Best Shopping Credit Cards
Maximize rewards on Amazon, Flipkart, and more
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Top 5 Best Shopping Credit Cards — Quick Comparison
Side-by-side comparison of the top-rated cards in this category
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Compare Cards (7 found)
Amazon Pay ICICI Credit Card
India's most popular co-branded credit card offering 5% unlimited cashback on Amazon.in, 2% on Amazon Pay partners, and 1% on all other spends — with zero annual fee for life.
Axis Bank Flipkart Credit Card
Earn 5% unlimited cashback on Flipkart and Myntra, 4% on select partners, and 1.5% on all other spends. Lifetime free. Best card for frequent Flipkart shoppers.
HDFC Swiggy Credit Card
The HDFC Swiggy card offers 10% cashback on Swiggy orders, 5% on online dining platforms, and 1% on all other spends. Lifetime free with no annual fee — perfect for food lovers who order frequently.
HDFC Tata Neu Infinity Credit Card
A Tata ecosystem rewards card from HDFC Bank — earn 5% NeuCoins across BigBasket, Croma, 1mg, and Westside. 1 NeuCoin = ₹1 with 8 airport lounge visits per quarter.
SimplyCLICK SBI Card
The best credit card for online shopping from SBI — earn 10x reward points on all e-commerce platforms including Amazon, Flipkart, and more. Welcome Amazon Gift Card included.
Flipkart SBI Card
India's best credit card for Flipkart shoppers — get 5% unlimited cashback on Flipkart, Myntra, and 2GUD with zero joining and zero annual fee. Backed by SBI Card.
Best Shopping Credit Cards in India
Why Get a Shopping Credit Card?
India's e-commerce market has exploded, and if you regularly shop on Amazon, Flipkart, Myntra, Nykaa, or Swiggy, a shopping credit card can save you ₹5,000-₹20,000 annually. Co-branded cards with specific retailers offer 3-5% cashback on that platform, while versatile shopping cards offer 2-3% on all online purchases.
Co-Branded vs General Shopping Cards
Co-branded cards (like Amazon Pay ICICI, Flipkart Axis Bank, Myntra Kotak) are designed around a single retailer — offering 3-5% rewards on that specific platform. General shopping cards (like SBI SimplyCLICK, HDFC Millennia) offer 2-3% rewards across all online merchants. If 60%+ of your shopping is on one platform, go co-branded. Otherwise, choose a general shopping card.
Online vs Offline Shopping Rewards
Most shopping cards differentiate between online and offline (POS) transactions. Online purchases typically earn 2-5x more rewards than in-store swipes. If you shop primarily in physical stores, look for cards that offer equal or near-equal offline rewards — cards like HDFC Millennia offer 1% cashback on offline spends alongside 2.5% on online.
Making the Most of Sale Seasons
Combine your shopping card with sale events for maximum savings:
- Amazon Great Indian Festival + Amazon Pay ICICI — 5% cashback plus sale discounts can deliver 30-50% effective savings.
- Flipkart Big Billion Days + Flipkart Axis — additional cashback on already-discounted products.
- No-Cost EMI — many shopping cards offer zero-cost EMI on partner platforms, letting you spread payments without extra cost.
- Bank-specific offers — during sales, banks offer additional 10% instant discount (capped at ₹1,500-₹3,000) on their cards.
Hidden Benefits of Shopping Cards
- Purchase protection insurance — covers items against damage or theft for 90 days after purchase.
- Extended warranty — doubles manufacturer warranty on electronics (check card terms for eligible categories).
- Price protection — some cards refund the difference if the price drops within 30 days of purchase.
- Easy EMI conversion — convert any purchase above ₹2,500 to 3-18 month EMI at competitive interest rates.
Frequently Asked Questions
Which credit card gives the best cashback on Amazon?
What is the best credit card for Flipkart shopping?
Can I get no-cost EMI on credit cards?
Do shopping card rewards work on all websites?
Are shopping credit cards worth it if I mostly shop offline?
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Best Cashback Credit Cards
Earn 1-5% cashback on every purchase with top-rated cashback cards in India.
ViewBest Shopping Credit Cards
Maximise savings on online and offline shopping with instant discounts and offers.
ViewBest Rewards Credit Cards
Earn valuable reward points on every purchase and redeem for flights, shopping, and more.
ViewBest Lifetime Free Credit Cards
Zero annual fee cards with no hidden charges — great value for all spending levels.
ViewCards for Salary ₹25K - ₹40K
Mid-range cards with cashback, rewards, fuel surcharge waivers, and more.
ViewCards for Salary ₹40K - ₹60K
Mid-premium cards with lounge access, travel benefits, and high cashback.
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