Best Overall
SBI Card - Tata Croma Card SELECT
SBI
8.5
Rating
The strongest all-round choice for most readers comparing shopping cards today.
Annual Fee
₹2,999
Reward Rate
100%
ShoppingLifestyleTravel
63 cards
Updated Mar 15, 2026high confidence
Best Shopping Cards in India (April 2026)
Cards designed for Amazon, Flipkart, and online marketplace spending with partner-led rewards.
e-commercebonus pointspartner offers
63
Compared Cards
4
Free Options
₹982
Average Annual Fee
Best for high online spenders
Partner benefits weighed against flexibility
Fee versus category fit reviewed carefully
TL;DR
Quick Picks for Shopping Cards
These picks are designed to answer the most common category decisions first, before you read the full comparison.
Best for Heavy Spenders
SBI Card - Tata Croma Card SELECT
SBI
8.5
Rating
Best suited to users who can justify a fee and consistently earn through high monthly spend.
Annual Fee
₹2,999
Reward Rate
100%
ShoppingLifestyleTravel
Best Free Option
Amazon Pay ICICI Bank Credit Card
ICICI
4.8
Rating
The most defensible no-fee pick if you want category value without renewal cost.
Annual Fee
Free
Reward Rate
100%
ShoppingCashbackTravel
Expert Insights
Partner fit is everything
Shopping cards create the most value when your preferred marketplace and spend volume match the bank’s bonus categories.
Sale events should be a bonus
Treat sale discounts as upside, not the primary reason to hold a card year-round.
Comparison Table
Compare Fees, Reward Rates, and Ratings
Compare Shopping Cards
Sort by fee, rewards, best-fit tags, or editor rating.
Sorted by rating (high to low)
Samsung Axis Bank Infinite Credit Card
AXIS
8.5/10
Annual Fee
₹5,000
Reward Rate
20%
Best For
Shopping, Travel
Network
Visa
SBI Card - Tata Croma Card SELECT
Editor's PickSBI
8.5/10
Annual Fee
₹2,999
Reward Rate
100%
Best For
Shopping, Lifestyle
Network
Visa
HDFC Bank - Tata Neu Plus HDFC Bank
HDFC
7.8/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Rewards
Network
RuPay
SBI Card - Tata Star Card SELECT
SBI
7.8/10
Annual Fee
₹2,999
Reward Rate
100%
Best For
Shopping, Groceries
Network
Mastercard
Fabindia SBI Card SELECT
SBI
7.5/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Shopping, Lifestyle
Network
Visa
Paytm SBI Card
SBI
7.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Cashback
Network
RuPay
PhonePe HDFC Bank Uno Credit Card
HDFC
7.5/10
Annual Fee
₹499
Reward Rate
30%
Best For
cashback, shopping
Network
RuPay
SBI Card - Tata Card SELECT
SBI
7.5/10
Annual Fee
₹2,999
Reward Rate
100%
Best For
Shopping, Lifestyle
Network
Visa
Tata Platinum SBI Card
SBI
7.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
shopping, lifestyle
Network
Visa
Tata Star SBI Card
SBI
7.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Groceries
Network
Visa
SBI Card - SimplyCLICK SBI Card
SBI
7.0/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Rewards
Network
Visa
City Union Bank SimplySAVE SBI Card
CUB
6.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Dining
Network
Visa
Lifestyle Home Centre Max SBI Card
SBI
6.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
shopping, dining
Network
Visa
Amazon Pay ICICI Bank Credit Card
ICICI
4.8/10
Annual Fee
Free
Reward Rate
100%
Best For
Shopping, Cashback
Network
Visa
CASHBACK SBI Card
SBI
4.5/10
Annual Fee
₹999
Reward Rate
100%
Best For
Shopping, Cashback
Network
Visa
HDFC Bank - Tata Neu Infinity HDFC Bank
HDFC
4.5/10
Annual Fee
₹1,499
Reward Rate
100%
Best For
Shopping, Travel
Network
Visa
Tata Neu Infinity SBI Credit Card
SBI
4.5/10
Annual Fee
₹1,499
Reward Rate
100%
Best For
Shopping, Travel
Network
Visa
Axis Bank Cashback Credit Card
AXIS
4.2/10
Annual Fee
₹1,000
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
Axis Bank Select Credit Card
AXIS
4.2/10
Annual Fee
₹3,000
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Millennia Credit Card
HDFC
4.2/10
Annual Fee
₹1,000
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
HDFC Bank Regalia Gold
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
PhonePe HDFC Bank Ultimo Credit Card
HDFC
4.2/10
Annual Fee
₹999
Reward Rate
100%
Best For
UPI, Shopping
Network
RuPay
Reliance SBI Card PRIME
SBI
4.2/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Shopping, Travel
Network
RuPay
Shoppers Stop Black HDFC Bank Credit Card
HDFC
4.2/10
Annual Fee
₹4,500
Reward Rate
20%
Best For
Shopping, Travel
Network
Visa
Swiggy HDFC Bank Credit Card
HDFC
4.2/10
Annual Fee
₹500
Reward Rate
100%
Best For
Cashback, Dining
Network
Mastercard
HDFC Bank UPI RuPay Credit Card
HDFC
4.0/10
Annual Fee
₹99
Reward Rate
25%
Best For
UPI, Rewards
Network
RuPay
Paytm HDFC Bank Select Credit Card
HDFC
4.0/10
Annual Fee
₹1,000
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
Samsung Axis Bank Signature Credit Card
AXIS
4.0/10
Annual Fee
₹500
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
Tata Neu Plus SBI Card
SBI
4.0/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Cashback
Network
RuPay
Tata Neu Plus SBI Credit Card
SBI
4.0/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Travel
Network
RuPay
Titan SBI Card
SBI
4.0/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Shopping, Lifestyle
Network
Visa
Axis Bank My Zone Credit Card
AXIS
3.8/10
Annual Fee
₹500
Reward Rate
20%
Best For
Entertainment, Dining
Network
Visa
Axis Bank Rewards Credit Card
AXIS
3.8/10
Annual Fee
₹1,000
Reward Rate
20%
Best For
Rewards, Shopping
Network
Visa
Kotak Mahindra Bank - Zen Signature
KOTAK
3.8/10
Annual Fee
₹1,500
Reward Rate
20%
Best For
Shopping, Travel
Network
Visa
Paytm SBI Card SELECT
SBI
3.8/10
Annual Fee
₹1,499
Reward Rate
100%
Best For
Travel, Shopping
Network
Visa
Axis Bank - Flipkart Axis Bank Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
100%
Best For
Shopping, Cashback
Network
Visa
Axis Bank Freecharge Plus Credit Card
AXIS
3.5/10
Annual Fee
₹350
Reward Rate
100%
Best For
Cashback, Utilities
Network
Visa
Axis Bank Indian Oil Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Fuel, Shopping
Network
RuPay
Axis Bank Neo Credit Card
AXIS
3.5/10
Annual Fee
₹250
Reward Rate
20%
Best For
Shopping, Dining
Network
Visa
Axis Bank Shoppers Stop Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
50%
Best For
Shopping, Lifestyle
Network
Visa
Fabindia SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
50%
Best For
Shopping, Lifestyle
Network
Visa
Flipkart Axis Bank Super Elite Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
100%
Best For
Shopping, Rewards
Network
Visa
HDFC Bank Easy EMI Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
30%
Best For
Shopping, Cashback
Network
Visa
HDFC Bank Equitas Elegance Credit Card
HDFC
3.5/10
Annual Fee
₹1,000
Reward Rate
20%
Best For
Rewards, Travel
Network
Visa
HDFC Bank Flipkart Wholesale Credit Card
HDFC
3.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Business, Cashback
Network
Diners Club
HDFC Bank MoneyBack+
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Shopping, Cashback
Network
Visa
HDFC Bank MoneyBack+ Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Shopping, Rewards
Network
Visa
HDFC Bank Snapdeal Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
ICICI Bank Instant Platinum Credit Card
ICICI
3.5/10
Annual Fee
Free
Reward Rate
25%
Best For
Beginner, Secured
Network
Visa
ICICI Bank Platinum Chip Credit Card
ICICI
3.5/10
Annual Fee
Free
Reward Rate
25%
Best For
Shopping, Dining
Network
Visa
Kotak Mahindra Bank 811 #DreamDifferent Credit Card
KOTAK
3.5/10
Annual Fee
Free
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
Lifestyle Home Centre SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Rewards
Network
Visa
MAX SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Lifestyle
Network
Visa
Paytm HDFC Bank Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
Paytm HDFC Bank Digital Credit Card
HDFC
3.5/10
Annual Fee
₹149
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
Reliance SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Rewards
Network
RuPay
SBI Card - Tata Croma Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Electronics
Network
Mastercard
Shoppers Stop HDFC Bank Credit Card
HDFC
3.5/10
Annual Fee
₹299
Reward Rate
20%
Best For
Shopping, Lifestyle
Network
RuPay
SimplyCLICK Advantage SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Online Spends
Network
Visa
SPAR SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Grocery
Network
Visa
Kotak Mahindra Bank - League Platinum
KOTAK
3.2/10
Annual Fee
₹499
Reward Rate
10%
Best For
Rewards, Shopping
Network
Visa
Axis Bank Freecharge Credit Card
AXIS
3.0/10
Annual Fee
₹250
Reward Rate
20%
Best For
Shopping, Rewards
Network
Visa
HDFC Bank Freedom Credit Card
HDFC
3.0/10
Annual Fee
₹500
Reward Rate
15%
Best For
Rewards, Shopping
Network
RuPay
| Card | Action | ||||
|---|---|---|---|---|---|
| ₹5,000 | 20% | ShoppingTravelLifestyle | 8.5/10 | ||
SBI Card - Tata Croma Card SELECTEditor's Pick SBI | ₹2,999 | 100% | ShoppingLifestyleTravel | 8.5/10 | |
| ₹499 | 100% | ShoppingRewardsUPI | 7.8/10 | ||
| ₹2,999 | 100% | ShoppingGroceriesLifestyle | 7.8/10 | ||
| ₹1,499 | 25% | ShoppingLifestyleTravel | 7.5/10 | ||
| ₹499 | 100% | ShoppingCashbackTravel | 7.5/10 | ||
| ₹499 | 30% | cashbackshoppingupi | 7.5/10 | ||
| ₹2,999 | 100% | ShoppingLifestyleTravel | 7.5/10 | ||
| ₹499 | 100% | shoppinglifestyletravel | 7.5/10 | ||
| ₹499 | 100% | ShoppingGroceriesDining | 7.5/10 | ||
| ₹499 | 25% | ShoppingRewards | 7.0/10 | ||
| ₹499 | 25% | ShoppingDiningGrocery | 6.5/10 | ||
| ₹499 | 25% | shoppingdiningentertainment | 6.5/10 | ||
| Free | 100% | ShoppingCashbackTravel | 4.8/10 | ||
| ₹999 | 100% | ShoppingCashback | 4.5/10 | ||
| ₹1,499 | 100% | ShoppingTravelUPI | 4.5/10 | ||
| ₹1,499 | 100% | ShoppingTravelRewards | 4.5/10 | ||
| ₹1,000 | 100% | CashbackShoppingDining | 4.2/10 | ||
| ₹3,000 | 20% | TravelLifestyleDining | 4.2/10 | ||
| ₹1,000 | 100% | CashbackShoppingDining | 4.2/10 | ||
| ₹2,500 | 20% | TravelLifestyleShopping | 4.2/10 | ||
| ₹999 | 100% | UPIShoppingTravel | 4.2/10 | ||
| ₹2,999 | 25% | ShoppingTravelLifestyle | 4.2/10 | ||
| ₹4,500 | 20% | ShoppingTravelLifestyle | 4.2/10 | ||
| ₹500 | 100% | CashbackDiningShopping | 4.2/10 | ||
| ₹99 | 25% | UPIRewardsShopping | 4.0/10 | ||
| ₹1,000 | 100% | CashbackShoppingTravel | 4.0/10 | ||
| ₹500 | 20% | ShoppingRewardsCashback | 4.0/10 | ||
| ₹499 | 100% | ShoppingCashbackUPI | 4.0/10 | ||
| ₹499 | 100% | ShoppingTravelUPI | 4.0/10 | ||
| ₹2,999 | 25% | ShoppingLifestyleJewellery | 4.0/10 | ||
| ₹500 | 20% | EntertainmentDiningShopping | 3.8/10 | ||
| ₹1,000 | 20% | RewardsShoppingDining | 3.8/10 | ||
| ₹1,500 | 20% | ShoppingTravelRewards | 3.8/10 | ||
| ₹1,499 | 100% | TravelShoppingRewards | 3.8/10 | ||
| ₹500 | 100% | ShoppingCashback | 3.5/10 | ||
| ₹350 | 100% | CashbackUtilitiesShopping | 3.5/10 | ||
| ₹500 | 20% | FuelShoppingDining | 3.5/10 | ||
| ₹250 | 20% | ShoppingDiningEntertainment | 3.5/10 | ||
| ₹500 | 50% | ShoppingLifestyle | 3.5/10 | ||
| ₹499 | 50% | ShoppingLifestyle | 3.5/10 | ||
| ₹500 | 100% | ShoppingRewards | 3.5/10 | ||
| ₹500 | 30% | ShoppingCashbackEMI | 3.5/10 | ||
| ₹1,000 | 20% | RewardsTravelShopping | 3.5/10 | ||
| ₹499 | 100% | BusinessCashbackShopping | 3.5/10 | ||
| ₹500 | 25% | ShoppingCashbackEntry-level | 3.5/10 | ||
| ₹500 | 25% | ShoppingRewardsBeginner | 3.5/10 | ||
| ₹500 | 20% | ShoppingRewards | 3.5/10 | ||
| Free | 25% | BeginnerSecuredShopping | 3.5/10 | ||
| Free | 25% | ShoppingDiningBeginner | 3.5/10 | ||
| Free | 20% | ShoppingRewardsSecured | 3.5/10 | ||
| ₹499 | 25% | ShoppingRewards | 3.5/10 | ||
SBI | ₹499 | 25% | ShoppingLifestyleDining | 3.5/10 | |
| ₹500 | 100% | CashbackShoppingUtilities | 3.5/10 | ||
| ₹149 | 100% | CashbackShoppingDining | 3.5/10 | ||
| ₹499 | 25% | ShoppingRewardsLifestyle | 3.5/10 | ||
| ₹499 | 100% | ShoppingElectronicsGrocery | 3.5/10 | ||
| ₹299 | 20% | ShoppingLifestyle | 3.5/10 | ||
| ₹499 | 25% | ShoppingOnline Spends | 3.5/10 | ||
| ₹499 | 25% | ShoppingGroceryDining | 3.5/10 | ||
| ₹499 | 10% | RewardsShoppingMovies | 3.2/10 | ||
| ₹250 | 20% | ShoppingRewardsDigital Spends | 3.0/10 | ||
| ₹500 | 15% | RewardsShoppingDining | 3.0/10 |
How to Choose
What Matters Most in Shopping Cards
Key factors to compare
- Accelerated rewards on the marketplaces you actually use
- Whether rewards are cash-like or locked into points
- Annual fee versus expected e-commerce savings
What to look for
- Strong online shopping earn rates without narrow exclusions
- Useful instant discounts during sale events
- Decent fallback rewards outside the partner ecosystem
Common mistakes
- Choosing a card optimized for a platform you rarely use
- Ignoring exclusions on gift cards and wallet loads
- Comparing headline offers without checking long-term base rewards
Expanded Grid
Individual Card Breakdowns
59 paid cards and 4 free cards in this category.
AXIS
Samsung Axis Bank Infinite Credit Card
ShoppingTravelLifestyle
8.5
Editor Rating
Annual Fee
₹5,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹5,000
20% base reward rate
Strong 8.5/10 editor rating
Watchouts
You need enough yearly value to offset the ₹5,000 fee
SBI
SBI Card - Tata Croma Card SELECT
ShoppingLifestyleTravel
8.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹2,999
100% base reward rate
Strong 8.5/10 editor rating
Watchouts
You need enough yearly value to offset the ₹2,999 fee
HDFC
HDFC Bank - Tata Neu Plus HDFC Bank
ShoppingRewardsUPI
7.8
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
RuPay
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
SBI Card - Tata Star Card SELECT
ShoppingGroceriesLifestyle
7.8
Editor Rating
Annual Fee
₹2,999
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹2,999
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
Fabindia SBI Card SELECT
ShoppingLifestyleTravel
7.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹1,499 fee
SBI
Paytm SBI Card
ShoppingCashbackTravel
7.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
RuPay
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
PhonePe HDFC Bank Uno Credit Card
cashbackshoppingupi
7.5
Editor Rating
Annual Fee
₹499
Reward Rate
30%
Network
RuPay
Mini Pros
Annual fee of ₹499
30% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
SBI Card - Tata Card SELECT
ShoppingLifestyleTravel
7.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹2,999
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
Tata Platinum SBI Card
shoppinglifestyletravel
7.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Tata Star SBI Card
ShoppingGroceriesDining
7.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
SBI Card - SimplyCLICK SBI Card
ShoppingRewards
7.0
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
CUB
City Union Bank SimplySAVE SBI Card
ShoppingDiningGrocery
6.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Lifestyle Home Centre Max SBI Card
shoppingdiningentertainment
6.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
ICICI
Amazon Pay ICICI Bank Credit Card
ShoppingCashbackTravel
4.8
Editor Rating
Annual Fee
Free
Reward Rate
100%
Network
Visa
Mini Pros
No annual fee to recover
100% base reward rate
Good fit for shopping
Watchouts
Benefits may be lighter than premium alternatives
SBI
CASHBACK SBI Card
ShoppingCashback
4.5
Editor Rating
Annual Fee
₹999
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹999
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹999 fee
HDFC
HDFC Bank - Tata Neu Infinity HDFC Bank
ShoppingTravelUPI
4.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹1,499 fee
SBI
Tata Neu Infinity SBI Credit Card
ShoppingTravelRewards
4.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹1,499 fee
AXIS
Axis Bank Cashback Credit Card
CashbackShoppingDining
4.2
Editor Rating
Annual Fee
₹1,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,000
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹1,000 fee
AXIS
Axis Bank Select Credit Card
TravelLifestyleDining
4.2
Editor Rating
Annual Fee
₹3,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹3,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
HDFC
HDFC Bank Millennia Credit Card
CashbackShoppingDining
4.2
Editor Rating
Annual Fee
₹1,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,000
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹1,000 fee
HDFC
HDFC Bank Regalia Gold
TravelLifestyleShopping
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
PhonePe HDFC Bank Ultimo Credit Card
UPIShoppingTravel
4.2
Editor Rating
Annual Fee
₹999
Reward Rate
100%
Network
RuPay
Mini Pros
Annual fee of ₹999
100% base reward rate
Good fit for upi
Watchouts
You need enough yearly value to offset the ₹999 fee
SBI
Reliance SBI Card PRIME
ShoppingTravelLifestyle
4.2
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
HDFC
Shoppers Stop Black HDFC Bank Credit Card
ShoppingTravelLifestyle
4.2
Editor Rating
Annual Fee
₹4,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹4,500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹4,500 fee
HDFC
Swiggy HDFC Bank Credit Card
CashbackDiningShopping
4.2
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank UPI RuPay Credit Card
UPIRewardsShopping
4.0
Editor Rating
Annual Fee
₹99
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹99
25% base reward rate
Good fit for upi
Watchouts
You need enough yearly value to offset the ₹99 fee
HDFC
Paytm HDFC Bank Select Credit Card
CashbackShoppingTravel
4.0
Editor Rating
Annual Fee
₹1,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,000
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹1,000 fee
AXIS
Samsung Axis Bank Signature Credit Card
ShoppingRewardsCashback
4.0
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
SBI
Tata Neu Plus SBI Card
ShoppingCashbackUPI
4.0
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
RuPay
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Tata Neu Plus SBI Credit Card
ShoppingTravelUPI
4.0
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
RuPay
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Titan SBI Card
ShoppingLifestyleJewellery
4.0
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹2,999 fee
AXIS
Axis Bank My Zone Credit Card
EntertainmentDiningShopping
3.8
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for entertainment
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Rewards Credit Card
RewardsShoppingDining
3.8
Editor Rating
Annual Fee
₹1,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,000
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,000 fee
KOTAK
Kotak Mahindra Bank - Zen Signature
ShoppingTravelRewards
3.8
Editor Rating
Annual Fee
₹1,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹1,500 fee
SBI
Paytm SBI Card SELECT
TravelShoppingRewards
3.8
Editor Rating
Annual Fee
₹1,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,499 fee
AXIS
Axis Bank - Flipkart Axis Bank Credit Card
ShoppingCashback
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Freecharge Plus Credit Card
CashbackUtilitiesShopping
3.5
Editor Rating
Annual Fee
₹350
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹350
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹350 fee
AXIS
Axis Bank Indian Oil Credit Card
FuelShoppingDining
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
RuPay
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Neo Credit Card
ShoppingDiningEntertainment
3.5
Editor Rating
Annual Fee
₹250
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹250
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹250 fee
AXIS
Axis Bank Shoppers Stop Credit Card
ShoppingLifestyle
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹500
50% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
SBI
Fabindia SBI Card
ShoppingLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹499
50% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Flipkart Axis Bank Super Elite Credit Card
ShoppingRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Easy EMI Credit Card
ShoppingCashbackEMI
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
30%
Network
Visa
Mini Pros
Annual fee of ₹500
30% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Equitas Elegance Credit Card
RewardsTravelShopping
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,000
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,000 fee
HDFC
HDFC Bank Flipkart Wholesale Credit Card
BusinessCashbackShopping
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Diners Club
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
HDFC Bank MoneyBack+
ShoppingCashbackEntry-level
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank MoneyBack+ Credit Card
ShoppingRewardsBeginner
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Snapdeal Credit Card
ShoppingRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹500 fee
ICICI
ICICI Bank Instant Platinum Credit Card
BeginnerSecuredShopping
3.5
Editor Rating
Annual Fee
Free
Reward Rate
25%
Network
Visa
Mini Pros
No annual fee to recover
25% base reward rate
Good fit for beginner
Watchouts
Benefits may be lighter than premium alternatives
ICICI
ICICI Bank Platinum Chip Credit Card
ShoppingDiningBeginner
3.5
Editor Rating
Annual Fee
Free
Reward Rate
25%
Network
Visa
Mini Pros
No annual fee to recover
25% base reward rate
Good fit for shopping
Watchouts
Benefits may be lighter than premium alternatives
KOTAK
Kotak Mahindra Bank 811 #DreamDifferent Credit Card
ShoppingRewardsSecured
3.5
Editor Rating
Annual Fee
Free
Reward Rate
20%
Network
Visa
Mini Pros
No annual fee to recover
20% base reward rate
Good fit for shopping
Watchouts
Benefits may be lighter than premium alternatives
SBI
Lifestyle Home Centre SBI Card
ShoppingRewards
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
MAX SBI Card
ShoppingLifestyleDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
Paytm HDFC Bank Credit Card
CashbackShoppingUtilities
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
Paytm HDFC Bank Digital Credit Card
CashbackShoppingDining
3.5
Editor Rating
Annual Fee
₹149
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹149
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹149 fee
SBI
Reliance SBI Card
ShoppingRewardsLifestyle
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
SBI Card - Tata Croma Card
ShoppingElectronicsGrocery
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
Shoppers Stop HDFC Bank Credit Card
ShoppingLifestyle
3.5
Editor Rating
Annual Fee
₹299
Reward Rate
20%
Network
RuPay
Mini Pros
Annual fee of ₹299
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹299 fee
SBI
SimplyCLICK Advantage SBI Card
ShoppingOnline Spends
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
SPAR SBI Card
ShoppingGroceryDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
KOTAK
Kotak Mahindra Bank - League Platinum
RewardsShoppingMovies
3.2
Editor Rating
Annual Fee
₹499
Reward Rate
10%
Network
Visa
Mini Pros
Annual fee of ₹499
10% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Axis Bank Freecharge Credit Card
ShoppingRewardsDigital Spends
3.0
Editor Rating
Annual Fee
₹250
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹250
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹250 fee
HDFC
HDFC Bank Freedom Credit Card
RewardsShoppingDining
3.0
Editor Rating
Annual Fee
₹500
Reward Rate
15%
Network
RuPay
Mini Pros
Annual fee of ₹500
15% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
FAQ
Common Questions About Shopping Cards
Do shopping credit cards offer rewards on EMI transactions?
Most major banks, including HDFC, ICICI, and Axis, have stopped providing reward points or cashback on transactions converted into EMIs. Always check the specific card policy before opting for deferred payments.
What is the difference between 'Unlimited' and 'Capped' cashback?
Unlimited cashback (like on the Amazon Pay ICICI card) means you earn the same percentage regardless of the transaction size. Capped cashback (like HDFC Millennia) means once you earn a certain amount (e.g., ₹1,000) in a month, you earn nothing or a base rate (1%) for the rest of that month.