Best Credit Cards for Shopping 2025: Compare Top Shopping Cards in India

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

• 5% cashback for Amazon Prime members
• 3% cashback for Non-Prime members

Exceptions & important exclusions-

• 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
• No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

• Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
• Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

• Rent/property management
• Fuel purchases
• Utility bills
• Insurance payments
• Wallet loads
• School & educational services
• Jewelry purchases
• Railway bookings
• EMI transactions
• Standing instructions
• Cash advances
• Balance transfer
• Non-customer-initiated spending like annual fees, late fees, and other fees & charges
• Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

• ₹5,000 combined across all spending categories. 
• Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

▶︎ 10% cashback on Swiggy apps: 

• Food delivery orders 
• Instamart grocery shopping   
• Dineout restaurant bookings 
• Genie delivery services

Monthly cashback limit: ₹1,500 (reached at ₹15,000 spending)

Important exclusions: Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis

▶︎ 5% cashback on online purchases including Amazon and Flipkart:

• Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
• Department stores, apparel, and home decor
• Electronics
• Local cabs
• Entertainment
• Pharmacies & personal care
• Online pet stores 

Monthly cashback limit: ₹1,500 (reached at ₹30,000 spending)

Important exclusions: 

• Cashback will not be given on any grocery purchases and gift card purchases in the above categories.
• Starting 10th May 2025 onwards, grocery transactions on Amazon and Flipkart (MCC 5411) will also earn 5% cashback

▶︎ 1% basic cashback benefit on all other card spends 

Monthly cashback limit: ₹500 (reached at ₹50,000 spending)

Important exclusions: No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

▶︎ Welcome offer: Up to 12 Month complimentary Swiggy One membership

• All new customers get a 3 month Swiggy One membership
• Customers who apply through the Swiggy app receive extra 9 months of Swiggy One Membership

▶︎ Complimentary golf

• 4 free golf rounds per year (maximum 1 per month) 
• 1 free golf lesson per month
  

10% cashback on PhonePe transactions (including recharges, bills, insurance, travel). 

• Monthly limit: ₹2000 cashback, ₹20,000 spending

5% cashback on online spend 

• Monthly limit: ₹2000 cashback, ₹40,000 spending

1% cashback on UPI transactions (RuPay variant only)

• Monthly limit: ₹2000 cashback, ₹2 lakh spending

4 free domestic airport lounge visits per year

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500-₹4,000

7.50% cashback on Myntra. Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

5% cashback on Cleartrip. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% unlimited cashback on Swiggy, Uber, PVR, Cult Fit

1% cashback on all other card spends 

Important exclusions (no cashback categories):

• Utility & telecom bills
• Education & rent payments
• Wallet loads & government services
• Insurance & gold/jewelry
• Fuel purchases & financial institutions
• Cash advances & loan repayments

EazyDiner restaurants: 15% discount, up to ₹500 per month

• 15% discount, (up to ₹500) at restaurants through EazyDiner
• Minimum order required to avail offer is ₹2500
• Offer valid 1 time per month
• Restaurant bill need to be paid through the EazyDiner app (PayEazy)

1% fuel surcharge waiver (up to ₹400 per month), valid only on fuel transactions between ₹400 and ₹4000

▶︎ 5% cashback at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber

• Monthly cashback limit: ₹1,000 (reached at ₹20,000 spending)
• Note: Gift card/prepaid cards & voucher purchases earn 1% cashback.

▶︎ 1% cashback on other card spends 

Monthly cashback limit - ₹1000, reached at ₹1 lakh spending

Important exclusions include -

• Fuel transactions
• EMI transactions
• Rent payments
• Government transactions
• Wallet loads 
• Education payments through third-party apps

▶︎ Quarterly Milestone Benefit: Spend ₹1 lakh per quarter and choose:

• ₹1,000 gift vouchers from select brands, OR
• Dreamsfolks airport lounge access voucher

▶︎ Up to 10% cashback on travel, shopping, and more – through HDFC Smartbuy platform (maximum cashback of ₹1,000 per month)

• 5% cashback on travel spends: flight bookings, hotel bookings, and bus tickets through RedBus or MakeMyTrip holiday packages.
• 5% cashback on various gift vouchers: shopping, travel, dining, entertainment, and more.
• 5% cashback at select partners: Myntra, Apple Imagine Tresor, Nykaa, and Zoom Car.
• 10% cashback at select partners: Pharmeasy, IGP, and Jockey.

▶︎ 1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5,000

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform:

• 10X (33.3%): Hotels, select partners (Jockey, PharmEasy, IGP.com)
• 5X (16.6%): Flights, buses, holiday packages, gift vouchers, Apple, Myntra, Nykaa
• 3X (10%): IRCTC train bookings

▶︎ Regular Card Spending:

• 1X (3.3%): All other purchases (unlimited earning)

▶︎ Monthly Limits:

Smartbuy categories (3X-10X): 15,000 accelerated reward points limit. Limit reached between ₹50,000 - ₹2.25 lakh monthly spending, depending on category mix - 

• 10X categories: Limit reached at ₹50,000 spending
• 5X categories: Limit reached at ₹1.12 lakh spending
• 3X categories: Limit reached at ₹2.25 lakh spending

Regular spending (1X): No limits

▶︎ Reward Point Values:

• ₹1 per point: Flight/hotel bookings, Apple products, Tanishq 
• ₹0.50 per point: Vouchers and products
• ₹0.30 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

Premium Benefits

▶︎ Airport Lounge Access

• Unlimited domestic & international lounge access 
• Available for add-on cardholders also

▶︎ Golf & Hotels

• Unlimited golf rounds worldwide, unlimited coaching lessons in India
• ITC Hotels: Pay for 2 nights, stay 3. Dining discounts
• Marriott Club membership (1 year): 15-20% F&B discounts, room rate savings

▶︎ Insurance Coverage

• ₹3 crore accidental air death
• ₹50 lakh overseas medical emergency
• ₹9 lakh lost card 
• ₹9 lakh credit shield protection

▶︎ Fuel Surcharge Waiver

• Surcharge waiver up to ₹1,000 per month
• Valid only on fuel transactions between ₹400 and ₹1 lakh

4.50% reward on online spend, 2.25% on offline 

• Online spends: 18 rewards points worth ₹4.50, per ₹100 spent 
• Offline spends: 9 rewards points worth ₹2.25 per ₹100 spent

Value of reward points: Each point valued at ₹0.25 (flight/hotel bookings), value varies on other redemption options

Monthly Reward Caps & Restrictions

• Overall cap: 1 lakh reward points monthly (reached at ₹5.55 lakh spend, even at maximum 4.50% reward rate)
• Utilities cap: 1,250 reward points monthly at reduced 1.25% rate
• Reduced categories (1.25%): Utilities, insurance, education, media & streaming
• No rewards: Fuel, rent, wallet loads, government, EMI, cash withdrawals, fees

Unlimited international airport lounge access (for both primary and add-on cardholders)

Domestic airport lounge access

• 6 visits per quarter (for both primary and add-on cardholders)
• Requires ₹1 lakh spend in the previous quarter.

4 free golf rounds per year (maximum 1 per month) , and 1 free golf lesson per month

Bookmyshow 'Buy One Get One Free' Offer: Free movie tickets (up to ₹800 each), valid 3 times per month 

Low forex fee of 1% on international transactions

Fuel surcharge waiver (up to ₹1000 per month), valid only on  fuel transactions between ₹400 and ₹5000 only

Complimentary insurance benefits

• Lost card liability: ₹15 lakh fraud protection
• Credit shield: ₹15 lakh coverage for dependents in case of cardholder death
• Purchase protection: 6-month coverage for mobile/electronic devices bought online (accidental damage)

Up to 10% Reward on Tata Brands via Tata Neu App

1. 5% Reward on Partner Tata Brands via the Tata Neu App (5 NeuCoins worth ₹5, per ₹100 spent)

2. Additional 5% Reward on Select Tata Brands, as Tata NeuPass Member (5 NeuCoins worth ₹5, per ₹100 spent)

• NeuPass members earn an extra 5 NeuCoins per ₹100, on select Tata brands via the Tata Neu App. 
• Requires downloading the Tata Neu App and registering for NeuPass. 

5% Reward on Bill Payments via Tata Neu App (5 NeuCoins worth ₹5, per ₹100) 

1.50% Reward on Other Card Purchases (1.5 NeuCoins worth ₹1.50, per ₹100) 

1.50% Reward on UPI Spends (RuPay Card)

• 1.5 NeuCoins worth ₹1.50, per ₹100 
• Capped at 500 NeuCoins per month

Value of Reward Points & Redemption

• Reward points earned as NeuCoins
• NeuCoins can be redeemed offline and online at partner Tata brands
• Conversion Rate: 1 NeuCoin = ₹1

Excluded Transactions (No Rewards)

• Fuel purchases & rental transactions
• Government-related payments & wallet loads
• Gift card, prepaid card & voucher purchases
• Education payments through third-party apps 
• Online gaming & betting transactions
• Cash advances & cash withdrawals
• Credit card bill payments, card fees & charges

Participating Tata brands include: 

• Shopping: BigBasket (groceries), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear, jewelry). 
• Travel: Air India, Air India Express (flights), Taj, Ginger, Vivanta, Seleqtions (hotels). 
• Others: Tata Play (entertainment), Cult Fit (fitness), Tata 1mg (healthcare), QMin (food delivery).

Airport Lounge Access

• International: 1 complimentary visit per quarter. 
• Domestic: 2 complimentary visits per quarter. 

From June 10, 2025: Domestic lounge access requires ₹50,000 spend per calendar quarter.

Fuel Surcharge Waiver

• 1% waiver on fuel transactions between ₹400–₹5,000, up to ₹500 per month.

Complimentary Insurance Benefits

• Accidental air death cover: ₹1 crore. 
• Emergency overseas hospitalization: Up to ₹15 lakh. 
• Lost card liability protection: Up to ₹9 lakh.

HDFC Smartbuy Platform Rewards (Up to 6% Cashback)

• 6% Cashback on Hotels
• 1.5% Cashback on Other Travel: Flight booking, IRCTC train tickets, RedBus bus tickets. 
• 1.5% Cashback on Gift Vouchers 
• Select Partners: Flipkart (1.5%), Apple (1.5%), IGP.com (6%). 
• Maximum cashback: ₹1,000 per month, credited as NeuCoins (1 NeuCoin = ₹1).
• NeuCoin Redemption: Redeem at Tata brands (online and offline stores/hotels).

3.75% cashback on travel, online shopping , dining, international transactions 

• 15 reward points worth ₹3.75, per ₹100 spent
• Monthly limit: 5000 reward points worth ₹1250, reached at ₹33,333 monthly spending

0.75% cashback on other card spends

• 3 reward points worth ₹0.75, per ₹100 spent
• Important exclusions: No reward points on fuel, rent, education, government, insurance, charity, and supermarket purchases.

Up to 1% additional cashback, on annual spending milestone (₹5 lakhs)

• 20,000 points worth ₹5000, at ₹5 lakhs yearly card spend (1% reward)

Value of reward points & redemption

• 1 reward point = ₹0.25
• Reward points can be redeemed as cashback

Unlimited domestic lounge access (spending requirement of ₹40,000 in the previous quarter)

Low forex  fee of 2% on international spends, and earn 3.75% cashback on these spends

'Buy One Get One' movie offer: 1 free ticket (up to ₹250), once a month - through Zomato District

6-month FitPass Pro membership (worth ₹15,000)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Personal accidental death cover: Coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

• 33.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
• 16.6% (5X): Flights, buses, holiday packages, Myntra, Nykaa, Zoom Car
• 10% (3X): Gift vouchers, IRCTC train tickets, Apple

▶︎ Regular Card Spending

• 6.6% (2X): Weekend dining at restaurants (Saturday/Sunday, maximum 1,000 points per day)
• 3.3% (1X): All other purchases

▶︎ Monthly Limits

• Smartbuy accelerated rewards: 10,000 points (reached at ₹33,333 - ₹1.5 lakh monthly spending, depending on category mix)
• Weekend dining: 1,000 points per day maximum

▶︎ Reward Point Values

• ₹1.00: Flight/hotel bookings (Smartbuy), airline/hotel loyalty transfers
• ₹0.50: Vouchers and products
• ₹0.30: Cashback redemption

Reward rates assume optimal redemption for travel bookings

Up to 2.5% Additional Reward, at ₹4 lakh quarterly spend

• 2.5% additional reward: 10,000 bonus points worth ₹10,000, at ₹4 lakh quarterly spend
• This is earned on top of your regular rewards across all spending categories

Premium Benefits

▶︎ Travel: Unlimited Airport Lounge Access & More

• Unlimited domestic & international airport lounge access (includes add-on cards)
• 2% forex markup on international transactions
• 24/7 global concierge services

▶︎ Golf: 6 complimentary golf rounds per quarter globally

▶︎ Marriott Club Membership (1 year)

• Up to 25% discount on F&B bills (max 20 guests)
• Up to 20% discount on room rates in India, weekend rates in Asia Pacific
• 20% discount on spa services at select hotels in India
• Up to 20% off F&B at Asia Pacific Marriott hotels, ex-India (max 10 guests)
• Up to 15% off Marriott Bonvoy on Wheels orders
• 1 room upgrade certificate (max 2 nights, India hotels)
• 1 certificate for 30% off best available rate (max 2 consecutive nights)

▶︎ Swiggy One Membership (1 year)

• Dineout restaurants: Up to 40% off, 2 monthly ₹150 coupons (on bills of ₹1500+)
• Food delivery: Free delivery on ₹149+ orders, up to 30% extra discounts, no surge fees
• Instamart groceries: Free delivery on ₹199+ orders, exclusive discounts, no surge fees
• Genie: Flat 10% off delivery fees on all orders

Insurance Coverage

• ₹2 crore accidental air death cover
• ₹50 lakh overseas medical emergency coverage
• ₹9 lakh lost card liability protection
• ₹55,000 baggage delay coverage (8+ hours, international flights)

Additional Benefits

• Exclusive Diners Club offers and privileges
• Premium customer service with dedicated support lines

Up to 20% Rewards on Travel Spending

▶︎ Up to 20% on Travel Spending (5 EDGE Miles per ₹100)

• 5% reward: Flight/hotel bookings via Travel EDGE portal (1 Mile = ₹1)
• 10% reward: Airline/hotel partner points conversion (1 Mile = 2 partner points)
• Up to 20% effective reward: Only on premium partners like Accor 
• Monthly cap: ₹2 lakh travel spending
• Eligible: Direct airline/hotel bookings, Axis Travel EDGE portal

▶︎ Up to 8% on General Spending (2 EDGE Miles per ₹100)

• 2% reward: Travel portal redemptions
• 4% reward: Partner points conversion
• Up to 8% effective reward: Only on premium partner transfers like Accor
• Important Exclusions: Gold/jewelry, rent, wallets, government payments, insurance, fuel, utilities, EMI

▶︎ EDGE Miles Redemption Options

Travel Portal (1 Mile = ₹1)

• Instant redemption for flights and hotels
• Guaranteed value through Axis Travel EDGE portal
• No transfer limits or restrictions

Partner Transfer Program

• Conversion: 1 EDGE Mile = 2 partner points (except Marriott: 1:0.5)
• Annual limit: 1,50,000 EDGE Miles total

Group A Partners (30,000 miles limit): Like Singapore Airlines, Qatar Airways, Marriott, Accor

Group B Partners (1,20,000 miles limit): Like Air India, IHG, Vistara, ITC Hotels

Annual Spend-Based Tiers & Benefits

▶︎ Milestone Rewards (Based on Annual Card Spend)

• Spend ₹3 lakh annually (Silver Tier): 2,500 EDGE Miles bonus
• Spend ₹7.5 lakh annually (Gold Tier): 5,000 EDGE Miles bonus
• Spend ₹15 lakh annually (Platinum Tier): 10,000 EDGE Miles bonus

▶︎ Airport Lounge Access (Based on Annual Card Spend)

International:

• Silver Tier (₹3 lakh annual spend): 4 visits/year
• Gold Tier (₹7.5 lakh annual spend): 6 visits/year
• Platinum Tier (₹15 lakh annual spend): 12 visits/year

Domestic:

• Silver Tier (₹3 lakh annual spend): 8 visits/year
• Gold Tier (₹7.5 lakh annual spend): 12 visits/year
• Platinum Tier (₹15 lakh annual spend): 18 visits/year

Additional Benefits

▶︎ Dining Rewards

• 15% discount on restaurant bills via EazyDiner
• Monthly limit: ₹500 savings per transaction
• Minimum spend: ₹2,500 
• Frequency: Once per month, payment through PayEazy

▶︎ Fuel Surcharge Waiver

• Surcharge waiver: Up to ₹400 per month
• Fuel Transaction range: Between ₹400 - ₹4,000 fuel purchases

▶︎ Rewards on Card Spending (Up to 36% Reward)

Up to 36% Reward on Travel & Gift Vouchers (via ICICI iSHOP platform)

• Hotel bookings: 36% rewards (36 points per ₹100)
• Flight bookings & gift vouchers: 18% rewards (18 points per ₹100)

3% Reward on Other Purchases

• 3 points per ₹100
• Important Exclusions: No rewards on rent, fuel, tax, and government transactions

Monthly Reward Caps

• Flights & Hotels (36% & 18%): 18,000 reward points, reached at ₹54,000-₹1.2 lakh monthly spend
• Grocery purchases: 1,000 reward points
• Utility bill payments: 1,000 reward points 
• Education payments: 1,000 reward points 
• Insurance payments: 5,000 reward points 

Value of Reward Points & Redemption

- Best Value Redemptions (1 point = ₹1)

• Flight and hotel bookings
• Select brand vouchers

- Lower Value Redemptions

• Cashback: 1 point = ₹0.40
• Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits (Upto 0.75% Additional Reward) 

• ₹4 lakh spend: EaseMyTrip voucher worth ₹3,000 (0.75% reward) 
• ₹8 lakh spend: Additional EaseMyTrip voucher worth ₹3,000 (0.75% reward)

▶︎ Premium Lifestyle Benefits

Travel & Golf 

• Unlimited airport lounge access (India & abroad), for primary + 3 add-on cardholders
• Unlimited complimentary golf rounds (India & abroad)
• 2% foreign exchange fee (lower than standard rates)
• Unlimited complimentary golf rounds both in India and abroad

Movies & Entertainment 

• Buy One Get One Free at BookMyShow (up to ₹750 on 2nd ticket)
• 2 tickets per month - for movies, sports, theatre, or concerts

Dining & Fuel

• Ongoing EazyDiner Prime membership
• Fuel surcharge waiver up to ₹1,000 per month

10% cashback on PhonePe spends (utility bills, recharges, travel, movies) 

• 10 reward points worth ₹10, for every ₹100 spent in these categories
• Monthly cashback limit: 1000 reward points, reached at ₹10,000 spending

5% cashback on select online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber)

• 5 reward points worth ₹5, for every ₹100 spent in these categories
• Monthly cashback limit: 500 reward points, reached at ₹10,000 spending

1% cashback on UPI Scan & Pay transactions

• 1 reward points worth ₹1, for every ₹100 spent
• Monthly cashback limit: 500 reward points, reached at ₹50,000 spending

Redemption value of reward points

• Reward points can be converted to cashback (statement credit)
• 1 reward point = ₹1

Important exclusions (no reward points)

• EMI spends (Easy EMI, Smart EMI, Dial an EMI)
• Fuel transactions, Wallet load, Gift Card
• Cash advances, Credit Card bill payment 
• Credit cards fees or any charges, Government transactions 
• Rental payments, Educations fees transactions
• Insurance and Investment, Jewellery purchase
  

Domestic airport lounge access - 2 visits per quarter (spend requirement of ₹75,000 per quarter)

1% fuel surcharge waiver on fuel transactions between ₹400 & ₹5000, and up to ₹250 per month

7.5% cashback on Myntra purchases 

• Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart, Cleartrip 

• Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% cashback on Zomato, Uber, PVR and Netmeds

• Quarterly Cashback Limit: ₹4000, reached at ₹1 lakh spending 

1% cashback on all other eligible purchases (no cap)

• Important exclusions: No rewards on Fuel Spends, Wallet Load, Gift or prepaid card load, Voucher purchase, Cash Advance, Payment of outstanding balance, Payment of card fees and other charges, Rental and Govt. related Transactions, Education payments, Jewelery, Insurance, Gaming, EMI Spends

1% fuel surcharge waiver up to ₹400 per month

Welcome vouchers worth ₹1,250 

• ₹250 Flipkart voucher 
• Limited-time ₹500 each from Flipkart and Cleartrip)

Minimum monthly income 

• ₹15,000 (salaried) 
• ₹30,000 (self-employed)