Best 16 Shopping Credit Cards In India 2022 | Top 16 Shopping Credit Cards In India 2022

In recent times, online shopping has gained huge popularity because of its convenience and the infinite amount of options and offers that it offers. You can also boost up your online shopping experience by using a card that can offer you exclusive deals on your shopping expenses.

But as there are countless credit cards available in the Indian credit card market, it could be really challenging to find the proper one. That’s why we have selected the top 16 shopping credit cards for you. Compare them and hopefully, you will find your choice.

• Table of Contents

  HDFC EasyEMI Credit Card

The hdfc easy emi credit card is a decent option for those who are looking for a straightforward shopping credit card. It lets you enjoy huge discounts on shopping, a big waiver on fuel surcharges, extra benefits on milestone spending, an easy EMI option, and lots more. Read the full hdfc easy emi credit card review to know more about this card.

What are the HDFC Easy EMI credit card charges?

• Easy emi hdfc credit card joining fee: Rs. 500 + GST
• Easy emi hdfc credit card annual fee: Rs. 500 + GST

100xGain Rating:

7.5/10

What are the HDFC Easy EMI credit card benefits?

• This easy emi hdfc credit card offers up to a 5% discount on online shopping and travel booking.
• This hdfc easy emi credit card offers up to Rs. 250 monthly savings on fuel surcharges.
• Using the Smart EMI facility, you can convert your high-value transactions into small monthly installments at a very low-interest rate.
• You can also earn some extra benefits from milestone spending.

Pros and Cons:

Pros	Cons
The rate of earning cashback is very impressive. The low-cost EMI facility is really helpful You can also make some good savings on fuel surcharges.	There are no dining benefits on this Easy EMI HDFC bank credit card. You will not get any entertainment benefits.

• Flipkart Axis Bank Credit Card

If you want to add value to your shopping expenses, then you should go for the flipkart axis bank credit card. It is one of the most useful credit cards you can get in India. It offers you exclusive deals on shopping and dining, free access to airport lounges, a low-cost EMI option, and lots more. Read the complete flipkart axis bank credit card review to know more about this card. 

What are the Flipkart Axis Bank credit card fees?

• Flipkart axis bank credit card joining fees: Rs. 500 + GST
• Axis bank Flipkart credit card annual fee: Rs. 500 + GST

100xGain Rating:

7/10

What are the major Flipkart Axis Bank credit card benefits?

• You can bag up to a 5% discount on Flipkart, Myntra, 2GUD, etc.
• You will get 4 free access to most of the domestic airport lounges. You can find more about the flipkart axis bank credit card lounge access benefits from the full review of this card.
• This axis bank flipkart credit card offers up to a 20% discount on your dining bills.
• There are also some exclusive deals on hotel booking on this axis bank flipkart credit card.

Pros and Cons:

Pros	Cons
This axis bank Flipkart credit card features a 5% saving from your shopping expenses. This card gives you free access to most of the domestic airport lounges. There is also a huge discount on dining bills on this card.	The shopping benefits are only applicable to online shopping made on Flipkart and Myntra.

• American Express SmartEarn Credit Card

When it comes to powerful rewards at an affordable rate, the american express smartearn credit card is very hard to replace. This card is specially crafted for frequent shoppers. To add value to your transactions this card offers powerful rewards on every transaction, zero convenience fee on fuel purchase, extra benefits on milestone spending, and lots more. Read the complete american express smartearn credit card review to know more about this card.

How much is the American Express Smart Earn credit card fees?

• American express credit card joining fee: Rs. 495 + GST
• American Express Credit Card annual fee: Rs. 495 + GST

100xGain Rating:

7/10

What are the key features of the American Express Smart Earn Credit Card?

• This american express credit card offers up to 10X reward points on online shopping.
• This card also features a 0% convenience fee on fuel surcharges.
• On spending Rs. 40,000 within a year, you can get a complete waiver on your annual fees.
• You can also earn some bonus points from milestone spending.

Pros and Cons:

Pros	Cons
The rate of earning reward points is very impressive. You can also enjoy a 0% convenience fee on fuel surcharges. There is also a milestone benefit scheme and annual fee waiver option on this card.	There are no dining and entertainment benefits on this American Express smart earn credit card.

*If you are interested to know how to activate your new american express smartearn credit card or how to check your american express smartearn credit card status, then feel free to take a look at our faq page.

• Amazon Pay ICICI Bank Credit Card

The amazon pay icici bank credit card is one of the most popular credit cards available in India. This co-branded shopping credit card offers you unparalleled benefits on online shopping. It lets you enjoy huge cashback on online shopping, exclusive deals on dining, big discounts on fuel surcharges, and lots more. Read the complete icici bank amazon credit card review to know more about this card.

What are the ICICI Bank Amazon Pay Credit Card Charges?

• ICICI Bank Amazon credit card joining fee: None.
• Amazon Pay ICICI Bank credit card annual fee: Free for a lifetime.

100xGain Rating:

8/10

What are the key benefits of Amazon ICICI Bank credit card?

• This amazon pay icici bank credit card offers up to a 5% discount on your online shopping from Amazon.
• You can bag up to a 15% discount on your dining bills. You can know more about this amazon ICICI bank credit card offer from the complete review.
• You will also get a 1% waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
It is a lifetime free credit card. This card is very good at offering cashback. There is also a 1% fuel surcharge waiver on this ICICI bank Amazon pay credit card.	You will not get any travel benefits on this Amazon ICICI bank credit card.

• SBI Simply Click Credit Card

Are you looking for a low-cost shopping credit card that can offer you powerful rewards? Then you should take a look at the sbi simply click credit card. This card is tailored to target those who shop quite often and like to earn reward points. Go through the complete sbi simply click credit card review to know more about this card.

How much do the Simply Click SBI Card Charges?

• SBI simply click credit card joining fee: Rs. 499 + GST
• SBI simply click card annual fee: Rs. 499 + GST

100xGain Rating:

7/10

What are the major SBI Simply Click Credit Card benefits?

• The simply click sbi card offers you up to 10X reward points on online shopping. 
• You can make up to Rs. 100 saving on fuel surcharges.
• Also, this sbi card simply click offers some bonus gifts from milestone spending.
• On spending Rs. 1 lakh within a year, you can get a complete waiver in your sbi card simply click annual fee.

Pros and Cons:

Pros	Cons
The rate of earning reward points is quite impressive. You can make some good savings on fuel surcharges. There is also an annual fee waiver option available.	There are no dining benefits on this sbi simply click card. You will get any lounge access or other travel benefits from this card.

• RBL Platinum ShopSmart SuperCard

If you are a shopaholic and looking for a card that can offer you big savings on your shopping expenses, then you can take a look at the RBL Platinum ShopSmart SuperCard. Offering big discounts on groceries, free access to airport lounges, free movie tickets, and a low-cost EMI facility, this card brings so much value with it that it can easily neutralize the Rs. 499 annual fee. More details of the benefits are discussed in the complete review of this card. 

How much are the RBL Platinum Shop Smart card’s fees?

• Joining fee: Rs. 499 + GST
• Annual fee: Rs. 499 + GST

100xGain Rating:

7.5/10

What are the RBL Platinum Shop Smart card’s key features?

• This RBL super Card offers up to a 5% discount on groceries.
• You will get up to 2 free accesses per year at most of the domestic airport lounges.
• You can earn a free movie ticket every month.
• There is also a low-cost EMI option available that is extremely useful for frequent shoppers.

Pros and Cons:

Pros	Cons
You can make good savings from your shopping expenses. This card gives you free access to most of the domestic airport lounges. You can also earn some free movie tickets.	There are no dining benefits on this RBL platinum credit card. You will not get any fuel benefits from this card.

• SBI Simply Save Credit Card

When it comes to powerful rewards and big savings, the sbi simply save credit card is very hard to replace. With reward points on every transaction, a big waiver on fuel surcharges, and exclusive deals on dining, this card can add value to every transaction you make using this card. Read the complete sbi simply save credit card review to know more about this card.

How much is the SBI Simply Save Credit Card fees?

• SBI simply save credit card joining fee: Rs. 499 + GST
• SBI simply save credit card annual fee: Rs. 499 + GST

100xGain Rating:

7.5/10

What are the major SBI Simply Save Credit Card benefits?

• You can earn up to 10 sbi simply save credit card rewards for every Rs. 100 transactions made on movies, groceries, or at departmental stores. More about those sbi simply save credit card reward points are discussed in the complete review.
• This sbi simply save credit card offers 10 reward points for every Rs. 100 transactions made on dining.
• On spending Rs. 1,00,000 or more within a year, you can get a complete waiver on your next year’s simply save sbi credit card annual fee.

Pros and Cons:

Pros	Cons
This card is very good at offering reward points. You can earn big rewards every time you dine at premium restaurants. There is also a low-cost EMI facility on this card, which is very helpful for frequent shoppers.	You will not get any lounge access benefits on this card. There are no offers on online food orders.

*For queries like how to check sbi simply save credit card application status or how to pay sbi simply save credit card bill, then feel free to take a look at the 100xGain faq page.

• Standard Chartered DigiSmart Credit Card

If online shopping has become a part of your daily routine, then the standard chartered digismart credit card can be the perfect choice for you. This card is particularly designed to add value to your online shopping expenses. From travel to shopping, and movies to dining, this card has everything to offer us. Read the complete standard chartered digismart credit card review to know more about this card.

How much are the Standard Chartered DigiSmart Credit Card fees?

• Joining fee: Rs.49 + GST
• Monthly renewal fee: Rs.49 + GST

100xGain Rating:

7/10

What are the major Standard Chartered DigiSmart Credit Card benefits?

• This digismart standard chartered credit card offers you up to 2 free movie tickets per month.
• You can bag up to a 10% discount on Grofers.
• The standard chartered digismart credit card offers up to a 20% discount on Myntra.
• You will also get a 10% discount on online food orders from Zomato.
• Also, this standard chartered digismart credit card features some attractive travel booking offers on Yatra.

Pros and Cons:

Pros	Cons
This card is very good at offering cash backs on online shopping and food order. You will also get a number of exclusive deals on travel booking, and online cab booking. There is also a low-cost EMI option available, which is very helpful.	You will not get any lounge access benefits from this standard chartered bank DigiSmart credit card. The monthly renewal fee can be annoying for someone.

• Bajaj Finserv Shop Smart SuperCard

The Bajaj Finserv ShopSmart Super Card is a specially designed credit card for frequent shoppers. With exclusive cashback on groceries, attractive monthly savings, instant loan facility, and low-cost EMI option, this card can offer you an unparalleled shopping experience. Read the complete review to know more about the Bajaj Finserv super card details. 

How much are the Bajaj Finserv Shop Smart SuperCard’s fees?

• Joining fee: Rs. 499 + GST
• Annual fee: Rs. 499 + GST

100xGain Rating:

7.5/10

What are the key features of this Bajaj Finserv Shop Smart credit card?

• This Bajaj finance super card offers up to 5% cashback on groceries.
• You can make up to Rs. 10000 savings per year.
• Using this card you can get an instant personal loan with a minimal interest rate,
• There is also an Easy EMI facility, which allows you to convert your high-value transactions into small monthly installments

Pros and Cons:

Pros	Cons
This card is very good at offering cashback on shopping expenses. This card can offer you huge annual savings. There are a number of useful features like; instant loan facility, low-cost EMI option, etc.	There are no dining benefits on this card. You will not get any fuel benefits on this card.

• HDFC Solitaire Credit Card

If earning rewards on every transaction seems beneficial to you, then you should go for the hdfc solitaire credit card. It is a low-cost credit card specially crafted to offer you extra rewards on shopping and dining. Apart from that, it offers you some milestone bonuses, an annual fee waiver option, a low-cost EMI option, and lots more. Read the complete hdfc solitaire credit card review to know more about this card.

How much are the HDFC Solitaire Credit Card fees?

• HDFC Bank Solitaire Credit Card joining fee: Rs. 500 + GST
• HDFC Solitaire Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

7/10

What are the key benefits of HDFC solitaire credit card?

• This HDFC solitaire credit card offers you 3 reward points for each Rs. 150 transactions. And up to 50% extra rewards on groceries and dining. You can find more about the hdfc solitaire credit card points redemption process from the full review of this card.
• This hdfc solitaire credit card features up to Rs. 250 monthly waiver on fuel surcharges.
• On spending 75,000 within six months, you will get a bonus gift voucher.
• Also, if you can spend Rs. 50,000 within a year, you can get a complete waiver on your next year’s annual fee.

Pros and Cons:

Pros	Cons
You can earn reward points for every transaction you make using this card. You can make a big monthly saving on fuel surcharges. There is also a low-cost EMI option available which is very helpful	This HDFC visa solitaire credit card does not offer any discount on dining and movie tickets.

• Kotak Mojo Platinum Credit Card

The Kotak Mojo Platinum Credit Card’s major draw is its powerful reward scheme, which has the ability to make every transaction rewarding. Apart from that, it offers free access to airport lounges, a big waiver on fuel surcharges, an annual fee waiver option, and lots more. Read the complete kotak mojo platinum credit card review to know more about this card.

How much are the Kotak Mojo Credit Card annual charges?

• Kotak mojo platinum credit card joining fee: Rs. 1000 + GST
• Kotak mojo platinum credit card annual fee: Rs. 1000 + GST

100xGain Rating:

6.5/10

What are the major Kotak Mojo Platinum Credit Card benefits?

• This card offers you up to 5 reward points for every Rs. 100 spent on shopping on KayMall.
• This card gives you up to 8 free access to most of the frontline airport lounges. You can find more about the Kotak Mojo credit card lounge access benefits from the full review of this card.
• You can also make an Rs. 3,500 annual waiver on fuel surcharges.
• You can also earn some bonus rewards from milestone spending.

Pros and Cons:

Pros	Cons
This card is also very good at offering reward points. You will get free access to most of the frontline airport lounges. There is also a milestone reward scheme and annual fee waiver option available on this Kotak mojo credit card.	There are no dining benefits on this card. You will not get movie benefits from this Kotak mojo platinum credit card.

*If you want to know about the kotak mojo credit card pin generation process, then make sure to take a look at the 100xGain faq page.

• Axis Bank MY Zone Credit Card

If most of your monthly expenses are going towards online shopping, then the axis bank my zone credit card would be the perfect choice for you. Offering a huge discount on online shopping, reward points on every transaction, fee access to airport lounges, and a big saving on fuel surcharges, this card can make a huge monthly saving for you. More about the benefits of this card are discussed in the complete axis bank my zone credit card review.

What are Axis Bank MY Zone Credit Card fees?

• Axis bank my zone visa credit card joining fee: Rs. 500 + GST
• Axis bank my zone credit card annual fee: Rs. 500 + GST

100xGain Rating:

8/10

What are the major Axis Bank MY Zone Credit Card benefits?

• The axis bank my zone credit card offers a 25% discount on Myntra.
• You will get a 20% discount on your dining bills.
• The axis bank my zone credit card features 1 free access per quarter at most of the frontline airport lounges. You can find more about the axis bank my zone credit card lounge access benefit from the complete review.
• Also, for every Rs. 200 transactions you make using this card, you can earn 4 EDGE points.

Pros and Cons:

Pros	Cons
You will get a big discount on online shopping. You can also bag a 20% discount on your dining bills. This my zone axis bank credit card offers reward points on your every transaction.	All the online shopping benefits are offered on Myntra.

• HSBC Cashback Credit Card

When it comes to attractive deals on online shopping and other transactions, the hsbc cash back credit card is very hard to replace. This card packs a real blend of attractive deals and affordability, offering huge discounts on online spending, free movie tickets every week, and huge discounts on dining bills, this card can offer you a huge monthly saving. Read the complete hsbc cash back credit card review to know more about this card.

What are the HSBC Cashback Credit Card charges?

• HSBC Cashback Credit Card joining fee: None.
• HSBC Cashback Credit Card annual fee: Rs. 750 + GST

100xGain Rating:

7/10

What are the major HSBC Cashback Credit Card benefits?

• This card offers up to a 20% discount on your online transaction. You can find more about this hsbc credit card cash back offer from the full review.
• You can earn a free movie ticket every week
• The hsbc cashback credit card offers a 15% discount on your dining bills.
• This card offers a low-cost EMI option which is extremely useful for frequent shoppers.

Pros and Cons:

Pros	Cons
This card is very good at offering huge discounts on online spending. You will also get a huge discount on your dining bills. You can also earn free movie tickets every week.	You will not get any lounge access or other travel benefits from this card.

*If you want to know about hsbc cash back credit card pin generation process, then take a look at the faq page.

• Axis Bank Ace Credit Card

If you are looking for cashback and usefulness, then the Axis Bank Ace Credit Card will be a decent choice for you. This card packs some awesome features like; exclusive deals on utility bill payments and online food orders, discounts on dining, free access to airport lounges, and lots more. Read the complete Axis Bank Ace Credit Card review to know more about this card.

What are the Axis Bank Ace Credit Card charges?

• Joining fee: Rs. 499 + GST
• Annual fee: Rs. 499 + GST

100xGain Rating:

8/10

What are the major Axis Bank Ace Credit Card features?

• This card gives you huge cash backs on utility bill payments and online food orders.
• You will get up to 4 free access to most of the domestic and international lounges.
• On this ace credit card axis bank offers a 20% discount on your dining bills.
• This ace axis bank credit card also offers a low-cost EMI option that allows you to convert your big shopping bills into small monthly installments.

Pros and Cons:

Pros	Cons
This card offers some impressive cash-backs on your credit card transactions. You can bag a big discount on your dining bills. You will get free access to airport lounges.	The benefits are only available on online shopping and transactions.

• HDFC Millennia Credit Card

The hdfc millennia credit card is one of the most useful credit cards offered by HDFC Bank. Targeting the millennials this card offers attractive cashback on online shopping, free access to airport lounges, huge discounts on dining, and lots more. Read the complete hdfc millennia credit card review to know more about this card.

How much are the HDFC Millennia Credit Card fees?

• HDFC millennia credit card joining fee: Rs. 1000 + GST
• HDFC millennia credit card annual fee: Rs. 1000 + GST

100xGain Rating:

7.5/10

What are the major benefits of HDFC Millennia Credit Card?

• The hdfc millennia credit card offers up to a 5% discount on online shopping.
• You will also get up to 8 complimentary access per year to most of the domestic airport lounges.
• You can make up to 40% saving on your dining bill.
• You can make up to Rs. 250 monthly saving on fuel surcharges.

Pros and Cons:

Pros	Cons
Using the HDFC bank millennia credit card, you can make a good saving from your shopping expenses. This millennia HDFC credit card gives you free access to most of the domestic airport lounges. This card also offers a huge cashback on dining.	The shopping benefits are only offered on online shopping.

• Kotak White Credit Card

The Kotak White Credit Card is one of those credit cards that are particularly focused upon the needs of high-net-worth individuals. It comes with a very interesting reward scheme that has the potential to make your every transaction rewarding which makes this card extremely useful for offline shopping and regular usage. Read the complete kotak white credit card review to know more about this card.

What are the Kotak White Credit Card charges?

• Joining fee: Rs. 3000 + GST
• Annual fee: Rs. 3000 + GST

100xGain Rating:

7/10

What are the major Kotak White Card benefits?

• On spending Rs. 12 lakh within an anniversary year, you can get up to 2.25% White pass points on your total annual transaction.
• Using this card you can get access to most of the frontline airport lounges worldwide.
• You can make a good monthly saving on fuel surcharges.
• There is also a fraud liability coverage of Rs. 2.5 lakh.

Pros and Cons:

Pros	Cons
The Kotak Credit Card offers you free access to most of the domestic and international airport lounges. You can make a good saving on fuel surcharges. There is also complimentary fraud liability coverage on this Kotak bank white card.	The Kotak white credit card annual charges are a bit high. The rate of earning reward points is not that great and you will have to reach a specific spending milestone to get the benefit.