Best Shopping Credit Cards in India 2024

Shopping credit cards offer substantial rewards, cashback, and discounts, making them an excellent choice for those who love to shop online or in-store. By choosing the right shopping credit card, you can maximize your savings and enjoy exclusive deals at partner merchants. In this article, we’ll explore the best shopping credit cards in India for 2024, detailing their features, eligibility criteria, reviews, and ratings, as well as how you can make the most of their benefits.

Criteria for Choosing Best Shopping Credit Cards

When selecting a shopping credit card, it’s important to consider the following factors:

• Cashback and Reward Points: Look for cards that offer high cashback or reward points on shopping, particularly at your favorite stores.
• Discounts and Offers on Partner Stores: Many cards offer exclusive discounts and deals at partner merchants, which can significantly boost your savings.
• Eligibility Criteria: Ensure you meet the income and credit score requirements for the card.

Top Shopping Credit Cards in India 2024

Amazon Pay ICICI Bank Credit Card

Benefits:

• Welcome Offer: 5% cashback on Amazon.in for Prime members, 3% for non-Prime members
• Reward Points: 2% cashback on 100+ partner merchants using Amazon Pay
• Additional Perks: No joining or renewal fees, fuel surcharge waiver

Eligibility:

• Minimum annual income of ₹2.5 lakh

Review and Rating:

• Review: The Amazon Pay ICICI Bank Credit Card is an excellent option for regular Amazon shoppers, especially Prime members, due to its high cashback rates. The lack of annual fees adds to its appeal, making it a top choice for online shopping enthusiasts.
• Rating: ★★★★☆ (4.5/5)

Flipkart Axis Bank Credit Card

Benefits:

• Welcome Offer: ₹500 Flipkart voucher on first transaction
• Reward Points: 5% cashback on Flipkart and Myntra, 4% on preferred partners
• Additional Perks: 1.5% cashback on other transactions, complimentary lounge access

Eligibility:

• Minimum annual income of ₹3 lakh

Review and Rating:

• Review: The Flipkart Axis Bank Credit Card is perfect for frequent shoppers on Flipkart and Myntra. With generous cashback and additional perks like lounge access, it’s a great all-rounder for online and offline shopping.
• Rating: ★★★★☆ (4.5/5)

HDFC Millennia Credit Card

Benefits:

• Welcome Offer: 1,000 CashPoints on first transaction
• Reward Points: 5% cashback on Amazon, Flipkart, and other popular websites
• Additional Perks: 1% fuel surcharge waiver, 8 complimentary domestic lounge visits per year

Eligibility:

• Minimum annual income of ₹3 lakh

Review and Rating:

• Review: The HDFC Millennia Credit Card offers significant cashback on popular e-commerce platforms, making it ideal for online shoppers. The lounge access and fuel surcharge waiver further enhance its value.
• Rating: ★★★★☆ (4.3/5)

SBI SimplyCLICK Credit Card

Benefits:

• Welcome Offer: ₹500 Amazon voucher
• Reward Points: 10x reward points on online spends with partner merchants like Amazon, BookMyShow, etc.
• Additional Perks: Annual fee reversal on spending ₹1 lakh annually, e-vouchers worth ₹2,000 on reaching annual spends of ₹1 lakh

Eligibility:

• Minimum annual income of ₹3 lakh

Review and Rating:

• Review: A great card for online shoppers, especially with its 10x reward points on popular platforms. The fee reversal and e-voucher rewards add to its appeal for those who frequently shop online.
• Rating: ★★★★☆ (4.2/5)

Axis Bank ACE Credit Card

Benefits:

• Welcome Offer: Cashback on first transactions
• Reward Points: 5% cashback on bill payments and recharges via Google Pay, 4% on Swiggy, Zomato, and Ola
• Additional Perks: 2% cashback on all other transactions, fuel surcharge waiver

Eligibility:

• Minimum annual income of ₹2 lakh

Review and Rating:

• Review: The Axis Bank ACE Credit Card is ideal for those who use Google Pay regularly and spend on food delivery and ride-sharing apps. The flat cashback on all transactions makes it versatile and valuable.
• Rating: ★★★★☆ (4.4/5)

Citi Cashback Credit Card

Benefits:

• Welcome Offer: Cashback on movie ticket purchases
• Reward Points: 5% cashback on movie tickets, utility bill payments, and telephone bill payments
• Additional Perks: 0.5% cashback on all other spends, cashback credited automatically on reaching ₹500

Eligibility:

• Minimum annual income of ₹2.5 lakh

Review and Rating:

• Review: A solid choice for those looking to save on everyday expenses like utility bills and movie tickets. The automatic cashback credit is convenient, and the card offers consistent value.
• Rating: ★★★★☆ (4.0/5)

American Express Membership Rewards Credit Card

Benefits:

• Welcome Offer: 4,000 bonus Membership Rewards points on first transaction
• Reward Points: 1,000 bonus points on spending ₹20,000 per month for 6 months
• Additional Perks: 24×7 Platinum Assist, access to American Express Offers

Eligibility:

• Minimum annual income of ₹6 lakh

Review and Rating:

• Review: The American Express Membership Rewards Credit Card is ideal for those who can leverage its high rewards points system. The card’s premium benefits make it a great choice for high spenders who enjoy luxury perks.
• Rating: ★★★★☆ (4.3/5)

Standard Chartered DigiSmart Credit Card

Benefits:

• Welcome Offer: 20% off on Myntra purchases
• Reward Points: 10% off on Zomato, 10% cashback on Ola, 10% off on Grofers
• Additional Perks: 1-year Zomato Pro membership on achieving spends of ₹20,000 in a month

Eligibility:

• Minimum annual income of ₹2 lakh

Review and Rating:

• Review: The Standard Chartered DigiSmart Credit Card is perfect for those who frequently shop on Myntra, Zomato, and other partner platforms. Its targeted discounts offer great value for regular users of these services.
• Rating: ★★★★☆ (4.1/5)

ICICI Bank Coral Credit Card

Benefits:

• Welcome Offer: Complimentary movie tickets every month
• Reward Points: 2 PAYBACK points for every ₹100 spent
• Additional Perks: 25% discount on movie tickets, dining discounts via Culinary Treats Program

Eligibility:

• Minimum annual income of ₹2.5 lakh

Review and Rating:

• Review: A versatile card with benefits across dining, movies, and shopping. The PAYBACK points program is well-integrated across multiple brands, making this card a strong contender for everyday use.
• Rating: ★★★★☆ (4.0/5)

RBL Shoprite Credit Card

Benefits:

• Welcome Offer: 2,000 reward points on first transaction
• Reward Points: 1 reward point for every ₹100 spent, 5x points on groceries, dining, and fuel
• Additional Perks: 10% value back on groceries, annual fee waiver on spending ₹1 lakh in a year

Eligibility:

• Minimum annual income of ₹3 lakh

Review and Rating:

• Review: The RBL Shoprite Credit Card is a great choice for grocery shoppers and those who value high reward rates on everyday spending. The annual fee waiver is an added benefit for regular users.
• Rating: ★★★★☆ (4.1/5)

Comparison of Best Shopping Credit Cards in India 2024

Credit Card	Annual Fee	Reward Points/Cashback	Rating
Amazon Pay ICICI Bank Credit Card	None	2% cashback on 100+ partner merchants	★★★★☆ (4.5/5)
Flipkart Axis Bank Credit Card	₹500	5% cashback on Flipkart/Myntra, 4% on preferred partners	★★★★☆ (4.5/5)
HDFC Millennia Credit Card	₹1,000	5% cashback on Amazon, Flipkart, and other websites	★★★★☆ (4.3/5)
SBI SimplyCLICK Credit Card	₹499	10x reward points on online spends with partner merchants	★★★★☆ (4.2/5)
Axis Bank ACE Credit Card	₹499	5% cashback on Google Pay, 4% on Swiggy, Zomato, Ola	★★★★☆ (4.4/5)
Citi Cashback Credit Card	₹500	5% cashback on movie tickets, utility bills, and phone bills	★★★★☆ (4.0/5)
Amex Membership Rewards Credit Card	₹4,500	1,000 bonus points on ₹20,000 spend/month for 6 months	★★★★☆ (4.3/5)
Standard Chartered DigiSmart Credit Card	₹49/month	10% off on Zomato, 10% cashback on Ola, 10% off on Grofers	★★★★☆ (4.1/5)
ICICI Bank Coral Credit Card	₹500	2 PAYBACK points for every ₹100 spent	★★★★☆ (4.0/5)
RBL Shoprite Credit Card	₹500	5x reward points on groceries, dining, and fuel	★★★★☆ (4.1/5)

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