Best Shopping Credit Cards in India

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 April 2024.

Top 7 Shopping Credit Cards in India

Credit Card Annual Fee Best Feature Offers Best Rewards On
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

1. Axis Bank Neo Credit Card

Best Shopping Credit Card with Discounts on Multiple Brands

Axis Bank Neo Credit Card
Annual Fee: Rs. 250
- Welcome gift vouchers of up to Rs. 250 each from Amazon, along with a Zomato voucher of Rs. 250 and a Blinkit subscription with a 6-month Pharmeasy subscription. - Enjoy a 40% discount of up to Rs. 120 on Zomato food delivery. - Get a 5% discount on mobile, broadband, and DTH recharges via Amazon Pay. - Avail a 10% discount on Blinkit, Myntra, and BookMyShow movie tickets. - Receive a 15% discount at partner restaurants under the Axis Bank Dining Delights program. - Earn 1 EDGE reward per Rs. 200 spent. - Access an EMI facility on every purchase of Rs. 2,500 or above.

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.

You should get this card if: Consider other options if:
  • You are a loyal customer of the brands like Myntra, Blinkit, Zomato, etc
  • You are looking for a card with comprehensive features and a low annual fee.
  • You are open to paying a higher annual fee for enhanced benefits across various spending categories, without being restricted to specific brands.
  • You would like to earn better reward points on your every purchase.

2. Flipkart Axis Bank Credit Card

Best Shopping Credit Card with Co-branded Benefits

Flipkart Axis Bank Credit Card
Annual Fee: Rs. 500
- Enjoy 1% fuel surcharge waiver up to Rs. 400 per month. - Receive 5% cashback on your transactions at Flipkart. - Get 4% cashback on shopping with other preferred merchants. - Avail 1.5% unlimited cashback on Myntra and flight & hotel payments on Flipkart. - Earn 1.5% cashback across all other categories. - Access 4 complimentary domestic lounge visits in a year. - Welcome benefits worth Rs. 1,100.

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.

You should get this card if: Consider other options if:
  • You often make purchases with Flipkart, Myntra, and other merchants recommended by the card issuer.
  • You would prefer direct cashback over rewards, vouchers or merchandise
  • You prefer enjoying benefits across travel, dining, entertainment, and various categories, without being restricted to specific platforms.
  • You prefer selecting the shopping destination based on the best deals available rather than being loyal to a specific platform such as Flipkart or Myntra.

3. Axis Ace Credit Card

Top Cashback Credit Card for Shopping

Axis Ace Credit Card
Annual Fee: Rs. 499
- Unlimited cashback with no upper limit - Enjoy 4 complimentary domestic lounge visits annually - Get up to 20% off at 4,000+ participating restaurants - 5% cashback on Google Pay bill payments, DTH, and mobile recharge - 4% cashback on Swiggy, Ola, and Zomato expenses - 2% cashback on all other purchases - Benefit from a 1% fuel surcharge waiver at all fuel stations

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.

You should get this card if: Consider other options if:
  • You often use Google Pay for paying bills and shopping at various merchants such as BigBasket, Grofers (now Blinkit), Swiggy, Zomato, and Ola.
  • You would prefer simple benefits and high cashback rate over rewards or vouchers
  • You would like to get additional benefits on travel or fuel
  • You prefer to choose the place that offers the best deals instead of preferring a particular website like Grofers (now Blinkit), Bigbasket, Swiggy or Zomato for your dining and grocery needs

4. SBI SimplyCLICK Credit Card

Best Shopping Credit Card with Extra Rewards on Online Shopping

SBI SimplyCLICK Credit Card
Annual Fee: Rs. 499
- Enjoy a welcome gift of Rs. 500 from Amazon. - Earn 10X reward points on online spends with partner brands. - Receive 5X rewards on all other online spends. - Get cashback up to Rs. 750 on booking packages above Rs. 1,500 via the Cleartrip mobile app. - Avail cash withdrawal up to 80% of the credit limit. - Convert expenses of Rs. 2,500 or above into EMIs.

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.

You should get this card if: Consider other options if:
  • You wish to get reward points for your spending instead of cashback
  • You want a basic low-fee card with some extra benefits on online shopping
  • You would like better options to redeem the reward points
  • You wish to get benefits across some other categories like travel or dining

5. Amazon Pay ICICI Credit Card

Best Shopping Credit Card with Zero Annual Fee

Amazon Pay ICICI Credit Card
Annual Fee: Nil
- Amazon Prime users can enjoy 5% cashback on purchases at Amazon.in. - Non-Amazon Prime users are eligible for 3% cashback on purchases at Amazon.in. - Earn 2% reward points on recharges and bill payments. - Get 2% cashback on transactions with 100+ Amazon Pay partner merchants. - Receive 1% cashback on all other payments. - Benefit from no-cost EMI on all purchases above Rs. 3,000 for 3 and 6 months.

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.

You should get this card if: Consider other options if:
  • You are an Amazon Prime Customer or plan to become one upon getting the card
  • You prefer Amazon for everything- from gadget shopping to groceries to utility bill payment
  • You need generous benefits across other categories like travel or entertainment
  • You like online shopping but are not loyal only to Amazon

6. HDFC Millennia Credit Card

Best Shopping Credit Card for Cashback

HDFC Millennia Credit Card
Annual Fee: Rs. 1,000
- Receive 1,000 Cash Points (Reward Points) upon payment of the membership fee. - Get a Rs. 1,000 gift voucher for spending at least Rs. 1 lakh in each calendar quarter. - Enjoy 5% Cashback on shopping through Amazon and Flipkart, as well as on Flight & Hotel bookings via PayZapp and SmartBuy. - Earn 2.5% cashback on all online purchases. - Avail 1% cashback on all offline spends and wallet reloads. - Benefit from 8 complimentary domestic lounge accesses per calendar year, with 2 accesses allowed in each quarter.

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.

You should get this card if: Consider other options if:
  • You frequently use Flipkart and Amazon to shop online
  • You are a heavy spender and prefer cashback over rewards and vouchers
  • You would want a card with more benefits than cashback and are ready to pay a higher annual fee
  • You enjoy online shopping but prefer to decide where to shop based on the best deals available, rather than sticking to a specific platform like Amazon or Flipkart.

7. HSBC Cashback Credit Card

Best Shopping Credit Card with Cashback and Rewards

HSBC Cashback Credit Card
Annual Fee: Rs. 750
- Earn 1.5% cashback on all online spends (excluding transfers to online wallets). - Receive 1% cashback on all other spends. - Enjoy cashback on Instant EMI when used at listed merchant partners. - Benefit from no maximum cap on cashback. - Cashback is credited within 45 days of the card statement date. - Avail up to a 15% discount at partner restaurants of HSBC Bank.

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.

You should get this card if: Consider other options if:
  • You shop online and offline regularly
  • You use your credit card frequently
  • You are looking for a low annual fee card
  • Your annual income is below Rs. 4 lakhs per annum

How to Choose the Right Shopping Credit Card?

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:

  • Annual Fee
  • Welcome Gift/Sign-up Bonus
  • Flexibility of Benefits (Cashback/Rewards Redemption Process)
  • Final Value Back (Cashback percentage/Rewards Value in Rupee)
  • Other terms and conditions

Making the Most of Your Shopping Credit Card

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:

Use your card strategically- Utilize the card to its full potential by focusing on the benefits and cashback it offers. Make sure to place expenses on the card that yield the highest benefits. Offset your fees with earnings - Even if you don't use your credit card for every expense, aim to make enough purchases to offset the annual fee. Achieve this by reaching spending milestones for fee waivers or making purchases that provide value equivalent to the annual fee. Stay informed about current offers - Credit card offers change regularly, so staying updated is crucial to maximize your benefits. Keep track of the latest promotions to make the most of your card's features.

If you have multiple credit cards, try to maximize your benefits by combining them.

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