Are you passionate about shopping? Do you find yourself frequenting malls and stores often? Is opening e-commerce apps on your smartphone a daily ritual? If you answered yes to any of these questions, this article is tailored just for you. Shopping credit cards bring a host of benefits, including deals, discounts, cashback, and rewards with every purchase, whether in-store or online. In the following sections, we will explore the top 7 Shopping credit cards in India for the year November 2024.
Credit Card | Annual Fee | Best Feature | Offers Best Rewards On |
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Axis Bank Neo Credit Card | Rs. 250 | 40% off on Zomato; 10% off on Blinkit& Myntra | Myntra, Zomato, Blinkit, BookMyShow movie tickets |
Flipkart Axis Bank Credit Card | Rs. 5,000 | 5% cashback on Flipkart | Flipkart |
Axis Ace Credit Card | Rs. 499 | 5% cashback on bill payments, DTH, and mobile recharges via Google Pay | Google Pay, Swiggy, Ola, and Zomato |
SBI SimplyCLICK Credit Card | Rs. 499 | 10X Reward Points on online spends | BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, etc. |
Amazon Pay ICICI Credit Card | Nil | 5% cashback on shopping at Amazon | Amazon |
HDFC Millennia Credit Card | Rs. 1,000 | 5% cashback on Amazon, Flipkart and HDFC SmartBuy transactions | Amazon, Flipkart, Smartbuy, PayZappand other online spends |
HSBC Cashback Credit Card | Rs. 750 | 1.5% cashback on all online spends and 1% cashback on all other spends | Amazon, BookMyShow, Tata Cliq |
Best Shopping Credit Card with Discounts on Multiple Brands
The Axis Neo Credit Card is great for both shopping and other areas like dining, food delivery, movies, and recharges. It's a valuable addition to the best credit cards for shopping, offering direct discounts on a wide range of brands.
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Best Shopping Credit Card with Co-branded Benefits
The Flipkart Axis Bank Credit Card stands out as the top choice among shopping credit cards in India. It's ideal for avid Flipkart users, providing exclusive co-branded benefits. With a flat-rate cashback of 1.5% on all expenditures, including those outside Flipkart, it offers better value compared to alternatives like the Paytm SBI Card and Amazon ICICI Card.
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Top Cashback Credit Card for Shopping
The Axis Bank Ace Credit Card stands out as one of India's premier cashback credit cards, offering a flat 2% cashback on all expenditures. This means that for every Rs. 10,000 spent across any category*, you receive a straightforward cashback of Rs. 200. Notably, it is among the select cards that provide substantial cashback on utility bill payments. Priced at an annual fee of Rs. 499, this entry-level card is a top choice for discerning shoppers. Particularly ideal for individuals embarking on their professional journey, Axis Ace ensures rewarding benefits for those seeking a credit card that aligns with their financial goals.
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Best Shopping Credit Card with Extra Rewards on Online Shopping
Similar to The HDFC Moneyback card, the SBI SimplyCLICK offers extra reward points for online shopping. However, it goes a step further by providing even more points when you shop with their exclusive partners. If SBI Card's partner merchants align with your preferences, opting for this card would be a smart choice.
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Best Shopping Credit Card with Zero Annual Fee
The ICICI Amazon Pay Credit Card is perfect for those who primarily shop on Amazon. The more you spend on Amazon, the higher your cashback will be. It's particularly advantageous for Amazon Prime users, who enjoy an additional 2% cashback on Amazon purchases. While the basic cashback rate is 1% (lower than Flipkart Axis Card or Axis Ace Card), the benefits are reasonable for a credit card with no annual fee for a lifetime. It's worth noting that the cashback is provided in the form of Amazon Pay Balance, usable exclusively on Amazon and its partner merchants.
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Best Shopping Credit Card for Cashback
The HDFC Millennia Credit Card is made specifically for millennials who love online shopping and want rewards for their spending. When you shop online with the card, you can get up to 5% cashback, and for all offline spending, you'll receive 1% cashback.
The card is perfect for loyal customers of Flipkart and Amazon. However, considering that other online spends also earn you 2.5% cashback, it's not a bad choice if you plan to shop beyond just Amazon and Flipkart. So, if you're confident about your higher spending, HDFC Millennia is a good option, especially since cashback benefits apply to transactions above a certain value.
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Best Shopping Credit Card with Cashback and Rewards
The HSBC Cashback Credit Card is an excellent choice for earning unlimited cashback. With exclusive benefits on Amazon purchases, you get a 5% discount on transactions of Rs. 1000 or more. If you're a regular Amazon shopper, this card is a valuable option. Beyond Amazon, it also provides discounts on BookMyShow and Tata Cliq.
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People have different shopping preferences. Some like online platforms over physical stores, and within online sites, they may have specific favorites. Your ideal shopping card depends on how you use it. We've grouped the credit cards based on their best-suited bonus categories. You can pick one from the list that matches your needs.
Once you've figured out why you want the card and narrowed down your options, the next step is to compare them based on the following criteria:
After you've identified the most suitable credit card for your needs, the next step is to use it wisely. Here are a few tips to maximize the benefits of your card:
If you have multiple credit cards, try to maximize your benefits by combining them.