Introduction
Shopping credit cards have become an essential tool for modern consumers in India. Whether it’s online shopping, lifestyle purchases, or everyday groceries, the right credit card can help you save money while enjoying additional benefits like cashback, discounts, and exclusive deals. Below, we explore the 5 best shopping credit cards in India for 2025, their features, annual charges, benefits, and both pros and cons.
Top 5 Shopping Credit Cards in India
1. HDFC Millennia Credit Card
Benefits: 5% cashback on Amazon, Flipkart, BookMyShow, Myntra, and other popular platforms. 1% cashback on all other spends.
Annual Fee: ₹1,000 (waived on spending ₹1 lakh annually).
Advantages: High cashback rate, excellent for online shoppers, easy fee waiver.
Disadvantages: Cashback is capped per month, limited offline shopping benefits.
2. SBI SimplyCLICK Credit Card
Benefits: 10X reward points on Amazon, Apollo24x7, BookMyShow, Cleartrip, and other partners. 5X points on online shopping.
Annual Fee: ₹499 (waived on spending ₹1 lakh annually).
Advantages: Affordable annual fee, best suited for frequent online shoppers.
Disadvantages: Not ideal for offline purchases, reward redemption is slightly complex.
3. ICICI Amazon Pay Credit Card
Benefits: 5% cashback on Amazon (Prime members), 3% for non-Prime. 2% on partner merchants, 1% on all other purchases.
Annual Fee: ₹0 (lifetime free).
Advantages: No joining/annual fee, great for Amazon users, instant cashback to Amazon Pay balance.
Disadvantages: Limited offline benefits, not useful outside Amazon ecosystem.
4. Axis Bank Flipkart Credit Card
Benefits: 5% cashback on Flipkart and Myntra, 4% on preferred merchants, 1.5% cashback on other spends.
Annual Fee: ₹500 (waived on spending ₹2 lakh annually).
Advantages: Strong cashback for Flipkart and Myntra shoppers, unlimited cashback earning.
Disadvantages: Fee waiver condition is higher, best suited only if you shop on Flipkart/Myntra often.
5. HSBC Cashback Credit Card
Benefits: 10% cashback on dining, food delivery, and grocery spends. 1.5% cashback on all other purchases.
Annual Fee: ₹750 (first year free, waived on ₹1 lakh annual spend).
Advantages: Great dining and grocery benefits, simple cashback system.
Disadvantages: Cashback capped monthly, limited online shopping tie-ups.
Advantages of Having a Shopping Credit Card
- Helps save money through cashback and discounts.
- Exclusive access to online and offline deals.
- Builds credit score if used responsibly.
- Offers lifestyle perks like free movie tickets and dining benefits.
Disadvantages of Shopping Credit Cards
- High-interest charges if full balance is not paid on time.
- Annual fees can outweigh benefits if spending is low.
- Limited to partner merchants for maximum rewards.
- Cashback/reward caps restrict earnings.
Requirements to Apply for a Shopping Credit Card
- Age: Minimum 21 years (varies by bank).
- Income: Steady source of income (₹15,000 – ₹25,000 monthly depending on the card).
- Credit Score: Ideally 700+ for smooth approval.
- Documents: PAN card, Aadhaar card, salary slips or ITR, and proof of residence.
- Employment: Salaried professionals or self-employed individuals with stable income.
FAQs
1. Which is the best shopping credit card for online purchases?
The HDFC Millennia and SBI SimplyCLICK cards are among the best choices for online shoppers due to their higher cashback and reward points.
2. Are there any lifetime free shopping credit cards?
Yes, the ICICI Amazon Pay Credit Card is lifetime free with no annual charges.
3. What happens if I don’t pay my bill on time?
You’ll be charged high interest (up to 40% annually) and late payment fees. It can also hurt your credit score.
4. Can students apply for a shopping credit card?
Most banks require stable income proof, but students can get add-on cards under their parents’ credit cards.
5. How do I maximize benefits from a shopping credit card?
Use it for partner merchants, pay bills on time, and avoid overspending beyond your repayment capacity.