Shopping Credit Cards

Shopping credit cards provide attractive benefits for online and/or in-store shopping at partner merchants. They can be used for purchasing clothes, shoes, groceries, gadgets, etc. While shopping online or offline, you can get discounts, reward points, or cashback on your transactions/purchases.

• Cashback: Many shopping credit cards provide cashback benefits at select partner merchants or on specific categories.
• Discounts: You can get attractive discounts on your favourite brands with these cards.
• Reward points: To promote online shopping, many credit card providers offer reward points on online purchases. You can redeem the accumulated reward points for gifts, vouchers, recharges, statement credits, etc.
• Milestone gift vouchers/ bonus rewards: These credit cards often provide bonus reward points or gift vouchers for achieving annual milestone spending limits.

Below is the list of 5 top shopping credit cards in India:

SimplyCLICK SBI Card

SimplyCLICK Advantage SBI Card offers Amazon gift card, 10X rewards on online shopping and 5X rewards on all other online spends.

Key Features:

• Amazon.in gift card worth Rs. 500 on joining.
• 10X rewards on online spends with exclusive partners including Apollo24X7, BookMyShow, Cleartrip, Eazydiner and Netmeds.
• 5X rewards on all other online spends.
• 1 reward point on spending per Rs. 100 on all other categories.
• Cleartrip e-voucher worth Rs. 2,000 on annual online spends of Rs. 1 Lakh
• Cleartrip e-voucher worth Rs. 2,000 on annual online spends of Rs. 2 Lakhs.
• 1% (maximum Rs. 100 per statement cycle, per credit card account) fuel surcharge waiver for every transaction between Rs. 500 and Rs. 3,000
• Annual fee: Rs. 499
• Renewal fee: Rs. 499. Reversed in the subsequent year on annual spending Rs. 1,00,000 or more.

SimplySAVE SBI Card

SimplySAVE Advantage SBI Card is an international credit card, which is accepted in more than 24 million outlets across the world, including 3,25,000 outlets in India.

Key Features:

• 10 reward points on spending per Rs. 150 on movies, dining, departmental stores, and grocery spends.
• 1 reward point per Rs. 150 spent on all other categories.
• 1% (maximum Rs. 100 per statement cycle) fuel surcharge on transactions between Rs. 500 to Rs. 3,000 at any petrol pump in India. 
• Annual fee: Rs. 499
• Renewal fee: Rs. 499. Get the annual membership fee reversed from the second year onwards on spending Rs. 1,00,000 or more in the previous year. 

Shoppers Stop HDFC Bank Credit Card

HDFC Shoppers Stop credit card is a lifetime free credit card that offers attractive rewards on all your spending. This credit cards come under the shopping credit cards league, and offer reward benefits around spends. The cards also offer benefits around card activation, milestone benefits, lounge access, and insurance cover among others.

Key Features:

• HDFC Shoppers Stop credit card is a lifetime free credit card
• Earn 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month
• Earn 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month  (except fuel & wallet)
• Complimentary Shoppers Stop membership
• 1% fuel surcharge waiver of up to Rs. 250 per statement cycle, across all fuel stations in India
• Rs. 500 worth of Shoppers Stop voucher, redeemable on minimum shopping of ₹3,000 at Shoppers Stop stores.
• Earn 2000 First Citizen Points on spending  ₹2 Lakhs annually
• Annual fee: NIL
• Renewal fee: NIL

American Express SmartEarn™ Credit Card

American Express SmartEarn™ credit card comes packaged with benefits including fuel surcharge waiver and accelerated rewards points. Amex SmartEarn credit card has an annual fee of Rs. 495 and it offers a flat cashback of Rs. 500 as a welcome gift.

Key Features:

• Amex SmartEarn Credit Card customers can earn accelerated rewards points on various merchants including Amazon, BookMyShow, Flipkart, Uber, Zomato, PVR, Blinkit and Myntra. Every Rs 50 spent on these merchants can help accumulate 10X membership reward points.
• With the facility of accelerated rewards points, a customer can earn 10 regular and 90 accelerated rewards points on a successful spend of Rs 500 through the American Express SmartEarn credit card. 
• A card member can cumulatively earn a maximum of 1,250 reward points by achieving a spend threshold of Rs 7,500 in a calendar month on merchant categories qualified for 10X and 5X reward points. 
• Categories such as cash transactions, fuel purchases, insurance premium payments, EMI conversions at point of sale and utility bill payments are not qualified for rewards points.
• The bonus rewards points are capped at 500 points per month per card collectively for Amazon, BookMyShow, Flipkart, Uber, Ajio, Nykaa, PVR, BlinkIt and Myntra, while rewards points on spends at Zomato are capped at 500 points per month per card.
• Annual fee: Rs 495 + GST.
• Renewal fee: Rs 495 + GST.

American Express® Membership Rewards Credit Card

American Express® Membership Rewards Credit Card offers a welcome gift of 4,000 bonus membership reward points. For every Rs 50 spent through Membership reward credit card, a user can accumulate 1 reward point. Zero lost card liability and 100% annual fee waiver are some added advantages.

Key Features:

• Get fabulous reward options from the stunning new 24 Karat Gold Collection.
• Taj voucher worth Rs. 14,000
• Shoppers Stop voucher worth Rs. 11,000
• Vistara voucher worth Rs. 11,000
• Tanishq voucher worth Rs. 10,000
• Amazon voucher worth Rs. 9,000
• Flipkart voucher worth Rs. 9,000
• 0% convenience fee on fueling up at HPCL.
• Discounts of up to 20% every time you dine at select restaurants.
• 4X7 card-related assistance. 
• Annual fee: Rs. 1,000 + applicable taxes.
• Renewal fee: Rs. 4,500 + applicable taxes.

AU Bank Altura Plus Credit Card

AU Altura Plus Credit Card gives various benefits to shopaholics, including vouchers for top brands, cashback & reward points on retail spend, complimentary lounge access, and so on. 

Key Features:

• Worth Rs. 500 vouchers of top brands on minimum retail spends of Rs. 10,000 in 60 days of card setup.
• 1.5% cashback (up to Rs. 100 per statement cycle) on all POS retail spends at merchant outlets. 
• 2X reward points per Rs. 100 spent on all online retail transactions.
• 1 reward point on spending every Rs. 100 on utility, rent, insurance, education, & government categories.
• 500 bonus reward points on retail spending of Rs. 20,000 or above in a calendar month.
• With VISA cards, primary & add-on cardholders get 2 complimentary access per calendar quarter to railway station lounges in New Delhi, Ahmedabad, Jaipur, Kolkata (Sealdah), and Agra. 
• 1% fuel surcharge waiver for fuel transaction amount between Rs. 400 to Rs. 5,000 per statement cycle done at all fuel stations in India.
• Zero card loss liability.
• Convert transactions of Rs. 2,000 or more into EMI options on the select tenure of your choice. 
• Joining fee: Rs. 499 + applicable taxes. This can be waived on retail spends of Rs. 20,000 or more within 90 days of card set up.
• Renewal fee: Rs. 499 + applicable taxes. This can be waived on retail spends of Rs. 80,000 in the previous card anniversary year.

AU Bank LIT Credit Card

The AU LIT credit card is India's first customizable credit card. It gives you the freedom to select/ change/ switch on/ switch off the features based on your lifestyle. 

Key Features:

• 10X or 5X reward points on all online domestic & international retail transactions.
• 10X or 5X reward points on all POS & contactless offline domestic/ international transactions.
• Fuel surcharge waiver of 1% on all transactions between Rs. 400 to Rs. 5,000.
• 5% cashback (up to 3 times in 90 days) for retail spends of a minimum of Rs. 7,500 & 1 reward point on spending per Rs. 100. Maximum cashback available up to Rs. 500 in 30 days.
• Additional 2% cashback (up to 3 times in 90 days) for retail spends of minimum Rs. 10,000 & 1 reward point on spending every Rs. 100. Maximum cashback available up to Rs. 1,000 in 30 days.
• Additional 5% cashback (maximum Rs. 1,000 in every 30 days) for travel, dining, grocery, electronics & apparel expenses and 1 reward point on spending every Rs. 100. 
• Up to 4 visits per 90 days across airport lounges in India.
• 3-month membership of:
  • ZEE5 with 2,800+ blockbusters, Before TV, LIVE TV, 150+ web series, watch ad-free content on mobile, TV, laptop, and Eduaurra competitive learning exams.
  • Amazon Prime with unlimited free & fast delivery on eligible items, video streaming, ad-free music, free in-game content, exclusive access to deals, etc.
  • Subscription for Cult Pass Live for at-home live workouts.

• Card liability cover of up to Rs. 1.5 Lakh or your credit limit (whichever is lower), in the event of credit card loss/ fraudulent transactions.
• Credit shield up to Rs. 1.5 Lakhs.
• This card is a Lifetime Free Credit Card and does not involve any joining and annual fees.

Axis Bank MY ZONE Credit Card

Axis MY ZONE Credit Card benefits include an instant discount on AJIO & Swiggy, movie benefits, complimentary lounge access, OTT benefits and so on.

Key Features:

• 100% discount (maximum Rs. 200 per calendar month per customer) on purchasing the second movie ticket from Paytm Movies. Use coupon code AXIS200.
• Up to Rs. 1,000 off at AJIO on minimum spends of Rs. 2,999. Use coupon code AJIOAXISMZ.
• Flat Rs. 600 off at AJIO on minimum spends of Rs. 2,000. Use coupon code AXISMYZONE.
• Complimentary SonyLiv Premium subscription worth Rs. 999. The benefit can be renewed on spending Rs. 1.5 Lakhs in a year.
• 40% off (maximum Rs. 400 per order) on minimum Rs. 200 worth food delivery through Swiggy. Use coupon code AXIS40. Offer available up to 4 times a month.
• Up to 15% off at dining at partner restaurants.
• 1 complimentary airport lounge access in India per quarter. 
• 4 EDGE reward points on spending every Rs. 200.
• 1% (maximum Rs. 400 per statement cycle) fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 4,000 in India.
• Joining fee: Rs. 500 (Lifetime Free Offer for select channels).
• Renewal fee: Rs. 500 (Lifetime Free Offer for select channels).

Axis Bank SELECT Credit Card

The Axis SELECT Credit Card is handcrafted for shoppers to give them maximum shopping and lifestyle benefits including a complimentary Amazon e-voucher and exclusive online discounts on food & groceries.

Key Features:

• Amazon voucher worth Rs. 2,000 on the first transaction within 90 days of the card issuance.
• 20% (up to Rs. 500) off on the BigBasket mobile app/ website on a minimum purchase value of Rs. 2,000.
• 40% off (maximum Rs. 200) on minimum order of Rs. 400 through the Swiggy app/ website. Use coupon code AXIS200. Offer available up to twice a month.
• Buy 1 movie ticket from BookMyShow and get up to Rs. 300 on the second one. Offer available once a month per user.
• Up to 12 complimentary access to international airport lounges in a year.
• Up to 2 complimentary access to domestic airport lounges in a quarter.
• Priority Pass membership renewal and renewal of BigBasket, BookMyShow & Swiggy offers on spending Rs. 3 Lakhs annually.
• 5000 EDGE reward points on spending Rs. 3 Lakhs in a year.
• Annual fee waiver on minimum annual spends of Rs. 6 Lakhs. 
• 10 Axis EDGE points on spending every Rs. 200 & 2X Axis EDGE points on every Rs. 200 of retail shopping.
• 6 complimentary golf rounds each year & 3 additional visits on spending Rs. 3 Lakhs in a year.
• 24X7 dedicated concierge service.
• Rs. 1,000 off on dining under Axis Bank Dining Delight Program with EazyDiner.
• 1% (maximum Rs. 400 per statement cycle) fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 4,000 in India.
• Purchase Protection Cover worth Rs. 1 Lakh and cumulative cover up to USD 500 for loss of travel documents and loss/delay of check-in baggage.
• Joining fee: Rs. 3,000 (NIL for Burgundy).
• Renewal fee: Rs. 3,000 (NIL for Burgundy).

IndusInd Platinum Aura Edge Credit Card

The IndusInd Bank Platinum Aura Edge Visa & Mastercard Credit Card with its contactless feature enables you to make convenient, fast and secure purchases every day. Just wave your credit card at merchants where contactless payment is accepted and you are done.

Key Features:

• Up to 4X reward points for every Rs. 100 spent on select merchant categories. 
• Freedom of ample options to redeem your hard-earned rewards.
• Rs. 2,400 savings on fuel surcharge
• Discount vouchers from multiple brands like Amazon, Flipkart, Big Bazaar, Apollo Pharmacy, Uber, Ola Zee5, etc.
• 4 savings points on spending every Rs. 100 on shopping in departmental stores, grocery shopping, hotel expenses, and restaurant bills.
• 2.5 savings points on spending every Rs. 100 on airline tickets, cellphone bills and electricity bills.
• 2 savings points on spending every Rs.100 on purchasing consumer durables/ electronic items, and payments in bars & pubs.
• 1.5 savings points on spending every Rs.100 on restaurant bills, books, insurance premiums, medical spends, car rental expenses, rail tickets & movie tickets.
• 0.5 savings points on every Rs. 100 spent on all other spends.
• Joining fee: Rs. 500.
• Renewal fee: NIL.

IDFC FIRST Select Credit Card

This card offers a superior rewards program on shopping, travel perks and round-the-year offers with no unnecessary fees and the lowest interest rates.

Key Features:

• 10X reward points on incremental spends above Rs. 25,000 per month & spends done on your birthday.
• 6X & 3X reward points on online & offline purchases respectively for spending up to Rs. 25,000 per month
• Reward points that never expire and can be used for instant online or in-store purchases.
• Welcome voucher worth Rs. 500 on spending Rs. 15,000 or above within 90 days of card generation.
• 5% cashback (up to Rs. 1,000) on the first EMI done within 30 days of card generation.
• Buy 1 and get 1 offer on movie tickets up to Rs. 250 on Paytm mobile app (valid twice per month).
• 300+ merchant offers, all year long. 
• Up to 20% discount at 1500+ partner restaurants.   
  Up to 15% discount at 3000+ Health & Wellness outlets.
• 4 complimentary visits per quarter to domestic airport lounges, on minimum monthly spends of Rs. 5,000. 
• 4 complimentary visits per quarter to railway lounges. 
• Premium benefits at over 900 luxury hotels across the world, including automatic room upgrades on arrival, complimentary in-room Wi-Fi & continental breakfast, VIP Guest status, 3 PM check-out on request and others. 
• Complimentary Roadside Assistance worth Rs. 1,399, Air Accident Cover of Rs. 1 Crore, Personal Accident Cover of Rs. 5 Lakhs, and Lost Card Liability Cover of Rs. 50,000.
• Comprehensive Travel Insurance Cover of Rs. 22,500
• 1% (up to Rs. 300/month) fuel surcharge waiver at all fuel stations in India on transactions between Rs. 200 & Rs. 5,000.
• Convert all transactions above Rs. 2,500 into EMIs on your mobile app.
• This card is a Lifetime Free Credit Card and does not involve any joining/ membership/ annual fee.

HSBC Cashback Credit Card

HSBC Cashback Card gives unlimited cashback on all transactions. For shoppers, this card offers shopping vouchers for Amazon, Swiggy, Myntra, Ajio, and much more.

Key Features:

• Complete the online card application & Video KYC to win an Amazon e-gift voucher worth Rs. 250.
• 1.5% cashback on all online spends (excluding fund transfer to an online wallet) & 1% on all other spends.
• Welcome offers for new credit card customers on the minimum transaction(s) Rs. 2,500 within 30 days of the card issuance:
  • Rs. 500 worth of Amazon & Swiggy vouchers each
  • SonyLIV 12 months membership
  • Rs. 500 x 5 (worth Rs. 1,500) Myntra vouchers 
  • Rs. 600 x 5 (worth Rs. 3,000) Ajio vouchers 
  • 3 complimentary access to domestic & international airport lounges or 3 meal vouchers for use at airport restaurants in India.

• 5% (maximum Rs. 250 per card per calendar month) discount on Amazon on spending Rs. 1,000 or above.
• Flat Rs. 50 off (maximum Rs. 200 discount in a calendar month per card) on postpaid utility payments of Rs. 500 (up to 4 times in a calendar month per card) via Amazon Bill payment.
• 30% instant discount (up to Rs. 600) once per month per card on EazyDiner on a minimum order value of Rs. 1,000.
• Flat 10% discount (up to Rs. 100) on Blinkit. Maximum Rs. 300 discount available per month across the first 3 eligible transactions. Use Promo code HSBC10.
• Flat 10% savings (up to Rs. 150) on ordering prescribed medicines through PharmEasy.
• Complimentary 3-month PharmEasy plus membership.
• Buy-one-get-one-free movie tickets (up to Rs. 250) at BookMyShow on Saturdays .
• 15% instant discount on select products at TataCLiQ in Lifestyle, Electronics and Luxury Categories.
• Joining fee: NIL.
• First-year renewal fee: Waived off for all cards issued between 16 April 2023 to 15 August 2023.
• Renewal fee 2nd-year onward: Rs. 750. Reversed if total annual spend exceeds Rs. 1,00,000.

HSBC Smart Value Credit Card

Now shop till you drop with HSBC Smart Value Credit Card. It gives you 10% cashback, Amazon & Swiggy vouchers, attractive instalment plans, complimentary lounge access, and much more with zero joining & annual fees. 

Key Features:

• Complete the online card application & Video KYC to win an Amazon e-gift voucher worth Rs. 250.
• Welcome offers for new credit card customers on the minimum transaction(s) Rs. 2,500 within 30 days of the card issuance:
  • Rs. 500 worth of Amazon 
  • Rs. 250 Swiggy vouchers each
  • 10% cashback (maximum of Rs. 1,000) on all transactions in the first 30 days of issuance. 
  • Attractive instalment plans for a loan on the phone & balance transfer on EMI booked within the first 90 days of card issuance at a 10.99% p.a. interest rate. 
  • 3 complimentary access to domestic & international airport lounges or 3 meal vouchers for use at airport restaurants in India.

• Dynamic Finance Charge starting from 3.49% p.m. and going down to 1.99% p.m. based on the applicant’s credit history & repayment behaviour.
• Up to Rs. 3,000 annual savings on fuel surcharge.
• 3X rewards (up to 1,000 incremental reward points per month) on all online, dining & telecom categories.
• 1 reward point for spending every Rs. 100.
• Reward points can be redeemed for a host of gifts and vouchers available on the bank’s rewards catalogue.
• Reward points validity for 2 years.
• This card is a Lifetime Free Credit Card and does not involve any joining and annual fees.

Following are some common eligibility criteria for shopping credit cards in India

• Primary cardholders should be aged between 18 to 70 years. 
• Add-on cardholders should be aged above 15 years. 
• The annual income of the applicant must be at least Rs. 4 Lakhs per annum. 
• Applicant should either be an Indian or Non-Indian Resident

*The credit card provider reserves the right to change the eligibility criteria and approve or decline applications for credit cards.

The following documents are required to apply for a shopping credit card:

• PAN Card photocopy/ Form 60
• Recent colour photographs
• Latest payslip/ Form 16/ ITR copy as income proof
• Passport/ Ration Card/ Electricity Bill/ Landline Telephone Bill as residence proof
• Driving License/ PAN Card/ Aadhaar Card as identity proof Passport

*This list is only indicative and may vary on a case-to-case basis.

You can apply for a shopping credit card online through our website or the official website of the card provider. Alternatively, you can also apply for the best credit card for offline shopping by visiting the nearest branch of the preferred lender. You must fill out the application form and submit it to the lender along with the required documents to get a shopping credit card.