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Best Credit Cards for shopping

Shopping Credit Crad

Shopping is one of the most relaxing and enjoyable pastimes, as well as the ideal way to pamper yourself and your loved ones. However, thanks to technological advancements and changing times, buying anything you want is now just a click away. You can buy anything with the least amount of effort. While shopping is a form of therapy for you, it is prudent to do so in such a way that your money is rewarded. Credit cards provide you with the convenience of purchasing as well as a slew of other perks.

However, picking the bestcredit cardsfor shopping can be difficult at times. So, for your convenience, we’ve compiled a list of the best credit card for shopping.

Top 10 best credit cards for shopping

  • Flipkart Axis Bank Credit Card

The Axis Bank Flipkart credit card is great for cashback, especially for Flipkart lovers. This is also one of the top cashback credit cards in India, delivering 1.5 percent flat cashback on all purchases, which is the market’s second-highest flat cashback rate behind the Axis Bank Ace Card, which offers 2% cashback. On Flipkart, Myntra, and 2GUD, you can get up to 5% cashback, while on Flipkart’s partner merchants like Cure. fit, Swiggy, PVR, and Uber, you can get up to 4% cashback. Despite the fact that this is an entry-level card, the benefits much outweigh the annual charge.

The best aspect is that Flipkart’s selection of partner merchants is fairly reasonable, allowing you to save money on fashion (Myntra), travel (Uber), fitness (Cure. fit), movies (PVR), and shopping (Flipkart). Flipkart Axis Credit Card is one of the top alternatives for anyone looking for perks in a variety of sectors. While the high reward rate is only available on certain sites, the 1.5 percent flat cashback on all other expenses is still a good deal.

Key Features of Flipkart Axis Bank Credit Card

  • 5% cashback on Flipkart, Myntra, & 2GUD
  • 4% cashback on, Swiggy, PVR, and Uber
  • 1.5% cashback on other categories
  • Rs. 2,900 worth of joining and activation benefits from Flipkart, Myntra and Swiggy
  • 4 complimentary domestic lounge visits every year
  • Up to 20% discount at 4,000+ partner restaurants including KFC, TGIF, Berco’s, etc.
  • 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000
  • Amazon Pay ICICI Credit Card

If you’re considering getting this card, you should also consider getting an Amazon Prime membership, as Prime members get 2% more cashback on Amazon purchases. When you use Amazon Pay as your payment option, you’ll also get a 2% reward at 100+ Amazon Pay partner stores. You will receive 1% cashback on all other transactions.

The Amazon Pay ICICI Card is unquestionably one of India’s greatest online purchasing credit cards. This is due to the fact that Amazon is one of the most widely used platforms, selling anything from furniture and electronics to stationery and food. Whatever you desire, Amazon has it, and if you use this credit card, you will be rewarded handsomely. In comparison to the Flipkart Axis Bank Credit Card, the Amazon Card offers a lower cashback rate of 1%. True, the card makes more sense if you use Amazon for the majority of your online shopping, but it’s free for life, so keeping it in your wallet isn’t a bad idea.

Key Features of Amazon Pay ICICI Credit Card

  • Lifetime Free Credit Card
  • 5% cashback for PRIME Customers when they shop at Amazon
  • 3% cashback for Non-PRIME Members for Amazon Spends
  • 2% cashback on 100+ partner merchants of Amazon
  • 1% cashback on all other transactions
  • 15% discount at partner restaurants of ICICI Bank
  • 1% fuel surcharge waiver across all petrol pump
  • HSBC Cashback Credit Card

The HSBC Cashback Credit Card provides you with unlimited cashback on all of your purchases. The card allows you to receive cashback without having to meet a minimum spending requirement, making it one of India’s top cashback credit cards.

You can get 1.5 percent cashback on all online purchases and 1 percent cashback on all other purchases using the card. You also get Rs. 2,250 sign-up incentive, which includes Rs. 2,000 clear travel coupon for domestic flights and Rs. 250 Swiggy food delivery voucher. The card also gives you a 20% discount on Swiggy and a 5% discount on Amazon purchases. The more you spend, the more cashback you will receive. This card is perfect for someone who prefers a cashback model versus a reward points model and does not want to confine their purchasing to a single platform, such as Amazon or Flipkart.

Key Features of HSBC Cashback Credit Card

  • 20% off on Swiggy orders above Rs. 400
  • 5% discount on Amazon spends of Rs. 1,000 or above
  • 1.5% cashback on all online spend (excluding the transfer of funds to online wallets) and 1% on all other spends
  • Rs. 500 Amazon Voucher on making spending Rs. 500 or more at a time within 30 days of card activation
  • No maximum cap on cashback
  • You will get up to 15% discount when dining at partner restaurants in metro or big cities

The HDFC Millennia Credit Card was created specifically for millennials who enjoy shopping online and want to be rewarded for their purchases. The card gives you up to 5% rewards on online purchases and 1% cashback on all other purchases. It has a yearly cost of Rs. 1,000, which may be prohibitively expensive for others. However, if you are a frequent online shopper, the charge is reasonable when compared to the exclusive perks it provides.

Customers who shop on Flipkart and Amazon frequently will benefit from the card. However, considering other online purchases get you 2.5 percent cashback, it’s not such a horrible decision if you want to shop somewhere else than Amazon and Flipkart. However, in order to receive cashback in any of these categories, you must satisfy the minimum transaction threshold, which is a letdown. Axis Ace and Axis Flipkart cards, for example, have a reduced cost and offer straight infinite cashback with no minimum purchase requirement. As a result, you should only get HDFC Millennia if you are keen enough to spend a lot of money, as only then will you be able to get the most out of it.

Key Features of HDFC Millennia Credit Card

  • 1,000 Cash Points (Reward Points) on payment of the membership fee
  • Rs. 1,000 gift voucher on spending at least Rs. 1 lakh in each calendar quarter
  • 5% Cashback on Shopping via Amazon and Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy
  • 2.5% cashback on all online purchases
  • 1% cashback on all offline spends and Wallet reloads
  • 8 complimentary domestic lounge access per calendar year (2 in a quarter)
  • Axis Bank Ace Credit Card

The Axis Bank Ace Credit Card is undoubtedly the best cashback credit card in India. It provides the greatest cashback of 2% on all transactions, as well as up to 5% cashback on bill payments, DTH, and mobile recharges via Google Pay, and 4% cashback on Swiggy, Zomato, and Ola. The card costs Rs. 499 per year and is designed for consumers who want basic advantages and high reward rates.

If you are a fan of a specific brand, such as Amazon, Flipkart, or Paytm, having their co-branded credit cards is a good idea. For example, the Amazon Pay ICICI credit card offers PRIME customers 5% cashback on all Amazon purchases and non-prime customers 3%. Likewise, the Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart, Myntra, and 2GUD, as well as 4% cashback at select partners like MakeMyTrip, Goibibo, and Uber. To sum up, if you want a credit card with a low annual fee and excellent non-travel benefits, this may be the ideal card for you.

Key Features of Axis Ace Credit Card

  • 5% cashback on every bill payment, DTH recharge, and mobile recharge initiated via Google Pay
  • 4% cashback on Swiggy, Ola, and Zomato
  • 2% cashback on all other spends
  • No upper limit or maximum cashback earned
  • 4 complimentary domestic lounge visits in a year
  • Up to 20% off at 4,000+ participating restaurants
  • 1% fuel surcharge waiver across all fuel stations

Due to its easy eligibility and low annual cost, the SBI SimplyCLICK Card is one of the most popular credit cards on the market. On online purchasing with exclusive partners such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, and others, the card offers 10X Reward Points. You get 1.25 percent back on any other online purchases. This implies that for every Rs. 10,000 spent on Amazon, you will receive 1,000 reward points, which can be redeemed for Amazon or Cleartrip gift cards. One of the card’s major flaws is that the number of ways to redeem rewards is extremely limited. So, if you’re happy with Amazon/Cleartrip vouchers and do the majority of your shopping online, this card is for you.

Key Features of SBI SimplyCLICK Credit Card

  • Gift Voucher worth Rs. 500 from Amazon as a welcome gift
  • 10 reward points per Rs. 100 on online purchases made on Amazon, BookMyShow, Cleartrip, Netmeds, Lenskart, and UrbanClap
  • 5 rewards per Rs. 100 on other online spends
  • 1 reward point per Rs. 100 spent on other categories
  • Cleartrip e-voucher worth Rs. 2,000 on reaching spend milestones of Rs. 1 Lakh and Rs. 2 Lakh
  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000

The features offered on this card are fairly excellent for an annual charge of merely INR 500. It is one of the most widely used cards among newcomers. Spending money online earns you more reward points. There are no restrictions on the types of online transactions you can do; you can buy meals online, shop online, or even pay your utility bills; all online transactions will earn you 2X rewards. All other retail purchases earn 2 reward points for each Rs.150 spent. These points can be redeemed for cashback, but the conversion rate of 20 paise per point is far too cheap.

Although HDFC Moneyback is an excellent entry-level credit card, it does not provide special advantages for any online purchasing category or brand. You will benefit from the additional benefits on online purchases, but if you are serious about saving money with certain online shopping brands or obtaining more cashback, cards like Amazon Pay, ICICI Card, and Axis Ace may be a better option.

Key Features of HDFC MoneyBack Credit Card

  • 500 Reward Points as a welcome gift
  • 2X Reward Points for every Rs. 150 on Online spends
  • 2 Reward Points for every Rs. 150 on Retail spends
  • Accumulated Rewards can be converted into Cashback (100 points = Rs. 20)
  • Gift voucher worth Rs. 500 on making retail purchases of Rs. 50,000 or above every quarter
  • Fuel surcharge waiver of 1% on transactions above Rs. 400
  • Axis Bank Buzz Credit Card

The Axis Bank Buzz Credit Card is an entry-level card designed for consumers who shop on Flipkart frequently. This credit card entitles you to Flipkart coupons worth Rs. 7,000 each year, as well as a discount on your purchases. In addition, this credit card gives you more reward points when you shop online.

Apart from Flipkart, this credit card’s other features are rather standard. Only if you frequently shop at Flipkart and keep track of the days when the best bargains are available can you get the most of this credit card. Axis Bank Buzz Credit Card is indeed the best alternative for someone who wants to maintain credit score while also getting some online shopping benefits. When compared to other co-branded credit cards, such as Amazon Pay ICICI and Flipkart Axis, this credit card doesn’t have much to offer.

Key Features of Axis Bank Buzz Credit Card

  • Flipkart gift voucher worth Rs. 1,000 as a welcome benefit on making 3 purchases within first 45 days
  • 10% instant discount on Flipkart from 1-5th every month
  • 5% instant discount on Flipkart from 6-31st every month
  • 2 Axis EDGE reward points on every Rs. 200 spent
  • 3X Axis EDGE reward points on online shopping
  • Minimum 15% off on partner restaurants in India
  • Flipkart gift vouchers worth up to Rs. 7,000 on achieving the annual spending milestone

The Standard Chartered DigiSmart credit card comes with a monthly charge of only INR 49. It’s an all-in-one credit card created exclusively for consumers who carry the majority of their shopping via online mode. The card offers direct discounts with prominent brands like Ola, Myntra, Grofers (formerly Blinkit), INOX, Zomato, and Yatra on shopping, travel, eating, movies, and grocery purchases.

However, avail of this card only if you are a die-hard fan of the aforementioned brands. This is due to the fact that DigiSmart does not offer flat-rate rewards on other purchases, which is quite disappointing. This could be the best shopping credit card for you if you find the correct mix of your favorite brands in DigiSmart.

Key Features of Standard Chartered DigiSmart Credit Card

  • 20% off on Myntra
  • 10% off on grocery shopping from Grofers (now Blinkit)
  • 10% discount on Zomato with a maximum discount of Rs.150
  • BOGO offer on movie tickets at INOX
  • Up to 25% off on travel bookings via Yatra
  • 15% cashback on Ola rides with a maximum cashback of Rs.600
  • Axis Bank Neo Credit Card

The Axis Neo credit card is perfect for folks who enjoy shopping online and making use of the numerous entertainment benefits that come with it. The advantages of Axis Neo are pretty astounding. The card also includes movie and online shopping vouchers.

For those who love to shop on Myntra, the card is the finest alternative available. The card offers a “power of 10” discount, which gives cardholders a 10% discount on Myntra, BookMyShow movie tickets, and Grofers (formerly Blinkit) groceries. In addition, you can save 40% on Zomato meal delivery and 5% on energy bill payments made using Paytm. However, the card’s rewards structure is below average, with 1 EDGE point per Rs. 200 spent across all categories. This is a decent card to have if you want to save money on certain categories or stores, like Myntra. However, if you do not wish to shop from the listed merchants and want to earn decent rewards, this card is certainly not best suited for you.

Key Features of Axis Neo Credit Card

  • Amazon gift voucher worth Rs.250 on your first transaction and a welcome gift voucher from BookMyShow worth Rs.300
  • 10% off on every purchase of a movie ticket on BookMyShow. Maximum monthly benefits up to Rs.100
  • Get 10% off every time on shopping with Myntra. A minimum value of Rs.500 required
  • 40% off on Zomato on food delivery, 5% off on utility bill payments via Paytm, 10% off on Grofers (now Blinkit) on Groceries
  • 1 reward point on every Rs.200 spent


In today’s trendy world everyone wants to keep pace with the new and in-demand trends that are prevailing in the market. However, the one who spends and shops wisely are considered smart when following a trend. This is where we all come across the need for finding the most suitable or best shopping credit card. We hope that after reading this comprehensive information about these cards, you will be able to make sense of your shopping needs. Last but not the least, try to pay off your credit card bills on time to keep your credit score up to date.

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