In India’s rapidly growing e-commerce and retail landscape, a shopping credit card is more than just a convenient way to pay; it’s a tool to save money, earn rewards, and get exclusive perks. Whether you are a frequent online shopper or love splurging at your favorite retail stores, choosing the right credit card can make a world of difference.

Shopping credit cards in India are designed to provide maximum benefits on categories such as groceries, fashion, electronics, and online shopping, with a wide range of reward points, cashback offers, and special discounts. The right card can help you earn while you spend, making your shopping experience not only more rewarding but also more affordable.

In this guide, we will walk you through the best shopping credit cards in India, explain the benefits of each, and help you choose the right one to match your shopping habits. Let’s dive in!

Why Should You Opt for a Shopping Credit Card?

A shopping credit card is specifically designed for consumers who spend frequently on e-commerce platforms, retail stores, and other everyday purchases. Here are a few reasons why you should consider getting one:

• Earn Rewards: Many shopping credit cards offer reward points or cashback on every purchase, allowing you to accumulate rewards that can be redeemed for vouchers, merchandise, or even statement credit.

• Exclusive Offers: Shopping credit cards often come with exclusive discounts and offers with partner merchants, which can lead to additional savings on your favorite brands and products.

• Seasonal Discounts: Cards may provide special offers during big sales events like the Amazon Great Indian Festival or Flipkart Big Billion Days, offering even more ways to save.

• Multiple Categories: Most shopping credit cards offer cashback and rewards on various categories such as groceries, fuel, utilities, and entertainment, making them versatile and valuable for daily use.

Best Shopping Credit Cards in India

Here’s a look at some of the best shopping credit cards in India for 2024, carefully curated to offer maximum value based on online and offline spending patterns.

HDFC Bank Millennia Credit Card

Annual Fee: ₹1,000 (waived on ₹1 lakh spend per year).

Key Benefits:

5% cashback on Amazon, Flipkart, Myntra, and other leading online platforms.

1% cashback on offline and wallet spends.

Complimentary access to airport lounges (8 times per year).

Fuel surcharge waiver.

Best For: Regular online shoppers, especially those who frequently purchase from Amazon and Flipkart.

The HDFC Millennia Credit Card is ideal for people who spend regularly on e-commerce platforms. With generous cashback on leading online retailers and added perks like lounge access, this card is perfect for maximizing savings on lifestyle purchases.

Amazon Pay ICICI Credit Card

Annual Fee: No annual fee.

Key Benefits:

5% cashback on Amazon for Prime members.

3% cashback on Amazon for non-Prime members.

2% cashback on partner merchants like Swiggy, BookMyShow, and Cleartrip.

1% cashback on all other transactions.

Best For: Amazon shoppers who want to earn cashback on every purchase without paying annual fees.

The Amazon Pay ICICI Credit Card is a no-brainer for frequent Amazon Prime members. It provides excellent cashback on Amazon, partner merchants, and everyday purchases, making it a valuable option for anyone who frequently shops online.

Flipkart Axis Bank Credit Card

Annual Fee: ₹500.

Key Benefits:

5% cashback on Flipkart and Myntra.

4% cashback on partner merchants like Swiggy, Uber, and PVR.

1% cashback on all other spends.

Welcome benefits worth ₹1,100 in Flipkart vouchers.

Best For: Flipkart and Myntra loyalists who want to earn cashback on their purchases.

The Flipkart Axis Bank Credit Card is perfect for frequent shoppers on Flipkart and Myntra. It offers consistent cashback on purchases, making it a great choice for those who love shopping for fashion, electronics, and groceries online.

SBI SimplyClick Credit Card

Annual Fee: ₹499 (waived on ₹1 lakh spend per year).

Key Benefits:

10x reward points on Amazon, BookMyShow, Cleartrip, and more.

5x reward points on other online purchases.

1 reward point per ₹100 spent offline.

Welcome e-voucher worth ₹500 from Amazon.

Best For: Frequent online shoppers looking for high reward points on e-commerce platforms.

The SBI SimplyClick Credit Card is designed for individuals who shop regularly on e-commerce websites. With 10x reward points on popular platforms, this card is a must-have for those who want to maximize their rewards on online purchases.

The main reason for getting this credit card is to take advantage of instant discounts on multiple e-commerce platforms like Amazon & Flipkart.

SBI Card Simply Save Credit Card

Annual Fee: ₹499 (waived on ₹1 lakh spend per year).

Bonus Reward Points: Earn 2,000 Reward Points (worth ₹500) on spending ₹2,000 within the first 60 days of card activation.

Point Value: 1 Reward Point = ₹0.25 (4 Reward Points = ₹1).

Bonus Points for Specific Categories:10X Reward Points for every ₹150 spent on dining, departmental stores, movies, and groceries (2.5% reward rate).

Benefit: 1% waiver on fuel surcharge for transactions between ₹500 and ₹3,000.

Rupay: This card is available on rupay network which enables you to pay for UPi spends using this card

The main reason for getting this credit card is to take advantage of instant discounts on multiple e-commerce platforms like Amazon & Flipkart.

SBI Cashback Credit Card

Annual Fee: ₹999

Key Benefits:

5% cashback on all online purchases.

Maximum 5000 cashback per month.

1% cashback on all other transactions.

1% fuel surcharge waiver on transactions between ₹500-3,000.

Best For: Consumers who prefer online shopping and want straightforward cashback on all purchases.

The SBI Cashback Credit Card is a great option for people who shop extensively online. With a flat 5% cashback on online transactions and no limit on cashback earnings, it’s one of the best choices for those who want to earn on every rupee they spend online.

Axis Bank Neo Credit Card

Annual Fee: ₹250 (Or lifetime free)

Key Benefits:

40% off on zomato upto 120 (Twice a month)

10% off on movie tickets at BookMyShow.

10% off on selected Myntra and Zomato purchases.

The Axis Bank Neo Credit Card is perfect for younger users and first-time credit card holders. It offers great discounts on online platforms and movie tickets, making it a budget-friendly card for shopping and entertainment.

like SBI credit cards you can get this card for taking advantage of instant discounts on multiple e-commerce platforms.

How to Choose the Best Shopping Credit Card in India

Choosing the right shopping credit card depends on your spending habits and financial goals. Here are some tips to help you make the right decision:

1. Analyze Your Spending: Look at your shopping patterns. Do you spend more on online shopping or at physical stores? Cards like the Amazon Pay ICICI or Flipkart Axis Bank Credit Card focus on e-commerce, while others like SBI Cashback provide benefits across all types of purchases.

2. Reward Points vs. Cashback: Some cards offer reward points that can be redeemed for vouchers or merchandise, while others provide cashback directly to your account. Choose the one that aligns with your preferences.

3. Annual Fees: Many cards come with annual fees, but some offer fee waivers if you meet a certain spend threshold. Ensure the rewards you earn exceed the cost of maintaining the card.

4. Merchant Partnerships: If you frequently shop on specific platforms like Amazon, Flipkart, or Myntra, select a card that provides exclusive cashback and discounts with those merchants.

5. Additional Perks: Look for cards that offer extra perks like airport lounge access, dining discounts, and movie ticket offers.