Shopping credit cards are best used for in-store purchases, as you might expect. The majority of these shopping credit cards are essentially entry-level cards with high reward rates for purchases made at specific online and physical retailers. Many of these shopping credit cards were developed as co-branded cards by card issuers and partner retailers. The two most widely used shopping credit cards in India are the ICICI Amazon Pay Credit Card and the Axis Bank Flipkart Credit Card. As entry-level credit cards, the majority of shopping credit cards are either lifetime free (like the Amazon Pay ICICI Bank Credit Card) or have a low annual charge.

1) Flipkart Axis Bank Credit Card

A few months after ICICI Bank introduced the ICICI Amazon Pay Credit Card, Axis Bank did the same with the Flipkart Axis Bank Credit Card. Because it gives 5% cashback on purchases made on Flipkart and Myntra, this card is ideal for those who buy at Flipkart online. Along with advantages for travel, food, and petrol, the card also offers cashback at well-known retailers like Swiggy, PVR, Uber, etc.

Fees & Charges

Joining Fee: Rs.500

Annual Fee: Rs.500(waived off on spending Rs. 2 lakh in the previous year)

Add-on card annual fee:Nil

Eligibility Required

Criteria	Details
Occupation	Salaried or Self Employed
Nationality	Resident of India or a Non-Resident Indian
Age*	Minimum 18years to 70 Year

Flipkart Axis Bank Credit Card Features and Benefits

Welcome Benefits:

• The Axis Bank Flipkart credit card comes with joining and activation incentives of Rs. 3,300.
• Get a Rs. 500 Flipkart voucher when you make your first purchase.
• Free 6-month subscription to Gaana.com with your credit card.
• Get a discount of Rs. 500 on Goibibo when using your credit card to make domestic hotel reservations with a minimum purchase of Rs. 2,000.
• Get a discount of Rs. 500 on your MakeMyTrip domestic hotel reservation of Rs. 2,000.
• With this credit card, you can receive 15% cashback up to Rs. 500 on your initial Myntra purchase.
• New users of Urban Clap receive a 20% discount, good for up to Rs. 400 on credit card purchases.

Cashback Benefits:

• 5% off of purchases from Flipkart, Myntra, and 2GUD.
• Get 4% cashback at all your favourite retailers.
• On all other categories, there is a 1.5% cashback.

Travel Benefits:

Receive four complimentary trips to domestic airports each year when you use your Axis Bank Flipkart credit card.

Fuel Benefits:

• At all petrol stations in India, use your credit card to get a 1% fuel surcharge waiver.
• Only transactions totaling between Rs. 400 and Rs. 4,000 are eligible for the promotion.
• Fuel surcharge GST will not be refunded.

Dining Benefits:

• Get a 20% discount at participating restaurants when you use your Axis Bank Flipkart credit card as part of the Axis Bank “Dining Delights” programme.
• It is suggested to visit the Axis Bank website to view the list of restaurants.

EMI Benefits:

• You can use the credit card to turn your purchases into low-interest EMIs with a variety of tenure options.
• With your credit card, only purchases totaling a minimum of Rs. 2,500 can be converted to EMIs.

2) Amazon Pay ICICI Bank Credit Card

A co-branded shopping credit card called Amazon Pay ICICI Bank Credit Card was just introduced on the Visa payment network by ICICI Bank in collaboration with Amazon India. It quickly rose to become one of the nation’s most popular credit cards for online shopping. It used to be an invitation-only offering, but it’s now available to everyone. The Amazon ICICI Credit Card rewards you with cashback in the form of Amazon Pay balance, which appears in your Amazon Pay balance, which is why it is so well-liked.

Fees & Charges

Joining Fee:Nil

Annual Fee:Nil

Add-on card annual fee:Nil

Eligibility Required

Criteria	Details
Occupation	Salaried or Self Employed
Nationality	Resident of India or a Non-Resident Indian
Age*	18 to 60 years
Minimum Income Required	Rs. 25,000 for ICICI Customers, Rs. 35,000 for other applicants

ICICI Amazon Pay Credit Card Features and Benefits

Welcome Benefits:

With the card, you receive unique welcome incentives worth Rs. 1500 and a free 3-month Prime subscription. The following appreciated advantages are provided:

• Get a flat Rs. 150 discount on your first Amazon purchase or bill payment
• 20% off your power bill payment, up to a maximum of Rs. 250
• 50% back on your prepaid cellphone recharge, up to Rs. 100.
• 25% of your postpaid cell bill payment, up to a maximum of Rs. 300
• 10% return on petrol cylinder payments up to Rs. 125
• 25% off of your broadband bill payment, up to a maximum of Rs. 350
• 25% off of your DTH recharge, up to Rs. 100

Dining Benefits:As part of the ICICI bank’s Culinary Treats programme, this card offers you savings of at least 15% on bill payments at all participating restaurants.

Fuel Surcharge Waiver and Cashback:At all petrol stations in India, you may avoid paying the 1% fuel fee (so long as your purchase doesn’t cost more than Rs 4,000).

3)Paytm SBI Credit Card Select

A new international Visa credit card called the Paytm SBI Credit Card Select has been introduced by SBI Card in partnership with Paytm. It is a cashback reward card that can be used at more than 24 million stores worldwide and more than 3 Lac offline establishments in India to make purchases. The “Select” credit card, which at the top of the queue, gives the best rights and perks. It provides Paytm First Membership, a feature that is unique to this card. Additionally, it provides access to domestic airport lounges, international priority pass, and 1% fuel surcharge waiver at all fuel stations in India, in addition to cashback on purchases and spending made both online and offline.

Fees & Charges

Joining Fee:Rs 1,499+GST

Annual Fee:Rs 1,499+GST

Add-on card annual fee:Nil

Eligibility Required

Criteria	Details
Occupation	Salaried or Self Employed
Nationality	Resident of India or a Non-Resident Indian
Age*	18 to above

Paytm SBI Credit Card Select Features and Benefits

Welcome Benefits:

• You receive a free Paytm First Membership as a welcome promotion when you activate your Paytm SBI credit card Select. Activation of the card would occur following a successful retail purchase. You will receive a variety of benefits and deals (up to Rs 75,000) under the Paytm First Membership on food, travel, fashion, entertainment, etc.
• Upon successful credit card activation, the cardholder will receive a welcome reward of Rs 750 on their Paytm wallet.

Rewards:You may earn additional cashback with the Paytm SBI credit card Select in addition to the initial bonus. As long as you fulfil the following rules, you can earn cashback:

• Cashback on Paytm Mall, Movies, Travel=5%cash back
• Cashback on all other purchases on Paytm App=2%cashback
• Cashback on other online and offline spends=1%cashback

Travel Benefits on Paytm SBI Card Select:

Your travel demands may be met by the Paytm SBI Card Select, since doing so would result in a 5% cashback. Additionally, this card entitles you to free lounge access:

• Once every three months, for a total of four complimentary lounge visits throughout India.
• Free Priority Pass for the first two years of cardholder participation, valued at US $99

Milestone Benefits:

If you use a Paytm SBI Card SELECT, you can receive a Paytm First Membership Voucher upon renewal after spending Rs. 1,000,000 in a calendar year.

• 2,000 rupee gift certificate after reaching an annual retail purchase of 4 lakh rupees.
• 4,000 rupee gift certificate for reaching an annual retail expenditure of 6 lakh rupees.

Insurance Benefits:With a Cyber Fraud Insurance Cover of Rs. 2 Lacs, the Paytm SBI credit card Select is protected from financial damage brought on by the unauthorised use of your credit card. It expressly disclaims coverage for Lost Card Liability, fake card security, and online fraud.

Fuel Surcharge Waiver:Get rid of the 1% fuel fee when you buy fuel at any petrol station in India. This promotion is good for purchases between Rs. 500 and Rs. 3000.

4)American Express Membership Rewards® Credit Card

The American Express Membership Rewards® Credit Card offers exclusive advantages and perks with every purchase. You must pay a joining fee of Rs 1,000 and a renewal fee of Rs 4,500 to use the Membership Rewards® Credit Card. When you spend Rs 1,50,000 or more annually, the renewal charge is eliminated. For every Rs. 50 you spend outside of gasoline purchases, utility bill payments, insurance, and cash transactions, you can earn 1 membership reward point. Get a bonus of 1,000 membership reward points after using your card four times on purchases totaling Rs. 1,500 or more. Other rewards and advantages of the Membership Rewards® Credit Card include monthly milestone rewards, waivers of fuel surcharges, entertainment advantages, and insurance advantages.

Fees & Charges

Joining Fee:Rs 1,000 (plus applicable taxes)

Annual Fee:Rs 4,500 (plus applicable taxes)

Add-on card annual fee:Rs 1,500 (plus applicable taxes)

Spend based Waiver:A spend-based waiver on a renewal fee of Rs 4,500 on annual spending of Rs 1,50,000. Get 50 percent waiver on the renewal fee on annual spending between Rs 90,000 to 1,49,999

Eligibility Required

Criteria	Details
Occupation	Salaried or Self Employed
Nationality	Resident of India or a Non-Resident Indian
Age*	18 to 60 years
Minimum Income Required	Rs.6 lakh p.a

American Express Membership Rewards® Credit Card Features and Benefits

Welcome Benefits:A welcome bonus awarding 4000 Bonus Membership Reward Points is included with the Membership Rewards® Credit Card. When the membership cost of Rs. 1000 is successfully paid and Rs. 15,000 is spent within 90 days of the card’s activation, the welcome bonus can be used. Your registered phone number or email address will get an SMS or email containing information on the welcome benefits.

Rewards:

• For every Rs. 50 spent, receive 1 Membership Reward Point.
• The categories of gasoline purchases, utility bills, and insurance do not qualify for Membership incentives.

The acquired reward points can be exchanged for top-tier brand vouchers good against the 18 Karat and 24 Karat Gold Collection. The specifics are as follows:

18 Karat Gold Collection/ 18,000 MR Points	24 Karat Gold Collection/ 24,000 MR Points
Taj voucher worth Rs. 9,000	Taj voucher worth Rs. 14,000
Flipkart voucher worth Rs. 7,000	Flipkart voucher worth Rs. 9,000
Croma voucher worth Rs. 7,000	Croma voucher worth Rs. 9,000
Amazon voucher worth Rs. 7,000	Amazon voucher worth Rs. 9,000
Big Basket voucher worth Rs. 8,000	Tanishq voucher worth Rs. 10,000
Myntra voucher worth Rs. 8,000	Vistara voucher worth Rs. 11,000
Shoppers Stop voucher worth Rs. 8,000	Shoppers Stop voucher worth Rs. 11,000
Statement cash of Rs 6,000/-	Statement cash of Rs 9,000/-

Monthly Milestone Rewards:

• If you use your American Express Membership Rewards® credit card for 4 purchases totaling at least Rs 1,500 in a single calendar month, you will receive 1,000 Bonus Membership Reward Points.
• When you spend Rs 20,000 in a calendar month, you get 1,000 Membership Reward Points based on your expenditure. To receive this advantage, the cardholder must register.
• Within 30 days of the end of the month, Membership Reward Points accumulated with your credit card will be assigned to the cardholder.
• It is not possible to redeem Membership Reward Points for statement cash under the spend-based monthly milestone reward.

Fuel Surcharge Waiver:

• For gasoline purchases up to Rs 5,000, all HPCL fuel stations will eliminate the 1% fuel levy.
• gasoline transactions at BPCL and IOCL gasoline stations are subject to a 1% fuel cost with a minimum transaction amount of Rs. 10, while all other fuel stations are subject to a 2.5% fuel surcharge.

Other Benefits:

• You receive 5,000 Membership Reward Points after paying the Rs. 4,500 first-year renewal charge. Within 90 days of the renewal, the Membership Reward Point will appear in the cardholder’s account.
• Use your American Express Reward credit card to receive exclusive dining savings up to 20% off at certain restaurants.
• You receive liability protection assurances including the promise of no lost cards, round-the-clock card help, replacement cards in an emergency, and dispute settlement.