Diwali Offers for Credit Cards in 2026

How to Make the Most of Your Credit Card for Diwali 2026

Using your credit card wisely can help you maximize the benefits and value. Here are the most effective ways to do this: 

• Use multiple credit cards for all Diwali purchases (see section below for more on this). 
• Use co-branded credit cards that will offer higher reward points or cashbacks for specific categories. 
• Make sure you keep track of your credit card spends so that you don't exceed your credit utilisation ratio.

Diwali Offers for Credit Cards

SBI Diwali Credit Card Offer

The SBI Diwali offers ‘Khushiyan Unlimited’ are as follows:    

1. Make use of your SBI credit card at Apple to get up to Rs.6,000 off on EMI transactions when buying your beloved gadgets. This offer is available till 27 December 2025. Make sure to make your purchases before the festive season concludes. 

1. Get up to Rs.15,000 off at HP on EMI transactions when paying with your SBI credit card. This special deal is available until 31 October 2025.  

1. Get Rs.2,500 back on a spending of over Rs.50,000 at Malabar Gold by paying with your SBI credit card. This offer is available till 19 October 2025 and is a great way to add a little sparkle to your Diwali festivities. 

1. Use your SBI credit card at Smart Bazaar and you can receive Rs.4,000 off instantly during a purchase of more than Rs.80,000. This offer is available till 23 October 2025, so stock up on your festive items with ease. 

1. Save up to 25% on selected products at Godrej using your SBI credit card, up to Rs.12,000. This offer is valid till 31 December 2025. 

1. Using your SBI credit card at EasyBuy will give you up to 15% off instantly, up to Rs.15,000. This offer is valid till 31 December 2025, making it ideal to upgrade your home or personal gadgets. 

1. You can save up to Rs.20,000 on EMI transactions at Nothing when you use your SBI credit card. This offer is available till 31 October 2025. 

1. Save up to 27.5% on consumer durables at Samsung CD, up to a maximum of Rs.55,000 when you use your SBI credit card.  This offer is valid till 31 October 2025, giving you a great opportunity to make use of your festive shopping budget.  

1. Use your SBI credit card with Oppo and get up to Rs.10,000 on smartphones and accessories using EMI transactions. This offer is valid until 31 October 2025 and makes it more affordable for you to get your latest tech without breaking the bank. 

1. Sony is offering up to 10% off on EMI transactions, up to Rs.27,500 when using your SBI credit card until 31 October 2025.  

1. You can save up to Rs.5,000 at Urban Ladder when you spend above Rs.15,000 with your SBI credit card till 31 October 2025.   

1. Use your SBI credit card at LensKart before 31 October 2025 to get 5% off till a maximum of Rs.1,500 when you spend above Rs.3,000.  

HDFC Diwali Credit Card Offer

The HDFC Diwali offers ‘Festive Treats Programme’ are given below: 

1. With your HDFC Bank credit card, you can receive cash back of up to Rs.15,000 on Samsung phones, tablets, and wearables bought online.   

1. Use your HDFC Bank credit card to get an instant cash back of up to 15% when you use EASYEMI on Eureka Forbes products up to Rs.3,000.   

1. If you are ready to step up your music game this Diwali, use your HDFC Bank credit card and you will get cash back up to Rs.1,900 on select Marshall speaker models using EASYEMI.   

1. Use your HDFC Bank credit card to receive cash back of up to Rs.5,000 at Nikon on select cameras and accessories. 

1. With your HDFC Bank credit card, experience 5% cash back up to Rs.10,000 at Canon on select products with EASYEMI.  

1. Use your HDFC Bank credit to receive cash back up to Rs.15,000 with instant cash back at HP.  

1. Use your HDFC Credit Card to shop for electronics at ACER to get a discount up to Rs.10,000.  

1. Purchase at Croma online to get up to Rs.5,000 off on buying electronics on or before 31 October 2025. 

1. Get up to 7.5% instant discount at Pothys online with your HDFC Bank credit card. This offer is valid till 31 October 2025, which is a great time to make your festive clothing purchases.  

1. Avail cashback up to Rs.5,000 at GRT Jewellers online with HDFC Bank credit card. This offer is valid until 31 October 2025 so you can enjoy sparkling jewellery for the Diwali festival for less.  

1. Get up to Rs.5,000 off at Pothys Swarnamahal online with your HDFC Bank credit card. This offer is valid till 31 October 2025. 

ICICI Diwali Credit Card Offer

The following are the Diwali offers on credit cards from ICICI Bank:   

1. As an ICICI Credit Card holder, you can take advantage of the iPhone for Life EMI plan and upgrade to the iPhone 16, paying just 75% for the device. This offer will end on 27 December 2025.  

1. ICICI Credit Card holders can avail a discount up to 12% on flight bookings via MakeMyTrip. Offer valid until 27 October 2025.  

1. Croma offers ICICI Credit Card holders a Thursday exclusive discount of Rs.2,000 on electronic items. The promotion will last until 31 October 2025.  

1. Book your next trip with EaseMyTrip using your ICICI Credit Card and save up to 15%. The offer is valid until 31 October 2025.  

1. Exclusively for ICICI Credit Card holders, get the fashion you want from Spykar for a special rate. This promotion lasts until the end of 2025.  

1. Travel in Style and save more on your travel bookings with ICICI Credit Card, receiving 10% off your travel expense.   

1. Add new pieces to your jewelry collection from Surat Diamond with a 20% discount for ICICI credit card holders.  

1. Enjoy the wellness offer, giving you up to 15% off on wellness services with your ICICI credit card.  

1. Travel with Malaysia Airlines and receive up to 15% off your booking with an ICICI Credit Card. Book before 20 November 2025.  

1. Enjoy shopping for Fashion & Apparel on Flipkart and receive an instant 7.5% discount with your ICICI Credit Card. This offer is available until 31 December 2025.  

1. Book your next stay with WelcomHeritage Hotels and receive an instant flat 15% discount with ICICI Credit Card. Offer valid until 28 February 2026. 

1. Enjoy dining at District by Zomato and get an additional Rs.300 off your final bill for using ICICI Credit Card. Offer valid until 29 November 2025. 

HSBC Diwali Credit Card Offer

The HSBC Diwali offers ‘Festive Swipe with HSBC Credit Cards’ are as follows: 

1. Make your purchases at Nykaa Retail and get Rs.1,000 off with a minimum spend of Rs.7,000 when you pay with your HSBC credit card. Offer is valid till 31 October 2025.  

1. Get up to Rs.3,000 off on purchases made at Shoppers Stop outlets using your HSBC credit card. Offer is valid till 31 October 2025.  

1. Shop at Reliance Brands Limited and get a discount of up to Rs.10,000 using your HSBC credit card. Offer is valid till 31 October 2025.  

1. Get up to Rs.7,500 off on selected appliances and electronic gadgets when you use the HSBC credit card at Vijay Sales. Offer is valid till 31 October 2025.  

1. Earn up to 10X reward points on purchases made at Dyson, when paying with your HSBC credit card. Offer is valid till 31 October 2025.  

1. Avail up to Rs.7,500 off on selected gadgets and appliances, when you pay using the HSBC credit card at Croma. Offer is valid till 31 October 2025.  

1. Get discounts of up to 35% on a wide range of Samsung electronics, including mobiles, home appliances, accessories, and much more, using the HSBC credit card. Offer is valid till 31 December 2025.  

1. Discounts up to Rs.27,500 off any eligible Sony products, when the purchase is made with the HSBC credit card. Offer is valid till 31 October 2025. 

1. Save as much as Rs.10,000 on select products from Bosch when you use your HSBC credit card. The offer is valid until October 31, 2025. 

1. Get a10% discount from Nespresso (both online and offline) of up to Rs.1,000 when you use your HSBC credit card as a method of payment. The offer is valid until November 30, 2025. 

1. You can save up to Rs.12,000 on Emirates flights when paying with your HSBC credit card using promo code INHSBC1. The offer is valid until October 19, 2025. 

1. Save as much as Rs.40,000 on holiday bookings and also get up to Rs.15% off when you book hotels and flights when using your HSBC credit card from MakeMyTrip. The offer is valid until October 31, 2025. 

1. Get up to Rs.15% off booking hotels and flights domestically and internationally when using your HSBC credit card from Goibibo when using your HSBC credit card. The offer is valid until October 31, 2025. 

1. Discounts as much as Rs.10,000 on flights and hotels from Yatra when using your HSBC credit card using promo code YATRAHSBC. The offer is valid until October 31, 2025. 

1. Get up to Rs.5,000 off on domestic and international flights when using your HSBC credit card on Paytm Flights. The offer is valid until October 31, 2025. 

1. 10% off live events when using your HSBC credit card on BookMyShow Lounge as well as buy-one-get-one-free on Saturday movies. The offer is valid until October 31, 2025. 

1. Receive an immediate discount of up to 30% at EazyDiner when dining at selected restaurants using your HSBC Premier or TravelOne Credit Cards. This offer is valid until 31 October 2025. 

1. Enjoy a flat discount of 10% on your food orders, and up to Rs.125 off from Swiggy Instamart, when using HSBC Credit cards. This offer is valid until 31 October 2025. 

Benefits of Using Multiple Credit Cards for Diwali Spends 

If you have more than one credit card, make sure to spread out your spends across all of them. There are various benefits for this:

1. The reward points or discounts offered on each card can be different for different categories. For example, if you're driving down to your native place, use the credit card that offers maximum points on fuel purchases. If you're spending on entertainment to treat your family to a Diwali movie, use a card that offers discounts or freebies for such spends. This will help you get more value for your money.
2. Using multiple credit cards also helps to make sure you don’t overspend on just one and keeps your Credit Utilisation Ratio within limits (below 30% is what financial experts suggest).
3. It helps you get different interest-free periods on different purchases, which makes it easier to manage your budget in the long run.

Diwali Celebrations with Credit Cards

With the wise use of credit cards, you can enjoy Diwali with even more grandeur, showering your loved ones with gifts that light up their faces while making your own wish list a reality. You can find out all about the latest Diwali 2025 credit card offers by various banks, whether standalone co-branded cards, right here on BankBazaar.

Top 5 Benefits of Using Credit Cards for Diwali Spends

When used responsibly, there are multiple benefits to using your credit card for Diwali purchases. Here are the top 5 benefits: 

• More value for money: Credit cards offer generous reward points, cashbacks, and discounts during the Diwali season. These can help you save money in the long run no matter how much you spend at present. 
• Interest-free purchases: Zero-interest EMI payment options offered by credit cards make it easier to indulge in those big-ticket purchases while making it more convenient to pay it back in instalments but without incurring additional interest. 
• Exclusive discounts on co-branded credit cards: E-commerce platforms and retail outlets tie up with banks to offer exclusive deals on their co-branded credit cards during the festive season. 
• More convenience: You can buy what you want in a convenient and stress-free manner without worrying about having enough cash on hand. 
• Enhance your credit score: Paying your credit card bills within the interest-free payment period helps to maintain and boost your credit score/credit profile, so the more you spend on your credit card during Diwali, the more it can enhance your credit score (as long as you pay your bills on time!). Having a high credit score not only makes it easier to get better interest rates on loans but also makes it more likely to get a higher credit limit.