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Whether you are doing it to stock up on essentials or for some retail therapy, shopping can be an enjoyable activity. Using a shopping credit card to manage your transactions gives you the added benefit of earning exciting rewards and getting pocket-friendly offers. 


With some of the best shopping credit cards in your wallet, you can access flexibility, safety, convenience as well as perks. Whether you need to purchase the latest gadget or buy trendy footwear, using a shopping credit card helps you pay for it all.


However, before finalising a specific card as your shopping buddy, compare various credit cards available in the market. Doing so will help you find the best fit that matches your requirements and get you suitable discounts and offers. 


Read on to know about the various types of credit cards ideal for shopping and how you can get one. 


Types of Shopping Credit Cards

Shopping credit cards offer reward points, discounts, and other perks when you shop for certain categories of products or at specific retailers. There are several types of credit cards available under this umbrella, with their own benefits and drawbacks. 


Here are some of the most common types:

  • Co-branded Shopping Credit Cards

When a specific brand partners with a bank, the result is a co-branded shopping credit card like the Flipkart Axis Bank Credit Card. It gives you added benefits like cashback when you shop for certain brands or at certain retail outlets. 

  • Cashback Shopping Credit Cards

These credit cards offer cashback rewards for purchases within specific categories such as groceries, gas, or online shopping. The cashback percentage varies depending on the card issuer and the category.

  • Rewards Shopping Credit Cards

These credit cards offer double or more rewards points for purchases you make within

various categories. You can redeem these points for a range of products and services, from travel bookings to gadgets.

  • Store Credit Cards

These credit cards are issued by specific retailers. They offer discounts, rewards, or other perks for shopping at the store of a specific retailer.

  • Travel Shopping Credit Cards

You can get a variety of perks on accommodation, tickets, rentals, and more with shopping credit cards geared towards travel. Complimentary insurance for baggage or travel is also a perk you can expect from these credit cards. 

Some of the Top Shopping Credit Cards in India in 2023

To help you make the right decision, here are a few selected credit cards that offer a range of benefits for shopping. 

1. Axis ACE Credit Card

The Axis ACE Credit Card is one of the best cashback cards offered in the country. Here are some of its key highlights: 

  • Joining fee of ₹499 is reversed if your spends cross ₹10,000 within 45 days of issuance

  • 5% cashback on bill payments, DTH recharges, and mobile recharges initiated via Google Pay

  • 4% cashback on platforms like Swiggy, Zomato and Ola

  • 2% cashback available on all other eligible transactions

  • Discount of up to 20% at 4,000+ select restaurants

  • Up to 4 complimentary domestic airport lounge visits in a year

  • 1% fuel surcharge is waived across all fuel stations 

  • EMI facility for transactions above ₹2,500  

2. Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is one of the best co-branded cards to fulfil all your shopping needs via e-commerce. Here are some of its key highlights:

  • Joining fee of ₹500 is applicable on this card

  • ₹1,100 worth of welcome and activation benefits upon joining

  • 5% cashback on shopping at Myntra and Flipkart

  • 4% cashback on shopping with other preferred merchants like Uber, PVR, Cleartrip and more

  • 1.5% cashback applicable across all other categories

  • Up to 20% off at partner restaurants in India

  • 4 complimentary domestic airport lounge visits 

  • 1% fuel surcharge waiver applicable on transactions up to ₹400 per month

  • You can convert transactions over ₹2,500 into EMIs

3. Amazon Pay ICICI Credit Card

If you are a regular shopper at Amazon.com, the ICICI Amazon Pay Credit Card is ideal for you. The more you spend on Amazon.com, the more cashback you will get. Some of the key highlights of this card include the following: 

  • No joining or annual fee

  • No limit or expiry on the rewards earned

  • Amazon Prime users can get a cashback of 5% on physical goods purchased at Amazon

  • Non-Amazon Prime users can get a cashback of 3% on physical goods purchased at Amazon 

  • Earn cashback of 2% on 100+ Amazon Pay partner merchants by making use of this card from your Amazon Pay wallet

  • Earn a cashback of 1% on all other payments

  • Benefit from the No Cost EMI option for a tenor between 3 months and 6 months

4. HDFC Millennia Credit Card

Targeted towards millennials and others who enjoy shopping online, the HDFC Millennia Credit Card offers rewards for almost every purchase. Here are some of the main highlights of this credit card:

  • Joining fee of ₹1,000, and you get a gift voucher of an equivalent amount as a welcome benefit

  • ₹1,000 gift voucher rewarded on transactions of ₹1 Lakh or above during each quarter

  • 5% cashback when you shop from Flipkart, Swiggy, Amazon, Cult.fit, Uber, Myntra, Tata CLiQ, Sony LIV and Zomato

  • Earn a cashback of 1% on all other payments except for fuel 

  • Complimentary domestic airport lounge access 8 times per calendar year (Twice every quarter)

  • 1% fuel surcharge waiver on transactions up to ₹250 per month

5. SBI SimplyCLICK Credit Card

If contactless payments, EMI conversion facility and easy availability of add-on cards is what you are looking for, this credit card is your match. Here are the key highlights of the SBI SimplyCLICK Credit Card:

  • An annual fee of ₹499 is applicable on this card, which is reversible if your spends cross ₹1 Lakh

  • Get a ₹500 Amazon card as a gift on paying the annual fee

  • 10X reward points on online purchases with partner brands like Apollo 24x7, BookMyShow, Cleartrip, Netmeds and more

  • 5X rewards on all other online transactions

  • Fuel surcharge waiver up to ₹100 per statement cycle

  • Get a voucher of ₹2,000 from Cleartrip when you spend ₹1 Lakh online in a year 

6. Standard Chartered DigiSmart Credit Card

The Standard Chartered DigiSmart Credit Card offers the best discounts on multiple brands across various categories like shopping, travel, and food. Here are some of its main highlights:

  • No annual fee

  • Monthly charge of ₹49  

  • Up to 20% discount at Myntra

  • Up to 10% discount on Zomato 5 times a month

  • 15% cashback on all Ola cab bookings

  • Buy one  ticket and get one free on Saturdays and Sundays at INOX

  • Up to 20% discount at Yatra on domestic flight bookings

7. HSBC Cashback Credit Card

The HSBC Cashback Credit Card is a good card to earn unlimited cashback and rewards. Here are some of its key highlights: 

  • The annual fee is ₹750, which is reversible if you spend more than ₹1 Lakh annually 

  • 1.5% cashback on all online transactions and 1% cashback on all other spends

  • Cashback on Instant EMI is applicable as long as you avail the service at partner stores/websites

  • Cashback is credited within 45 days of the card statement date

  • 5% discount on Amazon on spending more than ₹1,000 

  • 30% discount on Eazydiner up to ₹600, 

  • Flat 10% discount up to ₹100 on Blinkit  

8. HDFC Regalia Credit Card

The HDFC Regalia Credit Card is a premium card offering numerous benefits. These include complimentary airport lounge access, travel insurance, reward points and discounts on dining and shopping. Some of its key features are mentioned below:

  • Annual fee of ₹2,500 is applicable

  • Welcome benefit of 2,500 reward points on payment of joining fee of the same amount

  • Complimentary airport lounge access 12 times domestically and 6 times internationally 

  • Earn 10,000 reward points on all annual spends of ₹5 Lakhs 

  • 4 reward points on every ₹150 spent on retail purchases

  • 1% waiver on fuel surcharge up to ₹500 per statement cycle 

9. HDFC MoneyBack+ Credit Card

The HDFC MoneyBack+ Credit Card has a range of impressive advantages, making it a top choice for many. One of the notable benefits is that you can choose to redeem CashPoints against the statement balance. 


Here are some of the key highlights of this card:

  • Welcome gift of 500 cash points 

  • Earn 10X CashPoints on shopping at Swiggy, Flipkart, Amazon, BigBasket and more

  • Earn 5X CashPoints on EMI transactions with partner merchants

  • Get 2 CashPoints on every ₹150 spent on all else with exemptions of fuel and vouchers 

  • Gift voucher of ₹500 when you cross the milestone of ₹50,000 per quarter 

  • Get a discount of up to 20% on restaurants through Swiggy DineOut 

10. SBI Card PRIME 

SBI Card PRIME is a premium credit card offering many benefits. You can avail offers and cashback on various categories like travel, shopping, fuel, movies and entertainment. 

 Here are some of its key highlights:

  • Annual fee of ₹2,999

  • Gift vouchers worth ₹3,000 from Hush Puppies, Yatra, Shoppers Stop, and Aditya Birla Fashion

  • Earn 10 reward points for every ₹100 spent on retail transactions

  • Earn 20 reward points for every ₹100 spent on your birthday 

  • Complimentary Vistara Club Membership included 

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Features & Benefits of Shopping Credit Cards

To get the maximum benefit from your shopping credit card, you must know its features and benefits beforehand. Read on to learn about the common advantages they offer you.

1. Reward Points

You can earn reward points on shopping, movie tickets, dining, and more with a shopping credit card. You can redeem these points to buy or avail your favourite products/services.

2. Welcome Benefits

You can get welcome benefits in the form of vouchers or rewards based on the shopping credit card you have.

3. Fuel Surcharge Waiver

Enjoy a waiver on surcharge based on specific bill amounts when you fill fuel using this type of credit card. 

4. Discounts

You can get assured discounts or offers using shopping credit cards, be it on online transactions or dining bills and more.

5. Security

A shopping credit card also offers safety with contactless tap payments and may also offer a fraud liability cover. 


In addition, you can sign up for virtual credit cards, which are one-time use credit cards that you can generate for online transactions. These cards offer an added layer of security, as they are valid for only one transaction.

Eligibility Criteria & Documents Required for a Shopping Credit Card

You must fulfil the following terms to get a shopping credit card from most issuers:

1. Eligibility Criteria for a Shopping Credit Card

  • Nationality: You must be a citizen of India

  • Age: Your age must be at least 21 years

  • Employment Status: You must either be salaried or self-employed

  • Credit History: You must have a good credit history

2. Documents Required to Apply for a Shopping Credit Card

Keep the following documents handy when applying for a shopping credit card:

  • Proof of address 

  • Proof of identity 

  • Proof of income 

  • Duly signed application form

  • Latest passport-size photographs

How to Apply for a Shopping Credit Card

To apply online for a shopping credit card on Bajaj Markets, follow these steps:

  • Step 1: Click on the ‘APPLY NOW’ tab of this page 

  • Step 2: Fill in essential details such as your mobile number, employment type and date of birth

  • Step 3: Check out the different shopping credit cards available on the platform and compare them

  • Step 4: Select the best shopping credit card

  • Step 5: Fill out the application form and submit it online


That is all it takes to get a credit card effortlessly on Bajaj Markets. After an instant KYC verification, you can get card approval in less than 5 minutes.

FAQs on Shopping Credit Cards

You can earn accelerated rewards across a range of categories, such as dining, movies and online shopping. Additionally, you can earn bonus reward points on reaching spending milestones. Some shopping credit cards also provide gift vouchers.

The best shopping credit card for offline use depends on your needs and usage. Choose a card that is right for you based on the offers, partners, fees and your eligibility.

Credit cards which offer EMI conversion facilities are considered best for mobile shopping, as you can convert your big-ticket purchase into affordable EMIs.

Shopping credit cards offer reward points when you use them for purchases or for making payments. Once you have sufficient reward points, you can use them to buy products, avail e-vouchers, use them against your statement balance and more.

Shopping credit cards are designed to offer a wide range of benefits each time you use them to shop for products and services. Depending on the card that you opt for, you may stand to receive bonuses or accelerated reward points on specific transactions. 


You may even get welcome vouchers for spending a certain sum of money within the first month or so of card activation.

Yes, it is absolutely safe to make online purchases using a credit card. Every known e-commerce website has a secure payment gateway that keeps your transactions safe. 


Moreover, most online transactions ask for an One-time Password (OTP)  to authorise every purchase, which adds an extra layer of protection.

Accelerated reward points programs offer customers the opportunity to earn points at a faster rate. This is typically offered by providing extra points for specific purchases or activities. 

For example, a credit card may offer 2X or 3X points for purchases within certain categories like travel or dining. The additional points can be redeemed for cashback, merchandise, or travel-related transactions.

There are numerous ways to use a credit card safely and conveniently for online shopping. Use it directly on the merchant’s website or through a payment gateway. You can also use it on mobile wallets like Paytm, Google Pay or PhonePe. 


Most online platforms, such as Flipkart and Amazon, allow you to use your credit card to pay digitally too.

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