Quick Comparison: Top Shopping Credit Cards (2025)
| Credit Card | Best For | Shopping Cashback | Annual Fee |
|---|---|---|---|
| SBI Cashback Credit Card | All online shopping | 5% online, 1% offline (exclusions apply) | ₹999 (waiver on ₹2L annual spend) |
| Amazon Pay ICICI Credit Card | Amazon shopping | 5% (Prime), 3% (non-Prime); 1–2% elsewhere | Lifetime Free |
| Flipkart Axis Bank Credit Card | Flipkart & Myntra | 5% Flipkart/Myntra; 4% partners; 1.5% others | ₹500 (often waived) |
| HDFC Millennia Credit Card | Amazon, Flipkart, Swiggy, Zomato | Up to 5% (via reward points); 1% elsewhere | ₹1,000 (waiver on ₹1L spend) |
Best Shopping Credit Cards in India — Detailed Review
1) SBI Cashback Credit Card
The SBI Cashback Credit Card is one of the most popular shopping credit cards because it offers a flat 5% cashback on online shopping across platforms. No points, no vouchers—just direct statement credit.
- ✔ 5% on online shopping (wide coverage)
- ✔ Cashback goes directly into your bill
- ❌ Excludes wallets, fuel, rent payments
2) Amazon Pay ICICI Credit Card
If you’re an Amazon loyalist, this is the best shopping credit card for Amazon. It offers 5% cashback for Prime members, 3% for non-Prime, and it’s lifetime free.
- ✔ Zero annual fee
- ✔ Cashback goes to Amazon Pay balance (easy to use)
- ❌ Peak benefits limited to Amazon shopping
3) Flipkart Axis Bank Credit Card
For Flipkart and Myntra fans, this is the top shopping credit card. You get 5% cashback on Flipkart/Myntra, 4% on partners like Swiggy, Uber, PVR, and 1.5% everywhere else.
- ✔ Great mix of shopping + lifestyle benefits
- ✔ Extra perks like movies and dining discounts
- ❌ Cashback caps on certain categories
4) HDFC Millennia Credit Card
The HDFC Millennia is a versatile shopping credit card with 5% cashback (via reward points) on Amazon, Flipkart, Swiggy, Zomato, and 1% elsewhere. Best suited for young professionals who shop and order food frequently.
- ✔ Wide app coverage
- ✔ Easy redemption of reward points
- ❌ Reward points require tracking for best value
How to Choose the Right Shopping Credit Card
- Amazon buyers: Go for Amazon Pay ICICI.
- Flipkart/Myntra fans: Flipkart Axis is best.
- Mixed online shopping: SBI Cashback covers all platforms.
- Food + shopping apps: HDFC Millennia works well.
Tips to Maximise Benefits from Shopping Credit Cards
- Match the right card with the right platform — e.g., Amazon Pay ICICI on Amazon, Flipkart Axis on Flipkart.
- Combine bank festival offers with card cashback for double savings.
- Always clear your bill in full — interest charges cancel out cashback.
FAQs on Shopping Credit Cards
Which is the best shopping credit card in India for 2025?
The SBI Cashback Credit Card is the best overall shopping card for broad online use. For Amazon, go with Amazon Pay ICICI. For Flipkart, Flipkart Axis is better.
Is Amazon Pay ICICI Credit Card really free?
Yes, it is lifetime free with no joining or annual fee, making it one of the best free shopping credit cards in India.
Do shopping credit cards work offline too?
Yes, but cashback is usually higher for online shopping. Offline spends usually earn 1% cashback or reward points.
Final Verdict
If you are looking for the best shopping credit card in India, your choice depends on where you shop most:
- All-round online shopper: SBI Cashback Credit Card
- Amazon loyalist: Amazon Pay ICICI Credit Card
- Flipkart/Myntra shopper: Flipkart Axis Bank Credit Card
- Food + shopping apps: HDFC Millennia Credit Card
Note: Card features, cashback rates, and exclusions can change anytime. Always check the latest details on the official bank website before applying.
💳 Find Your Perfect Credit Card
Not sure which card suits you best? Try our Credit Card Finder Tool and get personalized recommendations in minutes.
Try the Finder Tool 🚀
Leave a Reply