As more of our shopping needs are met online, having a credit card that offers incentives for virtual and physical shopping has become a necessity than a luxury. For such online shoppers, we have compiled a list of the 15 best credit cards for shopping in India in 2023.
See also: How to pay rent using credit cards?
IDFC FIRST Millennia Credit Card
Joining fee: None
Annual renewal fee: None
Features:
- Up to 6X reward points for online purchases on select variants
- Up to 4X rewards for offline purchases and rental spends on select variants
- 25-75% discount on movie tickets every month on select variants
- Up to 25% discount across 1,500 restaurants on all cards
- Gift vouchers worth Rs 500 or more on spending Rs 15,000 within the first three months on select variants
- 5% cashback (up to Rs 1,000) of the transaction value of the first EMI within 30 days of card generation
- Personal accident cover of up to Rs 10,00,000
- Complimentary airport lounge and golf access on all premium card variants
Axis Bank Buzz Credit Card
Joining fee: Rs 750
Annual renewal fee: Rs 750
Features:
- Flipkart gift voucher worth Rs 1,000 as a welcome benefit on three purchases within the first 45 days
- 10% discount on Flipkart from 1-5th of every month
- 5% discount on Flipkart from 6-31st of every month
- 2 Axis EDGE reward points on every Rs 200 spent
- 3X Axis EDGE reward points on online shopping
- Minimum 15% off on partner restaurants in India
- Flipkart gift vouchers worth up to Rs 7,000 on achieving annual spending milestones
HDFC MoneyBack+Credit Card
Joining fee: Rs 500
Annual renewal fee: Rs 500
Features:
- 2 reward points for every Rs 150 spent
- 2X reward points for every Rs. 150 spent online
- Quarterly gift voucher worth Rs 500 on spends of Rs 50,000
- Annual gift vouchers worth up to Rs 2,000
- Up to 20% off on all restaurant bill payments via Swiggy Dineout
- 1% fuel surcharge waiver on fuel transactions
- 500 cash points on membership fee
- Gift vouchers worth Rs 500 on quarterly spends of Rs 50,000 and above
- Renewal membership fee waivedon spendingsof Rs 50,000 and above in the first year
SBI SimplyCLICK Credit Card
Joining fee: Rs 499
Annual renewal fee: Rs 499
Features:
- 1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3,000
- e-voucher worth Rs 2,000 on annual online spends of Rs 1 lakh and Rs 2 lakh each
- Annual renewal fee reversed in the subsequent year on
- spending Rs 1 lakh
- in gift card worth Rs 500 on annual fee payment
- 10X reward points on online spending with exclusive partners, including Apollo 24×7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmedsand Yatra
- 5X reward points on all online spends
Axis Bank ACE Credit Card
Joining fee: Rs 499
Annual renewal fee: Rs 499
Features
- 5% cashback on all bill payments, DTH recharge and mobile recharge initiated via Google Pay
- 4% cashback on Swiggy, Ola and Zomato
- 2% cashback on all spends
- No upper limit or maximum cashback earned
- 4 complimentary annual domestic lounge visits
- Up to 20% off at 4000+ participating restaurants
- 1% fuel surcharge waiver across all fuel stations
- Joining fee waived on spending more than Rs 10,000 within 45 days of card issuance
- Annual fee waived on annual spends greater than Rs 2 lakh
Millennia Credit Card
Joining fee: Rs 1,000
Annual renewal fee: Rs 1,000
Features:
- 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- 1% cashback on all spends (except fuel), including EMI and Wallet transactions
- Rs 1,000 gift vouchers on quarterly spends of Rs 1,00,000 and above
- Up to 20% discount on partner restaurants via Swiggy Dineout
- 8 complimentary domestic lounge access per calendar year (2 in a quarter)
- 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs 400 and maximum transaction of Rs 5,000
- Gift voucher equivalent to joining fee
- Renewal membership fee waived off for the subsequent year on spends of Rs 1 lakh or more
Amazon Pay ICICI Credit Card
Joining fee: None
Annual renewal fee: None
Features
- 5% cashback on transactions made on Amazon for Amazon Prime members
- 3% cashback on transactions made on Amazon for non-Prime members
- 2% cashback on online purchases from over 100 Amazon Pay merchant partners
- 1% surcharge waiver for all fuel purchases
- 1% cashback on all payments
- Reward earnings can be used to make purchases on Amazon and with more than 100 merchant partners
Cashback SBI Card
Joining fee: Rs 999
Annual renewal fee: Rs 999 from second year onwards
Features
- 5% cashback on online spends
- 1% cashback on offline spends
- Renewal fee reversal on annual spends of Rs 2 lakh
- 1% fuel surcharge waiver across all petrol pumps in India on transactions of Rs 500-Rs 3,000
- Accepted in over 24 million outlets worldwide, including 325,000 outlets in India
- Accepted for payments at all outlets that accept VISA
- Withdraw cash from over 1 million VISA outlets worldwide
Flipkart Axis Bank Credit Card
Joining fee: Rs 500
Annual renewal fee: Rs 500 from second year onwards
Features
- 5% cashback on Flipkart
- 5% cashback on Myntra
- 4% cashback on Cult.fit, Swiggy, PVR and Uber
- 5% cashback on other categories
- Rs 1,100 worth of joining and activation benefits from Flipkart, Myntra and Swiggy
- Rs 500 Flipkart voucher on the first transaction
- 15% cashback up to Rs. 500 on the first Myntra transaction
- 50% discount up to Rs 100 on the first Swiggy order
- 4 complimentary annual domestic lounge visits
- Up to 20% discount at over 4,000 partner restaurants, including KFC, TGIF and Berco’s
- 1% fuel surcharge waiver for transactions worth Rs 400 to Rs 4,000
- Annual fee waived off on annual spends greater than Rs 2 lakh
HSBC Cashback Credit Card
Joining fee: None
Annual renewal fee: Rs 750
Features
- Unlimited cashback on all transactions
- 5% cashback on all online spends, excluding transfer of funds to online wallets
- 1% cashback on all other spends
- Annual membership fee reversed on annual spends exceeding Rs 1 lakh
- 3 complimentary airport lounge access at domestic and international airports or 3 meal vouchers
- Amazon voucher worth Rs 500
- Swiggy voucher worth Rs 500
- Sony LIV 12-month membership
- Myntra voucher worth Rs 500
- Ajio voucher worth Rs 3,000
- 5% discount on Amazon spends worth Rs 1,000 or above
- 30% discount up to Rs 600 on Eazydiner
Axis Bank Neo Credit Card
Fee
Joining fee: Rs 250
Annual fee: Rs 250
Features
- Amazon gift of Rs 250 on first transaction
- Welcome gift voucher of Rs 300 from BookMyShow
- 10% off on every purchase of a movie ticket on BookMyShow; maximum monthly benefits of up to Rs 100
- 10% off on shopping with Myntra on each instance at spending of at least Rs 500
- 40% off on Zomato on food delivery
- 5% off on utility bill payments via Amazon Pay
- 10% off on Blinkit on groceries
- 1 reward points on every Rs 200 spent
- Minimum 15% discount at partnered restaurants across India.
Myntra Kotak Credit Card
Fee
Joining fee: Rs 500
Annual fee: Rs 500
Annual fee waiver on spending of Rs 2 lakh in the previous anniversary year
Features
- Myntra voucher worth Rs 500 on card activation
- 5% instant discount of on all spends done across Myntra platforms; maximum discount of Rs 750 per transaction
- Complimentary membership to Myntra Insider Program
- Unlimited 1.25% cashback on spends across all other online and offline merchants
- 5% cashback on preferred partners
- 2 complementary PVR tickets every quarter
- 1 complimentary domestic lounge access per calendar quarter.
- Avail of a maximum fuel surcharge waiver of Rs.3,500 in each anniversary year applicable on transactions between Rs 500 and Rs 3,000
Paytm HDFC Bank Digital Credit Card
Fee
Yearly membership fee: Rs 149
First year fee waived off on spending Rs 1,000 in first 30 days
Renewal fee waived off on spending Rs 25,000 in a calendar year
Features
- 2% accelerated cashback on using the scan & pay feature on Paytm App, capped at Rs 250 per month
- 2% cashback on key accelerated categories -Swiggy and Uber, capped at Rs 250 per month
- 1% cashback on all other retail spends, including Paytm spends, capped at Rs 500 per month
- 1% fuel surcharge waived of on fuel transactions, on minimum transaction of Rs 400 & maximum transaction of Rs 5,000
- Cashback of up to Rs 150 on your first 2 transactions
HSBC Smart Value Credit Card
Fee
Joining fee: None
Annual fee: None
Features
- 1 reward point for every Rs 100 spent
- 3 times rewards on all spends on online, dining, and telecom categories, capped at 1,000 incremental points per month
- 10% cashback (up to Rs 1,000) after making at least 5 purchases, totalling
- Rs 5,000 or more, during the first 60 days of the card being issued
- Instalment plans at 10.99% per year for EMI products booked within the first 90 days of the card being issued (applicable to loans by phone, balance transfers on EMI and cash on EMI)
- Amazon voucher worth Rs 250 and up to 3 complimentary airport lounge visits or air-dine meals at airport restaurants in India when you make a single transaction of Rs 500 or more (transaction must be made within 30 days of the card being issued)
Standard Chartered Rewards Credit Card
Fee
Joining fee: None
Annual fee: Rs 1,000, to be reversed on spends of Rs 3,00,000 or more in the previous year
Features
- 4X reward points per Rs 150 on all retail spends
- Additional 4 reward points per Rs 150 on monthly retail spends above Rs 20,000
- 1 domestic lounge visit per calendar quarter (4 per year)
- 1% fuel surcharge waiver on all fuel spends
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |
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