Best Credit Cards for Shoppers: Top 6 Picks with Cashback & Discounts

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If you use a credit card and love shopping online or in stores, you should know about the best credit cards that give you cashback and discounts. Here are 8 top credit cards that can help you save money every time you shop.

1. Cashback SBI Card

This card is great if you shop a lot online. You get 5 percent cashback on all online purchases, no matter which website you use. For shopping in stores, you get 1 percent cashback. If you spend ₹2 lakh in a year, you do not have to pay the yearly fee. Learn more on the SBI Card website.

2. YES Bank Paisabazaar PaisaSave Credit Card

This card gives you 3 percent cashback on online shopping and 1.5 percent cashback in stores. You also get 6 reward points for every ₹200 spent on e-commerce websites.

3. Amazon Pay ICICI Bank Credit Card

If you shop a lot on Amazon, this card is perfect. Amazon Prime members get 5 percent cashback on Amazon India. If you are not a Prime member, you still get 3 percent cashback. You also get 2 percent cashback when you use Amazon Pay with over 100 partner merchants. For other spends like dining, travel, and insurance, you get 1 percent cashback.

4. HDFC Bank Millennia Credit Card

This card gives you 5 percent cashback on popular platforms like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Tata CLIQ, SonyLiv, and Cult.fit. You get 1 percent cashback on all other spends. If you spend ₹1,00,000 or more in a year, you get gift vouchers worth ₹1,000.

5. Flipkart Axis Bank Credit Card

This card is best for Flipkart and Cleartrip users. You get 5 percent cashback on Flipkart and Cleartrip. On other platforms like Cult Fit, PVR, Uber, and Swiggy, you get unlimited 4 percent cashback.

6. Standard Chartered DigiSmart Credit Card

With this card, you get 10 percent off on Blinkit and Zomato, up to five times a month. The maximum discount is ₹1,000 on Blinkit per month and ₹150 on Zomato per transaction. There are some conditions, so check the details before you apply.

7.Axis Bank Ace Credit Card

This card gives you 5% cashback on bill payments and mobile recharges via Google Pay. You also get 2% cashback on all other spends. This is great for people who pay bills or recharge online often.

8. Amazon Pay SBI Credit Card

This card is perfect for Amazon shoppers. Amazon Prime members get 5% cashback on Amazon purchases. If you are not a Prime member, you still get 3% cashback. You also get 1% cashback on other spends.

How to Choose the Right Credit Card

When you pick a credit card, look at your own shopping habits. If you shop a lot online, a card that gives more cashback online is best. If you shop in stores, check for cards with good offline offers. Always check for annual fees and other charges. Read the terms and conditions carefully before you apply.

Why Trust Matters

For money and financial decisions, trust is very important. Google and other experts say that financial content should be clear, honest, and up to date . Always get advice from a certified financial expert before you make big decisions about credit cards or loans.

Moneygale Advice for Smart Shoppers

Compare offers: Look at more than one credit card before you choose.
Check for hidden charges: Some cards have extra fees.
Pay your bills on time: This helps you avoid extra interest and keeps your credit score high.
Use your rewards: Use your cashback and points before they expire.

Disclaimer: This article is for information only. MoneyGale does not promote any specific credit card or financial product. Always talk to a certified financial expert before you apply for any credit card. Credit cards have risks like high interest rates and hidden charges. Use them wisely. For more personal finance updates, visit Moneygale