Best Shopping Credit Cards in India 2023

In an era marked by the convergence of convenience and consumerism, shopping credit cards have emerged as powerful tools that shape the way we approach retail therapy. Beyond their traditional function of facilitating transactions, these credit cards offer a plethora of benefits and incentives tailored to the avid shopper’s desires. From cashback rewards and exclusive discounts to flexible payment options, they have revolutionized the retail landscape and transformed the shopping experience. Unlike general credit cards, which can be used at various merchants, shopping credit cards are tailored to a specific store or group of related stores.

List of Best Shopping Credit Cards in India

In a bustling marketplace, where shopping is not just a necessity but a vibrant cultural experience, choosing the right financial tool to enhance your retail endeavors becomes essential. Enter shopping credit cards – a realm where convenience, discounts, and rewards converge to elevate the shopping journey. As the Indian retail landscape continues to evolve, so do the options for credit cards tailored to the avid shopper. Here we exploring the best shopping credit cards in India. From exclusive deals and cashback rewards to personalized shopping experiences, these cards redefine the art of purchasing while catering to the diverse needs and preferences of consumer.

American Express Membership Rewards® Credit Card

The Amex Membership Rewards Credit Card stands as a prestigious offering in the realm of credit cards, captivating discerning shoppers and savvy spenders alike. Issued by American Express, this card unlocks a world of unparalleled benefits and rewards. With every transaction, cardholders earn Membership Rewards points that can be redeemed for a diverse array of options, ranging from travel bookings and shopping vouchers to exclusive experiences. The card often features welcome bonuses, accelerated rewards on select categories, and partnerships with leading brands. Beyond the tangible benefits, the Amex Membership Rewards Credit Card embodies a sense of luxury, convenience, and status, making it an enticing choice for those seeking an exceptional credit card experience in India.

American Express Membership Rewards Credit CardKey Highlights of Amex Membership Rewards Credit Card

Welcome Gift: Get 4,000 Bonus Membership Rewards® Points when you start.
Fees: First year fee is Rs. 1,000 plus taxes. From the second year onwards, it’s Rs. 4,500 plus taxes.
Bonus Points: Earn 1,000 Bonus Points by using your card 4 times for transactions of Rs. 1,500 or more per month.
Monthly Spend Reward: Spend Rs. 20,000 or more in a month, and you’ll get an extra 1,000 Membership Rewards points.
Card Renewal Bonus: Get 5,000 Membership Rewards Points when you renew your card after the first year. You’ll receive the points within 90 days of renewal.
American Express EMI: Buy big items and pay in installments using American Express EMI.
Flexible Payments: Pay your Credit Card bill in full or part. Convert your purchases into monthly installments with American Express EMI.
Dining Discounts: Get up to 20% off at selected restaurants.
Services: 24/7 help with card matters, dispute resolution, lost card protection, and emergency card replacement.
Contactless Payment: You might be able to use contactless payments with your card.
Eligibility: You should be a Resident Indian, have an annual income of Rs. 6 Lakhs or more, be over 18, have a good credit history, and a savings/current account in India. Different conditions apply to different cities.

HDFC Millennia Credit Card

The HDFC Millennia Credit Card is designed with the modern shopper in mind. Tailored for those who enjoy online shopping and want rewards for their spending. While the annual fee of Rs. 1,000 might seem steep, the card’s benefits can make it worthwhile for frequent online shoppers. The card is particularly advantageous for loyal customers of platforms like Flipkart and Amazon, but it also extends its rewards to other online purchases. However, to maximize its benefits, users need to meet minimum spending requirements. The card also presents an opportunity for cashback rewards and an introductory 0% interest offer on balance transfers for the first 12 months.

HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

Key Highlights of HDFC Millennia Credit Card

Fees: To join or renew, it’s ₹1,000 plus taxes.
Renewal Offer: Spend ₹1 lakh in the last year to avoid paying renewal fee for the next year.
Welcome Gift: Pay joining fee and get a Gift Voucher worth the fee amount.
Cashback: Get 5% cashback on Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
Other Spends: Get 1% cashback on everything else except fuel, even EMI and Wallet transactions.
Gift Vouchers: Get ₹1,000 worth gift vouchers if you spend ₹1,00,000 or more every calendar quarter.
Smart EMI: After buying, you can choose to pay big spends in installments.
Eligibility: For Salaried – Indian, 21 to 40 years old, monthly income > ₹35,000.
For Self Employed – Indian, 21 to 40 years old, annual income (ITR) > ₹6.0 Lakhs.

Amazon Pay ICICI Credit Card

The Amazon Pay ICICI Credit Card is a popular shopping companion designed for Indian consumers. Created in collaboration between ICICI Bank and Amazon India, this card offers a range of benefits tailored to online shoppers. With opportunities to earn cashback on purchases, the card rewards users for their spending. It’s particularly advantageous for Amazon Prime members, who receive an additional 2% cashback on Amazon purchases. The card’s cashback is conveniently credited to the user’s Amazon Pay wallet at the end of each month, making it a hassle-free way to save while shopping. This lifetime free credit card provides a seamless and rewarding experience for those who frequent online marketplaces, especially Amazon.

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card

Key Highlights of Amazon Pay ICICI Credit Card

No Fees: No joining fee or yearly fee.
Rewards: Earn rewards without limits or expiry dates.
Reward Usage: Use rewards for buying from over 10 crore products on Amazon and 100+ partner stores.
No Cost EMI: Get 3 & 6-month EMI options on
Reward Value: Each reward point is worth 1 Rupee, added as Amazon Pay Balance.
ICICI Bank Customer Benefits: If you have an ICICI Bank Credit Card, you get exclusive perks. Save 15% at 2,500+ restaurants across India through Culinary Treats. Don’t pay 1% extra when you refuel.

Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is a popular choice for cashback enthusiasts, particularly those who are loyal to Flipkart’s online marketplace. Offering cashback on all transactions, it stands as one of India’s leading cashback credit cards. The card’s unique appeal lies in its impressive rewards structure, delivering up to 5% cashback on purchases made through Flipkart and Myntra, and 4% on partner merchants such as, Swiggy, PVR, and Uber. Despite being an entry-level card, its benefits easily surpass the annual fee. Partnered with brands that cater to various interests, including fashion, travel, and entertainment, the Flipkart Axis Bank Credit Card offers a balanced approach to cashback, making it a preferred choice for versatile spenders seeking consistent rewards.

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card

Key Highlights of Flipkart Axis Bank Credit Card

Joining Fee: Pay Rs. 500 to get started.
Welcome Benefits: When you get the card, you’ll enjoy introductory perks worth Rs. 1,100. This includes up to Rs. 500 worth of Flipkart vouchers, 15% cashback up to Rs. 500 on your first Myntra purchase, and a 50% discount up to Rs. 100 on your first order with Swiggy.
Cashback: Get 1.5% cashback on everything else you buy, both online and offline.
Travel Benefit: The card gives you 4 free visits to domestic airport lounges.
Eligibility: The main cardholder should be between 18 and 70 years old. They can be a resident of India or a non-resident Indian.

Myntra Kotak Credit Card

The Myntra Kotak Credit Card is tailored for avid fashion enthusiasts and loyal Myntra customers. As a collaboration between Myntra, a prominent fashion e-commerce portal in India, and Kotak Mahindra Bank, this credit card offers a host of exclusive benefits. Beyond its fashion-oriented perks, the card provides complimentary lounge access, fee waivers tied to spending patterns, and special rewards for achieving spending milestones. Designed to cater to the diverse needs of fashion-conscious individuals, the Myntra Kotak Credit Card seamlessly combines style and functionality, making it a sought-after choice for those seeking a card that goes beyond traditional offerings.

Myntra Kotak Credit Card
Myntra Kotak Credit Card

Key Highlights of Myntra Kotak Credit Card

Joining Fee: Pay INR 500 to get started.
Annual Fees: You pay INR 500 every year.
Fee Waiver: If you spend INR 2,00,000 in the previous year, you won’t pay the annual fee for the first year.
Add-On Card: For an extra card, it’s INR 299.
Myntra Discount: Whenever you shop on Myntra, you get an instant 7.5% discount. The highest discount is Rs. 750 per time.
Preferred Partners: Spend in the Preferred Partners category and get 5% cashback. The maximum cashback is Rs. 1,000 per statement cycle.
Other Spends: You get 1.25% cashback on spends across all other online and offline merchants
Myntra Insider Program: You become a member for free.
Activation Benefit: When you first use the card, you get a Rs. 500 Myntra voucher. Just do a transaction of Rs. 500 or more within 30 days after you get the card. The voucher comes within 30 days and gives you a Rs. 500 discount on your Myntra shopping.
Eligibility: The main cardholder should be between 18 and 65 years old. For an extra card, the person should be 18 or older. You should live in India.

Axis Bank NEO Credit Card

The Axis Bank NEO Credit Card is a great choice for avid online shoppers and entertainment enthusiasts. With attractive welcome benefits that include vouchers for online shopping and movies, this card appeals to those who enjoy the digital world. Specifically tailored for Myntra enthusiasts, offers discounts on Myntra, BookMyShow movies, and Blinkit (formerly Grofers) groceries, alongside other perks like Zomato and Paytm discounts. This Credit Card delivers a blend of shopping discounts, entertainment perks, and safety features, making it a worthwhile option for those who frequently make their purchases online.

Axis Bank Neo Credit Card
Axis Bank Neo Credit Card

Key Highlights of Axis Bank NEO Credit Card

Fees: Pay Rs. 250 to join and Rs. 250 every year.
Eligibility: The main cardholder should be between 18 and 70 years old. An extra cardholder should be over 15. You should either live in India or be a non-resident Indian.
Activation Benefit: Pay any utility bill in the first 30 days after getting the card, and you’ll get 100% cashback up to Rs. 300.
Zomato: You get 40% off when you order food delivery. Also, 5% off on utility bills with Paytm and 10% off on groceries with Grofers (now Blinkit).
Myntra Shopping: Whenever you shop on Myntra, you get a 10% discount. Just make sure your purchase is worth at least Rs. 500.
BookMyShow Movies: For every movie ticket you buy on BookMyShow, you get 10% off. The most you can save in a month is Rs. 100.

SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is a popular choice in the market, known for its easy eligibility and affordable annual fee. Geared towards avid online shoppers, this card offers reward points for transactions made with exclusive partners like BookMyShow, Cleartrip, Netmeds, UrbanClap, and more. What sets this card apart are the enticing milestone benefits, delivered through valuable e-vouchers from leading brands, often surpassing the cost of the card’s fee. Tailored to meet the needs of modern consumers who prefer digital shopping experiences, the SBI SimplyCLICK Credit Card combines convenience, rewards, and savings for a seamless online shopping journey.

SBI SimplyClick Credit Card
SBI SimplyClick Credit Card

Key Highlights of SBI SimplyCLICK Credit Card

First Year: No annual fee for the first year.
Subsequent Years: From the second year, the fee is Rs. 499, but it’s waived if you spend over Rs. 1 lakh the previous year.
Online Spending: For online shopping with special partners like Cleartrip, Apollo24X7, BookmyShow, EazyDiner, and Netmeds, you earn 10X rewards.
Welcome Gift: Pay the Rs. 499 annual fee + taxes, and you’ll get a Rs. 500 gift card as a welcome gift.
Spending Rewards: When you spend Rs. 1 lakh and Rs. 2 lakhs online annually, you receive e-vouchers worth Rs. 2,000 each time.

Axis Bank Buzz Credit Card

The Axis Bank Buzz Credit Card is a tailored option for enthusiastic online shoppers, particularly those who frequent Flipkart. This entry-level credit card offers significant perks, including the opportunity to earn Flipkart vouchers annually, coupled with transaction discounts. While its benefits extend primarily to Flipkart-related transactions, the card also provides elevated reward points for online shopping endeavors. However, beyond its Flipkart association, the card’s advantages are relatively standard. This Credit Card is a valuable choice for avid shoppers, allowing them to enjoy accelerated rewards and the convenience of converting purchases into manageable EMIs.

Axis Bank Buzz Credit Card
Axis Bank Buzz Credit Card

Key Highlights of Axis Bank Buzz Credit Card

Joining Fee: Pay Rs. 750 to get started.
Yearly Vouchers: You get complimentary Flipkart vouchers worth Rs. 8000 every year.
Welcome Gift: If you make 3 purchases in the first 45 days, you receive a Rs. 1,000 Flipkart gift voucher as a welcome benefit.
Monthly Discounts on Flipkart: You get an instant 10% discount from 1st to 5th of every month, and 5% discount from 6th to 31st.
Reward Points: Get 2 Axis EDGE reward points for every Rs. 200 spent.
Online Shopping Bonus: When you shop online, you earn 3X Axis EDGE reward points.
Restaurant Savings: You can enjoy at least 15% off at partnered restaurants all over India.