Shopping makes you feel special. Do you consider saving money when you shop? That’s where the magic is.
With the right credit card, your purchases can earn you cash back, discounts, free vouchers, and travel perks. But not all credit cards are created equal, especially when it comes to shopping.
So here are the 5 best shopping credit cards in India, plus tips on how to choose the one that suits you.
1. HDFC Millennia Credit Card
If you shop from your phone more than from stores, this card is just for you.
- 5% cashback on Flipkart, Amazon, Swiggy, Zomato, Uber
- 1% cashback on other spends (online & offline)
- Annual Fee: ₹1,000 (waived on ₹1 lakh spend)
- Welcome Bonus: ₹1,000 worth of vouchers
What makes it special: One of the few cards that gives flat cashback on both shopping and food delivery apps — no hidden terms.
2. Amazon Pay ICICI Card
This is the only lifetime-free card on the list — and it still packs a punch.
- 5% cashback on Amazon for Prime members (3% for others)
- 2% cashback on partner merchants (Swiggy, BookMyShow, etc.)
- 1% cashback on everything else
- Annual Fee: ₹0 forever
What’s great: Cashback goes directly to your Amazon Pay balance — no waiting, no conditions.
3. Flipkart Axis Bank Credit Card
Think Flipkart, Myntra, Swiggy, Uber, PVR — and money back every time you use the card.
- 5% cashback on Flipkart & Myntra
- 4% cashback on Swiggy, PVR, Uber
- 1.5% cashback on other spends
- Annual Fee: ₹500 (waived on ₹2L annual spend)
Why it works: Covers your wardrobe, your ride, your meal, and your weekend plan — all in one swipe.
4. SBI SimplyCLICK Credit Card
This credit card is ideal for first-time credit card users who enjoy online deals.
- 10X rewards on Amazon, BookMyShow, Cleartrip, and more
- 1% fuel surcharge waiver
- Welcome gift: ₹500 Amazon voucher
- Annual Fee: ₹499 (waived on ₹1L spend)
Bonus tip: Rewards can be redeemed for shopping vouchers from top brands.
5. Standard Chartered DigiSmart Card
This card is like having built-in promo codes on your card, with instant savings at checkout.
- 20% off on Myntra
- 10% off on Zomato and Grofers
- Buy 1, Get 1 free movie tickets on INOX
- Monthly Fee: ₹49 (waived on ₹5,000 monthly spend)
Why it’s different: You don’t wait for cashback or points — you get discounts the moment you pay.
Also Read: HDFC Bank Swiggy Credit Card
Quick Comparison Table
| Card | Best For | Key Perks | Annual/Monthly Fee |
| HDFC Millennia | All-round online use | 5% cashback, wide coverage | ₹1,000 (waived) |
| Amazon Pay ICICI | Amazon users | Up to 5% cashback, no fee | Free for life |
| Flipkart Axis Bank | Flipkart + lifestyle | 5% on Flipkart/Myntra, 4% on others | ₹500 (waived) |
| SBI SimplyCLICK | Beginners | 10X rewards, Amazon voucher | ₹499 (waived) |
| SC DigiSmart | Instant discounts | 10–20% off, B1G1 movies | ₹49/month (waived) |
How to Pick the Right Shopping Credit Card
You should ask yourself first, ‘What do you want?’
- Where do I shop most?
- Amazon? Get the Amazon Pay ICICI.
- Flipkart or Myntra? Go with Flipkart Axis.
- Do I want cashback or discounts?
- Cashback = Amazon, HDFC Millennia, SBI
- Instant discounts = DigiSmart
- How much do I spend monthly?
- Higher spenders can benefit from cards with annual fees waived.
- Light shoppers should stick to zero or low-fee cards.
FAQs
-
Which is the best credit card for online shopping in India?
The ideal credit card for online purchases varies depending on your preferred retailers.
Amazon users: Amazon Pay ICICI Credit Card
Flipkart/Myntra users: Flipkart Axis Bank Credit Card
All-round online use: HDFC Millennia or SBI SimplyCLICK Card
These cards offer high cashback, discounts, and reward points on popular shopping platforms. -
Which credit card gives maximum cashback on shopping?
Currently, the HDFC Millennia Credit Card offers up to 5% cashback on Amazon, Flipkart, Swiggy, and more. The Flipkart Axis Bank Credit Card and Amazon Pay ICICI Card also provide high cashback with minimal fees.
-
Are there any lifetime free shopping credit cards in India?
Yes, the Amazon Pay ICICI Credit Card is a lifetime free card. It offers 5% cashback for Prime members and has no joining or annual fees.
-
Which credit card is best for Flipkart shopping?
The Flipkart Axis Bank Credit Card is the best choice. Enjoy 5% cashback on Flipkart and Myntra purchases, and 4% on Swiggy, Uber, and PVR—perfect for everyday spending.
-
Can I get a shopping credit card with no annual fee?
Yes. Several cards offer no annual fee or waive it after a minimum yearly spend:
Amazon Pay ICICI Card – Free for life
SBI SimplyCLICK Card – Annual fee waived on ₹1 lakh spend
Flipkart Axis Bank Card – Waived on ₹2 lakh spend -
Which is better: a cashback or reward points credit card for shopping?
If you want instant savings, cashback cards are better. If you like to collect and redeem points for vouchers or gifts, go for reward points cards. Cashback is more straightforward and beginner-friendly.
-
Do shopping credit cards work for offline purchases?
Yes. While most shopping credit cards offer higher rewards for online purchases, they also work offline and give base-level cashback or reward points on regular spending.
-
Is there a minimum income required to get a shopping credit card?
Generally, you’ll need a monthly income between ₹15,000 and ₹25,000 to qualify for most shopping credit cards. However, eligibility may vary based on the bank and card type.
