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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
    Pros
    Documents
    Nitty Gritty
    Fee Details
    0
    100% PAPERLESS APPROVAL
    Pros
    Documents
    Nitty Gritty
    Fee Details
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
    Pros
    Documents
    Nitty Gritty
    Fee Details
    1999
    100% PAPERLESS APPROVAL
    Pros
    Documents
    Nitty Gritty
    Cons
    Fee Details
    1499
    100% PAPERLESS APPROVAL
    Pros
    Documents
    Nitty Gritty
    Cons
    Fee Details
    750
    100% PAPERLESS APPROVAL
    Pros
    Documents
    Nitty Gritty
    Cons
    Fee Details
    250
    100% PAPERLESS APPROVAL
    Pros
    Documents
    Nitty Gritty
    Fee Details
    499
    Pros
    Documents
    Nitty Gritty
    Cons
    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

    • SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Mar 21, 2020
    • ICICI Bank
      ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Am having ICICI credit card for two years, I feel good and have not face any issues. The best part about the card is its a life time free card. I used to get my card statement on time. I used this card for shopping, groceries and for many other personal purposes.I am using the bank mobile app which function smooth and simple.
      Was this review helpful? 5
      , faridabad
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit "
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
      Was this review helpful? 4
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
      Was this review helpful? 4
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got a life time free card offer from INDUSIND bank hence applied through online on three months back. I received the call on time and the process was done on smooth. I got the card on exact time frame. The credit limit is sufficient and they provided good offers and benefit as well.I use this card for shopping and travel purpose.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
      Was this review helpful? 7
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 5
      , ranchi
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 3-4 years. It is a very convenience card, there is possibility of increasing my credit score. The credit limit is Rs.37000 which was not up to the mark, this card have more offers if i'd do online shopping through flipkart .This a chargeable card with an amount of 499 along with GST. I do my credit card bill payment through online.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was only one month that i got the credit card with SBI. But it was nice because I used to get many offers sms. I used this card for shopping, fuel, ticket and for others purposes also. The bank agent came and collected the documents, the limit of the card is Rs.54000. This is a chargeable card, it cost 500 rupees per year.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card for the last 4 years. The service is good and have not face any issues.The credit limit is sufficient, it was for 85000 rupees. I used this card for shopping and many other purposes. I pay my credit card bill through on-line.I want to use HDFC mobile app but there is no QR code in the card, it will be more nice if I can get the QR code so that I will be able to use their app.
      Was this review helpful? 4
      , new delhi
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit"
      0.5 4.0/5 "Great!"
      ICICI has given easy option to convert for EMI either I can do by mobile app or net banking rather calling the banker to raise a request, so that I feel best in this bank. The charge is nominal. I have been using this card for more than 4 years. It is a life time free card. The credit limit is okay of 36K only once they have increased the limit for second time I have refused it. It is a Platinum card. I use this card for an online purchase and fuel purposes.
      Was this review helpful? 0
      , hosur
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Best card "
      0.5 4.0/5 "Great!"
      SBI has offered an annual fee chargeable card of 499 plus GST but there is waiver off option if I spend 1L within a year hence I applied this card through online and received it by one week. The credit limit is low of 57K only. There are good offers and benefits for online shopping. I am not aware about EMI conversion. For every purpose I need to contact customer care only. When I applied a card they made to take an insurance with charge of 500 rupees but still I didn't receive the documents yet.
      Was this review helpful? 0
      , hosur
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      The credit limit which is provided from ICICI bank was sufficient to use. Its been one year I am holding this card. They have provided an annual fee chargeable of 4K but they have given an option for wavier off as need to spend 3K on monthly. I swipe the card for shopping, fuel purpose so got reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "very good "
      0.5 5.0/5 "Blown Away!"
      I am using RBL credit card for 1.5 years, the card have many offers on shopping, fuel, movie ticket and some reward points. The credit limit is 1 lakh which is very sufficient. I do my bill payment through as bank is available nearby. Also am using net banking and it functions very well.
      Was this review helpful? 0
      , surat
      Reviewed on Mar 20, 2020
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      ICICI bank have provided a good credit card to me which have a lot of offers in traveling, fuel surcharge, buy one get one free movie tickets every months along with many rewards points. Its also a life time free card.The card is very convenience to used. I do my credit card payment through bank.
      Was this review helpful? 1
      , tirunelveli
      Reviewed on Mar 20, 2020
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I have just got INDUSIND credit card in 15 days, I have not utilized the card much but done some shopping and medical services. The bank agent informed me about the offers and reward points when availing the card but I have not got any time to check it and I have no idea how to redeem those reward points. Overall experience is good.
      Was this review helpful? 1
      , kolkata
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have a SBI credit card which i have been using it recently, so far i have not faced any issues. I used this card for online shopping and other purchases.I get many cash back offer and reward points.The credit limit of the card is 46,000rupees, i wish the bank can increase the credit limit more.
      Was this review helpful? 0
      , jalandhar
      Reviewed on Mar 20, 2020
    • YES Bank Credit Card
      "Less friendly"
      0.5 2.0/5 "Expected more"
      When i first used the YES bank credit it was fine but later on it was not working properly it always show some issue,the card limit is only 65000 which i am not happy.I used this card for shopping,electricity bill payment,ticket booking and more.Due to some issues on the card i could not pay my bill on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2020
    • Citibank Credit Card
      "Excellent bank"
      0.5 5.0/5 "Blown Away!"
      CITI Bank provide very good customer services and it has been the best in the response. They have offered me a credit card of Rs. 1L and I have used it much for shopping purchase , restaurant,EB bill payment, rent payment using this card and amazon voucher monthly i am getting in this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      Being with HDFC bank for credit card is very nice, I have been using the card form 2 years i got a life time free card.Used the card for purchases,shopping, on line payment and mobile banking is function well but the interest rate is up to 22% which is very high so i wish the bank ca improve on that.
      Was this review helpful? 2
      , new delhi
      Reviewed on Mar 20, 2020
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