Going shopping is more than just buying new stuff, it’s the experience and relaxation that comes with it. For some it’s just buying out new stuff, but for some it’s the relaxation, exploring new stuff and varieties in their favorite shopping domain, and a lot more.
So, here are the “11 Most Rewarding Credit Cards” which are an amazing compassion for shopping lovers!
Rewarding Credit Cards
These are some of the most rewarding credit cards that aim to provide you with the best services.
| Card Name | Annual Fee/Joining Fee |
| IDFC First Select Credit Card | NIL |
| Amazon Pay ICICI Credit Card | NIL |
| Standard Chartered Platinum Rewards Credit Card | Rs.250 |
| Axis Bank Neo Credit Card | Rs.250 |
| American Express Smart Earn Credit Card | Rs.495 |
| Axis Ace Credit Card | Rs.499 |
| SBI SimplyCLICK Credit Card | Rs.499 |
| Flipkart Axis Bank Credit Card | Rs.500 |
| HDFC Millennia Credit Card | Rs.1,000 |
| HDFC Regalia Credit Card | Rs.2,500 |
| SBI Prime Credit Card | Rs.2,999 |
Note: The above cards in the table do not represent any ranking.
(1) IDFC First Select Credit Card
It is a lifetime free credit card. That means you don’t need to pay any joining fee, annual fee, or even renewal fee.
This credit card is best suited for those who frequently shop and use credit cards every time for payments. One of the most interesting features of this credit card is that it offers a dynamic interest rate model, according to which: the interest rate is decided based on the user’s profile and its payment records.
The card becomes an ideal option for those who are looking for a fantastic rewards program, offers, discounts, travel benefits and more of it.
| Reward Benefits | Offers 10X reward points on purchases higher than Rs.25,000 on every billing cycle. |
| Provide 3X reward points on offline purchases. | |
| 6X reward points on online purchases. | |
| A birthday present too! The card offers 10X reward points on birthday expenses. | |
| Additional Benefits | Get 5% cashback on your first EMI transaction made within 90 days of card purchase. |
| A buy 1 get 1 offer on movie ticket purchase of Rs.250 per ticket but twice per month. | |
| Get a complimentary railway lounge access (upto 4 per quarter) | |
| Charges a low foreign exchange markup fee of 1.99%. |
(2) Amazon Pay ICICI Credit Card
This Amazon Pay ICICI Credit Card offers 2% higher cashback and reward programs to Amazon Prime Membership users.
Apart from that customers earn a cashback of 2% at 100+ Amazon Pay partner merchants when they use Amazon Pay as their payment method. While all other transactions give 1% cashback.
Below table represents the benefits and features the card offers
Reward Benefits & Additional Benefits | Reward points on Amazon spend for Prime members. |
| 2% cashback and reward offers on spending at Amazon Pay Partner merchants. | |
| 5% cashback for Prime members. | |
| Reward offers and prizes at partner restaurants of ICICI Bank. | |
| 3% cashback for non prime members. | |
| 2% cashback and 2X reward points on 100+ partner restaurants of ICICI bank. | |
| 1% fuel surcharge waiver across all petrol pumps and 1X reward points. |
This Amazon ICICI credit card is a lifetime free credit card that charges no annual, joining, as well as renewal fee. The card offers reward points every time you spend it partner merchants with Amazon and special offers for Amazon Prime Members.
(3) Standard Chartered Platinum Rewards Credit Card
This Standard Chartered Platinum credit card comes with a joining fee of Rs.250 and the amount is the same for renewal fee too. The renewal fee charges will be waived off if the spending is more than 60,000.
| Reward Benefits | Get 5X reward points on every spent of Rs.150 on hotels, restaurants, and fuel. |
| And 1X reward point on every Rs.15o spent on all other categories. | |
| Additional Benefits | Gives 100% cashback on upto Rs.500 spent on restaurants within the 90 days after the purchase of card. |
| Renewal fee is waived on spending more than Rs.60,000. | |
| Also offers a video KYC option for getting fast approval for the credit card. |
It helps you earn 5X reward points every time you dine out and as well as on fuel too. The card, which has a nominal amount of joining fee, provides its customers with a bundle of features.
(4) Axis Bank Neo Credit Card
It also charges a minimum amount as its joining fee, which is Rs.250. One of the best suited cards for all shopping lovers.
The card offers a special feature called the “power of 10”, in which the cardholders receive a 10% discount on Blinkit, BookMyShow movie tickets, and Myntra.
Below are the benefits and features the card offers
| Reward and Additional Benefits | 1X reward points on every Rs.200 spent. |
| Get 100% cashback of upto Rs.300. | |
| Offers reward points and upto 10% discount on Myntra, BookMyShow, and Blinkit. | |
| Get upto 40% discount on Zomato food delivery. | |
| Get 5X reward points and 5% off on bill payments via Amazon Pay. |
This card by Axis bank is an absolutely great one to consider for those who love to shop specially through Myntra, as it provides great deals and offers on shopping via Myntra. It offers upto 10% of cashback and various reward points on the deal.
(5) American Express Smart Earn Credit Card
The credit card which is considered among the best one to select for rewards credit cards. The card charges a joining fee of Rs.495 and the amount is same for renewal charges of the card.
However these charges can be waived off or turned down if the amount spent through the card is more than Rs.40,000 or above annually. Interesting right!
| Reward Benefits | 1X membership rewards points for spending Rs.50 on all categories except for insurance, utilities, fuel, cash transactions and also provides EMI conversion at the point of sale. |
| 10X membership reward points on spending Rs.50 every time on platforms like Flipkart, Amazon, and Uber. | |
| Not only that the card offers 5X membership rewards points on spending Rs. 50 spent every time on Paytm Wallet, Big Bazaar, PVR, Jabong, Blinkit, Swiggy, BookMyShow, Myntra, and more. | |
| Additional Benefits | After achieving a spending milestone of Rs.1.20 lakhs, Rs. 1.80 lakh and Rs. 2.40 lakh, respectively within the card membership year, get vouchers worth Rs. 500 on each of them. |
| Get Rs.500 cashback as a welcome gift on spending Rs.10,000 in the first 90 days of the card purchase. | |
| 0% convenience fee on fuel purchases less than Rs. 5,000 at HPCL Petrol Pumps. |
This card is considered best for those who frequently shop. The card offers amazing benefits on platforms like Amazon and Flipkart, and with that provides super facilities like bonus cashback, gift vouchers, etc.
(6) Axis Ace Credit Card
This one comes at a joining fee of Rs.499 and is one of the highest ones to look for if you want amazing cashback and reward points. It offers amazing cashbacks and reward programs on mobile payments, DTH charges, and a lot more.
Some of the amazing features are-
| Reward and Additional Benefits | It offers 5% cashback and 5X reward points to Amazon prime members. |
| Offers 3% to non prime members. | |
| Visit to 4 complementary domestic lounges in a year. | |
| Reward points and 4% cashback on platforms like Swiggy, Zomato, and Ola. | |
| 2% cashback and reward points on all other spends. | |
| 5% cashback and reward points on every bill payment, mobile payment, and DTH recharge, done via Google Pay. | |
| Get up to 20% off at 4,000+ participating restaurants. |
(7) SBI SimplyCLICK Credit Card
One of the most used cards by SBI. The card comes at a joining fee of Rs.499. The card is considered one of the best to use not only because of the features and benefits it offers but also because of its easy application process and charges.
Some other benefits the card offers-
Reward and Additional Benefits | Get upto 10X reward points on spending Rs.100 every time on online purchases done on Apollo 24×7, Cleartrip, Dominos, Myntra, BookMyShow, Yatra, Netmeds. |
| 1 reward point on spending Rs.100 on all other categories everytime. | |
| 5X reward points on spending Rs.100 on online spends. | |
| Get a gift voucher of Rs.500 from Amazon as a welcome gift. | |
| Get a cleartrip or Yatra e-voucher of Rs.2,000 on reaching spending milestones Rs.1 lakh and Rs.2 lakh. | |
| Apart from that get 1% as fuel surcharge waiver for transactions between Rs.500 to Rs.3,000. |
Apart from the above-mentioned benefits, the card offers super amazing benefits and features via e-vouchers from leading brands, thus, offering more than the fee charged for the card. ‘
(8) Flipkart Axis Bank Credit Card
This Axis Bank Flipkart credit card is designed to offer its users the special reward programs and super amazing cashbacks. But specially to the Flipkart loyalists.
Benefits of the card are-
| Reward and Additional Benefits | Get upto Rs.600 after getting the card. |
| Charges Rs.500 as joining fee. | |
| Get exciting reward programs and points and 5% cashback on using it on Flipkart. | |
| Get upto 4 complimentary lounge visits every year. | |
| Upto 4% cashback on shopping via other merchants. | |
| A 15% discount is offered on dining at 10,000+ partner restaurants under Axis bank dining delights. | |
| Also get upto 1x reward point and 1.5% cash back across all other categories. |
This amazing collaboration between Axis bank and Flipkart, have provided users with great opportunities to earn reward points and various cashbacks. The benefits are more for the Flipkart loyalists.
(9) HDFC Millennia Credit Card
By shopping through this card you’ll be warded with various reward programs and exciting cashback offers.
Here are some other benefits the card offers
| Reward and Additional Benefits | Get upto 4 domestic lounge visits per year after spending Rs.1 Lakh in a quarter. |
| A 20% is offered while dining out via Swiggy dineout. | |
| Get a gift voucher of Rs.1,000 on spending at least Rs.1 lakh in each calendar quarter. | |
| Comes at a joining fee of Rs.1,000. | |
| Get upto 5 reward points and 5% cashback on BookMyShow, Amazon, Cult.fit, Myntra, Swiggy, Sony LIV, Zomato, and Ola. | |
| 1% cashback and 1 reward point on spending on all other categories except fuel. |
Apart from the above mentioned features the card also offers EMI facilities and wallet transactions.
(10) HDFC Regalia Credit Card
Another rewarding credit cards by HDFC. The card comes at a joining fee of Rs. 2,500. The card is among the best ones to look at if you want highest reward points and exciting cashback offers across multiple categories.
Here are some of the benefits the card offers
| Reward and Additional Benefits | The reward points through this card are valid upto 2 years. |
| Get additional 5,000 reward points on spending Rs.8 lakh annually. | |
| Enjoy upto 4x reward points on spending Rs.150 on retail centers. | |
| Get upto 10,000 reward points on spending Rs.5 lakh annually. | |
| Charges low foreign currency markup fee of 2% | |
| Enjoy 8 complimentary visits to airport lounges per calendar year, and 2 in a quarter, on spending Rs. 1 Lakh or more than that in a calendar quarter. | |
| Get complimentary Priority Pass membership with 6 complimentary lounge access in a calendar year. | |
| Get 1% off on fuel surcharge waiver at a maximum of Rs.400 at all fuel stations across India. | |
| Value of 1 reward point is equal to Re. o.50. |
Not only it serves the above mentioned features and benefits but also falls under the premium card category and is an amazing option to consider while saving money as well as enjoying luxury benefits.
(11) SBI Prime Credit Card
This SBI Prime credit card gives its users amazing opportunities to earn rewards. Be it using for grocery, shopping purpose, dining purpose, etc. the card is considered as one of best to earn exciting rewards and cashbacks. The card comes at a joining charge of Rs.2,999.
The other benefits and features of the card are
Reward and Additional Benefits | Get upto 2 reward points on spending Rs.100 every time on all expenses except for fuel. |
| A birthday bonus too! Get 20 reward points on spending Rs.100 every time on your birthday. | |
| While spending Rs.100 every time on grocery, dining, movies, departmental stores, get upto 10 reward points. | |
| Get a welcome gift voucher from brands like Bata, Yatra.com, Pantaloons, etc. worth Rs.3,000. | |
| Get complimentary club Vistara membership. | |
| Get access to upto 4 international and 8 domestic lounges in a year. | |
| Get a complimentary membership of Trident Privilege Red Tier. |
One of the best features of the card is that the renewal charges of the card which are Rs.2,999, can be waived off or turned down if the spend is more than Rs.3 lakh annually.
Summing Up: Rewarding Credit Cards
For shopping lovers, shopping is more than just buying out new stuff, it’s the experience, relaxation that comes with it, be it shopping via offline method or online method.
The above 11 most rewarding credit cards for shopping, offer exclusive discounts, offers, and benefits that are unforgettable, exciting, and amazing.
Note: We have detailed explanation about:
- 7 Most Rewarding RuPay credit cards,
- 8 Best Credit Cards for Movie Tickets in India,
- 8 Best Travel Credit Cards in India.
Visit the articles to know more about them!
