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Do you love shopping? Are your visits to malls and stores too frequent? Do you open e-commerce apps on your smartphone every day? If your answer to any of these questions is in affirmative, then this article is specifically for you. Shopping credit cards offer numerous deals, discounts, cashback and rewards to the users every time they shop at stores or online.  Here, we will discuss the top 7 shopping credit cards in India for 2023.

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Top 7 Shopping Credit Cards in India for 2023

Credit Card Annual Fee Best Feature Offers Best Rewards On
Axis Ace Credit Card Rs. 499 5% cashback on bill payments, DTH, and mobile recharges via Google Pay Google Pay, Swiggy, Ola, and Zomato
Flipkart Axis Bank Credit Card Rs. 500 5% cashback on Flipkart and Myntra Flipkart and Myntra
Amazon Pay ICICI Credit Card NIL 5% cashback on shopping at Amazon Amazon
HDFC Millennia Credit Card Rs. 1,000 5% cashback on Amazon, Flipkart and HDFC SmartBuy transactions Amazon, Flipkart, Smartbuy, PayZapp and other online spends
SBI SimplyCLICK Credit Card Rs. 499 10X Reward Points on online spends BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, etc.
HSBC Cashback Credit Card Rs. 750 1.5% cashback on all online spends and 1% cashback on all other spends Amazon, BookMyShow, Tata Cliq
Axis Bank Neo Credit Card Rs. 250 40% off on Zomato; 10% off on Blinkit & Myntra Myntra, Zomato, Blinkit, BookMyShow movie tickets
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1. Axis Ace Credit Card

Best Shopping Credit Card for Cashback

Key Highlights
Should you get this card?
Key Highlights

axis-bank-ace-credit-card-1

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 (now Blinkit), 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
  • You prefer to choose the place that offers the best deals instead of preferring a particular website like Grofers (now Blinkit), Bigbasket, Swiggy or Zomato for your dining and grocery needs

Suggested Read: Axis Bank Ace Credit Card | Check Your Eligibility

2. Flipkart Axis Bank Credit Card

Best Shopping Credit Card with Co-branded Benefits

Key Highlights
Should you get this card?
Key Highlights

Annual Fee: Rs. 500

  • Welcome benefits worth Rs. 600
  • 5% cashback on shopping with Flipkart and Myntra
  • 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. This card is the best for those who prefer Flipkart over 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

Suggested Read: Flipkart Axis Bank Credit Card | Check Your Eligibility

3. Amazon Pay ICICI Credit Card

Best Shopping Credit Card with Zero Annual Fee

Key Highlights
Should you get this card?
Key Highlights

Amazon Pay ICICI Credit Card

Annual Fee: Nil

  • Amazon Prime users can avail 5% cashback in addition 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
  • 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

Suggested Read: Amazon Pay ICICI Credit Card | Check Your Eligibility

4. HDFC Millennia Credit Card

Best Shopping Credit Card for Cashback

Key Highlight
Should you get this card?
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?

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 is provided 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

Suggested Read: HDFC Millennia Credit Card | Check Your Eligibility

5. SBI SimplyCLICK Credit Card

Best Shopping Credit Card with Extra Rewards on Online Shopping

Key Highlights
Should you get this card?
Key Highlights

SBI SimplyClick Credit Card

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

Suggested Read: SBI SimplyCLICK Credit Card | Check Your Eligibility

6. HSBC Cashback Credit Card

Best Shopping Credit Card with Cashback and Rewards

Key Highlights
Should you get this card?
Key Highlights

Annual Fee: Rs. 750

  • 1.5% 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
Should you get this card?

HSBC Cashback Credit Card is a good card to earn unlimited cash back. The card offers exclusive benefits on purchases made on Amazon, with a 5% discount on purchases equal to or above Rs. 1000. Thus if you are a frequent shopper on Amazon, this card is worth it. Apart from benefits on Amazon, the card also offers discounts on BookMyShow and Tata Cliq.

You should get this card if: Consider other options if:
  • You shop online and offline regularly
  • You use your credit card frequently 
  • You are looking for a low annual fee card
  • Your annual income is below Rs. 4 lakhs per annum

Suggested Read: HSBC Cashback Credit Card | Check Your Eligibility

7. Axis Bank Neo Credit Card

Best Shopping Credit Card with Discounts on Multiple Brands

Key Highlights
Should you get this card?
Key Highlights

Axis Bank Neo Credit Card

Annual Fee: Rs. 250

  • Welcome gift vouchers of up to Rs, 250 each from Amazon, Zomato voucher of Rs. 250, and Blinkit with 6 months Pharmeasy subscription
  • 40% off of up to Rs. 120 on Zomato food delivery
  • 5% off on mobile, broadband and DTH recharges via Amazon pay
  • 10% off on Blinkit, Myntra and BookMyShow movie tickets
  • 15% off at partner restaurants under Axis Bank Dining Delights program
  • 1 EDGE reward per Rs. 200 spent
  • EMI facility on every purchase of Rs. 2,500 or above
Should you get this card?

Axis Neo Credit Card offers benefits not only on shopping but also across other categories like dining, food delivery, movies, and recharges. It is a good addition to this list of the best credit cards for shopping online and offline since it provides direct discounts across such a wide variety of brands.

You should get this card if: Consider other options if:
  • You are a loyal customer of the brands like Myntra, Blinkit, Zomato, 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 spending categories without being limited to certain brands.
  • You would like to earn better reward points on your every purchase.

Suggested Read: Axis Bank Neo Credit Card | Check Your Eligibility

How to Choose the Right Shopping Credit Card?

Different people have different shopping needs. For example, some would prefer e-commerce platforms to the stores while others would have preferences even among these online shopping websites. Your choice of the right shopping card will depend on how you plan to use the credit card. We have categorized the shopping credit cards above based on what bonus category they are best suited for. You may choose one of the cards from that list.

Once you have decided why you need the card and have shortlisted a few, the next step would be a comparison of those cards on the following grounds:

  • Annual Fee
  • Welcome Gift/Sign-up Bonus
  • Flexibility of Benefits (Cashback/Rewards Redemption Process)
  • Final Value Back (Cashback percentage/Rewards Value in Rupee)
  • Other terms and conditions

Confused? Start your search with the credit cards you are eligible for.

Check Eligibility & Apply Now

Making the Most of Your Shopping Credit Card

Once you have found the best credit card as per your need, the next step would be its proper usage. Here are a few tips to make the most of your card:

Use your card smartly- You got the card for all the benefits and value back that it offers. All of this makes sense when you use the card often and get these benefits. Put those expenses on the card that get you the highest benefit.

Earn what you pay in fee– Even if you don’t want to put every expense on your credit card, you should at least make enough purchases to get the annual fee that you get on the card waived off. You can do this by reaching the spending milestone for fee waiver or by making purchases that give you value back equivalent to the annual fee charged.

Keep up with the latest offers- Offers come and go on credit cards and you must stay updated in order to make the most of these.

If you have multiple credit cards, you must try to get the most by combining the benefits.

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2 Comments
Yagya datt joshi
September 4, 2020

I need for shopping credit card like ICICI amazon credit card

Reply
Team PaisaBazaar
October 13, 2020

Hi Yagya,
If you are looking for a co-branded card- Flipkart Axis Bank Credit Card and Citi Paytm FIRST Cards can be good options. However, these cards are suitable only for those who shop frequently with Flipkart or Paytm.
If you do not prefer a particular website and wish to get cashback on all purchases, consider the following cards-
HDFC Millennia Credit Card
HSBC Cashback Credit Card
Citi Cashback Credit Card

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