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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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    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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    Fee Details
    1999
    100% PAPERLESS APPROVAL
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    Fee Details
    1499
    100% PAPERLESS APPROVAL
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    Fee Details
    500
    100% PAPERLESS APPROVAL
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    Fee Details
    750
    100% PAPERLESS APPROVAL
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    Think about
    Fee Details
    250
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    499
    What you'll love
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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

    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given for 75 thousands which was low because I was expecting more than a one lakh. EMI option is applicable. I have been using this card for shopping, fuel and restaurant purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank
      IndusInd Bank Credit Card
      "Very Good to use"
      0.5 5.0/5 "Blown Away!"
      They have given me a nice offers and the rewards points will be nice when I'm getting in a shopping. I have got the credit limit of Rs. 1 lakhs. There is a annual fee of Rs. 3000 but i can pay this by using the rewards points. I have got the first month bill and i have to pay on 24th of this month. The statement is clear to understand.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Indus ind credit card offered with a life time free card through an online on two months before. The verification process was good. On time I received a call from their end. The credit limit is sufficient of 1 lakh and 33 thousands. Within 7 days I received a card. EMI option is applicable. I use for shopping purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Need to provide an EMI option"
      0.5 2.0/5 "Expected more"
      Through an online I have applied for a credit card with INDUSIND bank on two months before. While applying for a card I got a detail like facility of buy one movie ticket and get one free. But once I received a card it was not applicable for the ticket offer. It is a life time free credit card. The limit given for one lakh.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      From HDFC bank I am holding a credit card for more than 1 year. It is a life time free credit card and the credit limit is sufficient to use for the card. EMI option is applicable and charges are nominal I use for online shopping and restaurants purpose.
      Was this review helpful? 0
      , tezpur
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      Indusind card is giving for some offers and i bought the card for purchases. When i do a purchase, i get some points and i use the card for just 1 month. They have dispatched the card in 1 week and there is no difficulties in using the card. The given credit limit is sufficient for me. They are not sending any offer mails.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Need to be decrease interest charges"
      0.5 3.0/5 "Satisfactory"
      Through SBI, I got a credit card offer and applied through bank directly. It is FBB card in which rate of interest was high. It is an annual fee chargeable of 499 plus GST. There was no option for EMI. I use this card for shopping and IRCTC purpose avail within it. So for travel purposes good to book the tickets and get discounts up to 5%.
      Was this review helpful? 0
      , daman
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It is a life time free credit card with HDFC bank. I am holding this card for more than 3 years which was processed through bank directly. There is no EMI option for this card. It is a RUPAY card. I use for shopping purpose based on the usage I have not get points yet.
      Was this review helpful? 0
      , daman
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      I thought of different card with Indusind Bank Ltd which is having buy one get one movie ticket offer but unfortunately different card has been received which got only higher credit limit also it has complimentary pass. Mainly I have been looking for one plus one offer on movie bookings. There is no annual fee.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Card is Good"
      0.5 5.0/5 "Blown Away!"
      I got the offer from Indusind bank when i apply in online about credit card. Benefits are nothing but they have just given me a card with good credit limit of Rs. 1 lakh. There is no EMI facility of converting my purchase into EMI. Documentation was good and they dispatched the card in 7 days.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 17, 2019
    • Axis Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      For the past one year I am having MY ZONE credit which was applied with AXIS bank directly. It is an annual fee chargeable of 499 rupees for this card. The credit limit is okay. There is an option for EMI as well charges are nominal. I use this card for shopping purposes.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good card to hold"
      0.5 5.0/5 "Blown Away!"
      I got a Money back credit card from HDFC BANK and its been 4 years. The best thing is, I get extra points and reward points for the purchases which I make it online also there is waiver off surcharges on Fuel apart from that I am getting voucher of 500rupees on every six months which can be utilized for booking movie tickets and online purchase. There is no maintenance fee as well.
      Was this review helpful? 0
      , hosur
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken INDUSIND bank credit card for more than 2 months ago. Not aware whether it is a life time free or chargeable card. The credit limit is enough to use. EMI option is applicable. I use for shopping purpose. The reason for chosen this card for good reward points and interest is good. Friend has suggest about this card. There is no unwanted charges for any purposes.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI Platinum credit card approximately 2years back. They have charged me one time Rs.500 rupees as yearly fee. The credit limit is average, they should increase the limit. I use the card for multi purpose and the offers are good for online purchase.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 16, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC BANK credit card from last 3years. They were providing 5 to 10% discounts for online purchase on e-commerce sites. The customer service is average. They were provided me a life time free credit card. The credit limit is same and not increasing frequently.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 16, 2019
    • 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 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? 1
      , 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? 2
      , erode
      Reviewed on Oct 14, 2019
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