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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
    1. SBI SimplySave Credit Card
    2. Axis Bank Buzz Credit Card
    3. Kotak Essentia Platinum Credit Card
    4. The American Express® Gold Card
    5. Kotak Delight Credit Card
    6. Axis Bank Neo Credit Card
    7. FBB SBI STYLEUP Card
    8. HSBC Visa Platinum Credit Card
    9. Citi Cashback Card
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    We found 8 Shopping & Cashback Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    499
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    Fee Details
    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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    Fee Details
    1499
    100% PAPERLESS APPROVAL
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    Fee Details
    750
    100% PAPERLESS APPROVAL
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    Fee Details
    250
    100% PAPERLESS APPROVAL
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    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

    • Citibank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have CITI Bank credit card which was availed through online .Everything is good to me so far and using this mostly for shopping .I have this credit card for the past 2 to 3 months only .The credit limit was very less it was 60,000 only .I am really satisfied with the service so far .
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 27, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through bank .I amn using this credit card for the past 3 years ,The rate of interest and the processing fee was nominal .There is an option of converting EMI .The credit limit was average and there was discounts on shopping and the credit limit was average .
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 27, 2020
    • YES Bank Credit Card
      "Good service and issue in netbanking should intimate "
      0.5 4.0/5 "Great!"
      My YES Bank credit card limit is very less they given Rs. 15k. This is a life time free card, my salary is in this bank based on that i got this card offer. Mostly i use this card for shopping, customer service was good some times due to down time not able to use net banking but otherwise service was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 27, 2020
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have SBI FBB style up credit card which is very good to use .There are discounts on shopping will be getting 15 % to 20 % and also getting dinning offers .I am using this credit card for the past 1 month only.This was a chargeable card and if i spend 32,000 to 40,000 then the charges will be waived off .
      Was this review helpful? 0
      , mysore
      Reviewed on Jan 27, 2020
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card and the credit limit was 34,000 it was satisfied .This was a chargeable card need to pay Rs.499 on yearly .I am using this service very frequently and it is almost 1 year .I have got 4000 reward points on this card for shopping. I am using this card for fuel it is very frequently used from my end.
      Was this review helpful? 0
      , salem
      Reviewed on Jan 27, 2020
    • RBL Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I am using RBL credit card more than 1 year, which was applied through online.This is a life time free credit card and i'm getting a benefits on shopping, movie ticket and also travel benefits. Credit limit is Rs. 50K right now its okay, customer service was okay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Best service"
      0.5 4.5/5 "Excellent!"
      I have applied INDUSIND bank credit card through online. The credit limit offered form bank is sufficient. The customer support is prompt and responsive. The documentation was completed by smooth and I have uploaded through online within a week i received this card. This is a life time free card, mostly I use for shopping ,rewards points getting so i converted into shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have applied INDUSIND credit card through online and I received the card with in 15 days. I use this card for shopping and I have received some discounts. It is a life time free credit card. The credit limit offered form bank is 50K which is sufficient.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have INDUSIND Bank credit card which was chosen since got the offer. I am not getting any offer that was the issue. The credit limit was 50,000 it was less and i am using this card for the past 3months .It is used mostly for shopping and purchasing mobile .The service was much comfortable and satisfied as well .
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 27, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using HDFC BANK credit card for more than 3 years. I have a credit limit of 65K, which is sufficient. EMI conversion are available at the rate of interest around 13 to 14%. I use to get discounts and reward points on shopping and fuel refiling.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have a taken credit card from Indusind Bank, which I applied through online. I use to discounts on retail shopping and fuel refilling. I am happy with the credit limit offered from bank. EMI conversion is available but no options for balance transfer.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 27, 2020
    • Axis Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I am using Axis Bank credit card which was availed through bank.I am using this credit card for more than 3 years .There are discounts on shopping and without any difficulty this card was delivered to me .According to my experience the service was completely satisfied .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have a taken credit card from INDUSIND bank, which I applied through online. I use to get discounts on retail shopping and fuel refilling. I am happy with the credit limit offered from bank. EMI conversion is available but no options for balance transfer.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 27, 2020
    • Citibank Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I am using CITI BANK Indian oil credit card for past 8 to 9 months. I use this card mostly for fuel and get cashback on it. The credit limit offered from bank is 72K, which is sufficient. I use to get online shopping vouchers and movie tickets. The reward points plan is also good. Customer support response is good and provide solutions on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 27, 2020
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I using HDFC BANK credit card for more than 2 years. I use to get more discounts and offer on online shopping. I have a credit limit of 82K. Which is sufficient. EMI conversion are available at the rate of interest 12 to 24% which depend on the tenure. It is a annual chargeable card but it gets waived off on spend of 30K in a year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 27, 2020
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am using KOTAK credit card which was applied through bank directly. This is a life time free card and also they given a credit limit of Rs. 20k which is okay for me. I have receive a email from bank directly to apply, so i applied this card. Mostly i use this card for petrol, groceries and shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • ICICI Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      ICICI bank credit card is best and i always prefer this card because their payment interface and response is good. I am holding this card for more than 1.5 years and I have upgraded the card to coral recently. They said i get buy 1+get1 movie ticket on every month whenever i avail this offer it get exhausted and showing try again later.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • IndusInd Bank Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have applied for Indusind credit card through online and I received the card with in 15 days. I use this card for shopping and i have received some discounts. It is a life time free credit card. The credit limit offered form bank is 50K which is sufficient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • RBL Bank Credit Card
      "Very high interest"
      0.5 2.0/5 "Expected more"
      I am using RBL credit card, which was applied through online. The rate of interest was very high interest and also they given a less credit limit. Annual charges is there but i am not sure. Mostly i am using this card for shopping purpose only and also every month getting message for movie offer, but i cant able to redeemed.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 27, 2020
    • Citibank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have less credit limit in CITI BANK only of 60K which is not sufficient. I use to get discount on online shopping and rewards points. It is a annual fee chargeable card around Rs.500, if would be waived off If i spend 30K within a year. EMI conversion options are available at the rate of interest around 13% to 16%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 27, 2020
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