Best Credit Card for Shopping
Shopping enthusiasts in India can maximize savings with credit cards offering high cashback and rewards on retail spends. The best credit cards for shopping deliver 5-10% returns on online, offline, and grocery purchases, helping users save thousands annually
Best Credit Card for Online Shopping
These cards are designed for the digital-first consumer, offering high cashback rates on e-commerce platforms like Amazon, Flipkart, and Myntra.
| Card Name | Primary Benefit | Joining/Annual Fee |
|---|---|---|
| Cashback SBI Card | 5% Unlimited cashback on all online spends | ₹999 |
| Amazon Pay ICICI Card | 5% Unlimited cashback for Prime members | Lifetime Free |
| HDFC Millennia | 5% Cashback on Amazon, Flipkart, Swiggy, etc. | ₹1,000 |
| Flipkart Axis Bank | 5% Unlimited cashback on Flipkart & Myntra | ₹500 |
Best Credit Card for Offline Shopping
For those who prefer the mall experience or boutique shopping, these cards offer the best value for physical POS (Point of Sale) transactions.
| Card Name | Primary Benefit | Joining/Annual Fee |
|---|---|---|
| Axis Bank ACE | 2% Unlimited cashback on all offline spends | ₹499 |
| SBI SimplySAVE | 10X Reward points at departmental stores | ₹499 |
| HSBC Live+ | 10% Cashback on dining and lifestyle | ₹999 |
| American Express SmartEarn | 10X Rewards on partner brands (in-store) | ₹495 |
Best Credit Card for Grocery Shopping
Since groceries are a recurring monthly expense, these cards offer accelerated rewards at supermarkets and quick-commerce apps.
| Card Name | Primary Benefit | Best For |
|---|---|---|
| HSBC Live+ | 10% Cashback on groceries | Supermarkets & In-store |
| Swiggy HDFC Bank | 10% Cashback on Swiggy Instamart | Quick Commerce |
| Tata Neu Infinity | 5% Back as NeuCoins | BigBasket & Tata Brands |
| RBL Shoprite | 20 Reward points per ₹100 spent | General Grocery Spend |
Benefits of Shopping Credit Cards
- Welcome Bonuses: Most cards offer joining perks, such as a ₹500 Amazon voucher or 2,000 reward points, which often offset the joining fee.
- Milestone Rewards: If you spend a certain amount annually (e.g., ₹2 Lakhs), the bank may waive your annual fee or provide extra gift vouchers.
- No-Cost EMIs: Shopping cards often come with tie-ups at retailers like Reliance Digital or Apple, allowing you to split large purchases into interest-free installments.
- Purchase Protection: Some premium cards offer insurance against damage or theft for items purchased using the card.
Eligibility Criteria for Shopping Credit Cards
To get approved, lenders typically look for:
- Age: Usually between 21 and 65 years. Some banks offer "Add-on" cards for family members aged 18+.
- Income: For entry-level shopping cards, a monthly income of ₹20,000–₹25,000 is often sufficient. Premium cards (like HDFC Regalia Gold) may require ₹1 Lakh+ per month.
- Credit Score: A score of 750 or above significantly improves your chances and may even get you a "Lifetime Free" offer.
- Employment: Stability is key. Banks prefer applicants who have been with their current employer for at least 6 months.
Required Documents for Shopping Credit Cards
The application process has become largely digital (Video KYC), but you should keep these documents ready:
- Identity Proof: PAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
- Address Proof: Aadhaar Card, Utility Bills (Electricity/Water), or Rental Agreement.
- Income Proof: *
- Salaried: Latest 3 months' salary slips and bank statements.
- Self-Employed: Last 2 years' ITR (Income Tax Returns) with computation of income.
- Photographs: Recent passport-size color photos (if applying offline).
Steps to Apply for an Airlines Credit Card
- Click on the "Apply Now" button.
- Basic Info: Enter your Name, Mobile Number, Income, and Pincode to see eligible offers.
- Compare & Select: Compare cards from different banks (HDFC, SBI, Axis, etc.) and click "Apply Now" on your preferred card.
- Fill Details: Enter your PAN card number, Date of Birth, and Office address.
- OTP & Video KYC: Verify your mobile number via OTP and complete the Video KYC (or schedule a document pickup).
- Approval & Delivery: Once the bank verifies your credit score (CIBIL) and documents, the card is approved and delivered within 7–10 days.
FAQs
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.
IDFC FIRST Select Credit Card, HSBC Smart Value Credit Card, and AU Bank LIT Credit Card are free credit cards for online shopping. These credit cards do not involve any joining and annual fees.
- Check your credit score and credit report first.
- Think about what type of shopping (online, offline, specific brands or outlets) you want to use the credit card for.
- Look for the introductory offers, cashback, rewards, discounts and offers provided with the cards.
- Check out the joining fee, annual fee and other charges associated with the card.
Absolutely. If you spend ₹10,000 a month on groceries using a card like the HSBC Live+ (10% back), you save ₹1,000 monthly, totaling ₹12,000 a year—enough to pay for a vacation or a new gadget!
You can redeem your reward points for online or offline shopping, depending on the card provider’s policy. You can also convert the accumulated reward points into air miles or buy air tickets.
- SimplySAVE Advantage SBI Card: 10 reward points on spending per Rs. 150 on movies, dining, departmental stores, and grocery spending.
- Axis Bank SELECT Credit Card: 20% (up to Rs. 500) off on the BigBasket mobile app/ website on a minimum purchase value of Rs. 2,000.
- HSBC Cashback Card: 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.
SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI STYLEUP Contactless Credit Card, Axis MY ZONE Credit Card, Axis Bank SELECT Credit Card, IndusInd Platinum Aura Edge Credit Card, IDFC FIRST Select Credit Card, HSBC Cashback Credit Card, HSBC Smart Value Credit Card, AU Bank Altura Plus Credit Card, and AU Bank LIT Credit Card are some of the best credit cards for online shopping in India.
- SimplyCLICK SBI Card: Amazon.in gift card worth Rs. 500 on joining, and 5X rewards on all other online spends.
- Axis Bank SELECT Credit Card: Amazon voucher worth Rs. 2,000 on the first transaction within 90 days of the card issuance.
- IndusInd Platinum Aura Edge Credit Card: Amazon and other brands discount vouchers.
- HSBC Cashback Credit Card: Amazon e-gift voucher worth Rs. 250 on completing the online card application & Video KYC, 1.5% cashback on all online spends, Rs. 500 Amazon voucher, 5% (maximum Rs. 250 per card per calendar month) discount on Amazon on spending Rs. 1,000 or above, and 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.
- HSBC Smart Value Credit Card: Amazon e-gift voucher worth Rs. 250 on completing the online card application & Video KYC, and Rs. 500 Amazon voucher.
Reshma Rawat is a passionate writer, with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra, and writes blogs & webpages on financial products (loans, credit cards, insurance, financial policies by government, mutual funds, etc.
Abhijeet Singh has comprehensive experience in business writing, content management, SEO, social media and user analytics. Key areas of expertise include stock markets and personal finance.