Best Shopping Credit Cards – Summary Table

Minimum Income Annual Fee – 1st Year Annual Fee – 2nd Year Onwards Special Benefits Other Important Benefits

Amazon Pay ICICI Bank Credit Card

APPLY NOW

Not Specified

Fee : ₹0

Offer : Welcome offers  worth ₹2000 (for Amazon Prime members),  and ₹1500 (for non-Prime members)

Fee : ₹0

5% cashback on Amazon India for Amazon Prime members, 3% cashback on Amazon India for non-Prime members

2% cashback on 100+ Amazon Pay partners

Flipkart Axis Bank Credit Card

APPLY NOW

Salaried : ₹15,000 per month
Self-employed : ₹30,000 per month

Fee : ₹500
Offer : Welcome offer worth ₹600

Fee : ₹500

Offer : Fee waived, if you spend ₹3.50 lakhs or more in the previous year

5% cashback on Flipkart , 4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Tata Play || Cult Fit

Complimentary airport lounge access in India (upto 4 times per year)

HDFC Bank Millennia Credit Card

APPLY NOW

Salaried : ₹35,000 per month
Self-Employed : ₹6 lakhs per year

Fee : ₹1000

Offer : Welcome offer worth ₹1000

Fee : ₹1000

Offer : Fee waived, if you spend ₹1,00,000 or more in the previous year

5% cashback on preferred merchants including Amazon & Flipkart

Complementary visits to domestic airport lounges in India (upto 2 times per quarter)

Cashback SBI Credit Card

APPLY NOW

Not specified

Fee : ₹999

Fee : ₹999

Offer : Fee waived, if you spend ₹2,00,000 or more in the previous year

5% cashback on all online purchases

Bank of Baroda Eterna Credit Card

APPLY NOW

₹12 lakhs per year (for both salaried and self-employed individuals)

₹2499

Offer – Welcome offer worth ₹2499

₹2499

Offer : Fee waived, if you spend ₹2,50,000 or more in the previous year

Over 4% benefit rate on a variety of spends – online shopping, travel, dining, foreign transactions

Unlimited complimentary access to airport lounges in India

Axis Bank REWARDS Credit Card

APPLY NOW

Not Specified

Fee : ₹1,000

Offer : Welcome offer worth ₹1,000

Fee : ₹1,000

Offer : Fee waived, if you spend ₹2 lakhs or more in the previous year

3.20% benefit rate on apparel & department store purchases. Upto 1% additional benefit based on achieving monthly spend target of ₹30,000.

Complimentary visits to airport lounges in India (upto 2 times per quarter)

Standard Chartered Ultimate Credit Card

APPLY NOW

Not specified

Fee : ₹5000

Offer : Welcome offer worth ₹6000

Fee : ₹5000

Offer : Renewal offer worth ₹5000

3.33% benefit on all spends, except 2 specified categories

Complimentary visits to airport lounges in India (upto 4 times per quarter) and abroad (1 time per month)

HDFC Bank INFINIA Credit Card

APPLY NOW

By invite only

Fee : ₹12,500
Offer : Welcome offer worth ₹12,500 & complimentary 1 year Marriott membership

Fee : ₹12,500

Offer : Renewal offer worth ₹12500, on payment of renewal fee

Upto 33.3% benefit rate on various shopping and travel partners, through the ‘HDFC Smartbuy Program’

Unlimited airport lounge access & unlimited golf – in India and abroad

SBI ELITE Credit Card

APPLY NOW

Not specified

Fee : ₹4,999
Offer : Welcome offer worth ₹5,000

Fee : ₹4,999

Offer : Fee waived, if you spend ₹10 lakhs or more in the previous year

3%+ benefit rate on department store purchases, grocery purchases, and dining spends

Complimentary airport lounge access in India (upto 2 times per quarter) & abroad (upto 6 times per year). Complimentary Club Vistara SILVER Membership.

Tata Neu Infinity HDFC Bank Credit Card

APPLY NOW

Salaried : ₹1 lakh per month

Self-employed : ₹12 lakhs per year

Fee : ₹1499

Offer : Welcome offer worth ₹1499

Fee : ₹1499

Offer : Fee waived, if you spend ₹3 lakhs or more in the previous year

10% benefit rate on select Tata brand purchases on Tata Neu app. 5% on partner Tata brands outside the app.

Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter).

Samsung Axis Bank Infinite Credit Card

APPLY NOW

Not Specified

Fee : ₹5,000

Offer : Welcome offer worth ₹6,000

Fee : ₹5,000

Offer : Fee waived, if you spend ₹7 lakhs or more in the previous year

10% benefit rate on Samsung purchases – only on purchase/s upto ₹50,000 per month (on maximum ₹2 lakhs purchases per year)

Complimentary airport lounge access in India (upto 8 times per year)  and abroad (upto 6 times per year).

Shoppers Stop Black HDFC Credit Card

APPLY NOW

Salaried : ₹2 lakhs per month
Self-employed : ₹8 lakhs per year

Fee : ₹4500

Offer : Welcome offer worth ₹6000

Fee : ₹4500

Offer : Renewal offer worth ₹4500

6%-8% benefit on shopping at Shoppers Stop (8% on on Shoppers Stop private label brands, 6% on all other brands)

Complimentary airport lounge access in India (upto 4 times per quarter) and abroad (upto 2 times per quarter).

Minimum Income Annual Fee – 1st Year Annual Fee – 2nd Year Onwards Special Benefits Other Important Benefits

Amazon Pay ICICI Bank Credit Card

APPLY NOW

Not Specified

Fee : ₹0

Offer : Welcome offers  worth ₹2000 (for Amazon Prime members),  and ₹1500 (for non-Prime members)

Fee : ₹0

5% cashback on Amazon India for Amazon Prime members, 3% cashback on Amazon India for non-Prime members

2% cashback on 100+ Amazon Pay partners

Flipkart Axis Bank Credit Card

APPLY NOW

Salaried : ₹15,000 per month
Self-employed : ₹30,000 per month

Fee : ₹500
Offer : Welcome offer worth ₹600

Fee : ₹500

Offer : Fee waived, if you spend ₹3.50 lakhs or more in the previous year

5% cashback on Flipkart , 4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Tata Play || Cult Fit

Complimentary airport lounge access in India (upto 4 times per year)

HDFC Bank Millennia Credit Card

APPLY NOW

Salaried : ₹35,000 per month
Self-Employed : ₹6 lakhs per year

Fee : ₹1000

Offer : Welcome offer worth ₹1000

Fee : ₹1000

Offer : Fee waived, if you spend ₹1,00,000 or more in the previous year

5% cashback on preferred merchants including Amazon & Flipkart

Complementary visits to domestic airport lounges in India (upto 2 times per quarter)

Cashback SBI Credit Card

APPLY NOW

Not specified

Fee : ₹999

Fee : ₹999

Offer : Fee waived, if you spend ₹2,00,000 or more in the previous year

5% cashback on all online purchases

Bank of Baroda Eterna Credit Card

APPLY NOW

₹12 lakhs per year (for both salaried and self-employed individuals)

₹2499

Offer – Welcome offer worth ₹2499

₹2499

Offer : Fee waived, if you spend ₹2,50,000 or more in the previous year

Over 4% benefit rate on a variety of spends – online shopping, travel, dining, foreign transactions

Unlimited complimentary access to airport lounges in India

Axis Bank REWARDS Credit Card

APPLY NOW

Not Specified

Fee : ₹1,000

Offer : Welcome offer worth ₹1,000

Fee : ₹1,000

Offer : Fee waived, if you spend ₹2 lakhs or more in the previous year

3.20% benefit rate on apparel & department store purchases. Upto 1% additional benefit based on achieving monthly spend target of ₹30,000.

Complimentary visits to airport lounges in India (upto 2 times per quarter)

Standard Chartered Ultimate Credit Card

APPLY NOW

Not specified

Fee : ₹5000

Offer : Welcome offer worth ₹6000

Fee : ₹5000

Offer : Renewal offer worth ₹5000

3.33% benefit on all spends, except 2 specified categories

Complimentary visits to airport lounges in India (upto 4 times per quarter) and abroad (1 time per month)

HDFC Bank INFINIA Credit Card

APPLY NOW

By invite only

Fee : ₹12,500
Offer : Welcome offer worth ₹12,500 & complimentary 1 year Marriott membership

Fee : ₹12,500

Offer : Renewal offer worth ₹12500, on payment of renewal fee

Upto 33.3% benefit rate on various shopping and travel partners, through the ‘HDFC Smartbuy Program’

Unlimited airport lounge access & unlimited golf – in India and abroad

SBI ELITE Credit Card

APPLY NOW

Not specified

Fee : ₹4,999
Offer : Welcome offer worth ₹5,000

Fee : ₹4,999

Offer : Fee waived, if you spend ₹10 lakhs or more in the previous year

3%+ benefit rate on department store purchases, grocery purchases, and dining spends

Complimentary airport lounge access in India (upto 2 times per quarter) & abroad (upto 6 times per year). Complimentary Club Vistara SILVER Membership.

Tata Neu Infinity HDFC Bank Credit Card

APPLY NOW

Salaried : ₹1 lakh per month

Self-employed : ₹12 lakhs per year

Fee : ₹1499

Offer : Welcome offer worth ₹1499

Fee : ₹1499

Offer : Fee waived, if you spend ₹3 lakhs or more in the previous year

10% benefit rate on select Tata brand purchases on Tata Neu app. 5% on partner Tata brands outside the app.

Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter).

Samsung Axis Bank Infinite Credit Card

APPLY NOW

Not Specified

Fee : ₹5,000

Offer : Welcome offer worth ₹6,000

Fee : ₹5,000

Offer : Fee waived, if you spend ₹7 lakhs or more in the previous year

10% benefit rate on Samsung purchases – only on purchase/s upto ₹50,000 per month (on maximum ₹2 lakhs purchases per year)

Complimentary airport lounge access in India (upto 8 times per year)  and abroad (upto 6 times per year).

Shoppers Stop Black HDFC Credit Card

APPLY NOW

Salaried : ₹2 lakhs per month
Self-employed : ₹8 lakhs per year

Fee : ₹4500

Offer : Welcome offer worth ₹6000

Fee : ₹4500

Offer : Renewal offer worth ₹4500

6%-8% benefit on shopping at Shoppers Stop (8% on on Shoppers Stop private label brands, 6% on all other brands)

Complimentary airport lounge access in India (upto 4 times per quarter) and abroad (upto 2 times per quarter).

Best Shopping Credit Cards – More Details & Compare Cards

To compare cards, please follow the below steps :
Step 1 : Please click the small box on the top right side, for each of the cards that you want to compare.
Step 2 : You will see a line shaded in green (Selected Cards for Comparison) on the bottom right of the page, which will appear once you select the cards you want to compare.
Step 3 : Please click this line (Selected Cards for Comparison) , and you will see the word – Compare (shaded in green).
Step 4 – Please click on the word ‘Compare’ , which will take you to the comparison table.

BEST FOR AMAZON INDIA PURCHASES
on Amazon India website
Amazon Pay ICICI Bank Credit Card
Our Rating      4.5
Rewards Rate
5%
Cashback on Amazon India - for Amazon Prime members
3%
Cashback on Amazon India - for Non-Prime members
2%
Cashback on 100+ Amazon Pay partners
1%
Cashback on all other spends
Annual Fee

₹0

Annual Fee Offers

✓ Welcome offer : Amazon Prime members get welcome offers worth ₹2000 , Non-Prime members get welcome offers worth ₹1500

Minimum Income

Not Specified


3%-5% cashback on Amazon India :
– Amazon Prime members : Earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on spending
– All

3%-5% cashback on Amazon India :
– Amazon Prime members : Earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on spending
– All Others : Earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on spending
– Important exceptions : 2% cashback – on digitally fulfilled categories like Amazon Pay wallet loads, flight bookings, bill payments, recharges, Ebooks , Amazon Pay Gift Cards. No cashback – on fuel spends, jewellery purchases, EMI purchases including purchases which are converted to EMI later, Amazon business transactions.

2% cashback on 100+ Amazon Pay partners : Earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants – no monthly limit on spending.  Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc

1 % cashback on all other spends : Earn ₹1 on every ₹100 you spend on all other purchases

1% fuel surcharge waiver : Fuel surcharge waiver at all fuel stations , on all fuel transactions upto ₹4,000

Welcome benefits (limited time offer) through Amazon account –
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1,500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

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Benefits
– Very good benefit rate for people who like to shop on Amazon India – 5% unlimited cashback (for Prime users) and 3% unlimited cashback (for non-Prime users).
– 2% unlimited cashback rate on over 100+ Amazon Pay Partners provides more opportunities to earn rewards.
– Not only is the Amazon Pay ICICI Bank Credit Card  free for life, it also has very good welcome offers.
– High cashback rewards on Amazon have no monthly spending limit to earn these rewards, unlike many other credit cards in the market. Hence it is easier to understand since you don’t have to track your monthly credit card purchases to benefit from high reward rates.

Drawbacks
– For consumers who do not shop too much on Amazon or prefer in-store shopping, the cashback rate of 1% is not attractive.
– No lifestyle benefits such as complimentary airport lounge access
– 5% cashback is restricted to Prime members only

BEST FOR FLIPKART PURCHASES
on Axis Bank website
Axis Bank Flipkart Credit Card
Our Rating      4.5
Rewards Rate
5%
Cashback on Flipkart
4%
Cashback on preferred merchants - Swiggy || Uber || PVR || Cleartrip || Tata Play || Cult Fit
1.50%
On all other purchases
✔︎
Complimentary airport lounge access in India - upto 4 times per year
Annual Fee

₹500

Annual Fee Offers

✓ Welcome offer of ₹600 : Flipkart vouchers worth ₹500 || 50% discount on Swiggy (upto ₹100)

✓ Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3.50 lakhs or more in the previous year.

Minimum Income

Salaried : ₹15,000 per month
Self-employed : ₹30,000 per month


5% cashback on Flipkart : Earn ₹5 on every ₹100 you spend on Flipkart. There is no limit on the spending amount, to earn these rewards.

4% cashback on preferred merchants – Swiggy

5% cashback on Flipkart : Earn ₹5 on every ₹100 you spend on Flipkart. There is no limit on the spending amount, to earn these rewards.

4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Tata Play || Cult Fit : Earn ₹4 on every ₹100 you spend on these preferred merchants. There is no limit on the spending amount, to earn these rewards.

1.50% cashback on all other spends

Airport lounge access in India : Complementary domestic airport lounge access – upto 4 times per year

1% fuel surcharge waiver : Fuel surcharge waiver is applicable at all fuel stations on :
– Only on fuel transactions between ₹400 and ₹4,000 only AND
– Only on upto fuel purchases of ₹40,000 per month (since benefit is capped at ₹400 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

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Benefits
– 5% unlimited special cashback on Flipkart purchases
– 4% unlimited special cashback rate on specific merchants, such as Swiggy, Uber, PVR, Cleartrip, Tata Play, Cult Fit
– Complimentary airport lounge access at selected domestic airports – 4 per calendar year. This is not very common on cards with a similar low annual fee
– Welcome offers worth ₹600

Drawbacks
– High annual spend target (₹2,00,000) to get renewal fee waiver. However, this card provides many opportunities to earn rewards, making it possible to achieve this annual spend target of ₹2 lakhs.

BEST FOR AMAZON, FLIPKART & OTHER SELECT ONLINE MERCHANTS
on HDFC Bank website
HDFC Millennia Credit Card
Our Rating      4.0
Rewards Rate
5%
5% cashback on 10 merchants , including Amazon and Flipkart
1%
1% cashback on all other spends
Upto 1%
Additional benefit based on achievement of quarterly card spend targets ( ₹1,000 gift vouchers on ₹1 lakh quarterly spend target)
✔︎
Complementary visits to domestic airport lounges in India - upto 2 times per quarter
Annual Fee

₹1,000

Annual Fee Offers

✓ Welcome Offer : You get 1000 CashPoints worth ₹1,000 on the payment of the joining fee. Additionally, you also get a limited period joining offer worth ₹1500 (in the form of Amazon vouchers), when applying for the card online. Click here for details.

✓ Renewal Offer : Renewal fee is not charged, if you spend ₹1,00,000 or more in the previous year

Minimum Income

Salaried : ₹35,000 per month
Self-Employed : ₹6 lakhs per year


5% cashback on preferred merchants – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
You earn ₹5 , on ever

5% cashback on preferred merchants – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
You earn ₹5 , on every ₹100 you spend on these 10 specific merchants – only on purchases upto ₹20,000 per month
Exceptions :
– 5% cashback on these select merchants given only for non-EMI spends on these merchants. EMI transactions (at merchant location) & wallet loads at these merchants will be considered under the 1% basic cashback category.
– All gift card/ prepaid card loads & voucher purchase transactions are considered under the 1% basic cashback category.

1% cashback on all other spends : You earn ₹1 , on every ₹100 you spend on all other purchases – only on purchases upto ₹1,00,000 per month
Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone related benefits : Additional benefits based on achievement of quarterly spend targets
– If you spend ₹1 lakh or more in a calendar quarter, you will receive gift vouchers worth ₹1,000.

Complementary visits to domestic airport lounges in India – 2 times per quarter
– For Mastercard, Visa and Rupay card variants , please click below for details
Airport Lounge Details – Mastercard, Visa & Rupay Cards
– For Diners Club card variants , please click below for details
Airport Lounge Details – Diners Card

1% fuel surcharge waiver : Fuel surcharge waiver at all fuel stations –
– Only on fuel transactions between ₹400 and ₹5,000
– Only on fuel purchases upto ₹25000 per month
– Both conditions above need to be met to avail surcharge waiver

Attractive dining program – in partnership with Swiggy & Dineout
– 20% discount on restaurant bill payments at over 20,000 restaurants – via Swiggy Dineout.
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹1500.

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Benefits
– 5% cashback at important and relevant merchants including Amazon & Flipkart – catering to your shopping, entertainment and other needs
– Attractive annual free related offers – while the first year annual fee is compensated by joining benefits, the credit card is virtually free if you spend ₹1 lakh or more in a year.
– Free visits (2 per quarter) to airport lounges in India.

Drawbacks
– Not a good credit card for those who do not like to spend online, and like in-store shopping and spending
– 5% cashback is restricted to certain merchants
– Monthly spend limit of ₹20,000 – to earn 5% cashback on the given set of 10 merchants

BEST FOR ONLINE PURCHASES
on SBI Card website
Our Rating      4.5
Rewards Rate
5%
Cashback on all online spends
1%
Cashback on all other spends
✔︎
Maximum ₹5000 cashback per month - on all spends
Annual Fee

₹999

Annual Fee Offers

✓ Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹2 lakhs or more in the previous year

✓ Welcome offer maybe available from time to time , usually only for online applications

Minimum Income

Not specified


5% cashback on all online spends , 1% cashback on all other spends
– You earn ₹5 , on every ₹100 you spend on online transactions. You earn ₹1 , on every ₹100 y

5% cashback on all online spends , 1% cashback on all other spends
– You earn ₹5 , on every ₹100 you spend on online transactions. You earn ₹1 , on every ₹100 you spend on all other purchases.
– Exceptions : No cashback given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5,000 per month.

1% fuel surcharge waiver
– Only on fuel transactions between ₹500 and ₹3,000 AND
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

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Benefits
– Good card for those comfortable with online shopping – high rate of 5% accelerated cashback on all online purchases. Other online shopping cashback cards offering high cashback may have some restrictions in terms of offering cashback only on certain merchants.
– Although the card does not have welcome offers, and a high renewal fee spend waiver of ₹2 lakhs per year, the high cashback rate on a very wide category of purchases may make it possible to achieve this renewal fee waiver target of ₹2 lakhs, as well as make up for lack of welcome offers

Drawbacks
– Not a good card for those who are not comfortable with online shopping , since cashback rate of 1% is low for such purchases
– High annual spend target (₹2,00,000) to get  renewal fee waiver.

BEST FOR HIGH REWARD RATE ON A VARIETY OF SPENDS & GOOD LIFESTYLE BENEFITS
on BOB Financial website
Bank of Baroda Eterna Credit Card
Our Rating      4.0
Rewards Rate
3.75%
On ‘online shopping’, travel spends, dining spends, and international spends
0.75%
On all other spends
Upto 1.50%
Upto 1.50% additional benefit , through the milestone program (by achieving various card spend targets)
✔︎
Unlimited complimentary access to airport lounges in India
✔︎
Complimentary golf rounds (upto 4 per year) & golf lessons (upto 12 per year)
Annual Fee

₹2499

Annual Fee Offers

✓ Welcome offer : 1st year annual fee is waived off, if you spend ₹25000 or more within 60 days of card issuance

✓ Renewal offer : Renewal fee is not charged if you spend ₹2,50,000 or more in the previous year

Minimum Income

₹12 lakhs per year (for both salaried and self-employed individuals)


3.75% special benefit on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (since 1 reward point = ₹0.25)

3.75% special benefit on ‘on

3.75% special benefit on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (since 1 reward point = ₹0.25)

3.75% special benefit on ‘online shopping’ (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on ‘online shopping’ (since 1 reward point = ₹0.25)

3.75% special benefit on dining spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (since 1 reward point = ₹0.25)

3.75% special benefit on international transactions (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend outside India (since 1 reward point = ₹0.25)

0.75% basic benefit on all other spends : You earn 3 reward points worth ₹0.75 (75 paise), on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25), except the below 2 categories –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1.5 reward points worth 37 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Milestone privileges : Upto 1.50% additional benefit – on achieving 2 spend targets
You earn –
– 10,000 points worth ₹2,500 – at ₹50,000 spend target, within 60 days of card issuance date
– 20,000 points worth ₹5000 – at 5 lakhs yearly spend
Hence  you can earn a total of 30,000 bonus reward points worth ₹7,500, if you reach both the above spend targets on your card

Unlimited complimentary visits to airport lounges in India : You enjoy unlimited domestic lounge access throughout India.

Low foreign exchange conversion fee of 2% – on international spends : You enjoy a reduced forex markup fee of 2% on international transactions, while you earn 3.75% benefit rate on these spends

1 complimentary movie ticket per month – at Paytm Movies : You get Buy One Get One Free Movie Offer (BOGO) – at Paytm Movies
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 off
– You can enjoy this offer maximum 1 time per month
Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership : You get a 6-month FitPass Pro membership worth ₹15,000.

Complimentary golf rounds & golf lessons :
Cardholders who have Mastercard version of card-
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)

Cardholders who have Visa version of card
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹5,000 AND
– only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Complementary personal accidental death cover : You get a complimentary ‘personal accidental death cover’ (in the unfortunate event of death during travel) – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.

 

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Benefits
– Good benefit rate of 3.75% on various categories – travel, online spending, dining & international spending.
– You have the opportunity to earn upto 1.50% more, if you spend ₹5 lakhs or more within a year – through the milestone benefits program. Hence you have the opportunity to earn around 4-5% on a large part of your spending needs
– Simple & easy to understand redemption process – you can convert your reward points to cashback through a simple online process
– Attractive lifestyle & fitness benefits – complementary golf rounds & golf lessons , as well as gym memberships
– Unlimited free lounge access in India
– You earn a high 3.75% benefit rate on international spending, while you enjoy reduced fee of 2% on foreign spends
– Complimentary personal accidental death insurance coverage providing financial protection to your family – coverage of ₹1 crore for air travel and ₹10 lakhs for non-air travel

Drawbacks to consider
– Complimentary access to airport lounges located outside of India is not available.
– Benefit rate for offline shopping (for example in-store shopping and other face-to-face transactions) is low

BEST FOR DEPARTMENT STORE & APPAREL PURCHASES
on Axis Bank website
Axis Bank REWARDS Credit Card
Our Rating      4.0
Rewards Rate
3.20%
Special benefit on apparel & department store purchases - on upto purchases of ₹7,000 per month
0.32%
On all other purchases
Upto 1%
Additional benefits based on milestone achievement - reward points worth ₹300 on achieving monthly spend target of ₹30,000
✔︎
Complimentary visits to airport lounges in India (upto 2 times per quarter)
Annual Fee

₹1,000

Annual Fee Offers

✓ Welcome offer : You receive 5000 EDGE REWARD Points worth ₹1000,  if you spend ₹1000 or more within 30 days of card issuance.
✓ Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹2 lakhs or more in the previous year.

Minimum Income

Not Specified


3.20% special benefit on apparel & department store purchases : You earn 16 EDGE REWARD Points worth ₹3.20 , on every ₹100 you spend at department stores and on apparel pur

3.20% special benefit on apparel & department store purchases : You earn 16 EDGE REWARD Points worth ₹3.20 , on every ₹100 you spend at department stores and on apparel purchases. This accelerated earning rate is given only on purchases upto ₹7,000 per month in this category.

0.32% basic benefit on all other card spends : You earn 1.60 EDGE Reward points worth ₹0.32 (32 paise), on every ₹100 you  spend on all other purchases

Additional milestone benefits – upto 1% : You earn a bonus of 1500 EDGE REWARD Points worth ₹300 , when you spend ₹30,000 or more during your monthly card statement cycle.

Complimentary visits to airport lounges in India – upto 2 times per quarter : You get 2 complimentary lounge visits per quarter. For details, click here and see participating lounges for set A.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹400 and ₹5,000 AND
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle

Upto 30% discount on Swiggy – 2 times per month
– You get 30% discount on Swiggy, upto ₹150 discount per order. To avail this discount, a minimum transaction value of ₹200 is required.
– Hence you shall get a 30% discount , on Swiggy orders between ₹200 and ₹500. On orders above ₹500, your discount% will fall below 30% since the maximum discount is capped at ₹150.
– You can avail the above offer 2 times per month.

Complimentary insurance benefits
– ₹1 lakh purchase protection cover
– US$ 300 coverage for loss of travel documents and check-in baggage delay
– US$ 500 coverage for check-in baggage loss
– ₹1 lakh credit shield cover

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Benefits
– Attractive benefit rate on offline shopping also – at department stores and on apparel purchases. Since many cards in the marketplace give high rewards only on online shopping.
– 1st year annual fee covered by welcome benefits
– Complimentary lounge access and Swiggy benefits

Drawbacks
– High benefit rate at department stores and on apparel purchases restricted to monthly spends of ₹7,000 only
– High annual card spend target (of ₹2 lakhs) to receive annual fee waiver from second year onwards

BEST FOR FLAT RATE (3.33%) BENEFIT ON MOST CARD SPENDS
on Standard Chartered Bank website
Standard Chartered Ultimate Credit Card
Our Rating      4.0
Rewards Rate
3.33%
On all spends , except categories mentioned below
2%
On utilities, supermarkets, insurance, property management, schools & government payments
✔︎
Complimentary visits to airport lounges in India (4 times per quarter), and abroad (once per month)
✔︎
1 complimentary golf round per month, AND 1 complimentary golf lesson per month
✔︎
Reduced 2% fee on foreign transactions
Annual Fee

₹5,000

Annual Fee Offers

✓ Welcome Offer : You get 6,000 reward points worth ₹6,000, on payment of the joining fees within 60 days of card issuance.

✓ Renewal Offer : From the second year onwards – you earn 5,000 reward points worth ₹5,000, on paying the annual fee

Minimum Income

Not specified


3.33% benefit on all spends (except the 2 categories mentioned below) : You earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card (since 1 reward point =

3.33% benefit on all spends (except the 2 categories mentioned below) : You earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card (since 1 reward point = ₹1)

2% benefit on utilities, supermarkets, insurance, property management, schools & government payments : You earn 2 reward points worth ₹2,, on every ₹100 you spend on your card (since 1 reward point = ₹1)

No reward points on fuel purchases 

1 complimentary golf round per month, AND 1 complimentary golf lesson per month : Program is brought to you through Golflan. All bookings need to be made through Golflan. For list of applicable golf courses and all terms and conditions, please look at the last section of the enclosed document – SCB Golflan Golf Program

Complimentary visits to airport lounges in India – upto 4 times per quarter : This program is brought to you by Visa

Complimentary visits to airport lounges outside India – 1 time per month : You get complimentary Priority Pass membership worth USD 99 per year. You also get 1 free visit per month, if the minimum card spend in the previous month is ₹20,000.

5% cashback on aiirport duty-free spends : You earn 5% cashback on duty-free spends, on duty free spends of upto ₹20,000 per month (since maximum cashback is restricted to ₹1,000 per monthly card statement cycle)

2% foreign transaction fee : You enjoy reduced foreign currency fee of 2%, on the value of all foreign currency transactions

Insurance covers
✓ Air Accident Insurance : The Standard Chartered Ultimate Credit Card provides an accidental air death cover worth ₹1 Crore
✓ Travel Insurance Policy : In case of emergencies during travel, the card offers various kinds of coverage, such as
– Baggage delay: Sum insured of USD100
– Loss of baggage & personal documents: Sum insured of USD 750
– Flight delay: Sum insured of USD 200
– Emergency medical expenses: Sum insured of USD 25,000
For full details & terms & conditions, please refer here.

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Benefits
– Competitive flat reward rate between 2% – 3.33% on a vast range of spends
– Complimentary airport lounge access, both in India and abroad
– Complimentary golf rounds & golf lessons

Drawbacks
– Low reward rate of 2% on supermarket shopping, one can earn higher reward rates on shopping on various cards

BEST FOR SUPER PREMIUM BENEFITS AND HIGH REWARD RATES
on HDFC Bank website
Our Rating      4.50
Rewards Rate
3.3% (X)
Benefit rate on all purchases
10% (3X)
Benefit rate on Flipkart purchases and on rail ticket bookings
16.6% (5X)
Benefit rate on buying instant vouchers, flights & bus booking, and on Apple purchases
33.3% (10X)
Benefit rate on hotels booking, and purchases on gifting website IGP.com
✔︎
Unlimited complimentary airport lounge access in India and abroad
✔︎
Unlimited complimentary golf rounds and golf lessons, on selected golf courses in India and abroad
Annual Fee

₹12,500

Annual Fee Offers

✓ Welcome Offer : Welcome offer worth ₹12,500, and complimentary 1 year Marriott membership

✓ Renewal Offer : You get 12,500 reward points worth ₹12,500, on payment of renewal fee

Minimum Income

By invite only


1% – 3.33% basic benefit rate on all purchases.
■ 3.33% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tan

1% – 3.33% basic benefit rate on all purchases.
■ 3.33% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 1.66% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 1% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.
Note – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions

3% – 10% special benefit rate on
– Flipkart purchases
– rail tickets bookings
(done via HDFC Smartbuy platform)
■ 10% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 5% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 3% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

5% – 16.6% special benefit rate on
– buying instant vouchers
– flights & bus booking
– Apple purchases
(done via HDFC Smartbuy platform)
■ 16.6% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 8.3% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 5% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

10% – 33.33% special benefit rate on
– hotels booking
– purchases on gifting website – IGP.com
(done via HDFC Smartbuy platform)
■ 33.3% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 16.6% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 10% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

Limits & Restrictions on 3X-10X accelerated rewards : You can earn a maximum of 15,000 special reward points per calendar month on the 3X – 10X categories described above.

Unlimited complimentary airport lounge access – both within India and abroad :
– You enjoy unlimited complimentary lounge access at airports within and outside India.
– International lounge access is available at 1,000+ airport lounges using Priority Pass. This benefit is also available for add on cardholders.

Unlimited free golf rounds in India & abroad. And unlimited free coaching lessons in India :
– You enjoy unlimited complimentary golf games at top courses across India , and select courses worldwide.
– Additionally, you enjoy unlimited complimentary golf coaching at chosen golf courses in India.

Hotel & dining with ITC Hotels :
– You can enjoy a 3-night stay at participating ITC hotels, and only pay for two nights.
– Additionally, you get a 1+1 complimentary buffet offer at participating ITC Hotels across India.

Club Marriott Membership for 1 year : You receive a complimentary one-year Club Marriott Membership, granting you exclusive privileges such as:
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at select participating Marriott hotels in India, from Monday to Friday.

Complimentary insurance benefits 
– accidental air death cover worth ₹3 crore
– emergency overseas hospitalisation coverage of up to ₹50 lakhs
– lost card liability cover of up to ₹9 lakhs.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹1,00,000 AND
– on upto ₹1,00,000 fuel spend per month, since the maximum waiver is capped at ₹1000 per monthly card statement cycle

Dining benefits : You get a 15% discount (capped at ₹1000) on all bill payments via Swiggy Dineout at 20,000+ restaurants , and a complimentary Swiggy One Membership Upgrade.

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Benefits
– One of the best premium cards in the market – unlimited basic benefit rate of 3.3%, and especially attractive 3X-10X rewards program (upto 33.3% benefit rate) with various shopping and travel partners
– Excellent lifestyle perks like free unlimited lounge access, unlimited golf, complimentary hotel partnerships with ITC Hotels & Club Marriott

Drawbacks to consider
– HDFC Bank INFINIA Credit card is available only through invitation
– Reward rates are very attractive, only if you redeem your reward points for flight & hotel bookings, or at select shopping partners like Apple products & Tanishq. So you will will benefit in most cases, only if you are a frequent traveller

BEST FOR FACE-TO-FACE (IN-STORE) SHOPPING
on SBI Card website
SBI ELITE Credit Card
Our Rating     3.75
Rewards Rate
2.50%
On departmental stores, grocery and dining spends - no monthly limits on this special earning rate
0.50%
On all other purchases - no monthly earning limit
Upto 1.50%
Additional benefit , linked to achievement of 4 yearly card spend targets
✔︎
Complimentary airport lounge access in India (upto 2 times per quarter) and abroad (upto 6 times per year)
Annual Fee

₹4,999

Annual Fee Offers

✓ Welcome offer : Welcome gift vouchers worth ₹5,000 (from brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop), which covers your first year annual fee

✓ Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹10,00,000 or more in the previous year.

Minimum Income

Not specified


2.50% special benefit – on departmental stores, grocery and dining spends : You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining, departmental stores, and

2.50% special benefit – on departmental stores, grocery and dining spends : You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining, departmental stores, and grocery spends. 1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback.

0.50% basic benefit on all other purchases : You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases, except fuel purchases. On fuel purchases, you earn no reward points. 1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback.

Milestone Privileges : Upto 1.50% additional benefit – on achieving 4 yearly spend targets : You earn –
▪︎
10,000 points worth ₹2,500 – at 3 lakhs yearly spend
▪︎ Additional 10,000 points worth ₹2,500 – at 4 lakhs yearly spend
▪︎ Additional 15,000 points worth ₹3,750 – at 5 lakhs yearly spend
▪︎ Additional 15,000 points worth ₹3,750 – at 8 lakhs yearly spend
(1 reward point = ₹0.25 or 25 paise)
Hence you can earn a total of 50,000 points worth ₹12,500 – at 8 lakhs yearly spend.
(1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback).

Complimentary visits to airport lounges in India – upto 2 times per quarter
– If you have the Visa version of SBI Elite Credit Card, please click here for details
– If you have the Mastercard version of SBI Elite Credit Card, please click here for details
– If you have the American Express version of SBI Elite Credit Card, please click here for details

Complimentary visits to airport lounges outside India – upto 6 times per year
– The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world, and has tie ups with more than 1000 airport lounges worldwide
– You get complimentary Priority Pass Membership worth $99
– You get 6 free airport lounge visits per year, with a maximum of 2 visits per quarter

Low fee of 1.99% – on international spends : You enjoy one of the lowest foreign transaction fee of 1.99%, on the value of all foreign currency transactions

Complimentary Club Vistara SILVER Membership
– You enjoy a complimentary Club Vistara Silver membership (instead of Club Vistara Base membership for new joinees), which comes with exclusive benefits.
– You receive 1 complimentary upgrade voucher
– You earn 9 Club Vistara Points for every ₹100 spent on your Vistara flights
– Priority airport check-in – at premium economy check-in counter
– Increased check-in baggage allowance
– For full list of benefits, please click here – Club Vistara Silver VS Base membership

Complimentary Trident Privilege membership : You enjoy a complimentary Trident Privilege Red Tier membership, along with exclusive perks & benefits
– You enjoy 10% instant savings on bookings made through the hotel website.
– Upon registration, you receive 1000 welcome points as a bonus.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent (excluding taxes)

2 complimentary movie tickets per month – at Bookmyshow : You get Buy One Get One Free Movie Offer (BOGO) – at Bookmyshow
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 discount
– You can enjoy this offer maximum 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹500 and ₹3,000 AND
– only on upto ₹25000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Fraud Liability Cover : You get a complimentary credit card fraud liability cover – of ₹1 lakh.

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Benefits
– Attractive benefit rate on department store, grocery and dining spends – you could earn over 3.50% benefit rate if you achieve milestone related targets. Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends.
– Attractive travel benefits like complimentary airport lounge access in India and abroad, low foreign exchange conversion fee, complimentary Club Vistara Silver membership.
– Easy redemption of reward points – since reward points can be converted to cashback and paid into your monthly card statement.
– Complimentary credit card fraud liability cover of ₹1 lakh. This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders.

Drawbacks
– High annual spend target of ₹10 lakhs, to get annual fee waiver from second year onwards.
– Reward rate on travel spends is low, hence frequent travellers may need to look at other premium travel cards.

BEST FOR SHOPPING/SPENDING ON VARIOUS TATA BRANDS
on HDFC Bank website
Our Rating      4.0
Rewards Rate
10%
Upto 10% benefit on partner Tata brands - only on Tata Neu app
5%
On partner Tata brands
1.50%
On all other spends
1.50%
On UPI spends (on Rupay card version)
✔︎
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter). 
Annual Fee

₹1499

 

 

Annual Fee Offers

✓ Welcome offer : You get 1499 NeuCoins worth ₹1499 , on doing your 1st card transaction within 30 days of card issuance.
✓ Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹3 lakhs or more in the previous year.

Minimum Income

Salaried : ₹1 lakh per month

Self-employed : ₹12 lakhs per year


✔︎ 5% benefit on Tata Neu spends : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.

Additional 5% benefit on Tata

✔︎ 5% benefit on Tata Neu spends : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.

Additional 5% benefit on Tata Neu spends, as a Neu Pass member :
▪︎ As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.​ For details on the Tata NeuPass, please click here.
▪︎ To see categories & Tata brands on which these additional benefits are available, please click here . Some examples:
– Grocery : BigBasket
– Fashion & accessories : Titan, Tata CLiQ, Westside
– Electronics : Croma
– Travel : Taj group of hotels, Air India, Air Asia
– Food delivery & healthcare : Tata 1 mg, Q Min

Hence you could earn upto 10 NeuCoins worth ₹10, on every ₹100 you spend on Tata Neu – on select categories as shown above.

On below 3 categories, you can earn a maximum benefit of 5% on Tata Neu, even as a Neu Pass member :
Bill payments : Tata Pay
Jewellery : Tanishq
Entertainment : Tata Play
Fitness : Cult Fit

✔︎ 5% special benefit on select Tata brands : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets). This is valid only on non-EMI purchases only. Please click here for the list of partner Tata brands.

✔︎ 1.50% basic benefit on all other purchases : You earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on all other purchases

✔︎ 1.50% benefit on UPI spends (on Rupay card version) : You earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month. For more information on UPI spending on RuPay credit cards, click here.

✔︎ Complimentary visits to airport lounges outside India – 1 time per quarter –
– For the Visa variant of the Card, this program is brought to you by Priority Pass. For list of available lounges, please click here – Priority Pass Lounge Details
– For Rupay variant of the card, please click here for a list of available lounges and other important terms and conditions

✔︎ Complimentary visits to airport lounges in India – upto 2 times per quarter : This is applicable for both Visa and Rupay variants of the Card.  For latest list of lounges and all terms and conditions, please click here- Domestic Lounges for HDFC Tata Neu Infinity Credit Card

✔︎ 1% fuel surcharge waiver : You get a 1% fuel surcharge waiver , at all fuel stations across India – only on fuel transactions between ₹400 and ₹5000, AND on upto ₹50,000 of fuel purchases per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

✔︎ Complimentary Insurance Benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

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Benefits
– Very good card choice for those who like to shop at various Tata brands.
– Complimentary airport lounge access both in India and abroad
– 1.5% rewards even on UPI spends, on Rupay variant of the card

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

BEST FOR SAMSUNG PURCHASES
on Axis Bank website
Samsung Axis Bank Infinite Credit Card
Our Rating      4.0
Rewards Rate
10%
On Samsung purchase/s - only on purchase/s upto ₹50,000 per month (maximum ₹2 lakhs purchases per year)
3%
On 5 preferred merchants (Zomato, Bigbasket, Myntra, Tata 1mg, Urban Clap) || On international transactions
1%
On all other purchases
✔︎
Complimentary access to airport lounges in India (upto 8 times per year) , and abroad (upto 6 times per year)
Annual Fee

₹5,000

Annual Fee Offers

✓ Welcome offer : You get 30,000 EDGE REWARDS worth ₹6000, on doing 3 card transactions within 30 days of credit card issuance.
✓ Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹7 lakhs or more in the previous year.

Minimum Income

Not Specified


10% cashback on Samsung purchases : You earn 10% cashback on Samsonite purchase/s based on below 2 conditions:
✔︎ On maximum Samsung purchase/s of ₹50,000 per month, si

10% cashback on Samsung purchases : You earn 10% cashback on Samsonite purchase/s based on below 2 conditions:
✔︎ On maximum Samsung purchase/s of ₹50,000 per month, since maximum discount per month is restricted to ₹5,000 (can be 1 or more than 1 transaction) AND
✔︎ On maximum Samsung purchase/s of ₹2 lakh per year, since maximum discount per year is restricted to ₹20,000 per year
If you meet both the above conditions, you shall get a 10% cashback on your Samsung purchases, otherwise your effective cashback will fall below 10%. Important terms & conditions:
– Offer applicable on online purchases at – Samsung eStore https://www.samsung.com/in/ and Samsung Shop App
– Offer applicable on online purchases at Flipkart
– Offer applicable at physical stores – under ‘Brand EMI’ on Pinelabs terminals and Benow Soft POS machines (on EMI purchases as well)
– Offer applicable at Samsung service centers – on PayU Soft POS machines.

3% special benefit on preferred merchants : Earn 15 reward points worth ₹3 , on every ₹100 you spend at preferred merchants listed below :
– Zomato
– Bigbasket
– Myntra
– Tata 1mg
– Urban Company

3% special benefit on international spends : Earn 15 reward points worth ₹3 , on every ₹100 you spend on international transactions.

1% basic benefit on all other purchases : Earn 5 reward points worth ₹1 , on every ₹100 you spend on all other purchases

Complimentary visits to airport lounges in India – upto 8 times per year : You enjoy free visits to airport lounges in India – upto 8 times per year . For full list of lounges and all terms & conditions, please click here – Axis Samsonite Infinity Airport Lounges , and see ‘Participating Lounges for Set B’

Complimentary visits to airport lounges outside India – upto 6 times per year : You receive a complimentary Priority Pass membership worth $99 , and enjoy free visits to international airport lounges – upto 6 times per year . ​​For details and terms & conditions, please click here –  Priority Pass Membership program

Dining benefits :
– You get a 25% discount up to ₹800 , at over 4,000 restaurants nationwide. Minimum order amount of ₹2,500. Hence you get a 25% discount on orders between ₹2,500 and ₹3,200. This offer can be redeemed twice every month.
– You also get free membership for 1 year, to the EazyDiner Prime program.

Fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India – only on fuel transactions between ₹400 and ₹5,000

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Benefits
– Very good card for purchasing Samsung products – attractive cashback program offering upto 10% cashback on purchasing Samsung products
– Special benefits on 5 select merchants serving diverse needs, and also on international spending
– Complimentary airport lounge access within India and abroad

Drawbacks
– Attractive benefits are restricted to specific merchants, hence it does not give cardholders a wide choice to spend
– Low rewards on travel spends on the card , hence customers will need to also look for a good travel card as a companion card
– High annual spend target to get annual fee waiver , from second year onwards

BEST FOR SHOPPING AT SHOPPERS STOP (6%-8% BENEFIT RATE)
on HDFC Bank website
Shoppers Stop Black HDFC Credit Card
Our Rating     3.75
Rewards Rate
8%
On Shoppers Stop Private label brand purchases - only on purchases upto ₹15,000 per month
6%
On all brands available at Shoppers Stop - only on purchases upto ₹20,000 per month
2%
On all other purchases
✔︎
Complimentary access to airport lounges abroad (upto 2 times per quarter)
✔︎
Complimentary access to airport lounges in India (upto 4 times per quarter)
Annual Fee

₹4500

Annual Fee Offers

✓ Welcome Offer : You earn ₹1500 worth of Shoppers Stop vouchers, on minimum shopping of ₹5,000 at Shoppers Stop stores. You also get a complimentary First Citizen Black membership worth ₹4,500.

✓ Renewal Offer : Continued membership of First Citizen Black worth ₹4,500.

Minimum Income

Salaried : ₹2 lakhs per month
Self-employed : ₹8 lakhs per year


8% special benefit on Shoppers Stop Private Label Brands : You earn 13.33 First Citizen Points worth ₹8, on every ₹100 you spend on Shoppers Stop Private label brands (since 1

8% special benefit on Shoppers Stop Private Label Brands : You earn 13.33 First Citizen Points worth ₹8, on every ₹100 you spend on Shoppers Stop Private label brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – on spends upto ₹15,000 per month (since you can earn a maximum of 2,000 Shoppers Stop First Citizen Points in your monthly card billing cycle)

6% special benefit on all other Shoppers Stop Brands : You earn 10 First Citizen Points worth ₹6, on every ₹100 you spend on all other Shoppers Stop brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – on spends upto ₹20,000 per month (since you can earn a maximum of 2,000 First Citizen Points in your monthly card billing cycle)

2% basic benefit on all other spends : You earn 3.33 First Citizen Points worth ₹2 , on every ₹100 you spend on all other purchases (since 1 First Citizen Points = ₹0.60 or 60 paise). Except no rewards on fuel purchases, wallet loads, Rent & Utilities, Purchase of jewellery/gold coins or equivalents, EMI transactions, Account fees and payment

Complimentary visits to airport lounges in India – upto 4 times per quarter : you can check the list of lounges and all other details by clicking here.

Complimentary visits to airport lounges outside India – upto 2 times per quarter : you get free visits to airport lounges outside India – upto 2 times per quarter

Complimentary insurance covers :
– Accidental Air Death Cover: The Shoppers Stop Black HDFC Bank Credit Card provides an accidental air death cover worth ₹3 crores.
– Emergency Overseas Hospitalisation: In case of emergencies during overseas travel, the card offers coverage for emergency hospitalisation expenses up to ₹50 lakhs.

Fuel surcharge waiver : 1% fuel surcharge waiver at all fuel stations:
– only on fuel spends upto ₹50,000 per month (since the maximum waiver amount is capped at ₹500 per month).

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Benefits
– Attractive reward rate on Shoppers Stop purchases
– Good reward rate of 2% on non-Shoppers Stop purchases, which helps in accumulating more Shoppers Stop First Citizen points
– Exclusive privileges as a Shoppers Stop First Citizen Black Tier member, such as no-queue billing, assisted shopping by a personal shopper, access to the First Citizen Black Lounge, 1-year exchange for garments, the highest First Citizen points earn rate (including End of Season Sales), free beauty makeover for birthdays and anniversary, and an annual Black Day-exclusive online sale.

Drawbacks
– Attractive rewards are limited to Shoppers Stop, hence only suitable for those who like shopping frequently at Shoppers Stop
– High annual fee, the card does not offer attractive annual fee offers – hence only suitable for heavy users/customers of Shopper Stop

What are shopping cards

Shopping cards are credit cards which offer a high reward rate on shopping purchases.

Types of shopping cards

Shopping cards can be of various types –

Fixed reward rate shopping cards : These cards offer the same rate of benefit on all your shopping purchases.

Variable reward rate shopping cards : These cards offer different rates of rewards on different kinds of shopping purchases. These cards usually have a promotion category on which they offer a higher rate of benefit , while they offer a lower benefit rate on your other purchases. For example, some cards could offer a higher benefit rate on online purchases, and a lower benefit rate on in-store purchases. Cards could also have more than 1 promotion category.

Co-brand shopping cards : These cards are issued by card issuers in partnership with a specific merchant. For example Axis Flipkart card and ICICI Amazon Pay card are co-brand credit cards that offer a higher benefit rate on Flipkart & Amazon purchases respectively.

Fixed reward rate shopping cards normally have a lower reward rate compared to the other 2 types of shopping cards.

Advantages & disadvantages of shopping cards

The main benefit of course is that shopping cards offer a higher reward rate on all your shopping purchases, or on certain categories of shopping purchases.

The main disadvantage is that higher shopping benefits are only available on certain shopping categories , or on specific shops. For example, SBI cashback card offers 5% on online shopping, but this card may not be suitable for those who do not like online shopping and prefer to shop in stores. Similarly , Axis Flipkart card may also not be suitable for those who prefer to shop in stores, and who also do not like being restricted only to Flipkart for their shopping needs.

The higher reward rate on certain categories & certain merchants may also be offered only on a certain amount of monthly purchases. So you may need to track your monthly purchases on these promotion categories or promotion merchants, to maximise your benefits.

These cards may also not offer attractive benefits on your other major purchases like travel, fuel, bill payments etc . For these needs of yours, you may like to consider other credit cards –

Best travel cards || Best fuel cards || Best free cards || Best utility bill payment cards || Best premium cards || Best beginner cards || Best cashback cards

Hence one needs to keep in mind all these factors when choosing a shopping card.