Best 16 Credit Cards For Online Usage In India 2022 | Top 16 Credit Cards for Online Usage In India 2022

In recent times, online shopping has gained huge popularity mostly because it gives you freedom from the bustling crowds, long waiting, and limited choice. If online shopping/expenses have become a part of your daily routine too, then you should get a credit card that can offer you exclusive deals on online expenses. Here are some of our favorite credit cards that offer the best deals on online expenses. 

• Table of Contents

  Axis Bank Select Credit Card

If the majority of your monthly budget is going to online expenses, then getting the axis bank select credit card will be a good idea for you. This card is specifically designed to add value to your online expenses. Offering an exclusive discount on online shopping, and other online expenses, this card can offer you a handsome saving every month. Read the complete axis bank select credit card review to know more about this card.

What are the Axis Bank Select Credit Card fees?

• Axis Bank Select Credit Card joining fee: Rs. 3000 + GST
• Axis Bank Select Credit Card annual fee: Rs. 3000 + GST

100xGain Rating:

7.5/10

What are the major Axis Bank Select Credit Card benefits?

• This axis bank select credit card offers up to a 20% discount on Bigbasket.

• You can enjoy up to 6 free access to most of the international airport lounges. You can find more about the axis bank select credit card lounge access are discussed in the complete review.
• You can bag up to a 20% discount on your dining bills.
• You can also enjoy some complimentary golf rounds at some of the frontline golf courses in India.

Pros and Cons:

Pros	Cons
You can make a huge saving from your dining and online expenses. This card gives you free access to most of the domestic and international lounges. You can also enjoy some free golf games.	The annual fee seems a bit high. There are no fuel benefits on this axis bank visa select credit card.

*If you have queries like how to activate axis bank select credit card or how to apply for axis bank select credit card, then make sure to take a look at the 100xGain FAQ page.

• HDFC Millennia Credit Card

The hdfc millennia credit card is one of the most popular credit cards among Indian millennials. Offering excellent deals on online shopping and travel booking, free access to airport lounges, and an unbelievable discount on dining bills, this card brings so much value with it that it can easily justify the Rs. 1000 annual fee. Read the complete hdfc millennia credit card review if you want to know more about this card.

What are the HDFC Millennia Credit Card fees?

• HDFC Bank Millennia Credit Card joining fee: Rs. 1000 + GST
• HDFC Millennia Credit Card annual fee: Rs. 1000 + GST

100xGain Rating:

7.5/10

What are the major HDFC Millennia Credit Card benefits?

• This hdfc millennia credit card offers you up to a 5% discount on Flipkart, Amazon, PayZap, and Smart Buy.
• This hdfc millennia credit card features up to 8 free access per year to most of the domestic airport lounges.
• You can bag a gigantic 40% discount on your dining bill.
• You can also make an Rs. 250 saving on fuel surcharges.

Pros and Cons:

Pros	Cons
This millennia hdfc credit card gives you huge savings on online expenses. You can get some free access to domestic airport lounges. You can also earn a handsome waiver on fuel surcharges.	The hdfc millennia credit card airport lounge access benefits are only applicable at domestic airport lounges. The annual fee seems a bit high.

• Axis Bank MY Zone Credit Card

When it comes to attractive online benefits at an affordable rate, the axis bank my zone credit card is the choice of many Indians. With attractive deals on online shopping and other online expenses, this card has the ability to make every transaction rewarding. Read the complete axis bank my zone credit card review to know more about this card.

What are the Axis Bank MY Zone Credit Card charges?

• Axis bank my zone credit card joining fee: Rs. 500 + GST
• Axis bank my zone credit card annual fee: Rs. 500 + GST

100xGain rating:

8/10

What are the major Axis Bank MY Zone Credit Card benefits?

• This axis bank my zone credit card offers you up to a 25% discount on Myntra.
• You can earn up to 4 reward points for every Rs. 200 transaction made using this card.
• You can enjoy free access to some of the selected airport lounges. More about the axis bank my zone credit card lounge access benefits are discussed in the complete review.
• You will also get a 25% cashback on movie tickets booked through Paytm.

Pros and Cons:

Pros	Cons
This my zone axis bank credit card offers a huge discount on online shopping and movie ticket booking. This card is also good at offering reward points. You will also get some free lounge access with this card.	The Shopping benefits are only available on Myntra.

• American Express SmartEarn Credit Card

If you want to give yourself the best possible credit card with online benefits, then the American Express SmartEarn Credit Card will be a decent choice for you. With accelerated rewards on every transaction, a milestone benefit program, and a low-cost EMI option, this card can add value to every transaction you make. Read the complete american express smartearn credit card review to know more about this card. 

What are the fees of the American Express SmartEarn Credit Card?

• American Express SmartEarn Credit Card joining fee: Rs. 495 + GST
• American Express SmartEarn Credit Card annual fee: Rs. 495 + GST

100xGain Rating:

7/10

What are the major benefits of the American Express SmartEarn Credit Card?

•  This card offers you up to 10X reward points on every transaction made on Uber and Flipkart.
• You can enjoy a 0% surcharge on fuel purchase at any HPCL fuel station in India.
• On spending Rs. 40,000 within a year, you can get a complete waiver on your annual fee.
• You can get some bonus rewards on reaching milestone spending. 

Pros and Cons:

Pros	Cons
The rate of earning reward points is very impressive. You can also enjoy a 0% convenience fee on fuel surcharges. There is also an annual fee waiver option on this card.	There are no travel booking benefits on this card. You will not get any dining benefits from this card.

*If you want to know about; how to activate a new american express smartearn credit card or how to check your american express smartearn credit card status then make sure to visit our faq page.

• Flipkart Axis Bank Credit Card

The joining perk of the flipkart axis bank credit card is among the most attractive I have seen from Axis Bank. Plus, it lets you earn a decent cashback on every transaction, gives you free access to most of the premium airport lounges, and offers an exclusive discount on your dining bills. Seems interesting, then feel free to take a look at the complete flipkart axis bank credit card review.

 

What are the Flipkart Axis Bank Credit Card charges?

• Flipkart Axis Bank Credit Card joining fee: Rs. 500 + GST
• Flipkart Axis Bank Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

7/10

What are the major Flipkart Axis Bank Credit Card benefits?

• This axis bank flipkart credit card offers you up to a 5% discount on Myntra, 2GUD, and Flipkart.
• You can enjoy up to 4 free access per year to most of the domestic airport lounges.
• You can bag a huge 20% discount on your dining bills.
• Also, this axis bank flipkart credit card features some attractive deals on hotel booking.

Pros and Cons:

Pros	Cons
You can earn handsome savings from your online expenses.  This axis bank Flipkart credit card gives you free access to most of the domestic airport lounges. You will also get a huge discount on your dining expenses.	The lounge access benefits are only available at domestic airport lunges.

*If you want to know about the flipkart axis bank credit card pin generation process or if you are curious about the axis bank flipkart credit card tracking process, then feel free to take a look at the 100xGain faq page.

• HDFC MoneyBack Credit Card

If you are looking towards maximizing your savings, then you should go for the hdfc moneyback credit card. Offering rewards on every transaction, a big waiver on fuel surcharges, and a huge milestone benefit scheme, this card brings so much value with it that it can easily neutralize the Rs. 500 annual fee. Read the complete hdfc moneyback credit card review to know more about this card.

What are the HDFC MoneyBack Credit Card charges?

• Hdfc Bank MoneyBack Credit Card joining fee: Rs. 500 + GST
• HDFC Bank MoneyBack Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

7/10

What are the major HDFC MoneyBack Credit Card benefits?

• This hdfc moneyback credit card offers you 2X reward points on every online transaction.
• You can earn up to Rs. 250 monthly waiver on fuel surcharges.
• There is also a milestone reward scheme on this card which lets you earn huge bonus rewards from milestone spending.
• There is also a low-cost EMI option available on this card.

Pros and Cons:

Pros	Cons
The rate of earning HDFC MoneyBack Credit Card reward points is quite impressive. You can make a good saving from fuel surcharges. You can also earn some bonus rewards from milestone spending.	There are no discounts or cash-back benefits on this HDFC MoneyBack Credit Card.  This card does not offer any lounge access benefits.

*For queries like; how to activate hdfc moneyback credit card or how to make hdfc moneyback credit card payment, you can visit our faq page.

• HSBC Cashback Credit Card

If earning cashback and making big savings from online transactions seems beneficial to you then you would love the hsbc cash back credit card. This card is particularly crafted to make every online transaction rewarding. With huge cashback on online transactions, free movie tickets, and exclusive deals on dining, this card has the potential to earn you huge monthly savings. Read the complete hsbc cash back credit card review to know more about this card.

What are the HSBC Cashback Credit Card charges?

• HSBC Cashback Credit Card joining fee: None.
• HSBC Cashback Credit Card annual fee: Rs. 750 + GST

100xGain Rating:

7/10

What are the major HSBC Cashback Credit Card benefits?

• This card offers you up to a 5% discount on Amazon.
• If you use this card to purchase a movie ticket from BookMyShow on Saturdays, you will get another one completely free.
• You can enjoy up to a 15% discount on your dining bills.
• You can also get a complete waiver on your annual fee just by spending Rs. 1,00,000 within a year.

Pros and Cons:

Pros	Cons
This card offers some attractive deals on online expenses. There is also a big discount on your dining bill. You can also get a complete waiver on your annual fee.	There are no fuel benefits on this card. You will not get any flight booking benefits from this card.

*If you want to know about the hsbc cash back credit card pin generation process, then make sure to take a look at our faq page.

• ICICI Bank Amazon Credit Card

The icici bank amazon credit card is the most popular credit card available In India. It is a uniquely crafted credit card designed to target shopaholics. It lets you enjoy huge discounts on amazon, exclusive deals on dining, attractive waiver on fuel surcharges, and what is more interesting is that you will get to enjoy all those benefits completely free of cost. Seems interesting, then make sure to take a look at the complete amazon pay icici bank credit card review.

What are the ICICI Bank Amazon Credit Card charges?

• ICICI Bank Amazon Pay Credit Card joining fee: None.
• Amazon Pay ICICI Bank Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8/10

What are the major Amazon Pay ICICI Bank Credit Card benefits?

•  This amazon pay icici bank credit card offers you up to a 5% discount on Amazon.
• You will also get a 15% discount on your dining bills.
• There is also a 1% waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
This ICICI Amazon Bank Credit Card is very good at offering shopping benefits. You will also get a handsome discount on your dining bills.	This card does not offer any movie benefits. There are no travel booking benefits on this Amazon Pay ICICI Bank Credit Card.

• Ola Money SBI Credit Card

The Ola Money SBI Credit Card can prove to be one of the most useful credit cards available in India. In the current situation when a majority of our monthly budget is going towards online cab booking, this card can offer you handsome savings on your online expenses including online cab booking. Read the complete ola money sbi credit card review to know more about this card.

What are the Ola SBI Credit Card charges?

• Ola SBI Credit Card joining fee: None.
• Ola SBI Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the major Ola Money SBI Credit Card benefits?

• This ola money sbi credit card features up to a 7% discount on every Ola ride.
• You can enjoy up to a 12% discount on travel and activity booking.
• You can earn up to Rs. 100 monthly waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
This card offers some very useful deals on online expenses. You can grab some exciting deals on travel booking. There is also an annual fee waiver option available on this card.	The monthly fuel surcharge waiver amount seems a bit low. There are no shopping benefits on this SBI Ola Money Credit Card.

• Standard Chartered DigiSmart Credit Card

If online shopping has become a part of your daily routine, then the standard chartered digismart credit card can be the perfect choice for you. This card is particularly designed to add value to your online expenses. From travel to shopping, and movies to dining, this card has everything to offer us. Read the complete standard chartered digismart credit card review to know more about this card.

What are the Standard Chartered DigiSmart Credit Card fees?

• Standard Chartered Bank DigiSmart Credit Card joining fee: Rs. 49 + GST
• Standard Chartered Bank DigiSmart Credit Card Monthly renewal fee: Rs. 49 + GST

100xGain Rating:

7/10

What are the major Standard Chartered DigiSmart Credit Card benefits?

•  This standard chartered digismart credit card offers up to 2 free movie tickets per month.
• You can bag up to a 10% discount on Grofers.
• The standard chartered digismart credit card features a 20% discount on Myntra.
• You will also get a 10% discount on online food orders from Zomato.
• On this digismart credit card standard chartered bank also offers some attractive travel booking offers.

Pros and Cons:

Pros	Cons
This card is very good at offering cash backs on online shopping and food order. You will also get a number of exclusive deals on travel booking, and online cab booking. There is also a low-cost EMI option available, which is very helpful.	You will not get any lounge access benefits from this digismart standard chartered credit card. The monthly renewal fee can be annoying for someone.

• SBI Simply Click Credit Card

The sbi simply click credit card is one of the most popular credit cards among frequent shoppers. Offering massive rewards on online transactions, exclusive waiver on fuel surcharges, huge milestone bonuses, this card brings so much value with it that it can easily offset the Rs. 499 annual fee. Read the complete sbi simply click credit card review to know more about this card.

What are the SBI Simply Click Card charges?

• SBI Simply Click Card joining fee: Rs. 499 + GST
• SBI Simply Click Credit Card annual fees: Rs. 499 + GST

100xGain Rating:

7/10

What are the major SBI Simply Click Credit Card benefits?

• This simply click sbi card offers up to 10X reward points for every Rs. 100 transaction made on Amazon, Cleartrip, Lenskart, Netmeds, etc. 
• You can make up to Rs. 100 saving on fuel surcharges.
• This card also offers a bonus reward on milestone spends.
• There is also an annual fee waiver option available.

Pros and Cons:

Pros	Cons
This card is very good for online transactions. The rate of earning SBI Simply Click Credit Card rewards is very impressive. There is also a milestone benefit scheme on this card.	There are no dining benefits on this SBI Simply Click Visa Credit Card. You will not get any travel booking benefits from this card.

*If you have queries like; how to activate sbi simply click credit card or how to increase the credit limit of sbi simply click credit card? then make sure to take a look at our faq page.

• RBL Bank Monthly Treats Credit Card

The rbl bank monthly treats credit card is among the most unique I have seen from RBL. This card is designed specifically to offer you extra savings from your online expenses. Also, unlike most credit cards, it does not charge any annual fee instead it has a monthly subscription fee. You can find more about this card from the complete rbl bank monthly treats credit card review.

What are the RBL Monthly Treat Credit Card charges?

• RBL Bank Monthly Treats Credit Card Joining fee: Rs. 50 + GST (One time)
• RBL Bank Monthly Treats Credit Card Monthly fee: Rs. 50 + GST (Monthly)

100xGain Rating:

6.5/10

What are the major RBL Bank Monthly Treats Credit Card benefits?

• This rbl credit card gives you up to a 10% discount on BookMyShow, Swiggy, and Groceries.
• You can also earn up to 2X reward points for every Rs. 100 transactions.
• This card also offers a huge bonus reward on milestone spends.
• There is also a low-cost EMI option available.

Pros and Cons:

Pros	Cons
This card is very good at offering discounts on online transactions. You can also earn some rewards from your online transactions. This card offers bonus gifts on milestone spends.	The monthly subscription system may seem irritating for someone. You will not get any travel benefits from this rbl bank monthly treat credit card.

• Standard Chartered Platinum Rewards Credit Card

When it comes to usefulness and affordability, the standard chartered platinum rewards credit card is very hard to replace. This card is uniquely crafted to offer you exclusive deals on e-commerce sites. It also lets you enjoy some very useful features like the low-cost EMI option, balance transfer facility, concierge service, etc. more details of the card are discussed in the complete standard chartered platinum rewards credit card review.

What are the Standard Chartered Platinum Rewards Credit Card charges?

• Platinum Rewards Standard Chartered Credit Card joining fee: Rs. 250 + GST
• Standard Chartered Platinum Rewards Credit Card annual fee: Rs. 250 + GST

100xGain Rating:

6.5/10

What are the major Standard Chartered Bank Platinum Rewards Credit Card benefits?

•  This standard chartered platinum rewards credit card offers up to a 15% discount on BIBA, Central, Croma, etc.
• You can also earn a 25% discount on INOX Cinemas.
• This card also offers a 20% discount on online food orders from Zomato.
• You can also earn some handsome rewards from your everyday expenses.

Pros and Cons:

Pros	Cons
This card is ideal for online usage. You can earn a handsome discount on movie tickets. This card also offers a huge discount on online food orders.	You will not get any discount on travel booking or lounge access with this standard chartered bank platinum rewards credit card.

• Paytm First Credit Card

When it comes to attractive deals on everyday spending, it is very hard to outrank the paytm first credit card. It lets you earn 1% cashback on every transaction, along with attractive deals on online movie booking and dining. Seems interesting, then feel free to read the complete paytm first credit card review to know more about this card.

What are the Paytm First Credit Card charges?

• Paytm First Citi Credit Card joining fee: Rs. 500 + GST
• Paytm First Citi Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

8/10

What are the major Paytm First Credit Card benefits?

• This paytm first visa platinum credit card comes with a complimentary one-year Paytm first membership which gives you unparalleled benefits on online and everyday expenses.
• This card offers exclusive deals on some of the premium e-commerce sites like Zonmato, BigBasket, etc.
• This card also offers a 1% discount on every transaction.
• If you book movie tickets from Paytm mobile app, you will get one movie ticket completely free with the purchase of another.

Pros and Cons:

Pros	Cons
This card offers cashback on every transaction. You can also earn some free movie tickets. You can also bag some exclusive deals on online food orders and groceries	The paytm first membership is valid for the first year only. There is no fuel surcharge waiver or travel booking benefits on this paytm first citi credit card.

*If you are thinking about; how can I apply for paytm first credit card or how to activate paytm first credit card then make sure to take a look at our faq page.

• RBL MoneyTap Credit Card

When it comes to usefulness and powerful online benefits, the rbl moneytap credit card is the choice of many Indians. It lets you enjoy extra rewards on online transactions, huge discounts on online food orders and groceries, etc. More details of the card are discussed in the complete moneytap rbl credit card review.

What are the RBL MoneyTap Card charges?

• MoneyTap RBL Credit Card joining fee: Rs. 499 + GST
• MoneyTap RBL Credit Card annual fee: Rs. 499 + GST

100xGain Rating:

6.5/10

What are the major RBL MoneyTap Black Credit Card benefits?

• This rbl moneytap card offers you 2 reward points for every Rs. 100 online transaction.
• You can enjoy up to a 10% discount on online Pizza Hut.
• This rbl moneytap credit card features a 5% discount on groceries.
• You can also earn some bonus rewards from milestone spending.

Pros and Cons:

Pros	Cons
This RBL Bank MoneyTap credit card offers big discounts on online Pizza orders. You can also earn some attractive discounts on groceries. This card also offers a very attractive deal on BookMyShow.	There are no benefits on online shopping. You will not get any fuel surcharge waiver from this RBL MoneyTap Card.

• Tata Titanium Card

The tata titanium card is an entry-level credit card designed to add a touch of convenience to your everyday life. It also lets you enjoy exclusive cashback on every transaction, a big waiver on fuel surcharges, a low-cost EMI option, and several other useful features. Read the complete tata titanium card review to know more about this card.

What are the fees of the Tata Titanium Credit Card?

• Tata Titanium Credit Card joining fee: Rs. 499 + GST
• Tata Titanium Card annual fee: Rs. 499 + GST

100xGain Rating:

6/10

What are the major Tata Titanium Card benefits?

• This tata titanium card features a 1.5% cashback on cromaretail.com and Croma.
• You can also earn a 5% cashback at any TATA outlet.
• You can make up to Rs. 100 saving per month on fuel surcharges.
• There is a low-cost EMI option available on this card which is very helpful for frequent shoppers. 

Pros and Cons:

Pros	Cons
You can earn some handsome cashback on your shopping. This card also offers reward points on your daily expenses.	The shopping benefits are only applicable to Croma and TATA outlets. The annual fee for Tata Titanium Card seems a bit high, compared to its benefits.