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  • Shopping & Cashback Credit Cards

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  • Shopping credit cards are one of the popular category of credit cards that have been widely accepted by people of different age groups. With the increasing demand for the cards, several leading banks in India started offering a wide range of shopping credit cards.

    Here are some of the top shopping credit cards offered by various banks (Updated on June 11, 2019)
    1. SBI SimplySave Credit Card
    2. Axis Bank Buzz Credit Card
    3. Kotak Essentia Platinum Credit Card
    4. Snapdeal HDFC Bank Credit Card
    5. The American Express® Gold Card
    6. Kotak Delight Credit Card
    7. Axis Bank Neo Credit Card
    8. FBB SBI STYLEUP Card
    9. HSBC Visa Platinum Credit Card
    10. Citi Cashback Card
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    We found 9 Shopping & Cashback Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
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    0
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
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    1999
    100% PAPERLESS APPROVAL
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    1499
    100% PAPERLESS APPROVAL
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    Fee Details
    500
    100% PAPERLESS APPROVAL
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    750
    100% PAPERLESS APPROVAL
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    Fee Details
    250
    100% PAPERLESS APPROVAL
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    Fee Details
    499
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    Fee Details

    Top Shopping Credit Cards in India

    The SimplySAVE credit card offered by SBI is best suited for those who conduct their day to day transactions on credit cards. By offering accelerated rewards on popular spending categories such as grocery, movies, dining, etc., the credit card offers maximum benefits.

    Features of SBI SimplySave Card
    • Earn 10 times more reward points on spends related to grocery, movies, dining and departmental stores.
    • For every Rs.100 that you spend on any other category, earn 1 reward point
    • Redeem your reward points against your credit card outstanding balance or redeem against gifts from the rewards catalogue
    • Get fuel surcharge waiver for fuel transactions valued between Rs.500 and Rs.3000 at any petrol pump across India
    • Get 2000 bonus reward points by spending Rs.2000 or more within first 60 days of receiving the card

    Kotak Delight Platinum Credit card offers privileges on various lifestyle categories such as entertainment, dining, travelling and others. The card comes with cashback offers, discounts, fee waivers and many other benefits on all the mentioned categories making it a comprehensive credit card.

    Features of Kotak Delight Platinum Credit Card
    • Earn 10% cash back on all movie and dining transactions. The cashback can be availed by spending a minimum of Rs.10,000 on categories other than entertainment and dining in one billing cycle.
    • Spend Rs.1,25,000 every 6 months and get 4 complimentary PVR movie tickets
    • Get 1.8% railway surcharge waiver for bookings done on irctc.com and 2.5% for bookings done at the Indian Railway booking counters
    • Get a waiver of 2.5% fuel surcharge on fuel transactions made at fuel stations across India

    If you wish to receive cash back on most of your credit card transactions, then the HDFC’s MoneyBack credit card is for you. The card allows the users to accumulate reward points and redeem them for cash instead of gifts and rewards.

    Features of HDFC Bank MoneyBack Card
    • Earn 2 reward points for every Rs.150 spent on the card
    • For online purchases done with the card, you earn 4 reward Points
    • Every 100 reward points can be redeemed for a cash back of Rs.20
    • Option to redeem reward points even for gifts and air miles from HDFC’s rewards catalogue
    • Fuel surcharge waiver of 1% on fuel transactions with a minimum transaction value of Rs.400

    With a zero joining fee and annual fee offer, the Visa Platinum credit card offered by HSBC provides comprehensive benefits including cashback offers, discounts on travel and dining spends, movie ticket offers, accelerated reward points on category spends, etc.

    Features of HSBC Visa Platinum Card
    • Welcome benefits include Rs.250 BookMyShow voucher and Rs.2000 Cleartrip voucher
    • Earn 3 times more reward points on all telecom, hotel and dining transactions for first 12 months
    • Earn 2 reward points on every Rs.150 spent on the card
    • For spending over Rs.50,000 in a calendar month, get a movie ticket voucher worth Rs.500
    • Fuel surcharge waiver of up to Rs.250 per calendar month for fuel transactions between Rs.400 to Rs.4000.
    • Up to 15% discounts on dining spends in major cities

    Types Of Shopping Credit Cards In India

    Shopping has been an all-time past time for most of us. Whether there is an occasion or not, we tend to shop as and when we feel like having some new stuff. Whether we shop purposefully or impulsively, we never stop doing it. And those SALE day offers and Black Friday sales make us even more exciting. What if we get such kind of deals throughout the year? It sounds little exaggerated, but with right kind of shopping tools we can make every purchase exciting.

    Cashback shopping credit cards: The name says it all. Cashback shopping credit cards will bring you back a percentage of transaction amount as cashback. The amount of cashback varies from one retailer to another. If you are loyal to one or more brands, you can search for credit cards that offer cashback on that particular brand.

    Shopping credit cards with accelerated rewards: These shopping credit cards may not bring you instant luck but would surprise you with gifts and rewards. Unlike regular purchases, spends related to shopping on a few categories like apparel, accessories, cosmetics, etc., would bring you accelerated reward points which can be exchanged for gifts, discounts and other deals as offered by your bank.

    Shopping credit cards with discount offers: Some shopping credit cards provide a year-round discount on purchases made at particular stores, either online or offline. If you frequently shop at a particular retail store, say Shoppers Stop, LifeStyle, Trends, etc., you can choose a credit card that offers discounts on spends related to that stores.

    Besides the above-listed features, shopping credit cards offer complimentary gift vouchers, e-vouchers, annual fee reversal, and other exciting offers related to shopping.

    How To Apply For Shopping Credit Cards Online?

    Applying for a shopping credit card or any credit card has become easy with the online application process. You can choose the credit card that suits your lifestyle requirements and visit the online application page to apply for the same. Mentioned below are two different channels through which you can apply for a shopping credit card online.

    airline credit cards

    Apply through bank’s website

    The first method is to apply through the respective bank’s website. As most banks are accepting credit card applications online, you can initiate your application process using the online medium. Follow the below steps to apply for a shopping credit card through a bank’s website.

    Steps to apply for a shopping credit card online
    • Visit the respective bank’s website
    • Look for your preferred shopping credit card
    • Click on the card to access detailed information about the card
    • Click on ‘Apply’ button to submit an online application for the same
    • On the online application page, fill all the required fields with accurate information, read the terms and conditions before accepting and click on ‘Submit’

    The system will generate an application reference number on successful submission of the application. The bank will take 3-4 days to review the application and if the details meet the eligibility criteria, you will receive a call informing you about further steps in the application process.

    If everything goes well, the bank will take 7-10 days to process the credit card. You can track the status of your application using the application ID through the bank’s website.

    Apply Through Bankbazaar Website

    The second and equally authorised channel to apply for a shopping credit card is through BankBazaar website. BankBazaar is a partner service provider to more than 50 banks and offers a comprehensive platform to shop for credit cards and other financial products.

    You can find shopping credit cards offered by different banks under one roof, enabling you to compare and choose the best card in the market. Further, you can apply for the same on BankBazaar website. Mentioned below are the steps to apply for a credit card through BankBazaar website.

    Steps to apply for a shopping credit card through BankBazaar
  • Visit Bankbazaar.com
  • Select ‘Credit Cards’ from the main menu
  • Find your shopping credit card from the list of credit cards
  • Check your eligibility for the card by providing some basic details such as your name, location, income details, etc.
  • If your profile is eligible for the credit card, you will be redirected to online application page. Fill all the required fields with relevant data and click on ‘Submit’
  • The system will generate an Application ID, which can be later used to track the status of your application using BankBazaar’s ‘Track Application’ facility.

    Eligibility To Apply For Shopping Credit Cards

    The basic eligibility required to apply for a shopping credit card is provided below. The eligibility guidelines may not be the same for all the banks and all the credit cards. Hence, it is recommended to check with the bank for specific eligibility details.

    • Applicant should be a citizen of India
    • Salaried or self-employed
    • Should have a decent credit history (Not applicable for first time borrowers)
    • Age of the applicant – Min. 21 years and Max. 60 years

    Documents Required To Apply For Shopping Credit Cards

    The documents required to apply for shopping credit cards are mentioned below. Again, since each bank has a different requirement, for bank specific documentation, you need to check with the bank or its website.

    • Copy of identity proof such as Aadhaar card, passport, etc.
    • Copy of address proof document such as Voter’s ID, Aadhaar, driving licence, electricity bill, passport, etc., whichever holds your current address
    • PAN card copy
    • Two months salary slips or IT Returns
    • Duly signed in application
    • 1 passport size photograph
      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Shopping & Cashback Credit Cards Reviews

    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 months before only I have taken money back credit card with HDFC bank. I got an offered from their end. It is an annual fee chargeable of 2400 rupees. The credit limit is sufficient of 42 thousands. I am not aware about an EMI option. I use for shopping and fuel purpose. Within 20 days I received a card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 15, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to provided rewards points and cash back"
      0.5 4.0/5 "Great!"
      Through SBI, I had got an offer for a credit card to apply and got one year before. It is a simply save card. The credit limit is given for 20 thousands for a low one. EMI option is applicable and charges are nominal. I use this card for shopping and fuel purposes. Based on the usage I didn't get reward points and cash back so far.
      Was this review helpful? 0
      , mysore
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The credit card limit is low in ICICI BANK and its only 20K which have been using it for past 6months. I am using the card for Amazon online purchase because they are providing 10% discounts. The annual fee is not applicable. The payment mode is easy.
      Was this review helpful? 1
      , tirupati
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Money savings card"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is good but there is no separate app for checking the details of credit card. Every time i need to login their online banking to check the statement. I do have a money back credit card and even they keep sending the discounts mails and i have used quite numbers for ordering a fuel and buying the fuel.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am having ICICI credit card for the past 8 years. Since I am holding a salary account with them they offered for the credit card and no documents submitted. It is an annual fee chargeable of 500 rupees. The credit limit is low given for 30 thousands only. EMI option is applicable and charges are nominal. I use this card for shopping and to pay for the loan. Based on the usage I get reward points.
      Was this review helpful? 1
      , erode
      Reviewed on Oct 14, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI simply save credit card for more than 4 years which was applied directly to bank. It is an annual fee chargeable of 500 rupees. The credit limit given for 54 thousands. I use this card for shopping, recharge and travel purposes. Based on the usage I get reward points and cash back. EMI option is applicable.
      Was this review helpful? 1
      , bellary
      Reviewed on Oct 14, 2019
    • Axis Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding AXIS bank Privilege card for the past one year. I got an offered from bank. Within 4 days I received a card. It is an annual fee chargeable card of 1500 rupees. The credit limit given for sufficient of 1 lakh 40 thousands. EMI option is applicable and charges are nominal. I use this card for grocery and shopping purposes based on the usage I get reward points.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 13, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      From HDFC bank I am using money back credit card for more than a year. It is an annual fee chargeable card of 500 rupees and there is an option for a waiver off. The credit limit given for 32 thousands at an initial now they enhanced to 72 thousands. EMI option applicable charges are high of 18%. I use for shopping purpose.
      Was this review helpful? 0
      , dharmapuri
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I am using SBI bank simply save credit card for more than 4 years which was processed through bank directly. It is an annual fee chargeable of 500 rupees and there is an option for a waiver off if we spend for 2 lakhs within one year. The credit limit is given for 50 thousands only. EMI option applicable charges for 18% which was high. I use this card for online shopping.
      Was this review helpful? 1
      , dharmapuri
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card through Shopping Mall.This card is a chargeable card for the past 5 months .I have got all the required details about the card process through the agent .I have got this credit card within a week time .I have not faced any drawbacks while submitting the documents.
      Was this review helpful? 1
      , kovilpatti
      Reviewed on Oct 12, 2019
    • Axis Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      One year before I had applied for a master credit card with AXIS bank. Once the verification done I received a card by 4 days. The credit limit is nominal before given for 25 thousands but now enhanced to 34 thousands. EMI option is applicable and charges are nominal. I use for shopping and fuel purposes I get reward points.
      Was this review helpful? 1
      , sivakasi
      Reviewed on Oct 12, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      From INDUSIND BANK LTD I am holding a credit card for the past 4 months before. I have applied for a card directly to them. It is a life time free credit card and the credit limit is given for 50 thousands only. EMI option is not applicable is applicable and charges are nominal. I use this card for medical and shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI bank simply credit card for more than 2 years which was process through bank directly. It is an annual fee chargeable of 500 rupees.But the credit limit was given only for 10 thousands. There is an option for EMI and charges are nominal. I use this card for shopping and fuel purposes.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "HDFC card is acceptable everywhere"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is better than other cards. I have a HDFC money back credit card so i get a rewards points whenever I'm doing the transaction or purchases those rewards points, i can easily converted into cash. There are lots of EMI conversion done from this card. If i purchase in online and converting those transaction into EMI at that time, there is no charges. Due to some personal reason, if a customer unable to make the payment on a due date, they are charging me a huge late fee and interest rate.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • YES Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I got offer call from yes bank and they provided me a prosperity rewards plus card. I got limit of Rs. 30K which is enough for me. There is no annual fee deducted for this card since its a life time free credit card. I am getting a rewards points on my purchase but i don't receive any special offers.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 11, 2019
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I got a credit card from State Bank of India which is Co-branch of KVB. I have been using Platinum card for about 3years. The annual fee is not applicable since am a staff of KVB. They have offered a limit of 75K and it wil be happy if they could do higher also. Am getting an offers for fuel filling and Amazon purchase which I never used it. Once I paid the payment delayed for one day, they have charged me highly.
      Was this review helpful? 0
      , ramanathapuram
      Reviewed on Oct 11, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Visa Platinum card for shopping, traveling and its more comfortable because am in transportation field so its easy to travel with the help of credit card. The interest rate is reasonable. The credit limit is good and enough for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 10, 2019
    • ICICI Bank Credit Card
      "Not good"
      0.5 4.0/5 "Great!"
      ICICI BANK gave me a platinum card which am using it from last one month. The card is valid till June 2022 and they are not charging annual fee. The credit limit is moderate and hoping for the better limit in future. I have used the card for general purchase like shopping and booking movie tickets. Recently, I have purchased the mobile phone and tried calling the customer care to convert the payment into EMI but the call was waiting for longer duration which am not satisfied.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 10, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In HDFC, they offered me a credit limit of Rs. 60000. I am having a times titanium credit card. They provided me a good rewards points on my purchase. Its 2 years old card and they asked me to increase the credit limit but i have denied the same. I never faced any trouble on this card.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 10, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI BANK credit card from last 2years to purchase online and shopping. There is annual fee for the first year and then they did not charge me. The credit limit is only 25K also there is an option for enhancement which am not required. There is no option for EMI conversion.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Oct 10, 2019
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