Best Shopping Credit Cards in India

Deals and discounts are in full swing during the festive season. Even though you’re probably starving for the best deal on your favorite gadget or festive wear, a little planning can help you save some money. Would you like to know how? Cashback credit cards are here. The money you spend on your credit card can be earned in the form of reward points or a percentage of what you spend.

With Best Shopping Credit Cards, you can enjoy a rewarding shopping experience. Spending rupees unlocks perks and deals. Whether you’re shopping at the mall or online, maximize the value of every rupee. You’ll enjoy a bonanza of benefits from electronics and fashion to groceries and essentials. Discover the joy of turning your purchases into a world of rewards and savings. Experience a new era of shopping with a world of privileges at your fingertips. Start enjoying now!

Best Shopping Credit Cards in India

1. HDFC Moneyback Credit Card

Since the annual fee is not much, this card is ideal for first-time credit card users. In addition, the user can redeem points for cashback.

• The annual fee is Rs.500.

These features include:

• As a welcome gift, individuals will receive 500 rewards.
• Every Rs.150 spent online earns you 2X reward points
• Users can also convert their accumulated rewards into cashback (100 points = Rs.20).

2. HDFC Millennia Credit Card

Millennial shoppers who enjoy online shopping will find this credit card useful as it caters to their needs. Additionally, it offers users exclusive benefits.

• The annual fee is Rs.1000.

These features include:

• On payment of membership, users will receive 1000 reward points.
• Every quarter, members will also receive Rs.1000 gift vouchers for spending Rs.1 lakh.
• PayZapp and SmartBuy flight and hotel bookings get 5% cashback from Amazon & Flipkart.
• Additionally, members will receive 2.5% cashback on all online purchases.
• Reload your wallet and get 1% cashback
• There are 8 complimentary domestic lounge accesses offered every financial year, i.e., 2 per quarter

3. Amex Membership Rewards Credit Card

There are many benefits of Amex credit cards, and users can save a lot from their shopping wallets. If a member spends Rs.5000 within 90 days of activating their card, they will receive 2000 bonus reward points.

• The annual fee is Rs.1000.

These features include:

• If users spend Rs.1.5 lakh on renewal, they will get a 100% fee waiver
• If one spends between Rs.90,000 and Rs.1,49,999, one can receive a 50% fee waiver.

4. HDFC Regalia Credit Card

The card caters to luxury purchases and is a premium credit card. Additionally, this card offers 4 reward points for every Rs.150 spent and 10,000 reward points for every Rs.5 lakh spent.

• The annual fee is Rs.2500

These features include:

• As a welcome offer, users will receive a Zomato Gold membership
• Every year, renewal benefits are 2500 points
• Furthermore, the bank will not charge an annual fee if the user spends Rs.3 lakh in the previous year.

5. Axis Bank Ace Credit Card

As one of India’s best credit cards for online shopping, it offers 2% cashback on all transactions.

• Fee: Rs.499 per year

The following features:

• On every bill payment, including mobile and DTH recharges, Google Pay initiates 5% cashback.
• Swiggy, Zomato, and Ola offer 4% cashback.
• Earning cashback has no upper limit.
• At more than 4000 participating restaurants, one can get up to 20% off
• With this credit card, individuals can waive 1% of the fuel surcharge at all petrol pumps.
• One can visit four domestic lounges in a year

6. Flipkart Axis Bank Credit Card

The Axis Bank Flipkart credit card is ideal for shoppers who frequently shop at Flipkart. After Axis Bank Ace credit card, it offers the second-highest cashback rates. They also have many partners, such as Myntra, Swiggy, and PVR.

• The annual fee is Rs.500.

The following features:

• Earn cashbacks by: There is a 5% discount on Flipkart, Myntra, and 2GUD
• On Swiggy, Uber, PVR, and Cure.fit, you’ll get 4%
• Cashback of 1.5% on all categories
• From e-commerce websites such as Myntra, Flipkart, and Swiggy, individuals receive a joining benefit worth Rs.2900.

7. ICICI Amazon Pay Credit Card

It is extremely popular among shoppers to use the ICICI Amazon Pay credit card. There is no doubt that it is the best card for shopping online on Amazon, but it is not limited to just that particular e-commerce site.

• Fee: N/A

The following features:

• With this credit card, there are no annual fees for life.
• Purchases over Rs.3000 are eligible for no-cost EMI for a period of 3 to 6 months.
• Shop on Amazon and get 5% cashback for Prime members.
• Additionally, non-Prime members get 3% cashback on purchases.
• Get 2% cashback when you shop at 100+ Amazon partner merchants.
• All purchases earn 1% cashback
• All ICICI bank partner restaurants offer a 15% discount
• Waiver of 1% fuel surcharge at all petrol stations

8. SBI SimplyClick Credit Card

Users can withdraw 80% of their credit limit. Additionally, it offers 10X rewards to its users on websites like Amazon, BookMyShow, NetMeds, and Cleartrip.

• The annual fee is Rs.499

These features include:

• All online merchants will reward you with 5% of your reward points
• As a welcome gift, users will receive a Rs.500 Amazon gift voucher.
• Every online purchase of Rs.100 will earn you 5 rewards
• Cleartrip offers e-vouchers worth Rs.2000 upon reaching spending milestones of Rs.1 lakh and Rs.2 lakh.