Top Cashback Credit Cards in India for Online Shopping – 2025
Shop smart, earn more—India’s best cashback cards designed for digital-first shoppers!
Online shopping is no longer a luxury—it’s a lifestyle. And with it comes the need to optimize your expenses. That’s where cashback credit cards come in. Whether you're ordering groceries, streaming Netflix, or booking flights, the right credit card can put money back in your pocket every time you spend. In this guide, we’ll explore the top cashback credit cards in India for online shopping in 2025, handpicked to maximize rewards while minimizing fees.
Why Use a Cashback Credit Card for Online Shopping?
- Earn guaranteed cashback on every spend
- Zero or low annual fees
- Exclusive online offers and app-based deals
- Some cards offer milestone-based lounge access too
- Better money management and monthly saving opportunities
Top Cashback Credit Cards for Online Shopping – 2025 Picks
1. Federal Bank Scapia Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- 10% cashback on all online spends via Scapia App
- Unlimited domestic lounge access (milestone-based)
- Zero forex markup for international transactions
- Best For: High digital spenders and travelers
2. Axis Ace Credit Card
- Annual Fee: ₹499 (waived on ₹2L spend)
- 5% cashback on Google Pay, 4% on bill payments
- Free lounge access 4 times a year
- 1.5% cashback on all other spends
- Best For: UPI and utility spenders
3. AU LIT Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Up to 10X rewards on online packs (customizable)
- Choose cashback, OTT, or lounge benefits every quarter
- No income proof required for most students/freelancers
- Best For: Custom online lifestyle preferences
4. SBI Cashback Card
- Annual Fee: ₹999
- 5% cashback on online merchants (Amazon, Flipkart, etc.)
- 1% on all other spends
- Up to ₹5,000 cashback cap per month
- Best For: E-commerce shoppers
Comparison Table
| Card | Annual Fee | Cashback | Best For |
|---|---|---|---|
| Federal Scapia | ₹0 | 10% on app spends | Frequent online buyers |
| Axis Ace | ₹499 | 5% on UPI, 4% bills | UPI & bill payments |
| AU LIT | ₹0 | 10X rewards (custom packs) | Streaming & lifestyle |
| SBI Cashback | ₹999 | 5% on online sites | Amazon & Flipkart |
Eligibility Criteria
- Minimum age: 18 years
- Valid Aadhaar and PAN card
- No income proof required for Scapia & AU LIT
- Good credit score for Axis Ace and SBI Cashback (650+)
How to Maximize Cashback from These Cards?
- Use Scapia app for all purchases to earn 10% flat rewards
- Activate quarterly packs in AU LIT for OTT, cashback, or travel benefits
- Pay bills via Google Pay with Axis Ace to earn 5%
- Shop on Amazon/Flipkart using SBI Cashback for maximum returns
FAQs – Cashback Credit Cards India 2025
Which credit card gives the highest cashback for online shopping?
Federal Scapia and Axis Ace offer the highest returns: 10% via app (Scapia) and 5% via Google Pay (Axis).
Are these credit cards free?
Yes, AU LIT and Scapia are lifetime free. Axis Ace is waived on ₹2L spend. SBI Cashback charges ₹999 annually.
Can students or freelancers apply?
Yes. AU LIT and Scapia allow approval with basic KYC only—no income proof needed.
How is cashback credited?
Cashback is automatically credited to your statement monthly or quarterly depending on the card.
