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.
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:
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.
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.
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.
These credit cards are issued by specific retailers. They offer discounts, rewards, or other perks for shopping at the store of a specific retailer.
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.
To help you make the right decision, here are a few selected credit cards that offer a range of benefits for shopping.
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
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
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
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
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
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
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
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
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
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
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.
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.
You can get welcome benefits in the form of vouchers or rewards based on the shopping credit card you have.
Enjoy a waiver on surcharge based on specific bill amounts when you fill fuel using this type of credit card.
You can get assured discounts or offers using shopping credit cards, be it on online transactions or dining bills and more.
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.
You must fulfil the following terms to get a shopping credit card from most issuers:
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
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
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.
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.