If you’re looking to save big on your shopping spends in 2025, a well-chosen credit card can unlock cashback, reward points, and exclusive perks across platforms like Amazon, Swiggy, Flipkart, and your local grocery store.
In this guide, we break down the best shopping credit cards in India by category — including top picks for online shopping, groceries, cashback lovers, and even lifetime-free options. You will also find the links to apply to these credit card in the last table in this blog, so stay tuned!
Best Credit Cards for Online Shopping & Cashback
| Credit Card | Shopping Highlights | Annual Fee | Joining Perk |
|---|---|---|---|
| SBI Cashback Card | 5% cashback on online spends, 1% offline | ₹999 | Annual fee waived at ₹2L spend |
| Axis Bank Ace | 5% cashback via Google Pay, 2% elsewhere | ₹499 | ₹500 cashback on first bill payment |
| Amazon Pay ICICI | 5% cashback (Prime), 3% (non-Prime) on Amazon | ₹0 | Lifetime free, no joining bonus |
| HDFC Millennia | 5% cashback on Amazon, Flipkart, Myntra, etc. | ₹1,000 | ₹1,000 gift voucher on ₹30,000 spend |
| Amex SmartEarn | 10X rewards on Flipkart, Uber, Swiggy | ₹495 | ₹500 on ₹10,000 spend |
🔎 Top Pick: For regular Amazon users, Amazon Pay ICICI is unbeatable. For broad cashback, Axis Ace and SBI Cashback deliver excellent value.
Best Credit Cards for Grocery Shopping in India (2025)
| Credit Card | Grocery Shopping Benefits | Annual Fee | Joining Perk |
|---|---|---|---|
| HDFC MoneyBack | 5% cashback on grocery spends | ₹500 | 1% cashback on other categories |
| RBL Shoprite | 5% value back (rewards) on groceries | ₹500 | 2,000 reward points on first spend + fee paid |
| Swiggy HDFC Credit Card | 10% cashback on Swiggy/Instamart; 5% online spends | ₹500 | 3 months Swiggy One free |
| HSBC Live+ Credit Card | 10% cashback on grocery, dining, and food delivery | ₹999 | ₹1,000 cashback on ₹20,000 spend |
| SBI SimplySAVE Advantage | Extra rewards on groceries/supermarkets | ₹499 | Accepted globally, great entry-level card |
| HDFC Solitaire | High rewards on grocery & supermarket spends | ₹500+ | Travel and gift redemption options |
🛒 Top Pick: Swiggy HDFC Credit Card is excellent for Instamart users, while RBL Shoprite and HDFC MoneyBack are smart for household grocery spenders.
Best Lifetime-Free & Beginner-Friendly Credit Cards
| Credit Card | Shopping Highlights | Annual Fee | Ideal For |
|---|---|---|---|
| Amazon Pay ICICI | 5%/3% cashback on Amazon purchases | ₹0 | Amazon shoppers, beginners |
| ICICI Platinum Chip | Basic rewards, lifetime free | ₹0 | First-time credit card users |
| Stable Money Suryoday | 0.5% cashback on all spends, no annual fee | ₹0 | Those preferring secured cards |
🌟 Top Pick: Amazon Pay ICICI is a winner for zero-cost cashback. If you’re just starting out, these cards help you build credit while shopping smart.
Premium Shopping & Lifestyle Credit Cards
| Credit Card | Benefits | Annual Fee | Ideal For |
|---|---|---|---|
| HDFC Regalia | Premium shopping, lifestyle perks, airport lounges | ₹2,500 | Frequent travelers, lifestyle spenders |
| AU Zenith+ Credit Card | ₹40K+ worth of rewards, lounge/golf access | ₹4,999 | High spenders looking for lifestyle benefits |
| HDFC Infinia (Metal) | Invite-only; unmatched travel, dining, concierge | ₹12,500 | Ultra-premium users with high annual spends |
💼 Top Pick: For a mix of shopping + lifestyle + travel, HDFC Regalia offers solid value without the steep cost of Infinia.
Top Recommendations by Use Case
| Need | Best Cards with Application Link |
|---|---|
| All-round cashback | SBI Cashback, Axis Ace, HDFC Millennia |
| Grocery/Essentials | RBL Shoprite, HDFC MoneyBack, HSBC Live+, Swiggy HDFC |
| Zero annual fee | Amazon Pay ICICI, ICICI Platinum Chip |
| Premium shopping + travel | HDFC Regalia, AU Zenith+, HDFC Infinia |
How to Apply & Earn with PickMyWork
You can not only apply for these credit cards easily via PickMyWork — but also earn by helping others apply.
- No investment required
- Get paid per activation
- Work from your phone, anytime
- Perfect for students, gig workers, and freelancers
👉 Download the PickMyWork App to apply or start earning!
Whether you’re shopping online, buying groceries, or looking for premium perks — the right credit card can turn your everyday spends into savings.
Compare the features, assess your spending habits, and pick the one that aligns with your lifestyle. And if you want to go one step further — become a PickMyWork agent and turn your card knowledge into real income.
Frequently Asked Questions (FAQs)
Q1. Which credit card is best for online shopping in India (2025)?
The SBI Cashback Card and Axis Bank Ace are among the best for online shopping, offering up to 5% cashback. For Amazon shoppers, the Amazon Pay ICICI Card is a top free option.
Q2. Which credit card is best for grocery shopping?
Top grocery cards include the RBL Shoprite Credit Card, HDFC MoneyBack, and the Swiggy HDFC Credit Card(great for Instamart). These offer 5–10% rewards/cashback on grocery spends.
Q3. Is there a lifetime-free credit card with good shopping benefits?
Yes. The Amazon Pay ICICI Card is lifetime free and offers up to 5% cashback on Amazon. The ICICI Platinum Chip Card is also free and good for beginners.
Q4. Can I apply for these credit cards without a high credit score?
Some cards like RBL Shoprite and ICICI Platinum Chip may accept applicants with limited or no credit history. However, approval is subject to income and verification checks.
Q5. What is the best cashback card overall in 2025?
The SBI Cashback Card is considered the best all-round cashback card, with 5% back on online spends. If you prefer Google Pay, Axis Ace offers great value too.
Q6. Are premium cards like HDFC Regalia worth it for shopping?
Yes, especially if you spend on lifestyle, travel, or high-ticket items. HDFC Regalia offers lounge access, rewards, and premium privileges that add up for frequent shoppers.
Q7. Can I earn money by helping others apply for credit cards?
Yes! With PickMyWork, you can earn money for every successful credit card application you refer. Just sign up on the app and start referring.
Q8. Do shopping credit cards offer fuel or travel benefits too?
Some do! Cards like HDFC Millennia and Regalia offer additional perks like lounge access or fuel surcharge waivers, making them good all-rounders.
Q9. What are the other Credit Cards options for me?
Check out all the credit cards here – Choose your credit card & fill your digital credit card application right away
