Best Shopping Credit Cards in India for 2021

Key Highlights

Annual Fee: Rs.499

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
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
No upper limit or maximum cashback earned

Should you get this card?

Axis Bank Ace Credit Card is one of the best cashback credit cards in India offering a flat cashback of 2% on all spends. This means if you spend Rs. 10,000 through this card across any category*, you will get a flat cashback of Rs. 200. It is also among the few cards that give generous cashback on utility bill payments. For an entry-level card with an annual fee of Rs. 499, this card is certainly a top pick for shoppers. Especially if you are someone who has just started with a job and want to get a credit card that rewards you considerably, Axis Ace can be the right choice for you.

You should get this card if:	Consider other credit cards if:
You frequently use Google Pay to make bill payments and shop with other merchants like BigBasket, Grofers, Swiggy, Zomato, and Ola You would prefer simple benefits and high cashback rate over rewards or vouchers	You would like to get additional benefits on travel or fuel For your dining and grocery needs, you prefer to choose the place that offers the best deals instead of preferring a particular website like Grofers, Bigbasket, Swiggy or Zomato

Runner-up Card

Since Axis Ace Credit Card is a great pick from the ‘Cashback’ category, here is a runner-up card in the same category.

HSBC Cashback Credit Card

Annual Fee: Rs. 750

5% cashback on all online spends (excluding transfer to online wallets)
1% cashback on all other spends
No maximum cap on cashback
Earn cashback on Instant EMI as long it is used at listed merchant partners
Cashback credited within 45 days of card statement date
Up to 15% discount at partner restaurants of HSBC Bank

2. Flipkart Axis Bank Credit Card

Best Shopping Credit Card with CO-BRANDED BENEFITS

Key Highlights

Annual Fee: Rs. 500

Welcome benefits worth Rs. 3,300
5% cashback on shopping with Flipkart, Myntra and 2GUD
4% cashback on shopping with other Preferred Merchants
1.5% cashback across all other categories
4 complimentary domestic lounge visits in a year
1% fuel surcharge waiver up to Rs. 500 per month

Should you get this card?

Flipkart Axis Bank Credit Card offers the best co-branded benefits in this list of the best shopping credit cards in India. The card would be the best for those who prefer Flipkart to other e-commerce platforms for most of their needs. This card also offers a generous flat-rate cashback of 1.5% across all spends, rewarding you for your purchases outside Flipkart. As compared to other cards like Paytm SBI Card and Amazon ICICI Card, the Flipkart card offers better value.

You should get this card if:	Consider other options if:
You frequently shop with Flipkart, Myntra and other preferred merchants as mentioned by the card issuer You would prefer direct cashback over rewards, vouchers or merchandise	You would like overall benefits on travel, dining, entertainment or other categories, not limited to certain platforms You choose where to shop on the basis of where you are getting the best deal instead of sticking to a particular platform like Flipkart or Myntra

Runner-up Card

Flipkart Axis Bank Credit Card comes with best co-branded benefits. So, here is another co-branded credit card to meet your shopping needs.

Lifestyle HC SBI Card SELECT

Annual Fee: Rs. 1,499

Welcome and renewal gift of 6,000 reward points equal to Rs. 1,500
10 reward points per Rs. 100 at Lifestyle, Home Centre, Max and Spar (both online and stores)
10 reward points per Rs. 100 on dining and movies
Convert rewards into LMR for dual benefits (1 LMR = 2.4 SBI Card Reward Points)
Get cumulative milestone benefits worth Rs. 8,600* in a year
1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000

Explore Eligible Options

3. Amazon Pay ICICI Credit Card

Best Shopping Credit Card with ZERO ANNUAL FEE

Key Highlights

Annual Fee: Nil

Amazon Prime users can avail 5% cashback on purchase at Amazon.in
Non- Amazon Prime users can avail 3% cashback on purchase at Amazon.in
You will get 2% reward points on recharges and bill payment
You can earn 2% cashback on 100+ Amazon Pay partner merchants
You will earn 1% cashback on all other payments
1 Reward point = 1 Rupee
No cost EMI on all purchases above Rs. 3,000 for 3 and 6 months

Should you get this card?

ICICI Amazon Pay Credit Card is best suited for those who are loyal to Amazon for most of their shopping needs. The more you spend on Amazon, the more cashback you will get. The card is even better for Amazon Prime users as they get 2% higher cashback on Amazon. Though the basic cashback rate of this card is only 1% (lower than Flipkart Axis Card or Axis Ace Card), its benefits are quite reasonable for a lifetime-free credit card. Also, since the cashback is given in the form of Amazon Pay Balance, you can use it on Amazon and its partner merchants only.

You should get this card if:	Consider other credit cards if:
You are an Amazon Prime Customer or plan to become one upon getting the card You prefer Amazon for everything- from gadget shopping to groceries to utility bill payment	You need generous benefits across other categories like travel or entertainment You like online shopping but are not loyal only to Amazon

Runner-up Card

Since Amazon Pay ICICI Credit Card is a great pick from the ‘Lifetime Free’ Category, here is a runner-up card in the same category.

HSBC Visa Platinum Credit Card

Annual Fee: Nil

Earn 2 Reward Points per Rs. 150 spent
Get 10% cashback for making at least 9 transactions totaling Rs. 10,000 or more in the first 90 days of card activation. Maximum cashback is capped at Rs. 2,000
Spend Rs. 50,000 or more in a month and get BookMyShow Vouchers worth Rs. 500*
Reach total spending of Rs. 4 Lakh in a year and get 5X rewards on all subsequent purchases
Fuel surcharge waiver for transactions between Rs. 400 and Rs. 4,000*

4. HDFC Millennia Credit Card

Best Shopping Credit Card for Cashback

Key Highlight

Key Highlight

Annual Fee: Rs.1000

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)

Should you get this card?

The HDFC Millennia Credit Card is designed exclusively to address the requirements of millennials who enjoy shopping online and want to be rewarded for their spending. For online purchases, the card gives up to 5% cashback and 1% cashback on all offline spending.

The card is ideally tailored to those who are Flipkart and Amazon’s faithful customers. But because other online spends still earn you 2.5% cashback, if you want to expand your shopping scope beyond Amazon and Flipkart, it’s not such a bad idea. Therefore, if you are confident of spending high, you can get HDFC Millennia, since cashback benefits are applicable only on transactions above a certain value.

You should get this card if:	Consider other options if:
You frequently use Flipkart and Amazon to shop online You are a heavy spender and prefer cashback over rewards and vouchers	You would want a card with more benefits than cashback and are ready to pay a higher annual fee You like to shop online but choose where to shop based on where you are getting the best deal instead of sticking to a particular platform like Amazon and/or Flipkart

Runner-up Card

Since HDFC Millennia is a good option for cashback and offers regular benefits, here is another card from HDFC Bank with similar features.

HDFC Easy EMI Credit Card

Annual Fee: Rs. 500

5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy
2.5% CashBack on all online spends (on minimum transaction size of ₹2000)
1% CashBack on all offline spends and wallet reloads (on Minimum transaction size of ₹100)
1% fuel surcharge waiver at all fuel stations across India
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter (for the first year only)
Get first-year membership fee waived off on spending ₹20000 & above in the first 90 days

5. American Express SmartEarn™ Credit Card

Best Shopping Credit Card with EXCELLENT REWARDS

Key Highlights

Annual Fee: Rs. 495

10X Reward Points on every Rs. 50 spent at Flipkart and Uber
5X reward points on every Rs. 50 spent at Amazon, Swiggy, BookMyShow, Big Bazaar, Myntra, PVR, Jabong and Grofers
1 Membership Reward Point on every Rs. 50 spent on insurance, utilities, fuel, cash transactions and EMI conversion at POS
500 cashback on spending Rs. 10,000 within 90 days of card issuance

Should you get this card?

American Express SmartEarn™ Credit Card lets you earn extra rewards when shopping with exclusive partners and the rate of earning is also higher as compared to other cards. You can convert membership reward points into Air Miles (Frequent Flyer Program) or redeem them against a wide range of shopping rewards, travel rewards, entertainment rewards, etc. Amex SmartEarn credit card can find place in almost all shopping credit card lists owing to the range of benefits provided by it. So, if you prefer getting high rewards on select online shopping platforms, this is the card for you.

You should get this card if:	Consider other options if:
You are a heavy spender and prefer shopping with the partner brands of this card. You would want rewards more than cashback or discount	Your annual income is lower than Rs. 4.5 Lakh (salaried)/Rs. 6 Lakh (self-employed) You would want a card with more benefits than rewards and are ready to pay a higher annual fee.

Runner-up Card

American Express SmartEarn™ Credit Card is one of the best rewards credit cards in India and so here we will also mention another card that finds a place in the list.

Citi Rewards Credit Card

Annual Fee: Rs. 1,000

1 Reward Point per Rs. 100 spent
10X Reward Points on Apparel and Departmental Store Purchases
Spend Rs. 30,000 or more in a month and get 300 bonus reward points
2,500 Reward Points as welcome gift when you use the card within 60 days of card activation
Avail Citibank Concierge Service

6. Standard Chartered DigiSmart Credit Card

Best Shopping Credit Card with DISCOUNT ON MULTIPLE BRANDS

Key Highlights

Monthly Fee: Rs. 49

Enjoy BOGO offer on INOX movie tickets on Saturday and Sunday twice a month*
10% off on buying groceries online through Grofers 5 times a month (Max. discount Rs. 1,000)
20% discount when shopping on Myntra up to a maximum discount of Rs. 700 once a month
10% discount on Zomato 5 times in a month
15% cashback on booking Ola Cab rides up to maximum cash back of Rs. 600 per month
Up to 25% off on Yatra for select categories*

*Terms and conditions apply

Should you get this card?

Standard Chartered DigiSmart Credit Card offers benefits not only on shopping but also across other categories like travel and food. The reason we have included it in the list is that only a few cards give direct discounts across such a wide variety of brands.

You should get this card if:	Consider other credit cards if:
You are a loyal customer of the brands like Myntra, Grofers, Ola, etc. You are looking for a card with comprehensive features and a low annual fee.	You would be comfortable paying a higher annual fee for better benefits across brands. You would like to save more on shopping at popular e-commerce platforms like Flipkart and Amazon

Runner-up Card

Since the DigiSmart Credit Card offers direct discount, here is another card with a similar feature:

SBI FBB StyleUP Credit Card

Annual Fee: Rs. 499

10% discount at FBB and Big Bazaar Stores on Fashion Apparel, Accessories, Backpacks, Footwear & School Bags
No minimum purchase or maximum discount
Offer can be availed over and above the offers in the store
Welcome gift of Rs. 500 Voucher from FBB
10X Reward Points on dining and spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets
1% fuel surcharge on every transaction of Rs. 500 to Rs. 3,000 up to Rs. 100 per month

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7. SBI SimplyCLICK Credit Card

Best Shopping Credit Card with EXTRA REWARDS ON ONLINE SHOPPING

Key Highlights

Annual Fee: Rs. 499

10X reward points on online spends with partner brands
5X rewards on all other online spends
Welcome gift of Rs. 500 from Amazon
Cashback up to Rs. 750 on booking packages above Rs. 1,500 via Cleartrip mobile app
Cash withdrawal up to 80% of the credit limit
The expense of Rs. 2,500 or above can be converted into EMIs

Should you get this card?

Much like HDFC Moneyback card, SBI SimplyCLICK gives additional reward points for online shopping but it gives you even more points if you shop with their exclusive partners. So if SBI Card’s partner merchants also happen to be your preference, you should choose this card.

You should get this card if:	Consider other options if:
You wish to get reward points for your spending instead of cashback You want a basic low-fee card with some extra benefits on online shopping	You would like better options to redeem the reward points You wish to get benefits across some other categories like travel or dining

Runner-up Card

SBI SimplyCLICK Credit Card offers accelerated rewards on online shopping and here is another card with a similar feature but a higher annual fee.

Axis Bank Buzz Credit Card

Annual Fee: Rs. 750

2 Axis EDGE REWARD Points per Rs. 200
6 Axis EDGE REWARD Points per Rs. 200 spent on online shopping
10% instant discount on Flipkart from 1st to 5th of each month
5% instant discount on Flipkart from 6th to 31st of each month
Flipkart Vouchers up to Rs. 2,500 as milestone benefit

Explore Eligible Cards