Which Credit Card Gives Maximum Cashback on Online Shopping?

Who doesn’t love cashback on all of their online purchases? We all want to earn rewards, especially cashback, when we spend on anything. To earn more cashback on all of your online expenses, opt for cashback credit cards. There are many types of credit cards in the market, and a cashback credit card is one of them. Customers who want rewards in the form of cashback rather than other rewards should always go for cashback credit cards. 

If you’re thinking which credit card gives maximum cashback on Online shopping, then don’t worry, in this blog, we have prepared a list of the best credit cards that give cashback on online shopping.

Best cashback credit card for online shopping

We have curated a list of the best cashback credit cards that you should consider to maximize savings on your online purchases. The top online shopping cashback credit cards are:

1. Flipkart Axis Bank Credit Card

This card is specifically designed for those people who frequently shop with the Flipkart app. 

Charges: Both the joining and renewal fees are Rs 500 plus GST.

Benefits: If we talk about the benefits of this card, then this card has so much to offer. Firstly, on your first transaction, you get a 500-rupee worth Flipkart voucher and a 100-rupee off on your first Swiggy order. 

• Additionally, you receive 4% cashback on partner merchant platforms.
• 5% cashback on purchases made on Flipkart.
• Exclusive benefits on every Wednesday transaction.
• Facility of converting transactions into EMIs.

Apply now to get this card and earn more cashback on your Flipkart app purchases.

2.SBI Cashback Credit Card

 This SBI cashback card is fantastic because it gives you incentives on the majority of your offline and online purchases.

Fees: The cost of joining and renewing is only Rs. 999 plus GST. If you spend Rs. 2 lakhs in a year, you can do away with the annual fee.

Benefits: Offers 5% cashback on online purchases.

• 1% cashback on offline purchases.
• A monthly cashback ceiling of Rs. 5000. 
• You also benefit from a 1% fuel surcharge. Because cashback is automatically credited to your account, it's a practical choice for people who want to get paid for regular purchases.

Apply right away to begin earning cashbacks with ease.

3. Swiggy HDFC Bank Credit Card 

A perfect card for those who frequently order food online via the Swiggy platform.

Charges: Both the joining and renewal fees are 500 rupees plus GST. 

Benefits: 3 months of SwiggyOne membership for free and 10% cashback on all Swiggy platform spends. 

• You also get zero card loss liability, providing peace of mind in case of card loss.
• 5% cashback on all online purchases.
• 1% cashback on other transactions.
• You also have an unlimited free home delivery service on Swiggy.

An excellent option for online shoppers and regular Swiggy customers. Apply immediately.

4.Myntra Kotak Credit Card

 This Myntra Kotak credit card offers users great cashback and other benefits. 

Charges: Pay Rs. 500+GST for joining and renewal fees. 

Benefits: Once your card is activated, you get a Rs. 500 Myntra gift voucher as well as a Rs. 500 voucher on your first transaction.

• 7.5% instant discount on Myntra purchases.
• Take advantage of a 1% fuel surcharge exemption, 5% cashback at partner retailers, and limitless 1.25% rewards on other expenses.
• 1 free domestic airport lounge access every quarter, along with 2 free movie tickets if you spend Rs. 50,000 or more in a year

If you want to enjoy all these benefits, then Apply Now.

5. Amazon Pay ICICI Credit Card

Obtain this ICICI bank card if you're looking for a card that doesn't charge fees and offers exciting benefits. 

Benefits: 3-month Amazon Prime membership for free upon joining and cashbacks, and discounts up to Rs 2000 as a welcome gift.

• Get rewards of up to 5% on practically everything you buy online.
• Cashback never expires and gets automatically transferred to your Amazon Pay account.
• Plus, ICICI Bank account holders can enjoy additional benefits.

You should apply now if you believe this card will meet all of your needs.

6.AU Altura Credit Card

 You should choose this card because with this card, you get cashback on all your online expenses, like travel, shopping, bill payments, etc.

Fees: The fees of this card are very low, with just Rs. 199 plus GST.

Benefits: Enjoy 2% cashback on groceries, departmental stores, and utility bill payments, and 1% cashback on other expenses.

• You can convert expenses of Rs. 2000 or above into easy EMIs, and the add-on card comes for free.

This card is a versatile choice for frequent spenders. Apply now to get yours.

*All the information is subject to change at any time, so it is advised to go through the bank's official page. 

Advantages of Using a Cashback Credit Card

The benefits of having a cashback credit card are given below:

• You can save a lot on your day-to-day expenses.
• Maximize savings with earned cashbacks.
• Unlike rewards points, cashback doesn’t expire and gets automatically transferred into the account.
• Cashback rate varies for all categories. Choose the one that offers the highest cashback, like shopping. 
• Earned cashback can be used for anything, not restricted to a specific category.

Eligibility Criteria

To qualify for most bank offerings, you need to meet a few basic criteria: You should be 18 years or older, have a credit score above 750, have a reliable income source, and be an Indian citizen.

Documentation 

When applying for a cashback credit card, you will need to provide the following documents: 

• Income proof
• Identity proof
• Address proof

How to apply?

Simply follow these steps to apply directly with FindCreditLoan:

• Visit the official Findcreditloan website.
• Select the ‘credit card’ option.
• Browse through the available cards.
• Select your preferred card and click "Apply Now."
• Enter your information and attach the necessary files.
• Double-check everything and submit your application.

Also Read :- How to Increase Your Credit Card Limit – Tips & Benefits

Conclusion

To conclude, cashback credit cards are ideal if you want to maximize savings on your daily expenses. With cashback cards, you can enjoy shopping online without worrying about the bill because you get a part of it back in the form of cashback that can be used again for shopping, paying bills, or anything you like to do. The best credit cards for e-commerce websites are all of the ones listed above.. 

Frequently Asked Questions? (FAQs)

Does any credit card provide maximum cashback on Amazon and Flipkart sites?

The Amazon Pay ICICI bank credit and Flipkart Axis bank credit cards are specifically designed for Amazon and Flipkart users to help them earn maximum cashback while online shopping. 

Which credit card gives 5% cashback on online transactions?

If you carefully look at all the cards listed above, almost all of them offer 5% cashback on online transactions.

How to get maximum cashback using credit cards online?
You can get maximum cashback online if you spend in the category that offers the highest cashback rates, such as shopping. Use your credit card for online shopping so that you can earn maximum cashback.