Best Shopping Credit Cards in India

Shopping is an integral part of everyone's life. The utility that one derives from savings on shopping bills is unparalleled. At FinTown, we spend thousands of hours researching financial products in India to help our customers make the best possible personal finance decisions. You can find below a comprehensive understanding of some of the best credit cards for online and offline shopping.

Credit Card Annual Fee APR Annual Bonus
SBI SimplyCLICK INR 499 40.2% INR 4,500
HDFC Diners Club Black Credit Card Joining Fee:  INR 10,000 Renewal Fee: INR 5,000 23.88% Up to 25,000 reward points per monthly statement
HDFC Bank Moneyback  credit card INR 500 41.88% E-voucher worth INR 500
ICICI Coral American Express Card INR 500 + GST 40.80% 10,000 PAYBACK points per year
HDFC Solitaire Credit Card INR 500 41.88% Shopping vouchers worth INR 2,000
Snapdeal HDFC Card INR 500 41.88% 500 reward points and vouchers worth INR 2,000
Standard Chartered Bank Platinum Rewards Card INR 250 41.88% INR 2700
HDFC Infinia Credit Card INR 10,000 23.88% Nil
Axis Buzz Credit Card INR 750 46.78% INR 1,000
Standard Chartered Manhattan Credit Card INR 999 41.88% INR 2,500

Best Shopping Credit Cards in India - Reviews, Features and Benefits [Explained]

SBI Simply Click Credit Card

SBI Simply Click Credit Card is the ultimate credit card when it comes to reaping benefits out of your online purchases. It covers most of the popular e-comm websites and also offers rewards on other online and offline spends. If online shopping is not something that you do very often, then this credit card is not for you.

Pros & Cons:

Reasons to Choose Reasons to Avoid
 Low Annual Fee  High interest rate
10X Rewards on online spends  No dining discounts
 5X rewards on other e-comm sites   Poor rewards for offline and Retail Spending
 Milestone spend benefit

Rewards/Benefits:

  • Welcome Offer: An amazon.in  gift card voucher as joining gift.
  • Milestone Benefit: e-voucher worth INR 2,000 each on annual online spends of INR 1 Lakh and INR 2 Lakh.
  • Rewards Programme:
    • - 10X Reward Points on online spends with exclusive partners - Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap
    • - 5X rewards on all other online spends
    • - 1 reward point per INR 100 on all other spends
  • Contactless Payments: No need to swipe; simply wave at a card reader.
  • Fuel Surcharge Waiver: 1% Fuel Surcharge Waiver for transactions between INR 500 to INR 3,000.
  • Annual Fee Reversal: Spend INR 1 Lakh  and get your annual fee waived.

Quick Figures:

Annual Fee INR 499
Annual Bonus Amazon.in voucher worth INR 500, ClearTrip Voucher worth INR 2000 each on reaching milestone spends of INR 1 Lakh and INR 2 Lakh, BookMyShow vocher worth INR 250 on applying online. Total bonus: INR 4,750
APR 40.2%
Minimum Requirements A salaried individual; should belong to credit card sourcing cities/locations of the bank.

The SBI SimplyCLICK emerges as a clear winner as far as your online spends are concerned. It is great for earning rewards. However, the reward rates is not good when it comes to offline purchases made on your card. Additionally, interest rate of SBI SimplyCLICK is on the higher side. Therefore, it is important to make your credit card payments in full.

HDFC Diners Club Black Credit Card

Recognized for its excellent rewards programme, the HDFC Diner's Club Black Programme is the best HDFC credit card for earning rewards on your spends. This credit card offers 5x rewards on all transactions, thereby, making it suitable for your shopping needs too.  Every reward point can be redeemed for Re 1 on booking flight tickets/hotels. This card offers 6 golf games per quarter and unlimited airport lounge access. Furthermore, this card also comes with an impressive insurance policy. Additionally, you get 10X rewards on all your international spends.

Pros & Cons:

Reasons to Choose Reasons to Avoid
 Great rewards and benefits High first-year membership fee and renewal fee
 Unlimited Airport Lounge Access Difficult to get
 Low Foreign Currency Mark-up Fee  Card acceptability
Golf games  (Green Fee Waiver)

Rewards/Benefits:

  • Rewards Programme:
    • - 10x Reward Points on all International Spends and Smartbuy
    • - 5X rewards on all other transactions.i.e. 5 reward points for every INR 150 spent
    • - Value of each reward point equals Re 1.  Up to 25,000 reward points a year
    • - 500 Bonus reward points as a welcome benefit on 1st international spends
  • Milestone Benefit: INR 2,000 worth Yatra vouch on reaching milestone spend of INR 1,50,000 on international spends
  • BookMyShow benefits: 3 free movie tickets on BookMyShow
  • Golf Games: 6 complimentary golf games per quarter
  • Insurance Benefit:
    • - Air accident cover of INR 2 Crore
    • - Emergency medical expenses cover of INR 50 Lakh

Quick Figures:

Annual Fee  Year 1 Fee: INR 10,000 Renewal Fee: INR 5,000
Annual Bonus 10,000 bonus points as a welcome gift 5,000 bonus points on renewal
APR 23.88%
Minimum Requirements For salaried: Net Monthly Income > INR 1.75 Lakhs per month. For self-employed: ITR > INR 21 Lakhs per annum

The HDFC Bank Diner's Club Black Credit Card gives an impressive savings of up to 33%. With this card, you earn 10X rewards on all your international spends and 5x rewards on all other spends, making this card the best credit card for earning reward points. Additionally, you can earn up to 25,000 reward points, where every reward point equals Re 1. This card also offers a good deal when it comes to dining discounts and BookMyShow offers.

HDFC Bank MoneyBack Credit Card

The HDFC MoneyBack Credit Card is known for its reward points that can be redeemed for cash easily. The most promising offer of this credit card, however, is the 2x reward points on online spends. 10 reward points can be redeemed for INR 40 for online spends.

Pros & Cons:

Reasons to Choose Reasons to Avoid
 Reward points can be redeemed for cash  No airport lounge access
 Fuel Surcharge Waiver  No golf privileges
 Zero lost card liability  No welcome bonus

Rewards/Benfits:

  • Milestone Benefit: On spending INR 50,000 in a quarter, you get an e-voucher worth  INR 500.
  • Rewards Programme:
    • - 2 reward points on every INR 150 spent (except fuel). 100 reward points = INR 20
    • - 4 reward pointson every INR 150 spent on online spends.
  • Zero Lost Card Liability: As soon as you report the loss of your credit card, you are covered against any fraudulent charges.
  • Fuel Surcharge Waiver:1% Fuel Surcharge waived off on fuel transactions, which is capped at INR 250 per billing cycle.

Quick Figures:

Annual Fee INR 500
Annual Bonus Nil
APR 41.88%
Minimum Requirements Should be a salaried employee

Despite the rewards programme it offers, the welcome benefits that it offers is not at par with the top credit cards in this segment. Nevertheless, the reward points that you earn for online spends is good enough for this card to make it to the list of best cash back credit cards in India.

ICICI Coral American Express Card:

The ICICI Bank Coral American Express Card offers maximum benefits on online spends. It offers not just complimentary domestic airport lounge visits but also complimentary railway lounge visits. Additionally, you also get minimum 15% savings on dining bills.

Pros & Cons:

Reasons to Choose Reasons to Avoid
50% more rewards on online spends Only 1 airport lounge access per quarter
1 domestic Airport Lounge Access per quarter  High interest rate
2 complimentary movie tickets every month No golf privileges
Minimum 15% savings on dining bills  Less points on offline purchases

Rewards/Benefits:

  • Milestone Benefit: 2000 PAYBACK points on spending INR 2,00,000 on your card
  • Rewards Programme:
    • - 2 PAYBACK points on every INR 100 spent on your card (except fuel)
    • - 3 PAYBACK points on every INR 100 spent on online transactions
    • - 1 PAYBACK point on every INR 100 spent on utilities and insurance categories
  • Movie benefits: 2 complimentary movie tickets every month under BUY 1 GET 1 Offer through BookMyShow where each ticket is worth INR 150.
  • Dining Benefit: Minimum 15% savings on dining bills at over 2500+ restaurants across India through the Culinary Treats Programme
  • Airport Lounge Access: 1 domestic airport lounge visit per quarter
  • Railway Lounge Access: 1 domestic railway lounge visit per quarter
  • Annual Fee Waiver: The annual fee is waived off on spending INR 1,50,000 on retail spends.

Quick Figures:

Annual Fee INR 500 + GST
Annual Bonus INR 6,000 (BookMyShow Tickets)
APR 40.80%
Minimum Requirements  A salaried employee

The ICICI Bank Coral American Express Credit offers the maximum benefits on online spends and movie tickets. However, the reward points earned on offline purchases are not the best reward points.

HDFC Bank Solitaire Credit Card

The HDFC Bank Solitaire Credit Card is targeted at female shopaholics who travel a lot. The reward points earned can be redeemed for Jet Airways Miles. Furthermore, the Solitaire credit card works for retail purchases and not online shopping. Additionally, this card also offers discounts on fuel and dining bills, making it perfect for most of your everyday needs.

Pros & Cons:

Reasons to Choose Reasons to Avoid
 Milestone benefits and Travel benefits High interest rate
 Discounts on fuel and dining spends  No welcome gift
 Rewards programme  No golf games
Fuel Surcharge Waiver

Rewards/Benefits:

  • Reward points:
    • - 3 Reward Points on INR 150 spent and 1 reward point = INR 0.20
    • - 50% more Reward Points on dining and grocery spends
  • Milestone Benefit: Cash back of more than INR 2,000 on reaching milestone spend of INR 5,00,000
  • Air Miles: Redeem reward points for Jet Airways miles
  • Fuel Surcharge Waiver: 1% Fuel Surcharge Waiver capped at INR 250 every month
  • Other Benefits: INR 1,000 Shopping vouchers on INR 75,000 spend every 6 months

Quick Figures:

Annual Fee INR 1,000
Annual Bonus INR 4,000
APR 41.88%
Minimum Requirements Should be a salaried employee or have a stable monthly income when self-employed.

The HDFC Bank Solitaire Card is one of the best credit cards in India for women who love to go shopping every now and then. This card offers not just an impressive rewards rate on shopping, but also offers 50% more rewards on grocery spends and dining bills. Furthermore, the shopping vouchers that you get every 6 months on meeting eligible spend requirements also makes this card attractive to the target group.

Bottom Line

When we compare all the credit cards mentioned above, the one that emerges as clear winner for offline shopping rewards is the HDFC Diners Club Black Credit Card. However, the SBI SimplyCLICK credit card offers the best in terms of rewards on online shopping spends.

FinTown Advantage:  We provide unbiased personal finance advice to help people make the best possible financial decisions. Our reviews and ratings of financial products are determined by customer financial wellbeing and not profiteering. Whether or not we make a penny, we do what is best for the customer. Our research team is made up of economists and market researchers who spend hundreds of hours researching and comparing products with the same mission in mind.