Synopsis: This article covers India’s top credit cards of 2025 that offer shopping benefits such as cashback on many popular merchants, low joining and annual fees.
In this age and era it is indeed necessary to maximize every rupee you spend online. These cards can be used for mere shopping sprees or sometimes could also be beneficial for big discounts on high-value purchases. This guide is designed to help you identify the top contenders and find the ultimate plastic companion for your online and offline shopping sprees
- Joining Fees: ₹1,000 + taxes
- Annual Fees: ₹1,000 + taxes
- Annual Fee Waiver: Total spending of ₹1,00,000 Min.
Shopping benefits and Perks:
- 5% cashback as cashpoints on popular online merchants like Amazon, Flipkart, Swiggy
- 1% cashback on other purchases.
- Best redeemed as statement credit for ₹1 per point value. (Capped at 3,000 CashPoints per calendar month (equivalent to ₹3,000 in cashback))
For instance say you have accumulated 2,000 CashPoints. Instead of redeeming them for travel or products, you can choose the best value option: a statement credit – which adds ₹2,000 to your credit card account and reduces your outstanding bill.
- Joining Fees: ₹500 + taxes
- Annual Fees: ₹500 + taxes
- Annual Fee Waiver: Total spending of ₹3.5 lakhs Min.
Shopping benefits and Perks:
- 7.5% cashback on shopping from myntra – Capped at ₹4000 per statement quarter
- 5% cashback on Flipkart and Cleartrip purchases
- An unlimited 4% cashback on partners Swiggy, Uber, PVR, Cult.fit
- 1.5% unlimited cashback on all other merchants
- Joining Fees: ₹500 + taxes
- Annual Fees: ₹500 + taxes
- Annual Fee Waiver: Total spending of ₹3.5 lakhs Min.
Shopping benefits and Perks:
- 7.5% Cashback on Myntra Spends
- 5% cashback on Flipkart & Cleartrip
- 4% cashback on preferred partners like Zomato, Uber
- 1% cashback on other eligible spends
- Cashbacks are usually capped at ₹4,000 per quarter
- Joining Fees: Nil (Lifetime free card)
- Annual Fees: Nil (Lifetime free card)
Shopping benefits and Perks:
- 5% cashback for Amazon Prime members on Amazon.in; 3% for non-Prime
- 2% cashback on Amazon Pay partners like Swiggy, PVR
- 1% cashback on other spends; credited as Amazon Pay balance, never expires
Also Read: Your Credit Card Application Got Rejected? The Common Reasons That Cost You Approval
- Joining Fees: ₹999 + taxes
- Annual Fees: ₹999 + taxes
- Annual Fee Waiver: Total spending of ₹2 lakhs Min.
Shopping benefits and Perks:
- Flat 5% cashback on all online spends up to ₹5,000 per statement cycle
- 1% cashback on all offline purchases
Conclusion
The best credit card for shopping ultimately depends entirely on where you spend most of your money. Co-branded cards like the Amazon Pay ICICI and the Flipkart Axis/SBI Cards offer superior reward rates (5-7.5%) but lock you into specific merchant ecosystems. These are excellent if you are loyal to one major e-commerce platform.
For those who shop across a wide variety of online websites and prefer flexibility – the Cashback SBI Card provides an excellent – flat 5% rate universally. The HDFC Millennia also offers broad category coverage with a slightly lower monthly cap.
Written by Kenbi Riba
