Best Credit Card for Shopping 2023

Select > Card Genie > Cards by Privilege > Shopping

Best Shopping Credit Cards in India 2023

đź‘Š Genie knows no Compromises!

Select has got a card that suits your style. Check out these best picks for Shopping Credit Cards.

Genie found 9 cards for you

Axis Bank Neo (4.5) Full Details

Regular
Best For : Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹250

Annual Fee

₹250

Annual Percentage Rate

52.86%

Protection against any fraudulent use of the card

Note: Report the loss at customer care immediately at 18605005555 or 18604195555.

  • 1 EDGE reward point on every â‚ą200 spent via Axis Bank Neo Credit Card. To redeem points, check the EDGE rewards catalogue.
  • Reward Rate: 0.1%

10% off on Myntra every time you shop on minimum purchase of â‚ą500.

Facility to convert purchases into EMIs through mobile app, internet banking or customer service.

Note: This is valid for any transaction over â‚ą2500.

  • Amazon gift voucher worth â‚ą250.
  • Zomato voucher worth â‚ą200.
  • Blinkit voucher worth â‚ą250.
  • Pharmeasy 6 months subscription.

Note: Eligible customers will receive the voucher code via SMS on a registered mobile number within 45-60 days of 1st spend.

  • 10% off on Blinkit - upto â‚ą250 off on minimum spend of â‚ą750, valid once per month.
  • 5% off on mobile recharges/ broadband payment/DTH recharge done through Amazon Pay, valid once per month.
  • 15% off on dining at partner restaurants.
  • Dining Delights Program via EazyDiner.
  • 40% off on food delivery at  Zomato.

Note: Minimum Order Value â‚ą1500

IndianOil Axis Bank (4.5) Full Details

Co-Branded
Best For : Fuel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%

100% cashback up to â‚ą250 on all fuel transactions.

Note: This is a one-time offer and valid only for the first 30 days of card issuance.

1% value back on online shopping by earning 5 reward points per â‚ą100 spent.

Note: Transact at online merchants between â‚ą100 and â‚ą5000 to avail of the order.

Instant discount of up to 10% on movie ticket booking via the BookMyShow app or website.

Fuel surcharge waiver of 1% at any fuel outlet in India.

Note: The offer is available for transactions between â‚ą200 and â‚ą5000. Maximum waiver of â‚ą50 per statement cycle.

  • 20 Reward Points on every â‚ą100 spent at IOCL fuel outlets.
  • 5 Reward Points on every â‚ą100 spent on online shopping.
  • 1 EDGE Point per â‚ą100 on all other spends with the card.
  • Reward Rate: 0.2% to 4%

Get up to 15% discount at the partner restaurants in India.

Note: Capped to â‚ą500.

Axis Bank MyZone (4.5) Full Details

Regular
Best For : Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%
  • Buy One Get One Free on movie tickets
    • Get 100% discount on the second movie ticket at Paytm Movies with your MY ZONE Credit Card
    • Maximum discount in a calendar month per customer is limited to â‚ą200.
    • Use coupon code AXIS200 to avail the benefit
    • No reward points are earned on movie transactions
  • SonyLiv Membership worth ₹999 on first spend within first 30 days of issuance.
  • 1% fuel surcharge waiver for fuel transactions made at any fuel station in India.
  • The exemption applies to card purchases between â‚ą400 and â‚ą4,000. The maximum fee waiver for each billing cycle is â‚ą400.
  • 4 EDGE reward points on every â‚ą200 spent.
  • Reward Rate- 0.4%

Convert your transactions of â‚ą2,500 and above into EMIs

One Complimentary lounge access per quarter within India.

  • 40% off on food delivery on Swiggy with a cap of â‚ą120 per order at a minimum spend of â‚ą200, applicable 4 times a month.
  • Dining Delights with Eazy Diner
    • 15% off up to ₹500
    • Minimum Order Value ₹1500
    • Valid twice per card per month

₹1000 off at AJIO on a minimum spend of ₹2999, using coupon code AJIOAXISMZ.

Standard Chartered Digi Smart (4.4) Full Details

Cashback
Best For : Shopping
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹49

Annual Fee

₹49

Annual Percentage Rate

45%
  • 20% off on domestic flight bookings with Yatra.com with a max discount of â‚ą750.
  • 10% discount on international flight bookings with a max discount of â‚ą10,000.
  • Up to 25% off domestic hotel bookings with a maximum discount of â‚ą4,000. Offer valid for 1 transaction per category in a quarter calendar. Use promo code DIGISMART.
  • 15% cashback on cab booking with Ola with a max discount of â‚ą600 per month.

BOGO offer on movie ticket bookings at INOX with a max discount of â‚ą200 per transaction. Offer valid on Saturdays & Sundays only and can be used for a max of 2 transactions per month.

Avail the EMI facility on transactions above â‚ą2,000, which can be accessed through the internet or mobile banking.

Up to 10% off on food orders with Zomato with a max discount of â‚ą150 per transaction. There is no limit on the minimum purchase amount, and the offer is valid on 5 transactions per calendar month.

  • 20% off at Myntra with no minimum spend. Valid on 1 transaction per month up to a maximum discount of â‚ą700.
  • Enter promo code DIGISMART and get 10% off on Grofers with no minimum spend. This offer is valid for five transactions per month, with a monthly discount maximum of â‚ą1,000. 

Myntra Kotak (4.3) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

44.4%
  • 5% Cashback on Swiggy, Swiggy Instamart, PVR, Clear Trip and Urban Company.
  • 1.25% cashback on other spends.
  • Cashback is capped at â‚ą1000 per month. 
  • Cashback rate: Up to 7.5%

1 free domestic lounge access every quarter. For list of lounges click here.

  • Free movie tickets worth ₹250 each on spending ₹50000 every quarter.
  • Spend ₹2,00,000 annually and get annual fee waived off.

1% fuel surcharge waiver up to ₹300 per month.

  • Instant 7.5% cashback on Myntra capped at â‚ą750 per transaction.
  •   Free Myntra Insider program membership.
  • Myntra voucher worth â‚ą500 on card activation.
  • Additional ₹500 voucher on first transaction of ₹500 or more.

Flipkart Axis Bank (4.2) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%

1% fuel surcharge waiver for transactions worth â‚ą400 to â‚ą4,000 (maximum waiver of â‚ą400 in a month).

  • 5% cashback on Flipkart.
  • 4% cashback on PVR, Uber, Swiggy, Cleartrip, Cult.fit, Tata Play.
  • 1.5% cashback on Myntra and all other categories.
  • The cashback is credited to the credit card statement directly.

4 complimentary domestic lounge visits every year.

All major purchases above ₹2500 can be converted into EMI after the purchase at a low rate of interest.

  • 5% cashback on Flipkart.
  • 4% cashback on Preferred Merchants.

Up to 15% discount at 10,000+ partner restaurants with EazyDiner.

  • â‚ą500 Flipkart voucher on first transaction.
  • 50% instant discount up to â‚ą100 on Swiggy.

IDFC FIRST SWYP (4.2) Full Details

Lifestyle
Best For : Lifetsyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

NA
  • Discount of 20% up to â‚ą80 on orders above â‚ą299 on Domino's valid 2 times in a month
  • Discount of 10% up to â‚ą100 on orders above â‚ą299 via Zomato

10% off on flights or hotels up to â‚ą500 on transaction value above â‚ą5,000, valid once per quarter via EaseMyTrip

25% discount up to â‚ą100 on the purchase of movie tickets on the Paytm Mobile App. The offer can be availed once a month.

 4 free railway lounge access in a calendar quarter to participating lounges in India

Fuel surcharge waiver of 1% at all fuel stations across India, up to â‚ą200/month. Applicable only on transaction values between â‚ą200 & â‚ą5,000.

  • 200 Reward Points on spending â‚ą5,000 monthly
  • 500 Reward Points on monthly spend of ₹10,000
  • 1,000 Reward Points on monthly spend of ₹15,000
  • Reward Rate: 1% to 1.6%

10% instant discount up to â‚ą100 on purchases over â‚ą999 in TataCliQ, valid once per month

  • 1,000 Reward Points on 1st successful EMI transaction within the first 30 days from card issuance
  • 1-year Times Prime Membership on spending of a minimum â‚ą30,000 or more within the first 90 days of credit card issuance
  • Free Lenskart Gold Membership for 1 year on payment of joining fee

Citi Bank Cashback (4) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹ 500

Annual Fee

₹ 500

Annual Percentage Rate

45%

 20% instant savings up to ₹1000 on a minimum transaction of ₹4000 on eating out through the EazyDiner Mobile App and Website.

Various discounts and offers available with partnered retailers across categories like fashion, lifestyle, health etc.

No liability of the cardholder in case of fraudulent transactions done using this credit card if the loss or theft of the card is reported to the bank within the prescribed time period.

  • 5% cashback on movie ticket purchases.
  • 5% cashback on telephone bill payments.
  • 5% cashback on utility bill payments.
  • 0.5% cashback on all other spends.
  • 5% cashback on a monthly spend of â‚ą4000, capped to â‚ą100 per month per category.

IndianOil Citi Bank (3.7) Full Details

Co-Branded
Best For : Fuel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 1

Joining Fee

₹1,000

Annual Fee

₹1,000

Annual Percentage Rate

45%
  • 1% fuel surcharge reversal on fuel purchase.
  • 4 points on every â‚ą150 spent on fuel purchases.
  • Reward Rate: 1.3% to 2.6%

Note: Fuel benefits can be availed only at selected Indian Oil Outlets.

Up to 20% off on selected partner restaurants.

250 points on the first spend within 30 days of card issuance.

Ease of converting significant purchases into easy EMI.

  • Annual Fee waived on the spending of â‚ą30,000 or more.
  • Instant loans can be availed against this credit card.
  • 2 points per â‚ą150 spent on groceries and supermarkets.
  • 1 point per â‚ą150 spent on all other expenses besides fuel.

Note: Points at groceries & supermarkets are capped at worth â‚ą5,000 per statement cycle.

Get assistance from a travel & lifestyle specialist to create a customised travel plan.

Frequently Asked Questions

Using a shopping credit card will be highly advantageous for your overall credit health if you adhere to your spending restrictions and make timely EMI payments. You will use credit more frequently as a result, and if you pay all of your bills on time, your creditworthiness will rise.

The benefits of a shopping credit card include the following: 

  • Cashback on your Purchase.

  • a partner brand discount.

  • Milestone Gift Certificates.

  • Online purchases earn bonus points.

  • Added Perks and Rewards.

If you spend a lot of money shopping, you might think about getting specialised shopping credit cards because they offer more reward points for shopping than standard credit cards. In addition to the already existing discounts at partner merchant outlets, shopping credit cards also offer increased reductions.

Reward points are automatically earned when you use your credit card. To earn these points, the cardholder does not need to take any further actions. You receive reward points each time your card is used to make a purchase. Generally, the cardholder receives one point for every Rs 100 to Rs 250 charged on the credit card.

You can access your credit card company's online banking system. To log in, enter your User ID and Password. You can choose from a number of incentive redemption choices, including gift cards, products, and cash credit (if applicable). Choose the item you want to purchase with your points, then place your order. The code will be delivered to your registered email address and cellphone number if you have selected a coupon. The item will be sent to your address in the case of merchandise.

Your available credit grows as you pay down your amount, and you are then able to charge more purchases up to your credit limit. The sole distinction is that a shop card often can only be used at the particular store, but a credit card can be used elsewhere.