Best Credit Cards For Shopping-2022

Best Credit Cards For Shopping 2022

Posted by Creditkaro

Credit Card March 23, 2022

The world has already started coming out of a pandemic. The people are coming out of their exile they had to spend throughout 2020 and many months in 2021 and started celebrating different festivals that take place throughout the year. Nowadays, with more human beings showing a preference for online shopping from different retail stores the demand for shopping has taken a great rise. People are purchasing everything ranging from gadgets to groceries and they are using credit cards while shopping with the purpose of getting rewarded. That is the reason premier banks as well as NBFCs are offering credit cards with exclusive benefits on both online and offline shopping.

Here goes the list of best credit cards for shopping:


1. Flipkart Axis Bank Credit Card

Axis Bank's Flipkart credit card is poised to offer cashback, especially for those individuals who are Flipkart loyalists. This is also one of the premium cashback credit cards in India that offers 1.5% flat cashback on all the purchases customers make and it is the second-highest cashback rate in the market.


Annual Fee: Rs 500


Minimum Income Required: Communicated at the time of sourcing.


Key Features & Benefits:

1. 5% cashback on Flipkart, Myntra & 2GUD

2. 4% cashback on Cure, fit, Swiggy, PVR & Uber.

3. 1.5% cashback on other categories.

4. Rs 2900 worth of joining and activation benefits from Flipkart, Myntra, Gaana, Plum Goodness, and Phy Life.

5. 4 complimentary lounge visits every year.

6. Up to 20% discount at 4000+partner restaurants, including KFC, TGIF, Beoco's, etc.

7. 1% fuel surcharge waiver for transactions worth Rs 400 to Rs 4000.

USP: Benefits across varied categories.

Best Credit Cards For Shopping-2022

2. Amazon Pay ICICI Credit Card

Amazon Pay is surely another premier credit card for both online and offline shopping in India. The key reason is that Amazon itself is one the most trendy platforms and it has got unique deals that range from furniture and electronics to stationery and groceries. Whatever customers need they can find everything on Amazon and while using credit cards customers can be rewarded also.


Annual Fee: Zero


Minimum Income Required: Rs 25 thousand per month for ICICI Bank customers & Rs 35 thousand per month for others.


Key Features & Benefits:

1. Lifetime free credit card.

2. 5% cashback for prime customers while shopping at Amazon.

3. 3% cashback for non-prime members for Amazon spending.

4. 2% cashback on 100+partner merchants of Amazon.

5. 1% cashback on all other transactions.

6. 15% discount at partner restaurants of ICICI Bank.

7. 1% fuel surcharge waiver across all petrol pumps.

USP: Excellent cashback offers and zero annual fees.

Best Credit Cards For Shopping-2022

3. HSBC Cashback Credit Card

HSBC cashback credit card offers unlimited cash back on the customers' all purchases. The card helps a customer to earn cashback without any hesitation of reaching a minimum spending level and this freedom has made this credit card one of the best cashback credit cards in India. Simultaneously, the customers also shop freely according to their choice, benefitting the freedom of these cards. The card helps customers to earn 1.5% cashback on online shopping and 1% cash back on offline purchases. Additionally, the customers can get a sign-up bonus, 20% discounts on Swiggy, and 5% off on shopping from Amazon.


Annual Fee: Rs 750


Minimum Income Required: Rs 33, 333 per month.


Key Features & Benefits:

1. 20% discounts on Swiggy orders.

2. 5% discounts on shopping from Amazon valued at Rs 1000 or more.

3. 1.5% cashback on online shopping (excluding transfers of funds to online wallets) and 1% off on another spending.

4. Rs 500 Amazon voucher on spending Rs 500 or more for shopping at a time within 30 days of card activation.

5. No maximum cap on cashback.

6. Up to 15% discount while dining at partner restaurants in major cities.

USP: Unlimited cashback offers on all purchases.

Best Credit Cards For Shopping-2022

4. HDFC Millennia Credit Card

HDFC Millennia credit card is so particularly fabricated that delivers the needs of millions of people who love to shop online and like to get rewarded for their spending. HDFC Millennia is such a credit card that offers cash points on every transaction made on multiple platforms such as Amazon, Flipkart, and more. This credit card offers 5% cash back for online shopping. Additionally, along with the benefit of online shopping, this credit card provides 1% cashback on all offline shopping also.


Annual Fee: Rs 1000


Minimum Income Required: Rs 25,000 per month.


Key Features & Benefits:

1. 1000 cash points (reward points) on payment of the membership fee.

2. Rs 1000 gift voucher on spending at least Rs 1 lakh in each calendar quarter through shopping.

3. 5% cash back for shopping through Amazon and Flipkart, flight & hotel booking on shopping through PayZapp and SmartBuy.

4. 2.5% cashback on online purchases.

5. 1% cashback on all offline spending through shopping.

6. 8 complimentary domestic lounge accesses per calendar year.

USP: Loyal customers of Amazon and Flipkart can get the best of this card.

Best Credit Cards For Shopping-2022

5. Axis Bank ACE Credit Card

Axis Bank ACE credit card is one of the most utility credit cards in India. This credit card offers the highest cashback of 2% for all kinds of transactions through shopping and up to 5% cashback also on bill payments such as DTH and mobile recharges through Google Pay and 4% discounts on spending at Swiggy, Zomato & Ola. Axis Bank ACE credit card can be the best for those customers who are looking for credit cards with low fees and better non-travel rewards.


Annual Fee: Rs 499


Minimum Income Required: Communicated at the time of sourcing.


Key Features & Benefits:

1. 5% cashback on every bill payment, DTH recharge, and mobile recharge initiated via Google Pay.

2. 4% cashback on Swiggy, Ola, and Zomato.

3. 2% cashback on all other spending.

4. No upper limit or maximum cashback earned.

5. 4 complimentary domestic lounge visits in a year.

6. Up to 20% discount at 4000+ participating restaurants.

7. 1% fuel surcharge waiver across all fuel stations in India.

USP: Highest cashback offers on all transactions

Best Credit Cards For Shopping-2022

6. American Express SmartEarn Credit Card

American Express SmartEarn credit card is the only entry-level card by American Express, designed for millions of people who would like to earn reward points on every spending. This credit card is called ideal for beginners and frequent users of Flipkart, and Uber rides as this card offers 10X reward points on these brands. The rate of reward points is quite attractive for a low-annual fee credit card. The users can also get 'membership rewards' where they can get better reward points compared to other banks' reward points.


Annual Fee: Rs 495


Minimum Income Required: Rs 37,500 per month.


Key Features & Benefits:

1. 10X reward points for every 50 spent on Flipkart and Uber, capped at 500 MR points per month each.

2. 5X reward points for every 50 spent on Amazon, Myntra, Grofers, Swiggy, Big Bazar, and more capped at 250 reward points per month.

3. 1 reward point for every Rs 50 spent across all categories.

4. Cashback of Rs 500 on spending Rs 10,000 in the first 90 days of card issuance.

5. 0% convenience fee at HPCL pumps for transactions under Rs 25,000.

USP: One of the best credit cards for online shopping.

Best Credit Cards For Shopping-2022