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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
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    0
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    1999
    100% PAPERLESS APPROVAL
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    Think about
    Fee Details
    1499
    100% PAPERLESS APPROVAL
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    Think about
    Fee Details
    500
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    750
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    250
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    499
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
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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

    • RBL Bank Credit Card
      "Need to decrease charges"
      0.5 2.0/5 "Expected more"
      I am holding RATNAKAR bank credit card for less than 2 years. It is an annual fee chargeable. The limit is okay now they have increased to 7 thousands only. I use this card electricity, ticket booking, restaurants, to buy electronic items based on the usage I get more points. They are taking some hidden charges without any intimation.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 16, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Average Card"
      0.5 3.0/5 "Satisfactory"
      State bank of India customer care service is upto the mark and I'm not happy about the charges of late payment and EMI conversion. They have given me a option to convert my purchase into EMI and i get lots of rewards points. I have a Air india card
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 16, 2019
    • HDFC Bank Credit Card
      "HDFC is better compared to others"
      0.5 4.0/5 "Great!"
      HDFC bank credit card has given option to convert my bulk purchase into EMI and their customer care service also good hence i availed the HDFC credit card. They have given me a rewards points and can convert into cash and on the time of purchase.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 16, 2019
    • Citibank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      On this CITI bank credit card, i haven't received the statement to my mail address and residential address. My card was taken 1.5 months back. I hold a rewards card and i need to check the offer details. I can do a purchase by using my rewards points.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 16, 2019
    • HDFC Bank Credit Card
      "Good to have"
      0.5 5.0/5 "Blown Away!"
      I have some hidden charges on my HDFC credit card. 2 years ago, i have purchased my HDFC credit card. I'm getting a travel ticket offer, shopping offer, movie ticket offer and loan offers too. Still i haven't faced any issue and I'm getting no annual charges.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 16, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC bank credit card for more 8 years which was processed directly to bank. It is a life time free credit card. The credit limit is reasonable which was given from bank. So far no issues by using this card. Mostly use for shopping and personal use based on the usage I get reward points and cash back.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 16, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card for more than 2 months before which was processed through an online. The verification process was smooth and good. I received a card on time along with a welcome kit. It is a life time free credit card but the credit limit is low not sufficient. I use this card mostly for shopping and restaurants purposes. So far I have not talk to the customer service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 16, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied a card to card INDUSIND BANK PLATINUM AURA EDGE MASTER CARD. IndusInd Bank customer service is good. Credit limit is nominal and It is lifetime free credit card. I am getting reward points. I am using this card for online shopping and other purposes.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 16, 2019
    • review Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding a State Bank of India TATA Croma credit card. I have been using this card past 5 years. Features of this card is excellent. Credit limit is nominal and it's lifetime free card. I am using this card for online shopping and daily purchage.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • HSBC Bank Credit Card
      "Exce"
      0.5 5.0/5 "Blown Away!"
      I am holding HSBC bank credit card for more than 2 years which was applied directly to bank. It is a life time free credit card.. The credit limit is good. I use this card for shopping, fuel , restaurant based on the usage I get reward points and cash back. It is applicable for dining and airport lounges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 16, 2019
    • American Express Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      I am holding AMERICAN EXPRESS bank credit card for more than 2 years which was applied directly to bank. It is an annual fee chargeable and after 2 years there is an option for a waiver off for a certain amount usage. The credit limit is good. I use this card for shopping, fuel , restaurants based on the usage I get reward points.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 16, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken INDUS IND bank credit card more than a month which was processed through an online. I have not received a call from bank for further verification. Received a card on time and the process was smooth. It is a life time free credit card and the credit limit is sufficient. I use this card for shopping and an online transactions.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 16, 2019
    • HDFC Bank Credit Card
      "Need to provide cash back & points need to be avail"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank Titanium credit card for more than 4 years which was processed through an other channel. It is an annual fee chargeable. The credit limit is sufficient. I use this card for fuel, shopping, restaurants. Based on the usage I get reward points and points can be use only for certain products. I am not getting any cash back so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 16, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I've got an offer for a PLATINUM AURA EDGE credit card from Indusind Bank. I applied and received the card on time. I was not informed about cashback offer or reward points. It is a lifetime free credit card and credit limit is nominal. I use the card for online shopping.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 16, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am using an HDFC credit card. I have received the card on time. Credit limit is very low as I got this card through my salary account. I am expecting a little more than what they are giving right now. Their customer service is ok. I am using this credit card for online shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • Kotak Credit Card
      "Worst Card"
      0.5 2.0/5 "Expected more"
      I have used the card for last 3.5 years. At the time of my purchase, i'm not much aware of the credit card hence i have misused it. This is my first card and they have not provided me any support regarding the bill payment hence i have not made any bill payment. After that they have charged me a interest rate and late fee of Rs. 10000 finally i have close the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for choosing the Indusind bank. I got the offer and i like the features hence i bought the card. Mostly I'm using the card on online purchase. I'm getting 10 to 15 rewards points for every Rs. 100 transaction. I haven't use the card for any offline transaction even though i got the card for 1 month back.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have received my KOTAK PVR GOLD CREDIT CARD. I received the card on time. It is an add on card, I applied through another card. There is no cashback offer so far. Kotak Mahindra customer service very helpful. I am using this card for online shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • Bank Bazaar Credit Card
      "User friendly website"
      0.5 3.0/5 "Satisfactory"
      Even i have visited the website for a long time, this is my first purchase with bankbazaar. Everything we could see it in one single portal about all the credit cards. It is easy use the website and comfortable to handle and there is a guidance from that based on the features i can select the best card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 16, 2019
    • Citibank Credit Card
      "Good for Riders"
      0.5 4.0/5 "Great!"
      Citi bank is good in customer support and they are providing discount for the fuel filling at Indian oil petrol bunk because I have petroleum card and also some cash back offers are for the shopping,grocery with emi facility. The credit limit is also satisfactory for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
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