When it comes to shopping, everyone loves a good deal. In India, using the right credit card can help you save big on your purchases, whether it’s groceries, clothing, electronics, or online shopping. But with so many credit cards available, how do you choose the best one to maximize your savings?
In this blog post, we’ll guide you through the best credit cards in India that offer great rewards, cashback, and discounts tailored for shoppers. Whether you’re a frequent online shopper or love exploring deals at your favorite stores, these credit cards can help you save more and make every shopping trip more rewarding. Let’s dive in and find out which card suits your shopping needs the best!
SBI Cashback Credit Card
5% Cashback on Online spends and 1% Cashback on Offline Spends
Cashback is capped at Rs 5000 per month combined for both Online & Offline spends
Annual fee waiver on annual spends of Rs 2,00,000 or more
1% Fuel Surcharge waiver upto Rs 100 / statement cycle on transaction between Rs 500 to Rs 3000
Add on Cards for your parents, spouse, children or siblings above the age of 18
Eligibility Criteria
Employment status: Salaried or Self-Employed
Income: Rs 30,000 per month
Required Age: 21-60 years
Credit Score – 650+
New to credit – Only for Salaried
Credit Card holders are preferred
No delay payments in last 12 months
Apply Now
HDFC Moneyback Plus Card
2X Reward Points
Zero Lost card liability
Exclusive Dining Privileges
500 Cash Points (applicable only on payment of membership fee)
Spend ₹50,000 and above in the first year and get renewal membership fee waived off
Eligibility Criteria
Salaried: Indian nationality. Age: Min 21 yrs. & Max 60 Yrs.,
Income: Net Monthly Income> ₹20,000
Self Employed: Indian nationality. Age: Min 21 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum
Apply Now
Axis Neo Credit Card – Lifetime Free
Lifetime FREE Credit Card
Get 40% Off on Zomato – 2 times a month
10% Off on Myntra everytime
5% Off on Utility Bill payments via Amazon pay.- once per month
10% Off on Blinkit (Max Discount Rs 250)
10% Off on BookMyShow (Max discount – Rs 100) – valid once a month
Get 1 Edge reward point on every Rs 200 spent ( 1 RP = Rs 0.20)
Upto 15% Off at partner restaurants under Dinning Delights program via EazyDiner
Get zero lost card liability waivers on fraudulent transactions and Credit Card loss, upon prompt reporting
Eligibility Criteria
Employment status: Salaried or Self-Employed
Income: Rs 21,000 per month (Salaried), Rs 30,000 per month (self-employed)
Required Age: 21-60 years
Apply Now
IndusInd Legend Credit Card – Lifetime Free Credit Card
Lifetime Free Credit Card | No Joining or Annual Fees
Earn 2 Reward Points on purchase of Rs 100 (1 Reward Point = Rs 0.75)
Buy 1 Get 1 Free on BookMyShow – 3 Free tickets every month
Instant Discount on Swiggy, EazyDinner & more brands
8 Complimentary Lounge Access (International & Domestic)
Earn 4,000 bonus Reward Points on spending Rs 6,00,000 or more within one year from the date of issue of your credit card
Eligibility Criteria
Income group: Rs 80,000 for Salaried and Rs 1,00,000 for Self-Employed
Age group: 21-65 years
Credit Score: 650+
No Delayed Payments in the last 12 months
Existing Home or Auto Loan
Existing active credit card with a limit of more than Rs 50,000 of any bank
Apply Now
ICICI Bank Credit Card
Lifetime FREE – Select Variants of ICICI Bank Credit Card are offered without any joining or Annual Fee
Discount on Online Sales – With ICICI Credit Card, you can avail great discount offers on Amazon/Flipkart Sales
Earn 2 Reward Points on every Rs 100 spent for all retail purchases except fuel
Get 1 Reward Point on every Rs 100 spent on utilities and insurance categories
Eligibility Criteria
Age group: 21-65 years
Employment status: Salaried or Self-Employed
Minimum Income: Rs 50,000 per month (Both Salaried and Self-Employed)
Credit score: 750+
You should be citizen of India or a Non-Resident Indian
Apply Now
