Best Credit Card for Shopping in India (2025 Edition)

Why You Need a Shopping Credit Card in 2025

Whether you’re filling your cart online or buying from your favorite retail store, using the right credit card can unlock massive savings, exclusive offers, and cashback. But with so many options, how do you pick the best credit card for shopping?

In this guide, we’ll compare India’s top shopping credit cards across platforms like Flipkart, Amazon, Swiggy, and lifestyle stores. You’ll learn which card suits your lifestyle, spending pattern, and shopping behavior—so you don’t just shop, you save smartly.

Disclaimer: This post contains affiliate links. We may earn a commission at no extra cost to you.

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Quick Comparison: Best Credit Cards for Shopping

Credit Card	Ideal For	Welcome Offer	Cashback/Rewards	Annual Fee	Best Feature	Apply Now
Axis Flipkart Card	Flipkart, Myntra	₹500 Flipkart voucher	5% on Flipkart/Myntra, 1.5% on others	₹500 (waived)	Unlimited 5% cashback on Flipkart	Apply Now
SBI SimplyClick	Amazon, Online Shopping	₹500 Amazon voucher	10X reward points on Amazon/BookMyShow, 5X others	₹499 (waived)	Great reward rate on Amazon	Apply Now
HDFC Millennia	Amazon, Flipkart, Swiggy	₹1000 voucher	5% on Amazon/Flipkart, 1% elsewhere	₹1000 (waived)	Cashback credited directly to statement	Apply Now
Swiggy HDFC	Swiggy, Dineout	₹500 Swiggy coupon	10% on Swiggy, 5% on Dineout/Zomato	₹500	Best for foodies	Apply Now
SBI Cashback Card	All online spending	None	5% flat cashback on online spends	₹999 (waived)	Straightforward cashback, no partners	Apply Now
IDFC First Classic	All-rounder	₹500 gift voucher	3X–6X points, 25-day interest-free EMI	Lifetime Free	Best no-fee all-rounder	Apply Now

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Detailed Reviews: Best Credit Card for Shopping in India (2025 Edition)

1. Axis Bank Flipkart Credit Card

Best For: Flipkart, Myntra, Swiggy, Uber users

✨ Why It Stands Out:

• 5% Cashback on Flipkart, Myntra, and 2GUD
  Earn flat cashback—no reward points, no conditions. Cashback is auto-credited monthly.
  
• 4% Cashback on Select Partners
  Get 4% back on Uber rides, PVR tickets, Swiggy orders, and Cure.fit subscriptions.
  
• 1.5% Cashback on All Other Spends
  Makes this card powerful even for daily use like groceries, fuel, utility bills.
  
• Welcome Bonus Worth ₹500
  Receive a Flipkart voucher after your first transaction—valid even for EMI purchases.
  
• Fuel Surcharge Waiver
  1% waiver on fuel spends at all fuel stations (₹400 monthly max).
  
• Low Annual Fee: ₹500 (waived on ₹2L annual spend)
  
• Instant Issuance for Flipkart Users
  Apply directly via Flipkart app and get a virtual card within minutes.
  

Bonus Insight: Axis Bank often runs tie-ups with Flipkart BBD (Big Billion Days) sales, giving you extra cashback boosts or 10% bank discounts stacked with this card.

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2. SBI SimplyClick Credit Card

Best For: Amazon, BookMyShow, online shoppers who love points

✨ Why It Stands Out:

• 10X Reward Points on Partner Brands
  Includes Amazon, BookMyShow, Cleartrip, Apollo 24/7. Each ₹100 earns 10 points worth ₹2.5 (25x higher than base rate!).
  
• 5X Reward Points on All Other Online Spends
  Shopping on Nykaa, Ajio, Flipkart, Swiggy? You still earn 1.25% value.
  
• Annual Fee of ₹499 (Waived at ₹1L Spend)
  Very affordable for the benefits provided.
  
• Welcome Gift: ₹500 Amazon voucher on first transaction within 30 days.
  
• Online-Only Model = Digital Powerhouse
  Apply, track, and manage entirely online. Paperless onboarding.
  
• Milestone Rewards:
  Spend ₹1L in a year? Get ₹2,000 worth Cleartrip vouchers. Spend ₹2L? Get more.
  

Why It Converts: People feel they’re “earning” back every time they order from Amazon. The strong partner network makes it a reward collector’s delight.

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3. HDFC Millennia Credit Card

Best For: Cashback across Amazon, Flipkart, Swiggy, Uber

✨ Why It Stands Out:

• Flat 5% Cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber (via PayZapp or SmartBuy platforms).
  
• 1% Cashback on All Other Spends (including EMI and wallet loads). Rare among premium cards.
  
• Direct Cashback Credit
  No redemption or reward portals. Amount is auto-adjusted against your bill.
  
• Welcome Benefit: ₹1000 worth vouchers on ₹30,000 spend in 90 days.
  
• Milestone Benefits:
  Quarterly spends >₹1L earn you ₹1000 worth vouchers. Effectively pays your annual fee.
  
• Free Lounge Access:
  1 domestic airport lounge visit per quarter via MasterCard/Visa variant.
  
• EMI & Contactless Enabled
  Use tap-to-pay, and convert big purchases to EMIs instantly.
  
• Annual Fee: ₹1000 (Waived on ₹1L annual spend)
  

Use Case Expansion: You shop ₹30,000 a month across Flipkart (clothes), Amazon (tech), Swiggy (food), and fuel. You’re saving ~₹600/month just via cashback. Over ₹7,000 a year.

Also Check out > Best Zero Interest Credit Cards in India (2025)

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4. Swiggy HDFC Credit Card

Best For: Swiggy addicts, dine-out lovers, foodies on-the-go

✨ Why It Stands Out:

• 10% Cashback on Swiggy Orders
  All food, Instamart, and Dineout bookings via Swiggy App included.
  
• 5% Cashback on Partner Merchants
  Includes Zomato, Dineout, cult.fit, and even Uber.
  
• ₹500 Swiggy Voucher as Welcome Gift
  
• No Cashback Cap on Swiggy
  Unlike most cards, there’s no upper limit—spend big, save big.
  
• Fuel Surcharge Waiver: 1% waiver on ₹400-₹5000 fuel spends/month.
  
• Complimentary Lounge Access: 1/qtr in India.
  
• Annual Fee: ₹500
  

Real Example: You order 15 times/month on Swiggy + Swiggy Instamart groceries = ₹6000/month. You’re getting ₹600 cashback every month = ₹7200/year. That’s insane for a ₹500 fee card.

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5. SBI Cashback Credit Card

Best For: Pure online cashback across all platforms

✨ Why It Stands Out:

• 5% Flat Cashback on All Online Spends
  Valid across all e-commerce platforms (Amazon, Flipkart, Ajio, TataCliq, Nykaa, etc.)
  
• No Merchant Restrictions or Rotating Offers
  No need to track categories—just spend and earn.
  
• ₹999 Annual Fee (Waived on ₹2L Spend)
  
• 1% Cashback on Offline Spends
  Good if you use it for fuel or groceries.
  
• No Reward Point Complexity
  Cashback is direct and automatic (credited in next cycle).
  

Example Use Case: If you’re a “deal hunter” shopping across 5–6 websites every month, this card offers blanket coverage. You’ll get ₹500–₹1000/month in cashback effortlessly.

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6. IDFC First Classic Credit Card

Best For: Zero annual fee seekers, beginners, all-rounders

✨ Why It Stands Out:

• Lifetime Free – No joining fee, no renewal ever.
  
• Reward Points:
  
  • 3X on offline spends
    
  • 6X on online spends
    
  • 10X on birthday spends!
    
• 1 Reward Point = ₹0.25, redeemable for statement credit or merchandise.
  
• Dynamic Interest Rates (9% to 36%) – Much lower than most credit cards.
  
• 25–40 Days Interest-Free Period, even on ATM withdrawals.
  
• Zero Forex Markup on International POS (Premium versions)
  
• No Redemption Charges, no hidden T&Cs.
  

Hidden Gem: Despite being free, it gives perks like complimentary roadside assistance, fuel surcharge waiver, personal accident cover, and movie discounts on Paytm.

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Quiz: Which Shopping Credit Card Is Right for You?

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Calculator: Estimate Your Annual Cashback

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Frequently Asked Questions (FAQs)

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Which Shopping Credit Card Should You Get?

There’s no one-size-fits-all, but here’s a quick guide:

• Axis Flipkart – If you love Flipkart/Myntra.
  
• SBI SimplyClick – For Amazon and entertainment.
  
• HDFC Millennia – Best cashback across platforms.
  
• Swiggy HDFC – For food & lifestyle.
  
• SBI Cashback – If you want flat cashback on everything.
  
• IDFC First – Best no-fee option with decent rewards.
  

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