Unlock top rewards with the 7 Best Shopping Credit Cards in India, perfect for every savvy shopper! Apply now through GoPaisa and earn ₹2300 in exclusive rewards on sign-up!
We’re Indians, and let’s admit it, we love getting more for less!
Bargaining is practically in our DNA, and we never miss a chance to grab a discount or snag a deal. So, why settle for just the less when you can get something extra every time you shop, whether online or in-store?
That’s where shopping credit cards come in. They’re not just about spending, but about saving and rewarding every rupee you spend.
We’ve handpicked the 7 best shopping credit cards in India that make every purchase more rewarding. With exclusive perks, cashback offers, welcome bonuses, and benefits tailored for the modern-day shopper, these cards are your perfect partners in smart spending.
Keep reading to find the one that suits your shopping style best.
Best Shopping Credit Cards In India
Explore the new era of shopping, where exclusive privileges are always within reach. Shopping credit cards in India are perfectly crafted to serve the needs of avid shoppers. They have many benefits like higher reward points, cashback, and exclusive perks and discounts, mainly on retail purchases. Whether it is an e-commerce platform or an offline store, credit cards designed for shopping can lead to great savings over time.
These shopping credit cards offer great financial benefits for frequent shoppers. GoPaisa, India’s leading cashback and coupon platform, presents a curated list of the best shopping credit cards in India to enhance your online and offline shopping experience. Best of all, apply for your preferred shopping credit card through GoPaisa and earn up to ₹2,300 in GP Rewards!
List of the Best Shopping Credit Cards in India
| Shopping Credit Card in India | Joining Fee | Annual Fee | Features | Cashback Rewards |
|---|---|---|---|---|
| Cashback SBI Credit Card | ₹999 | ₹999 | – 5% cashback on online expenses – 1% cashback on offline expenses – Annual Fee waiver (spend > 2 lakh) – 1% fuel surcharge waiver | 1 – 5 % |
| Indusind Platinum Rupay Credit Card | NIL | NIL | – UPI-enabled credit card – Zero joining & annual fee – 2 reward points per Rs 100 spent – 1% fuel surcharge waiver | Rewards points |
| HDFC Millennia Credit Card | ₹1,000 | ₹1,000 | – 5% SmartBuy (Flipkart/Amazon& associated brands), – 1% others online / offline expenses | 1-5% |
| HDFC Swiggy Credit Card | ₹500 | ₹500 | – 10% Swiggy Food or Instamart orders, – 5% online transactions across top brands, – 1% other expenses | 1-10% |
| Axis Neo Credit Card | NIL | NIL | – 40% Off on Zomato (max discount Rs 120), – 5% Off utility bills, – Up to 15% instant discount on flights & hotel via Goibibo | 1% – 40% |
| IDFC First Bank Credit Card | NIL | NIL | – 25% off on movie tickets, – 3X – 10X rewards points based on transaction limits, – 1% fuel surcharge | Rewards Points |
| HSBC Platinum Credit Card | NIL | NIL | – 2 reward points on spend of Rs 150. – 5X reward points if yearly spending crosses Rs 400000 – Up to Rs 3000 fuel surcharge waiver annually | Rewards Points |
Cashback SBI Credit Card
SBI has recently launched ‘Cashback SBI Credit Card’, a shopping credit card for avid shoppers. This is the best credit card for online shopping, as it offers amazing cashback and rewards to its cardholders on all spending. You will receive 5% cashback on online transactions with no merchant restrictions and get a flat 1% cashback on offline transactions.
SBI Cashback Credit Card holders get four domestic airport lounge accesses per year at no extra cost, with one visit per quarter. Save 1% fuel surcharge nationwide, which is valid on fuel transactions from Rs. 500 to Rs. 3000. The best part, cashback rewards you earn with this SBI shopping credit card will be automatically credited to your SBI card account within 2 days of monthly statement generation. Additionally, you can use SBI cashback credit card to settle the outstanding balances from other credit cards at low-interest rates.
If you want to get the best shopping credit card for online shopping, don’t miss GoPaisa “SBI Cashback Credit Card” apply offer to avail a new credit card and earn Rs. 1400 GoPaisa rewards.
Indusind Platinum Rupay Credit card
IndusInd Platinum RuPay Credit Card is a lifetime free credit card with no joining or annual renewal fee. You can get 2 reward points for every Rs. 100 transaction on UPI payment and 1 reward point for every Rs. 100 transaction on non-UPI payment. Cardholders can redeem the reward points in different ways, including cash credit and rewards catalogue, all at the same redemption rate of IndusInd Platinum Rupay Shopping Credit Card.
Avail an additional 10% discount during sale on Amazon, Flipkart, and other e-commerce platforms when IndusInd credit card is eligible for a 10% discount. Hurry up and apply now for IndusInd Bank Platinum RuPay Credit Card with GoPaisa to get Rs. 1100 GoPaisa Rewards.
HDFC Millennia Credit Card
HDFC Millennia Credit Card is one of the best shopping cashback cards in India issued by HDFC Bank. HDFC Bank always tries to provide its cardholders with the best cashback offers. HDFC Millennia Shopping Credit Card allows you to save on almost every spend, and it is a perfect choice for those shopaholics who love to shop online or offline across several categories such as travel, movies, online shopping, fitness, and dining.
HDFC Bank Millennia Credit Card offers 5% cashback on online transactions for shopping on BookMyShow, Amazon, Flipkart, Cult.fit, Swiggy, Zomato, and other associated brands. Additionally, it provides 1% cashback rewards on all other online and offline expenses. The annual renewal fee of this cashback credit card will be waived if yearly transactions cross Rs. 100000 in a year.
If you are a high-spender who prefers to shop a lot, this shopping credit card is especially designed for you. You will get 1000 cash points as a welcome bonus. Avail GoPaisa HDFC credit card apply offer to get Rs. 1200 GP rewards and more cashback while shopping online with GoPaisa.
HDFC Swiggy Credit Card
HDFC Swiggy Credit Card is particularly created for Swiggy users who order food on Swiggy, buy groceries on Instamart, and make table reservations on Dineout. This HDFC and Swiggy co-branded credit card has an acclerated cashback rate of 10% across the Swiggy platform. Additionally, Swiggy HDFC credit card gives its cardholders 5% cashback on online expenses across platforms like Flipkart, Myntra, Amazon, Meesho, etc., and 1% cashback on offline spends.
On card activation, HDFC Bank Swiggy Credit Card offers a complimentary 3-month Swiggy One membership, 12 free gold accesses for golf lovers, and 12% instant discounts on Agoda hotel bookings. The cashback value will be directly credited and reflected in your monthly statement. The annual fee of Rs 500 will be waived if the yearly expenses cross Rs 200000.
Grab GoPaisa HDFC Swiggy Credit Card Apply Offer to avail additional GP Rewards of Rs 1100. Hurry up to avail yourself of this limited-period offer.
Axis Neo Credit Card
The Axis Bank Neo Credit Card is a lifetime free credit card, making it a smart choice for everyday shoppers. Enjoy exciting rewards on daily spends and unlock access to exclusive lifestyle privileges. One of its standout perk is a flat 40% off on Zomato, which makes Axis Neo credit card the best shopping credit cards for foodies looking to save while they indulge!
Additionally, you will get 5% off on utility bills via Paytm, 10% off on Blinkit, and 10% off on BookMyShow. You can earn an extra 10% cashback during sale season on associated platforms such as Amazon, Flipkart, Myntra, AJIO, etc.
Use the GoPaisa apply offer to get flat Rs 1200 cashback. Limited-time offer. Apply now for the Axis Neo Credit Card for shopping.
IDFC First Bank Credit Card
IDFC First Bank Credit card is a lifetime free credit card, which has zero joining and annual fees. As a welcome bonus, you will get a gift voucher of Rs 500 on a transaction of Rs 5000 within 30 days of card approval. IDFC First credit card provides 25% off on movie tickets, 1% fuel surcharge waiver, complimentary railway lounge access, and much more.
Avail 3X rewards points when your total expense of the month is under Rs 20000; if your monthly transaction crosses Rs 20000, you will get 10X rewards points. Moreover, you will get 10X rewards points on birthday spending, along with interest-free cash withdrawals from an ATM.
Apply for IDFC First Bank Credit Card with GoPaisa to get flat Rs 1000 GoPaisa rewards.
HSBC Platinum Credit Card
HSBC Visa Platinum Credit card is a lifetime free shopping credit card for salaried individuals. This HSBC visa credit card gives you rewards on every transaction, but you can get exclusive cashback rewards if your yearly expenses cross Rs 400000. You will earn 2 reward points on spending every Rs 150, and you earn 5X reward points if your total transaction exceeds Rs 400000.
Additionally, while shopping with the associated brand, you can avail ‘Buy 1 Get 1 Free’ offer on BookMyShow. 1% fuel surcharge will be waived is capped at Rs 250 every month. Hurry up and apply for HDFC Visa Platinum Credit Card with GoPaisa to avail Rs 2300 GoPaisa rewards.
How to Earn GoPaisa Rewards? – Apply for the Best Shopping Credit Cards Online
Earning GoPaisa Rewards is simple when you apply for the best shopping credit cards online through the GoPaisa platform. By following a few easy steps, you can unlock exclusive GoPaisa rewards, making your shopping credit cards journey even more rewarding. Here’s how:
- Create an account or log into GoPaisa to access all credit card offers.
- Explore a wide range of credit cards from leading banks like SBI, Axis, HDFC, IDFC and more with GoPaisa’s exclusive deals.
- Select your preferred shopping credit card and click on ‘GRAB DEAL’ button.
- Fill in the necessary details and submit the application.
- Once your application is approved and the credit card is dispatched, GoPaisa will credit your rewards to your GoPaisa account. You can then easily withdraw your earned rewards from there.
Final Words
Shopping credit cards are a smart choice for anyone who loves getting more out of every purchase. Whether it’s cashback on daily spends, discounts on food deliveries, or exclusive partner offers, these cards turn your routine shopping into rewarding experiences.
From the Cashback SBI Card to the Axis Neo, HDFC Millennia, and more, each shopping credit card we’ve featured here is designed to maximize your savings and elevate your shopping lifestyle.
But wait, the perks don’t stop there!
When you apply for any of these credit cards through GoPaisa, you’re not just accessing top-tier card benefits, you can also earn up to ₹2300 in GoPaisa rewards. So, just check the comparison table to decide which credit card for shopping is a great pick for you. Apply for the best shopping credit cards in India with GoPaisa and enjoy extra GP rewards on your card approval!
👉 Compare, choose, and apply through GoPaisa today, and start your journey toward smarter shopping and maximum rewards!
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