Shopping credit cards
Shopping credit cards are a type of credit card that is designed to provide you with exclusive offers, discounts, and cashback on your shopping expenses. Here are the best Shopping Credit Cards in India for the year 2023.
Best Shopping credit cards in India
HDFC Bank Millennia Credit Card
- Shopping
- Lifestyle
Fee
Joining Fee - Rs. 500
Annual Fee – Rs. 500
More info
The HDFC Bank Millennia Credit Card is the best shopping credit card in India. It offers up to 5% cashback on shopping expenses made on Amazon, Flipkart, and other partner websites. Additionally, you can earn up to 2.5% cashback on all other retail spends. Cardholders can also earn rewards points for their transactions, which can be redeemed for exciting gifts and merchandise.
- 5% cashback on Amazon, Flipkart, and other partner websites
- 2.5% cashback on all other retail spends
- Up to 1,000 bonus reward points every month
- Fuel surcharge waiver
- Contactless payments
- Zero liability on lost or stolen cards
SBI SimplyCLICK Credit Card
- Shopping
- Lifestyle
Fee
Joining Fee - Rs.100 + GST (monthly)
Annual Fee - Nil
More info
The SBI SimplyCLICK Credit Card is another excellent option for shopping enthusiasts. It offers 10x reward points on online spends made at Amazon, BookMyShow, Cleartrip, Foodpanda, and other partners. Cardholders can also earn 5x reward points on all other online spends. Additionally, you can earn 1 reward point for every Rs. 100 spent on other transactions.
- 10x reward points on online spends made at Amazon, BookMyShow, Cleartrip, Foodpanda, and other partners
- 5x reward points on all other online spends
- 1 reward point for every Rs. 100 spent on other transactions
- Fuel surcharge waiver
- Contactless payments
- Zero liability on lost or stolen cards
Premium
ICICI Bank Amazon Pay Credit Card
- Cashback
- Rewards
- Shopping
- Lifestyle
Fee
No Joining Fee
No Annual Fee
More info
- 5% cashback on Amazon purchases (Prime members)
- 3% cashback on Amazon purchases (non-Prime members)
- 2% cashback on spends made at partner merchants
- 1% cashback on all other transactions
Premium
Axis Bank Flipkart Credit Card
- Cashback
- Rewards
- Shopping
- Lifestyle
Fee
Joining Fee - Rs. 500
Annual Fee - Rs. 500
More info
The Axis Bank Flipkart Credit Card is a co-branded credit card that offers attractive rewards for Flipkart users. Cardholders can earn up to 5% cashback on Flipkart purchases, along with other rewards on other spends. Additionally, you can earn 4% cashback on spends made at partner merchants.
- 5% cashback on Flipkart purchases
- 4% cashback on spends made at partner merchants
- 1.5% cashback on all other transactions
- Complimentary airport lounge access
- Fuel surcharge waiver
Premium
Citibank Cashback Credit Card
- Cashback
- Rewards
- Shopping
- Lifestyle
Fee
Joining Fee - Rs. 500
Annual Fee - Rs. 500
More info
The Citibank Cashback Credit Card is a great option for those looking for a simple and straightforward shopping credit card. Cardholders can earn up to 5% cashback on all movie ticket purchases, telephone bill payments, and all other spends. Additionally, you can earn 0.5% cashback on all other transactions.
- 5% cashback on all movie ticket purchases, telephone bill payments, and all other spends
- 0.5% cashback on all other transactions
- No limit on cashback earned Fuel surcharge waiver
Premium
Standard Chartered DigiSmart Credit Card
- Cashback
- Rewards
- Shopping
- Lifestyle
Fee
Joining Fee - Rs. 500
Annual Fee - Rs. 500
More info
- Up to 5% cashback on online spends made at partner merchants
- Discounts on food delivery, ride-hailing services, and other services
Premium
American Express Membership Rewards Credit Card
- Cashback
- Rewards
- Shopping
- Lifestyle
Fee
Joining Fee - Rs. 500
Annual Fee - Rs. 500
More info
The American Express Membership Rewards Credit Card is a great option for those who want to earn rewards points for their shopping expenses. Cardholders can earn up to 1 Membership Reward point for every Rs. 50 spent, which can be redeemed for exciting gifts and merchandise. Additionally, you can enjoy discounts on dining, travel, and other services.
- Earn up to 1 Membership Reward point for every Rs. 50 spent
- Redeem points for exciting gifts and merchandise
- Discounts on dining, travel, and other services
- Fuel surcharge waiver
Premium
What are Shopping Credit Cards?
Shopping credit cards are a type of credit card that is designed to provide users with rewards and benefits for their shopping activities. These rewards can come in the form of cashback, discounts, reward points, and more. Shopping credit cards are typically issued by banks and financial institutions, and they can be used at a wide range of retailers, both online and offline.
Benefits of Shopping Credit Cards
One of the primary benefits of shopping credit cards is the rewards they offer. By using a shopping credit card, you can earn rewards for every purchase you make, which can then be redeemed for discounts, cashback, and other rewards. Additionally, shopping credit cards often come with other benefits, such as free shipping, extended warranty coverage, and more.
Another benefit of shopping credit cards is that they can help you save money. Many shopping credit cards offer discounts or cashback on specific categories of purchases, such as groceries, fuel, or fashion. By using your shopping credit card for these purchases, you can save money on items you would already be buying.
How to Choose the Right Shopping Credit Card
With so many shopping credit cards available in India, it can be challenging to know which one is right for you. Here are a few factors to consider when choosing a shopping credit card:
Rewards Program: Look for a shopping credit card that offers rewards in categories that you frequently shop in. For example, if you spend a lot on groceries, look for a card that offers cashback or rewards for grocery purchases.
Annual Fee: Many shopping credit cards come with an annual fee. Make sure to compare the fees of different cards to find one that fits your budget.
Interest Rates: Pay attention to the interest rates charged by different shopping credit cards. If you plan to carry a balance, look for a card with a low interest rate.
Additional Benefits: In addition to rewards, many shopping credit cards offer additional benefits like free shipping, extended warranty coverage, and more. Look for a card that offers benefits that you will actually use.
Tips for Using Shopping Credit Cards
Here are some tips for using shopping credit cards to maximize your rewards and savings:
- Use your card for purchases in categories that offer the highest rewards.
- Pay off your balance in full each month to avoid interest charges.
- Take advantage of additional benefits like free shipping and extended warranty coverage.
- Use your card for all of your shopping to earn the maximum rewards possible
- Keep track of your rewards and make sure to redeem them before they expire.
- Compare prices and discounts across different retailers to find the best deals.
- Avoid overspending just to earn rewards. Stick to your budget and only use your card for purchases you would have made anyway.