10 Best Shopping Credit Cards in India

This Article was fact checked and last updated for accuracy on November 17, 2024 by Mani Karthik

Shopping is the national sport of India. Just kidding. It is no secret that shopping gets even better with shopping credit cards. With more and more credit cards offering rewards and offers these days, today’s consumer is more on the benefits side. Credit card facilitate easy payment of the bills and make cashless shopping possible. But even for meeting shopping need you need to find the best card that suits your requirement. You cannot expect all the cards to give you the same benefit. Each has been designed to give you the best deal. So it’s better to compare and choose the one that suits you.

Things to ask before choosing a shopping credit card

• What is the annual charge or the APR?
• What are the rewards, vouchers that you get along with this card?
• Does the card have any tie up with any merchandise?
• Are there any penalty charges for non-payment?
• Any other additional charges?
• Validity of your reward points accumulated.

1. Citibank First Citizen Titanium Credit Card

First Citizen Titanium Credit Card is the best for your shopping needs and has been designed exclusively keeping this in mind. People who love shopping can benefit from this and enjoy unlimited savings on this too. The card gives you exceptional membership privileges, welcome offers, easy redemption options, exciting rewards and exclusive in-store deals.

Eligibility

• Applicants must be 18-60 years of age.
• Income proof, ID proof and address proof.

Benefits

• 2 vouchers from Shoppers stop worth Rs 250 redeemable from Shoppers Stop within 1 month of issuing the card.
• Points that are earned on your First Citizen Citibank Card are usually transferred to Shoppers Stop on a monthly basis.
• Home Stop vouchers redeemable at shoppers stop outlets.
• Customers can enjoy special deals on beauty and wellness packages at spas, salons and fitness centers across the country.
• Get 20% off on your dining from the set of selected restaurants.
• 7 points for every Rs 100 spent at Shoppers Stop.
• 1 citizen point for every Rs 100 spent.
• You can redeem the points as 1 Reward Point = Rs.0.6 for redemption.
• If your annual spend is more than Rs 30000 your fees will be waived off.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
7 points for every Rs 100 spent at Shoppers Stop.	1 citizen point for every Rs 100 spent.	39% per annum,	Rs 500	Rs 500(waived off if the annual spend exceed Rs 30000).	2.5% (Min. Rs 250) of the Cash Amount	Up to 50 days

Drawbacks

The APR is slightly high at 39%.The Standard Chartered Landmarks Reward Platinum Card charges only 37.2%

Summary

First Citizen Titanium Credit Card is apt for shopping needs and comes with numerous vouchers. You earn 7 points on every Rs 100 spent on shoppers stop. Apart from this you can also make 1 point for every Rs 100 spent elsewhere. The joining fee and the annual fee is Rs 500.The annual fee will be waived off once the annual spend exceeds Rs 30000.

2. Standard Chartered Landmarks Reward Platinum Credit Card

Standard Chartered has numerous branches all across the globe and has been in operation since 1969.Apart from credit cards the bank has numerous investment option for its customer. Landmarks Reward Credit Card is perfect for shopping as it has tie up with Max, Lifestyle and Home Centre some of the most popular brands across India.

Eligibility

• The applicant’s income is looked into by the bank and is sanctioned by the bank.
• It is important that the person has a good credit history.

Benefits

• The Platinum Rewards Card gives 9X Reward Points at stores affiliated to Landmark, such as Home Centre, Max and Lifestyle.
• For other purchases the cardholder gets 2x reward points.
• The customers get an additional cashback of 5% on at Home Centre and Lifestyle. You get a cashback of Rs 150 and a maximum of Rs 500 per month.
• Earn rewards and get a cashback voucher worth Rs 2700.
• You also have access to the best lounges across the country.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
9X Reward Points at Home Centre, Max and Lifestyle.	Rs.500 as cashback every month and Rs.150 for each transaction	37.20%	Rs 399	Nil	A minimum of Rs. 500 or 2.5% of the over limit amount	18-48 days.

Drawbacks

The cashback is only Rs 500 with a maximum of Rs 150 per transaction which is quite low

Summary

The card gives you 9x reward points which is quite a good deal for shoppers. The joining fee is Rs 399 that is quite affordable and does not put much burden on the user. You have access to numerus vouchers and for a regular shopper this is quite useful.

3. FBB SBI Style up Credit Card

SBI has tie up with FBB and is offering some of the best privileges with its shopping benefits. Fashion Bazaar which is Big Bazaar’s ultimate fashion store has best deals and discounts that any customer needs. Apart from apparels you also have footwear and accessories from FBB which can be also be availed using this card.

Eligibility

• Income proof, ID proof and address proof.
• Age above 21 and less than 60.

Benefits

• Welcome gift of Rs 500 from FBB.
• On renewal you get 2000 bonus points.
• You can get up to 10% off on FBB merchandise.
• Avail 10x rewards on your dining spends.
• With the Easy Bill Payment facility make your bills on time without any difficulty.
• You have option to withdraw cash from over 1 million Visa ATMs worldwide.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
Welcome gift of Rs 500 from FBB.	You can get up to 10% off on FBB merchandise	40.20%	Rs 499	Rs 499	2.5% of the amount over limit subject to a minimum of Rs. 500.	20-40 days.

Drawbacks

The card has a high APR of 40.2%.The Standard Chartered Landmarks Card gives you 37.20% which is more reasonable.

Summary

FBB Style up credit card is actually targeted for the shoppers of Fashion Bazaar. You can avail Rs 500 as your welcome gift after applying for this card. Apart from apparels they also have discounts on other merchandise and accessories available at FBB. You can also get good discounts on dining too using this card. The annual charge is also not so high making it easy for customers to pay off the bill on time.

4. ICICI Platinum Credit Card

For shopping and better spending experience ICICI has introduced the ICICI Platinum Credit Card. For those who want a card to earn rewards this one is apt and gives you opportunity to make as much as possible. This card comes with a number of lifestyle and shopping rewards which cannot missed out.

Eligibility

• The applicant must be 23 years old and with a good credit history.
• They must be Indian or a non-resident Indian.

Benefits

• For every Rs 100 spent you earn 2 payback points.
• They also have tie ups with luxury hotels, discounts at lifestyle stores and spas
• 2.5% fuel surcharge waiver is provided for all fuel transactions not exceeding Rs.4000 at HPCL pumps.
• Get 15% off on culinary program with selected restaurants.
• On spending Rs 50000 and above get your annual fee waived off.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
2 Payback points for Rs 100.	Get 15% off on culinary program with selected restaurants	40.80% per annum	Rs 199	Rs 99	Rs 100.	Up to 48 days.

Drawbacks

• The APR is very high at 40.8%. First Citizen Titanium Credit Card charges only 39% per annum.
• You get only 2 points for every Rs 100 in India , First Citizen Titanium Credit Card gives 7 points for every Rs 100 spent.

Summary

ICICI Platinum Credit Card has some good deals on shopping. You can get about 2 points for every Rs 100 spent but if all expenses are met using this card you can collect a good amount. The joining fee and the annual charges are also a little low so making it affordable to all. Apart from shopping you also have tie ups with luxury hotels, discounts at lifestyle stores and spas too.

5. Citibank Rewards Cards

Citibank comes with a card which is exclusively for your shopping requirements. It also gives you good rewards on departmental purchases, dining, and travel needs too. Earn points as you meet your expenses and get rewarded on spending within 30 days of receipt of the card. The card has tie-ups with numerous retail chains and the bill can be settled in simple monthly installment options.

Eligibility

• You should be 18 years and above to be eligible for this card
• They should give income, address and identity proof for availing this card.

Rewards

• As a joining gift you get 1000 points on spending Rs 1000and 1500 points on purchases made within 30 days of receipt of the card.
• For purchases of Rs 125 at Apparel as well department stores earn about 10 reward points. You can make 1 rewards point for every 125 spent anywhere.
• For quarterly purchases of Rs 1 lakh and above you gain about 1000 points and if you opt for e-mail statements gain another 300 points.
• By purchasing any other card of Citibank you gain 500 points and for every renewal you gain 1000 points.
• You can also avail 20% discount on dining bills at over 2000 dining outlets.
• Get access to concierge services that help to plan parties & family function, send flowers, reserve tables at restaurants and many more.
• You can redeem your points online or at over 600 stores at your convenience.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
10 Payback points for Rs 125 spent at Apparel.	Get 20% discount on dining bills at selected restaurants	39.00 % per annum	Rs 1000	Rs 1000	Depending on the credit limit.	17-23 days.

Drawbacks

The joining fee and annual charge is slightly high at Rs 1000.The First Citizen Titanium Credit Card charges only Rs 500.

Summary

The Citibank reward card is apt for making your purchases and making points out it. You can redeem your points and make additional purchases with your points too. The annual charges are very nominal and rewards are pretty good too

6. Axis Bank Buzz Credit Card

Axis Bank Buzz Credit Card has some exclusive offers and more or less focuses on online shopping. You receive many vouchers and lifestyle benefits from this card. You have an option to earn reward points as you spend on your day to day expenses.

Eligibility

• Applicants must be 18-60 years of age.
• Income proof, ID proof and address proof.

Benefits

• Get a welcome gift of Rs 1000 on making 3 purchases within 45 days.
• Avail 5% off at Flipkart (Max. monthly benefits up to Rs.200.
• For every Rs 200 spent online receive 6 eDGE Loyalty Reward Points.
• For every Rs 200 spent receive 2 edge royalty reward points.
• Get 15% off on dining at restaurants.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
Get a a welcome gift of Rs 1000	For every Rs 200 spent online receive 6 eDGE points	46.78% per annum	Rs 750	Rs 750	2.5% (Min. Rs 250) of the Cash Amount	20-50 days.

Drawbacks

The APR is high at 46.78% per annum. First Citizen Titanium Credit Card charges only 39% per annum which is far more reasonable.

Summary

Axis bank has some of best credit cards and mostly focuses on the needs of a common man. Here the annual charge of Rs 750 is slightly high but the benefits associated with this card are good. You get 6 edge points for every Rs 200 spent using this card and 2 points on other expenses made. You also have offers from flipkart and even dining privileges using this card.

7. Central SBI Select Card

The Central SBI Select Card has some interesting offers and discounts for its cardholders. As you spend using this card you can earn reward points. It has points exclusively for dining out and movies. They also have many joining perks from many online websites and retail outlets too.

Eligibility

• Income proof, ID proof and address proof.
• Age above 21 and less than 60.

Benefits

• 5 Select Points for every Rs.100 spent on Dining & Movies.
• 10 Select Points for every Rs.100 spent at any Central store.
• As a welcome gift you get a Central e-gift voucher worth Rs. 750, bookmyshow e-gift voucher worth Rs 250.
• For the first 3 months you get an e-gift voucher from Central worth Rs 250 each month.
• 1 point for every Rs 100 spend on all other purchases except fuel.
• You can redeem our points at all Central stores for 1 point=25paise

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
5 Select Points on Rs.100 for Dining.	Central e-gift voucher worth Rs 750.	40.2% per annum,	Rs 750	Rs 750	Up to 80% of the credit limit, maximum Rs. 15,000 per day.	25-50 days,

Drawbacks

• You make only 5 Select Points on Rs.100 for Dining while SBI Simply Save Advantage Card gives up to 10 reward points for every Rs 100 spent.
• The APR is high at 40.2% per annum.

Summary

Here SBI has a tie up with one of the popular mall in India which is the Central mall.Avail 10 points for every Rs 100 spent at Central mall. You get gift vouchers as a welcome gift and get access to dining benefits too. The joining and annual fee is also slightly high but it is to be paid annually which is fine.

8. IndusInd Bank Platinum Card

IndusInd Platinum Card is high on rewards and is an ideal choice for customers. This is an ideal shopping companion and offers numerous lifestyle benefits too. Apart from this they also have a reward program which is apt for all lifestyle requirements.

Eligibility

• Applicants must be 18-60 years of age.
• Income proof, ID proof and address proof.

Benefits

• Avail vouchers from Satya Paul as welcome gift.
• 1.5 Reward Points for every Rs. 150 spent
• Get Enjoy fuel surcharge waiver of 2.5% at petrol pumps across the country.
• Buy 1 and get 1 movie ticket free.
• Get a complimentary Personal Air Accident Cover worth Rs 25 lakhs.
• Access to 600 Airport lounges across the planet with Priority Pass membership.
• Even get access to platinum concierge services such as pre-trip assistance, hotel reservation and flight booking assistance, exclusive booking etc.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
1.5 Reward Points for every Rs. 150 spent	Fuel surcharge waiver of 2.5% at petrol pumps	46% per annum,	Rs 899	Rs 899	2.5% (Min. Rs 250) of the Cash Amount	Up to 50 days

Drawback

You avail 1.5 point for every Rs 150 spent using this card. First Citizen give about 7 points for every Rs 100 spent at Shoppers Stop which is far better.

Summary

Indus Ind Platinum Card is yet another shopping card with several benefits. The main highlight is the lifestyle privileges that come with this card. You can earn points as you spend using this card. You get 1.5 points for every Rs 150 spend using this card. You can even access the concierge services such as pre-trip assistance, hotel reservation and flight booking assistance, exclusive booking… etc that come along with this card.

9. Axis Bank Neo Credit Card

Axis Bank is offering great deals for people who love shopping and spend a good deal on them. In terms of rewards it is high on cash back benefits, welcome offers and entertainment benefits. This particular card has also some special benefits for online shopping which is convenient for the customers too.

Eligibility

• The applicant must be a resident Indian or Nonresident Indian
• They should be between the ages of 18-70 years.

Benefits

• 10% off on booking tickets through bookmyshow.com.
• For a minimum purchase for Rs 500 from Myntra you get 10% off.
• You get a welcome gift of Rs 500 from Myntra and a movie voucher worth Rs 200.
• 10% cashback every time you shop at Jabong.com with a maximum cap of 1000 per month.
• Earn 2 points for every Rs 200 spent using the card.
• 10% cash back on selected spends
• 10% off on booking your bus tickets through redbus.
• 10% cashback on mobile recharge through Freecharge mobile app, monthly benefits up to 30.
• Zero card liability will protect you in case your card is lost or stolen provided you report it at the moment it’s lost.
• The joining fee is waived off if Rs 2500 is spent with this card within 45 days of receipt.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
2 point on every Rs 200 you spent	10% off on booking tickets through bookmyshow.com	46.78% per annum)	Rs 250	Rs 250	2.5% of transaction fee or 300/-whichever is higher	20-40 days

Drawback

You avail only 2 points for every Rs 200 spent. While SBI Simply Save Advantage Card gives up to 10 reward points for every Rs 100 spent.

The APR is also very high at 46.78%.

Summary

Axis Neo Credit Card is a shopper’s favorite card as it has all the benefits you would look for. The charges are very nominal at Rs 250.They have tie up with Myntra and Jabong which gives you better hand in online shopping too. Apart from this you also have movie tickets, red bus and mobile recharge options too for this card.

10. Solitaire Credit Card

The Solitaire Credit Card is a card designed exclusively for women and they have numerous shopping rewards as well as discounts. Earn points as you shop and redeem them later for further departmental or grocery shopping.

Eligibility

• All salaried professionals as well self-employed people between the ages of 21-60 are eligible for this card.
• Income proof, ID proof and address proof.

Rewards

• Get the opportunity to get vouchers worth 2000 from Shoppers stop every year.
• For every 150 spent you get 3 reward points. You can also make 50% more reward points on grocery purchases. Cash redemption of points is also possible (100 Reward Points = Rs. 40).
• You can also avail fuel surcharge waiver up to 250 every billing cycle.
• Avail interest free credit period within 50 days of making the purchase.
• Can get zero liability on your lost credit card if you report the loss within 24 hours of losing it.
• You can also enjoy the Revolving Credit on your Credit Card at nominal interest rate.
• Earn a Cash Back of more than Rs. 4,000 on RP accumulated by spending Rs. 5 lakh on your card.

Rewards	Bonus offers	APR	Joining Fee	Annual Fee	Cash withdrawal	Interest free credit period
Welcome gift of  Rs 2000 from Shoppers stop	3 points for every Rs 150 spent.	40.8% per annum,	Rs 999	Nil	2.5% (Min. Rs 250) of the Cash Amount	Up to 50 days

Drawback

This is card is only for women it cannot applied by male applicants.

You only get 3 points for every Rs 150 spent while SBI Simply Save Advantage Card gives up to 10 reward points for every Rs 100 spent.

Summary

The card comes with a welcome gift of Rs 2000 from shoppers stop. The joining fee is quite nominal at 999 but this again is only to be paid once. There is no annual charge for the card which is again very good for the customer. On spending 5 lakh using the card you get Rs 4000 as cash back.

So, there you have it. All the best shopping credit cards available in India today. Next time you go shopping, ensure you are using one of these, and save your time and money.