow eligible purchases to be converted into EMIs, making larger purchases easier to manage.
4. Purchase Protection
Certain cards may offer protection against fraud, theft or other risks, depending on the card's terms and benefits.
5. Build Credit History
Responsible credit card use, particularly making payments on time, can help build a positive credit history.
Once you've selected a card, you can generally apply through the issuer's website or app.
1. Visit the card issuer's official website.
2. Check the card's eligibility requirements.
3. Select the credit card you want.
4. Enter your personal and income details.
5. Complete the required KYC verification.
6. Submit the application.
7. Wait for the issuer's decision and card delivery.
Some issuers may provide digital or virtual card access after approval, depending on the product.
A credit card can offer valuable rewards, but using it responsibly is essential.
Paying your outstanding balance in full by the due date can help you avoid interest on eligible purchases.
Before choosing a card, compare these factors:
| Factor | What to Check | | ----- | ----- | | Annual fee | Is it free or can it be waived? | | Cashback | How much can you earn and are there monthly caps? | | Rewards | How many points do you earn and how can they be redeemed? | | Shopping benefits | Does the card reward your preferred platforms? | | EMI | What EMI options and charges are applicable? | | Credit limit | What limit may be available based on your profile? | | Eligibility | Do you meet the income and credit requirements? | | Other benefits | Check welcome offers, lounge access, fuel benefits and insurance, if applicable |
The card with the highest cashback isn't necessarily the right one for every shopper. Focus on the benefits you are most likely to use.
The right credit card can make online shopping more rewarding through cashback, discounts, reward points and flexible payment options. But with so many cards available, comparing them based on your spending habits is important.
Whether you're looking for a card specifically for Amazon or Flipkart, a credit card without FD or a card with broader rewards, check the fees, benefits and eligibility criteria before applying.
Most importantly, practise responsible credit card use. Pay your bills on time, stay within your repayment capacity and use rewards as a bonus rather than a reason to overspend.
1. Can I Use a Credit Card for Amazon and Flipkart Shopping?
Yes. Most credit cards that support online transactions can be used on Amazon, Flipkart and other eligible e-commerce platforms. Some cards also offer additional cashback or rewards on specific platforms.
2. What Are the Advantages of Using a Credit Card for Online Shopping?
The key advantages include cashback, reward points, instant discounts, shopping offers and flexible payment options. Responsible use can also help build your credit history.
3.Can I Get a Credit Card Without an FD?
Yes. Many regular, unsecured credit cards don't require a fixed deposit. However, approval generally depends on factors such as your income, credit score, existing debt and the issuer's eligibility criteria.
4. How Should I Choose a Credit Card for Online Shopping?
Compare cards based on your preferred shopping platforms, cashback or rewards, annual fees, spending requirements, eligibility and additional benefits. Your spending habits should be the primary factor in your decision.
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