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Unlock Massive Savings: Best Shopping Credit Cards in India for Online & Offline Deals

Updated: 19 hours ago

“A good credit card is like a good friend—always there when you need it…until the limit runs out.”


Credit Cards for Shopping
Credit Cards for Shopping

Imagine scrolling through Amazon at midnight, adding that gadget to your cart, or haggling at your local market for fresh produce. In both worlds—digital clicks and real-world hustles—your credit card can turn everyday spends into a treasure trove of cashback, rewards, and exclusive perks.


Whether you're a binge-online shopper or a street-bazaar loyalist, these online shopping credit cards and offline shopping rewards cards from top brands like HDFC, SBI, ICICI, Axis, and HSBC can supercharge your savings.


“My credit card doesn’t judge me…but the bank statement definitely does.”

 

TOPICS:

  • Top 5 Credit Card for Online Shopping in India

  • Top 5 Credit Cards for Offline Shopping benefits

  • Turn CC into Shopping Machines

  • Quiz Time: Discover Your Ideal Shopping Credit Card in 3 Minutes Flat

  • Final Swipe: Your Path to Shopping Supremacy Starts Now


“Shopping is cheaper than therapy—until the credit card bill arrives.”

 

Top 5 Best Credit Cards for Online Shopping in India: Cashback Kings for Digital Deals

Online shopping isn't just convenient—it's a ₹5 lakh crore juggernaut in India, fuelled by platforms like Amazon, Flipkart, and Swiggy. The right credit card for online shopping can net you 5-10% back on every transaction.

Below is a curated list from diverse banks, focusing on high-reward cards for e-commerce warriors. (Pro tip: Always check for merchant-specific exclusions to avoid devalued rewards.)

Card Name

Joining/Annual Fee (₹)

Key Online Rewards

Welcome Perks

SBI Cashback Credit Card

*999 (waived on ₹2L annual spend)

5% cashback on all online spends (up to ₹5K/month cap); 1% on others

*₹500 Amazon voucher on first spend

HDFC Millennia Credit Card

*1,000 (waived on ₹1L annual spend)

5% cashback on Amazon, Flipkart, Myntra, Swiggy; 1% unlimited

4 domestic lounge visits on ₹1L quarterly spend

Amazon Pay ICICI Credit Card

*Lifetime Free

5% for Prime/3% non-Prime on Amazon; 2% on partners like Swiggy, Uber

500 Amazon Pay balance on approval

Flipkart Axis Bank Credit Card

*500 (waived on ₹3.5L annual spend)

5% on Flipkart/Myntra; 4% on Cleartrip, Uber, PVR

1,500 EDGE points (₹300 value) on first use

Swiggy HDFC Bank Credit Card

*Lifetime Free

10% on Swiggy (food/grocery); 5% on 150+ online partners

1,300 Swiggy Money on activation

“Money can’t buy happiness, but cashback comes pretty close.”

 

How to Benefit the Most from These Online Shopping Credit Cards

  • SBI Cashback: Ideal for versatile online hauls—route all e-purchases here for uncapped 5% (after the ₹1L monthly limit, it's still 1% better than nothing). Maximize by pairing with sale seasons; redeem auto-credited cashback as statement credit to offset bills. Users report saving ₹3,000+ yearly on gadgets alone.

    SBI Cashback Credit Card: https://bitli.in/HKHo8dX

  • HDFC Millennia: Target "CashPoints" on millennial hotspots like Zomato or BookMyShow. To amp it up, hit quarterly milestones for lounge access (perfect for travel-tied shopping trips). Redeem 1 point = ₹1 on Amazon—turning points into instant savings.

    HDFC Millennia Credit Card: https://bitli.in/B7Fpj5k

  • Amazon Pay ICICI: Amazon addicts, this is your holy grail. Stack with Prime for 5% effective return; use Amazon Pay for UPI bills to snag extra 2%. Lifetime free means zero barriers—focus on volume spends to build a ₹10K+ annual cashback pot.

    Amazon Pay ICICI: https://inr.deals/Twh3cU

  • Flipkart Axis Bank: Flipkart loyalists get VIP treatment with 5% on Big Billion Days. Maximize via the Axis app for bonus EDGE Miles; convert to vouchers for cross-platform shopping. Waive fees effortlessly if you're a frequent Myntra fashion hunter.

    Flipkart Axis Bank Credit Card: https://bitli.in/0IOsLNH

  • Swiggy HDFC: Beyond food, leverage 5% on partners like Myntra or Tata Cliq. Pro hack: Use for Instamart grocery top-ups during sales—10% back means free delivery forever. Redeem as Swiggy Money for seamless loops.

    Swiggy HDFC Credit Card: https://bitli.in/h4NexkY



Bonus Recommendations:

Axis Ace Credit Card: https://bitli.in/u4sE4b6

Best For: Google Pay Rewards

Benefits: 5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato, Ola, 2% on all purchases. Perfect for users making frequent bill payments and online orders.

SBI SimplyClick Credit Card: https://bitli.in/9Fc0aht

Best for: Online reward points

Benefits: 10X reward points on Amazon, BookMyShow, Cleartrip, Apollo, 5X on all online shopping, Annual fee reversal with ₹1 lakh yearly spend. Perfect for: Users who want reward points instead of cashback.

Stack these with bank apps for extra promo codes, and watch your cart value shrink by 20%!

 

“I don’t shop a lot. I just support the economy more than others.”

 

Top 5 Best Credit Cards for Offline Shopping in India 2025: Rewards for Real-World Retail Therapy

Offline shopping thrives on tangibles—from Diwali dhamaka at malls to weekly kirana runs. With India's retail sector eyeing 12% growth in 2025, offline shopping credit cards shine with base rewards on groceries, dining, and department stores. These picks balance accessibility across banks like HSBC, Axis, and RBL.

Card Name

Joining/Annual Fee (₹)

Key Offline Rewards

Welcome Perks

HSBC Live+ Credit Card

999 (waived on ₹2L annual spend)

10% on groceries/dining (up to ₹1K/month); 1.5% unlimited on all

₹1,000 cashback on first ₹5K spend

HDFC Regalia Gold Credit Card

2,500 (waived on ₹4L annual spend)

20 RP/₹150 at Nykaa, M&S, Reliance Digital; 4 RP/₹150 on retail

Complimentary Swiggy One membership

Axis Bank SELECT Credit Card

3,000 (waived on ₹6L annual spend)

20 EDGE RP/₹200 on retail/offline; 2x on groceries/movies

10,000 EDGE points (₹2K value)

SBI Prime Credit Card

2,999 (waived on ₹3L annual spend)

10 RP/₹100 on groceries, dept stores, dining

₹3,000 e-vouchers on activation

RBL Bank Shoprite Credit Card

500 (waived on ₹1.5L annual spend)

10% cashback on groceries (up to ₹500/month at supermarkets)

2,000 reward points on first spend

“I don’t believe in savings. I believe in reward points.”

 

Maximizing Benefits on Offline Shopping Rewards Cards

  • HSBC Live+: Your everyday hero for kirana or Big Bazaar runs—10% on dining/groceries caps at ₹1K but feels limitless for families. Tip: Time spends around weekends for uncapped 1.5%; auto-credit keeps it hassle-free, saving ₹6,000+ yearly on household hauls.

    HSBC Live+ Card: https://www.hsbc.co.in/credit-cards/products/live-plus/

  • HDFC Regalia Gold: Premium pick for mall marathons. Rack up 20x at beauty/electronics stores; redeem RP via SmartBuy for 1:1 vouchers. Unlock milestones like ₹5K vouchers on ₹5L spends—perfect for festive offline splurges.

    HDFC Regalia Credit Card: https://bitli.in/8vAw2RL

  • Axis Bank SELECT: Offline accelerators like 2x on movies make it a lifestyle must. Maximize with BigBasket discounts (₹500 off monthly); convert EDGE to travel miles if shopping trips follow. High spenders waive fees in months.

    Axis Bank Select Card: https://clnk.in/xOfT

  • SBI Prime: Grocery gurus rejoice—10 RP/₹100 at Reliance Retail or local chains. Pair with Club Vistara for bonus miles; redeem for e-gifts to fuel more shopping. Annual savings? Easily ₹4,000 on staples.

    SBI Prime: https://bitli.in/Xf5XrDS

  • RBL Shoprite: Budget-friendly for supermarket sweeps. Hit the ₹500 cap weekly for 10% back; ideal for low-volume offline. Waive fees with modest spends and redeem as statement credit for pure savings.

    RBL Shoprite: https://bitli.in/dkjBL5x

Remember, offline rewards often exclude wallets—swipe directly for full value!


Bonus Recommendations:

Kiwi UPI Credit Card: https://bitli.in/pDL9sfo

Best for: Supermarket & daily shopping

Benefits: Get 1.5% Cashback on eligible Scan and Pay transactions with Kiwi LTF Card, Get 2% Cashback on eligible Scan and Pay transactions with Kiwi Neon Card, 0.5% Cashback on Online Transactions (Normal Exclusions like rent, fuel etc)

AU Lit Credit Card: https://bitli.in/PsJ1FgS

Best for: Mixed spending

Benefits: 5% Instant Discount on shopping at Croma (min. spend Rs 15,000) - Offer valid once per month, 15% Off on EasyDiner (min. spend Rs 2,500 & max. discount Rs 500) - Offer valid once per month. 15% Off on Tata CliQ (min. spend Rs 500 & max. discount Rs 300) - Offer valid once per month & 15% Off on Domestic Flight & 10% Off on International Flight on Cleartrip - Offer valid once per month

Pro Tips: Gain More Points, Save Big, and Supercharge Your Shopping Game

 

“If shopping was a sport, my credit card would be a world champion.”

 

To turn these best shopping credit cards in India into profit machines:

  • Hunt Milestones: Most cards (e.g., HDFC Millennia) unlock bonuses at ₹1L+ spends—plan quarterly hauls around sales.

  • Stack Strategically: Use SBI Cashback for generic online, Swiggy HDFC for food/groceries, and HSBC Live+ as your offline default. Track via apps like Walnut to avoid overlaps.

  • Redeem Wisely: Opt for statement credits (1:1 value) over vouchers unless it's a steal. For points, aim for 1 RP = ₹1+ via travel redemptions.

  • Sale-Proof Your Wallet: Festive periods amplify rewards—e.g., 20% extra on Flipkart Axis during sales. Monitor bank offers via SMS alerts.

  • Avoid Pitfalls: Pay in full to dodge interest (45% APR avg.); use UPI links for cards like Tata Neu to blend online/offline seamlessly.

  • Build Credit: Start with lifetime-free options like Amazon Pay ICICI; consistent use boosts scores for premium upgrades.

Users who optimize report 15-25% effective savings—your turn to level up!

 

“I don’t max out my credit card…I just challenge its limits.”


Quiz Time: Discover Your Ideal Shopping Credit Card in 3 Minutes Flat

Not sure where to start? Take this quick shopping pattern to analyze your habits and pinpoint the best credit card for your shopping style in India.


Answer honestly and see the recommendation. It's like a personal shopper—for your wallet!

 

 

“Online sale at 12 AM? My credit card wakes up before I do.”

 

Final Swipe: Your Path to Shopping Supremacy Starts Now

The top credit cards for online and offline shopping in India aren't just plastic—they're your VIP pass to savings paradise. From SBI's no-fuss 5% online blitz to HSBC's grocery goldmine, pick one (or two!) that vibes with your vibe, and watch expenses flip to extras.


Got a card story or quiz result? Drop it in the comments—let's crowdsource more wins. Apply today, shop tomorrow, save forever. What's your first target purchase? 🚀

 

“My credit card and I have a toxic relationship—I swipe it, and it hurts me later.”


Disclaimer: Card terms subject to change; verify with issuers. As an expert financier, I recommend assessing your credit score before applying.


All Credit Cards:

Flipkart Axis bank: https://bitli.in/0IOsLNH


To Purchase Books and other materials on the subject:

 

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Disclaimer: Please be aware that this article was generated with the assistance of AI. It may contain affiliate links, meaning if you make a purchase through these links, the site may earn a small commission at no extra cost to you. The product recommendations provided are based on the information available at the time of generation and should be considered suggestions. It is crucial to conduct your own thorough research, read reviews, and compare products from various sources before making any purchasing decisions. Your individual needs and circumstances may vary, and the recommendations in this article may not be suitable for everyone. Exercise caution and make informed choices when buying products.

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