Top 7 Shopping Credit Cards in India

Shopping credit cards are one of the most popular credit cards among various leading banks in India. These cards offer numerous benefits and rewards to the customers every time they shop at stores or online.  Following are the top 7 shopping credit cards in India:

Annual Fee of Top 7 Shopping Credits Cards

*GST extra

SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card is in collaboration with Amazon India, BookMyShow, Lenskart, Cleartrip, and Ola cabs. This card is best suitable for online shopping.

Below mentioned are the shopping benefits of this card:

• Earn10X reward points on online spends with partner brands
• Earn 5X rewards on all other online spends

Additional Benefits:

• 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000
• It offers a welcome gift of Rs. 500 from Amazon
• Cardholders can enjoy 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

HDFC Moneyback Credit Card

HDFC MoneyBack credit card has been specifically designed to return a portion of what cardholders spend. However, this card ensures that more purchases lead to greater savings; one can also consider this as earning money on shopping. The cashback is in the form of rewards points, which can be utilized for further shopping or can also be converted into direct statement credit.

Below mentioned are the shopping benefits of this card:

• 2 reward points accrue for every Rs. 150 spent
• 2X reward points on online spends
• 100 reward points are equal to Rs. 20 as cashback
• Reward points earned on the HDFC Bank MoneyBack Credit Card are valid for a period of 2 years from the date they were earned

Additional Benefits:

• It offers zero liability on the loss of credit card
• One can avail 50-day interest-free window to make the payment after purchase
• Customers can avail free accidental death insurance up to Rs. 50 lakh
• It provides free fire and burglary protection for goods above Rs. 5,000

ICICI Bank Amazon Pay Credit Card

ICICI Bank in association with Amazon Pay and Visa has launched the ICICI Amazon Pay Credit Card. This credit card has lifetime free validity i.e. there is no joining fee or annual fee on the card. The cashback is automatically credited into the user’s Amazon Pay account.

Below mentioned are the shopping benefits of this card:

• 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

• Customers can earn 2% cashback on 100+ Amazon Pay partner merchants
• Users can earn 1% cashback on all other payments

Additional Benefits:

• Cardholders can avail 15% minimum discount on selected restaurants across India
• Waiver of 1% on fuel surcharge
• It has an embedded microchip to provide security against duplication and counterfeiting of card

Axis Bank Buzz Credit Card

Axis Bank Buzz credit card is specifically designed for people who prefer online shopping over traditional forms of shopping. The cardholders can pay for their purchases with their card and be rewarded for the same.

Below mentioned are the shopping benefits of this card:

• The customers can avail Flipkart voucher worth Rs. 1,000 on 3 purchases within the first 45 days
• The customers can get Flipkart gift vouchers worth up to Rs. 7,000 annually on milestone spends

Additional Benefits:

• Transactions over Rs. 2,500 can be converted into EMIs

American Express Membership Rewards^® Credit Card

American Express Membership Rewards^® credit card allows the users to earn rewards as they spend. Bonus membership reward points and milestone benefits are also offered to the users. Accumulated reward points can be redeemed against an exciting range of gift vouchers and merchandise.

Below mentioned are the shopping benefits offered by this card:

• The customers can avail Amazon gift card worth Rs. 8,000
• The customers can get Tanishq voucher worth Rs. 7,500
• One can avail redeem his/her points from the fabulous 19 and 24 Karat Gold Collection
• One can redeem his/her points from the fabulous 18 and 24 Karat Gold Collection

Additional Benefits:

• Zero lost card liability cover is offered to the customers
• 2 supplementary credit cards can be availed at no additional cost

• 20% discount whenever one dines at partner restaurants across the country

Paytm First Visa Platinum Credit Card

Paytm First Visa Platinum Credit Card has been launched by Paytm in partnership with Citibank. Currently, the card is exclusively offered to select Paytm customers but soon it will be opened for all customers. One can apply for the card on the Paytm app.

Below mentioned are the shopping benefits offered by this card:

• Cardholders can avail subscription of GOQii plus worth Rs. 900
• A customer can avail discount up to Rs. 2400 on The Man Company products
• Cardholders can enjoy an exclusive offer worth Rs. 6,000 on women’s formals

Additional Benefits:

• One can avail cashback of Rs 360 when he/she adds money to his/her Paytm wallet
• Customers can avail free movie tickets worth Rs. 1,200
• Customers can avail discount up to 15% at partner restaurants
• Users can avail 1% cashback on all the transactions and the cashback will be adjusted in his/her monthly statement
• The card also offers exclusive lifestyle services with leading brands like Big Basket, Zomato, Duty-Free Stores and many more

FAQs

What are reward points and how can I use them?

Whenever you make a purchase via credit card, you can earn reward points. The rate of reward point accumulation varies from one expense category to another as well as from bank to bank. The accumulated reward points can be exchanged in lieu of a range of discount vouchers.

Can I save my credit card details while shopping online?

Online sites usually ask the customer to make a profile and save the information of his/her credit card via which he/she will be making a purchase.

What does “zero lost card liability” mean?

Zero lost card liability means that the cardholder is not liable for any fraudulent transactions made post intimation of lost/stolen card to the issuer. Any transactions that get completed or charged to the card holder’s account once the issue is reported, the transaction will be written off by the issuer.