Shopping Credit Cards
Maximize rewards on retail purchases with cards offering enhanced earnings at your favorite stores. Enjoy exclusive shopping benefits and discounts.
HDFC Millennia Credit Card
Annual Fee
₹1000
APR
43.2%
Joining Fee
₹1000
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback on popular online platforms and lifestyle benefits.
Reward Benefits
5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions).
₹1,000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
Pros
- Up to 5% cashback on major online platforms.
- Gift vouchers on quarterly spends.
- Dining discounts via Swiggy Dineout.
- Fuel surcharge waiver.
Cons
- Monthly capping on cashback earnings.
- Lower cashback rate on non-partnered spends.
- Exclusions on certain transactions like fuel, wallet loads, EMI, and government transactions.
HDFC Bank Freedom Credit Card
Annual Fee
₹500
APR
43.2%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Perfect for individuals who enjoy shopping, dining, and online purchases with an attractive rewards program.
Reward Benefits
Earn 10x CashPoints on select merchants (maximum 2,500 CashPoints/month).
Earn 1 CashPoint per ₹150 spent on other purchases (excluding EMI, fuel, and wallet loads).
Up to 20% discount at partner restaurants via Swiggy Dineout.
Pros
- 10x CashPoints on select merchants (BigBasket, Swiggy, Uber, etc.).
- 5x CashPoints on EMI purchases at merchant stores.
- Up to 20% discount at partner restaurants via Swiggy Dineout.
- Low joining and renewal fees.
- Wide range of redemption options for CashPoints.
Cons
- Reward Points for RuPay UPI spends capped at 500 RP/month.
- No Reward Points earned on wallet loading, EMI, and education payments via third-party apps from September 2024.
HDFC MoneyBack Credit Card
Annual Fee
₹500
APR
43.2%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback benefits on everyday purchases, along with attractive rewards on shopping and dining.
Reward Benefits
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
2 CashPoints per ₹150 spent on other transactions.
₹500 gift voucher on spending ₹50,000 per calendar quarter.
Pros
- 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
- 2 CashPoints per ₹150 spent on other transactions (excluding EMI, fuel, wallet loads/prepaid card loads & voucher purchases).
- ₹500 gift voucher on spends of ₹50,000 per calendar quarter (up to ₹2,000 in a year).
- Up to 20% savings on restaurant bills via Swiggy Dineout.
- Fuel surcharge waiver of 1% on fuel transactions (Min ₹400, Max ₹5,000; Max waiver ₹250 per statement cycle).
- Quarterly gift vouchers for meeting spend requirements.
Cons
- Foreign transaction fee of 3.5%.
- No fuel cashback for fuel purchases.
- Annual fee of ₹500 + taxes.
Axis Bank SELECT Credit Card
Annual Fee
₹3000
APR
3.6%
Joining Fee
₹3000
Cash Advance
300%
Why Choose This Card
Ideal for shopping and travel, with luxurious benefits like international lounge access, exclusive discounts, and premium experiences.
Reward Benefits
10 EDGE Points per ₹200 spent.
2X Rewards for every ₹200 spent on retail shopping.
Capped 2X Rewards for up to ₹20,000 spent monthly.
Pros
- 10 EDGE Points per ₹200 spent.
- 2X Rewards for every ₹200 spent on retail shopping.
- Exclusive Priority Pass membership with up to 12 complimentary international lounge visits annually.
- Swiggy discount of ₹200 twice a month (minimum order ₹500).
- BigBasket discount of 20% (up to ₹500 monthly) on purchases above ₹2,000.
Cons
- High joining fee of ₹3,000 (waived off for spends of ₹6,00,000 or more).
- Foreign transaction fee of 3.5% plus taxes.
- Late payment fee for amounts over ₹5,000 can reach up to ₹1,200.
- Fuel transactions are excluded from reward points.
AXIS Bank NEO Credit Card
Annual Fee
₹0
APR
3.6%
Joining Fee
₹0
Cash Advance
300%
Why Choose This Card
A perfect card for those who love to shop, dine, and enjoy cashback benefits on utility payments and movie bookings.
Reward Benefits
Earn 1 EDGE REWARD point for every ₹200 spent.
Redeem EDGE REWARD points for over 500+ options.
Pros
- Lifetime free card.
- 40% off on Zomato food delivery (up to ₹120 per order).
- 5% cashback on utility bill payments and mobile/DTH recharges via Amazon Pay.
- 10% discount on movie tickets via BookMyShow, capped at ₹100 monthly.
- 15% discount on Dining Delight offerings (up to ₹500).
- INR 150 off Myntra purchases (minimum ₹999).
Cons
- Foreign transaction fee of 3.5% plus taxes.
- Cashback on utility payments capped at ₹150 per month.
- Cash advance fee of ₹300 or 2.5%, whichever is higher.
IDFC First Millennia Credit Card
Annual Fee
₹0
APR
9%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
An ideal card for shopping, lifestyle benefits, and high rewards earning potential, especially for those who enjoy dining, travel, and entertainment.
Reward Benefits
Earn 10X points for spending over ₹20,000/month and on your birthday.
6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
1 reward point per ₹150 spent (1X).
Reward exclusions: Fuel, EMI transactions, cash withdrawals, and certain other expenses.
Pros
- Free annual fee and joining fee.
- 10X points for spending over ₹20,000/month and on your birthday.
- 6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
- 300+ year-round merchant offers.
- Up to 20% off at 1,500+ restaurants.
- Up to 15% off at 3,000+ Health & Wellness outlets.
- 4 complimentary railway lounge visits per quarter.
- 1% fuel surcharge waiver on fuel purchases.
- Personal Accident Coverage of ₹2,00,000.
Cons
- No reward points on fuel, EMI transactions, or cash withdrawals.
- No rewards for insurance premiums.
- Late payment fee of up to ₹1,250.
IDFC First Select Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
An ideal card for those who spend on shopping, travel, and entertainment, with great rewards on transactions over ₹20,000 monthly and a variety of lifestyle and travel benefits.
Reward Benefits
Earn 10X points for spending over ₹20,000/month and on your birthday.
Earn 3X points for online and in-store purchases (up to ₹20,000/month).
Earn 1X point for every ₹125 spent.
No rewards for fuel, EMI purchases, and cash withdrawals.
Pros
- Free annual and joining fees.
- 10X points on spending over ₹20,000/month and on your birthday.
- 3X points on online and in-store purchases (up to ₹20,000/month).
- Earn 1X point for every ₹125 spent.
- No reward points on fuel, EMI, or cash withdrawal transactions.
- Up to 20% off at 1,500+ restaurants.
- Up to 15% off at 3,000+ Health & Wellness outlets.
- Access to 300+ year-round merchant offers.
- Complimentary airport and railway lounge visits.
- Air Mishap Protection coverage up to ₹1 crore.
Cons
- No rewards for fuel, EMI, or cash withdrawals.
- Foreign transaction fee of 1.99%.
- Late payment fee can go up to ₹1,250.
IDFC First Classic Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
This card offers great rewards and benefits for spending on online and offline shopping, fuel, travel, and dining, along with additional lifestyle and insurance benefits.
Reward Benefits
10X Reward Points for monthly spending over ₹20,000 and on your birthday.
6X Reward Points for online shopping (up to ₹20,000/month).
3X Reward Points for offline transactions (up to ₹20,000/month).
1X Reward Point for every ₹150 spent.
No rewards for fuel, EMI transactions, or cash withdrawals.
Pros
- Free annual and joining fees.
- 10X Reward Points for monthly spending over ₹20,000 and on your birthday.
- 6X Reward Points for online shopping (up to ₹20,000/month).
- 3X Reward Points for offline transactions (up to ₹20,000/month).
- 1X Reward Point for every ₹150 spent.
- Up to 20% dining discounts at 1,500+ restaurants.
- 15% discounts at 3,000+ wellness centers.
- Complimentary railway lounge access (4 visits per quarter).
- Complimentary roadside assistance worth ₹1,399.
- Personal Accident Insurance coverage of ₹2,00,000.
Cons
- No rewards for fuel, EMI transactions, or cash withdrawals.
- Foreign transaction fee of 3.50%.
- Late payment fee can go up to ₹1,250.
Kotak White Credit Card
Annual Fee
₹3000
APR
0%
Joining Fee
₹3000
Cash Advance
300%
Why Choose This Card
Choose the Kotak White Credit Card if you are a frequent traveler and enjoy access to premium travel lounges, exclusive discounts on hotel bookings, and luxury brand rewards. With significant rewards and travel benefits, it is perfect for those who value convenience and luxury.
Reward Benefits
Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
Welcome offer: Earn ₹1,500 White Pass value by spending ₹30,000 within 60 days.
Pros
- Access to 1,300+ VIP lounges in 148 countries via Priority Pass.
- 4 complimentary international lounge passes annually.
- Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
- Earn ₹1,500 White Pass value with ₹30,000 spend within 60 days.
- Discounts on hotel bookings and flight deals.
- 1% fuel surcharge savings at petrol pumps.
- Contactless payments with PayWave technology.
- Ability to convert purchases above ₹2,500 into EMI.
Cons
- High annual fee of ₹3,000 (waived with ₹5 lakh retail spend).
- Cash advance fee of ₹300 per ₹10,000.
- Eligibility requirements including high income and credit score.
- Foreign transaction fee of 3.50%.
Kotak League Platinum Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹499
Cash Advance
500%
Why Choose This Card
Choose the Kotak League Platinum Credit Card if you want a rewards program with high earning potential on special categories such as airlines, travel agencies, and department stores. With significant milestone rewards and low renewal fees, this card is perfect for frequent shoppers and travelers.
Reward Benefits
8 reward points per ₹150 spent on special categories (Airlines, Travel Agencies, Electric Sales, Departmental Stores, Durable Goods).
4 reward points per ₹150 on all other spends.
8 reward points across all spends after reaching ₹2 lakh in annual spend.
Pros
- 8 reward points per ₹150 spent on special categories like Airlines, Travel Agencies, and Durable Goods.
- 4 reward points per ₹150 on all other spends.
- 8 reward points across all spends after reaching ₹2 lakh in annual spend.
- Option to redeem reward points for free PVR tickets or bonus points.
- Fuel surcharge waiver (1%) with a max waiver of ₹3,500 annually.
- Railway surcharge waiver of up to ₹500 annually.
- Fraud liability cover up to ₹1.25 lakh for 7 days pre-reporting.
Cons
- Joining fee of ₹499 (waived off on ₹50,000 annual spend).
- Interest charges of 3.50% per month (42% p.a.).
- Foreign currency markup fee of 3.5%.
- Cash advance fee of 2.5% or ₹500, whichever is higher.
- Limited reward points redemption options.
Kotak 811 Credit Card
Annual Fee
₹500
APR
42%
Joining Fee
₹500
Cash Advance
500%
Why Choose This Card
The Kotak 811 Credit Card is perfect for those looking for a low-fee card with a variety of rewards options. With benefits like cashback, free movie tickets, and multiple redemption choices, it's ideal for customers who want to make the most of their spending.
Reward Benefits
Rewards points on initial transactions.
Milestone benefit of ₹750 cashback or 4 free PVR tickets after spending ₹75,000 in the anniversary year.
Pros
- Low joining and annual fees (₹500 each).
- Milestone benefit options of cashback or free PVR tickets after spending ₹75,000 annually.
- Fuel surcharge waiver (1%) with a maximum waiver of ₹3,500 annually.
- Railway surcharge waiver for both IRCTC and Indian Railways bookings.
- Contactless payments with Visa payWave for up to ₹5,000 without a PIN.
- EMV chip and 6-digit PIN authentication for enhanced security.
- Multiple redemption options like mobile recharges, shopping, travel, and movies.
Cons
- Cash advance fee of ₹500 or 2.5%, whichever is higher.
- Foreign currency markup of 3.5%.
- Cash payment fee of ₹100.
- Rental payment charges of 1% (MCC 6513).
- Annual fee waived only on ₹50,000 spend in the anniversary year.
Kotak Corporate Platinum Credit Card
Annual Fee
₹0
APR
42%
Joining Fee
₹0
Cash Advance
0%
Why Choose This Card
The Kotak Corporate Platinum Credit Card is designed to simplify business expenses with benefits like fuel surcharge waivers, travel perks, and comprehensive corporate management features. It's perfect for companies looking to streamline employee spending and track expenses efficiently.
Reward Benefits
Points redemption every quarter.
Cash rebates available via demand draft.
Simplified systematic redemption process.
Pros
- Fuel surcharge waiver (1%) for transactions between ₹500–₹3,000, capped at ₹3,500 annually.
- Global acceptance at over 10 million merchants.
- Interest-free period of up to 48 days.
- Free lost card replacement and no cash advance needed.
- Dedicated support with personal service manager.
- Simplified corporate expense management with real-time alerts and consolidated payments.
Cons
- Minimum credit score required is 730.
- APR of 42%, which is relatively high.
- Late payment fees apply, even for company-covered expenses.
- No specific welcome benefit or reward points for initial use.
IndusInd Platinum Aura Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
IndusInd Platinum Aura Credit Card offers a host of rewards, travel benefits, and insurance coverage, ideal for shoppers and travelers. With exclusive benefits like Priority Pass membership, comprehensive insurance, and tailored rewards for various categories, this card provides exceptional value for high spenders.
Reward Benefits
0.5 Saving Points for every ₹100 spent across all categories.
Up to 4 Saving Points for every ₹100 spent on select categories.
Rewards for spending across shopping, travel, dining, and home categories.
Pros
- Free Annual Fee.
- Rewards tailored for various spending categories (shopping, travel, and dining).
- Complimentary Priority Pass membership with access to 1,000+ global lounges.
- Up to 4 Saving Points per ₹100 spent on select categories.
- Exclusive gift cards from popular brands as a welcome offer.
Cons
- Foreign transaction fee of 3.5%.
- Higher cash advance fees (2.5% or ₹300).
- Over limit penalty can be as high as ₹500 or 2.5%.
IndusInd Bank Platinum Credit Card
Annual Fee
₹3000
APR
44%
Joining Fee
₹3000
Cash Advance
2.5%
Why Choose This Card
The IndusInd Bank Platinum Credit Card offers great rewards and shopping benefits along with complimentary movie tickets, a fuel surcharge waiver, and insurance coverage. With a 1.5 reward points for every ₹150 spent, and the flexibility to redeem points for multiple benefits, this card is perfect for individuals seeking value and convenience.
Reward Benefits
1.5 reward points for every ₹150 spent on any transaction.
Exclusive redemption options through IndusMoments, airline miles, cash credit, and Pay with Rewards.
Pros
- Earn 1.5 reward points for every ₹150 spent.
- 1% fuel surcharge waiver at all fuel stations in India.
- Two complimentary movie tickets each month.
- Premium welcome offers including luxury gift cards and vouchers.
- Wide range of reward redemption options including airline miles and cash credit.
Cons
- Annual and joining fee of ₹3000 + taxes.
- Foreign transaction fee of 1.8%.
- High APR of 44%.
BOB Eterna Credit Card
Annual Fee
₹2499
APR
42%
Joining Fee
₹2499
Cash Advance
2.5%
Why Choose This Card
The BOB Eterna Credit Card offers lucrative reward points, travel perks like unlimited lounge access, and exciting dining and movie benefits. Additionally, you can enjoy insurance coverage, milestone rewards, and a host of lifestyle offers, making it a great choice for individuals who shop, dine, and travel frequently.
Reward Benefits
15 reward points for every ₹100 spent on dining, movies, shopping, travel, and international transactions.
3 reward points for every ₹100 spent on other categories.
Milestone rewards: 10,000 bonus points for spending ₹50,000 in 60 days, 20,000 bonus points for spending ₹5 lakh annually.
Pros
- Earn 15 reward points for every ₹100 spent on dining, shopping, travel, movies, and international transactions.
- Unlimited domestic lounge access.
- Complimentary Fitpass membership worth ₹15,000.
- Special discounts at 250+ restaurants and luxury hotels.
- Buy 1 Get 1 movie tickets offer on Paytm Movies.
Cons
- Joining and annual fee of ₹2,499 + taxes.
- Foreign transaction fee of 2%.
- High APR of 42%.
BOB Select Credit Card
Annual Fee
₹0
APR
45%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The BOB Select Credit Card provides excellent reward benefits like 5X rewards on online dining spends, a 1% fuel surcharge waiver, and additional features like zero fraud liability. With no annual or joining fee and attractive fee reversal benefits, it's an ideal choice for shoppers and reward seekers.
Reward Benefits
5X reward points on online dining spends (₹100 = 5 points).
1 reward point for every ₹100 spent on other categories.
Max reward points capped at 1,000 points per month.
No reward points on fuel transactions.
Pros
- Earn 5X reward points on online dining spends.
- No annual or joining fees.
- 1% fuel surcharge waiver on eligible transactions.
- Up to 3 add-on cards for family members.
- Zero fraud liability on lost cards.
- Capped reward points for online shopping and dining.
Cons
- Foreign transaction fee of 3.5%.
- Maximum reward points capped at 1,000 per month.
- No reward points on fuel transactions.
BOB Premier Credit Card
Annual Fee
₹1000
APR
42%
Joining Fee
₹1000
Cash Advance
2.5%
Why Choose This Card
The BOB Premier Credit Card is a great choice for frequent travelers, diners, and shoppers, offering 5X rewards on travel, dining, and international purchases. With benefits like quarterly airport lounge access, fuel surcharge waivers, and rewards redemption options, it stands out for those who enjoy a premium lifestyle.
Reward Benefits
Earn 5X reward points on travel, dining, and international purchases (₹100 = 5 points).
Earn 2 reward points for every ₹100 spent on other categories.
Reward points capped at 2,500 points per month.
Pros
- Earn 5X reward points on travel, dining, and international purchases.
- Quarterly free airport lounge access.
- 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000.
- Zero fraud liability on lost or stolen cards.
- Up to 3 free add-on cards for family members.
- Reward points capped at 2,500 points per month.
Cons
- Foreign transaction fee of 3.5%.
- Annual fee of ₹1,000 + taxes.
- Joining fee of ₹1,000 + taxes.
- Reward points capped at 2,500 points per month.
BOB Easy Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The BOB Easy Credit Card is an ideal choice for individuals looking for easy access to rewards with no annual or joining fees. It offers attractive rewards on grocery, retail, and fuel purchases and comes with flexible repayment options. The contactless payment feature and EMI conversion make it a convenient and cost-effective option for everyday use.
Reward Benefits
Earn 5x reward points on grocery and retail store purchases.
Earn 1 reward point for every ₹100 spent on other purchases.
500 reward points for spending ₹5,000 within 60 days of card issuance.
Reward points capped at 1,000 per month for select categories.
Pros
- Earn 5x reward points on groceries and retail store purchases.
- No annual or joining fees.
- 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000.
- 0.5% cashback on bill payments under select MCCs.
- Up to 3 lifetime free add-on cards for family members.
- Flexible repayment options with interest-free credit up to 50 days.
Cons
- Foreign transaction fee of 3.5%.
- Reward points capped at 1,000 per month on select categories.
- 1% fuel surcharge waiver capped at ₹250 per statement cycle.
SBI PULSE Credit Card
Annual Fee
₹1499
APR
42%
Joining Fee
₹1499
Cash Advance
500%
Why Choose This Card
The SBI PULSE Credit Card is ideal for health-conscious individuals and frequent shoppers. It offers a combination of health benefits, robust rewards, and milestone rewards, making it an excellent choice for those looking to save while staying fit and enjoying great rewards.
Reward Benefits
10 reward points for every ₹100 spent on Chemist, Pharmacy, Sports, Dining, and Movies.
2 reward points for every ₹100 spent on other purchases.
Redemption: 4 reward points = ₹1; points can be redeemed for outstanding balance or gifts from the Rewards Catalogue.
Pros
- Noise ColorFit Pulse 2 Max Smart Watch worth ₹5,999 on card issuance.
- 10 reward points per ₹100 on Chemist, Pharmacy, Sports, Dining, and Movies.
- 1-year complimentary FITPASS PRO and Netmeds First memberships.
- Waiver of renewal fee on annual spends of ₹2 Lakhs.
- Comprehensive insurance cover including fraud liability and air accident cover.
- 8 complimentary domestic lounge visits per year.
- Worldwide acceptance at 24 million outlets globally.
Cons
- Annual fee of ₹1,499 + taxes (waived on annual spends ≥ ₹2 Lakhs).
- Foreign currency transaction fee of 3.5%.
- Late payment fees for overdue amounts.
SBI SimplySAVE Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹499
Cash Advance
2.5%
Why Choose This Card
This card offers great rewards for everyday spending categories such as groceries, dining, and movies, making it a practical choice for basic spenders.
Reward Benefits
10 reward points per Rs. 150 spent on dining, movies, groceries, and departmental stores.
1 reward point per Rs. 150 spent on other categories.
Pros
- 10X reward points on dining, movies, grocery, and departmental store spends.
- Entry-level credit card with low annual fee and easier eligibility terms.
- Annual fee waiver condition of Rs. 1 Lakh in a year.
Cons
- Reward redemption options are limited to select brand vouchers only.
- No significant benefits other than the rewards program.
- Low reward rate as compared to some entry-level cashback cards.
SBI Unnati Credit Card
Annual Fee
₹0
APR
45%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
An ideal choice for individuals new to credit or with a poor credit score, offering benefits without an income prerequisite.
Reward Benefits
Earn 1 reward point per Rs. 100 spent.
Milestone cashback of Rs. 500 for annual spends of Rs. 50,000.
Pros
- No annual fee for the first 4 years.
- Secured credit card against FD, making it accessible for low credit scores.
- 1% fuel surcharge waiver on eligible transactions.
- Simple rewards program and milestone cashback benefits.
Cons
- Limited rewards rate (1 point per Rs. 100 spent).
- Milestone reward capped at Rs. 500 annually.
- Relies on a fixed deposit, restricting accessibility to non-FD holders.
SimplyCLICK SBI Card
Annual Fee
₹499
APR
3.5%
Joining Fee
₹499
Cash Advance
2.25%
Why Choose This Card
5X Reward Points on Amazon, BookMyShow & other partner merchants | 10X Reward Points on exclusive partner categories
Reward Benefits
5X points on Amazon, BookMyShow, Cleartrip, Foyer Healthcare
10X points on exclusive categories (Dineout, Swiggy, etc)
1 point = ₹0.25 redemption value
Pros
- 10X rewards on partner merchants
- No fuel surcharge
- Accelerated reward points
- Easy redemption options
Cons
- Joining fee not waived
- Limited benefits for offline spends
- High APR for revolving credit
SBI Tata Platinum Card
Annual Fee
₹3000
APR
3.5%
Joining Fee
₹3000
Cash Advance
2.5%
Why Choose This Card
Tailored rewards for Tata Group spends, accelerated points on groceries/dining, and domestic lounge access
Reward Benefits
Up to 3 Empower Points per ₹100 on dining, grocery, departmental stores, and international spends :cite[10]
1 Empower Point per ₹100 on other retail categories :cite[10]
5% value back at select Tata outlets (e.g., Westside, Tanishq) :cite[3]
3.5% value back at STAR Outlets (e.g., Star Bazaar) :cite[3]
Pros
- High rewards on Tata Group outlets (up to 5% value back) :cite[3]
- 8 complimentary domestic lounge visits/year :cite[10]
- No fuel surcharge on transactions ₹500–₹3,000 :cite[10]
- Flexible balance transfer options at lower interest rates :cite[2]
Cons
- High joining/renewal fee (₹3,000 + GST) :cite[10]
- No international lounge access :cite[10]
- 3.5% foreign currency markup fee :cite[10]
- Reward redemption fee of ₹99 per request :cite[10]
Reliance SBI Card PRIME
Annual Fee
₹2999
APR
3.5%
Joining Fee
₹2999
Cash Advance
2.5%
Why Choose This Card
Enhanced rewards for high spenders at Reliance brands with travel perks
Reward Benefits
10 RP/₹100 at Reliance Retail (2 RP/₹100 via UPI)
5 RP/₹100 on dining, movies, travel
2 RP/₹100 on other spends
Pros
- 10X Reward Points (2.5% value) on Reliance Retail
- 8 domestic + 4 international lounge visits/year
- Milestone vouchers up to ₹5,500 on ₹3 lakh spends
- Free movie ticket (₹250/month)
Cons
- High annual fee (₹2,999 + GST)
- Reward caps on UPI transactions
- Foreign transaction fees (3.5% + GST)
Reliance SBI Card
Annual Fee
₹499
APR
3.5%
Joining Fee
₹499
Cash Advance
2.5%
Why Choose This Card
Tailored for Reliance Retail shoppers with accelerated rewards and low fees
Reward Benefits
5 RP/₹100 at Reliance Retail, dining, movies
1 RP/₹100 on other spends
Milestone vouchers up to ₹1,000 on ₹80k spends
Pros
- 5X Reward Points (1.25% value) on Reliance Retail, dining, and movies
- Low joining/annual fee (₹499 + GST)
- Annual fee waiver on ₹1 lakh spends
- UPI integration (RuPay variant)
Cons
- No lounge access
- Limited discounts outside Reliance brands
- Low base reward rate (1.25%)
Flipkart Axis Bank Credit Card
Annual Fee
₹500
APR
49.36%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent shoppers on Flipkart and partner platforms, offering substantial cashback and additional perks.
Reward Benefits
5% cashback on Flipkart and Myntra purchases.
4% cashback on preferred partners.
1.5% cashback on all other transactions.
Pros
- Unlimited 5% cashback on Flipkart and Myntra purchases.
- 4% cashback on preferred partners like Swiggy, Uber, PVR, and Curefit.
- 1.5% cashback on all other spends.
- Complimentary access to domestic airport lounges four times a year.
- Fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000.
Cons
- No cashback on fuel transactions, EMI conversions, wallet reloads, and certain other categories.
- Annual fee of ₹500 plus taxes.
Flipkart Axis Bank Super Elite Credit Card
Annual Fee
₹500
APR
55.5%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent Flipkart shoppers aiming to maximize rewards through SuperCoins and enjoy additional partner benefits.
Reward Benefits
Flipkart Plus members earn 12 SuperCoins per ₹100 spent on Flipkart; non-Plus members earn 6 SuperCoins per ₹100.
2 SuperCoins per ₹100 spent on all other transactions.
Pros
- Up to 12 SuperCoins per ₹100 spent on Flipkart for Plus members.
- 2 SuperCoins per ₹100 spent on all other transactions.
- Additional discounts on Myntra purchases and domestic flight bookings via Flipkart Flights.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Cons
- No complimentary airport lounge access.
- Annual fee of ₹500, waived only on annual spends exceeding ₹2,00,000.
- SuperCoins not awarded for certain transactions, including fuel, EMI conversions, wallet reloads, and jewelry purchases.