Leaderboards / Spend Categories

Best for Shopping

Retail and e-commerce rewards with purchase protection for shoppers.

282 cards ranked | Updated January 2026

Key Ranking Factors

40% Shopping Rate

Retail rewards

25% Protection

Purchase coverage

20% EMI

Easy payment options

15% Partners

Retailer bonuses

🥇

Flipkart Axis Bank Credit Card

Axis Bank
Co-Branded Shopping ₹500/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 594

Top 1%
🥈

HDFC Regalia Gold

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 217

Top 1%
🥉

HDFC Diners Club Black Credit Card

HDFC Bank
Lounge Access Premium ₹10,000/yr
3.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 72

Top 2%
#4
ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank
Lounge Access Premium ₹12,499/yr
3.7 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 38

Top 2%
#5

Swiggy HDFC Bank Credit Card

HDFC Bank
Co-Branded Dining ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

SBI Card Elite

SBI Cards
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

HDFC MoneyBack Plus

HDFC Bank
Entry Level ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

ICICI Bank Sapphiro Credit Card

ICICI Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 38

Top 2%
#5

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank
Co-Branded ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

Axis Bank Atlas Credit Card

Axis Bank
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 38

Top 2%
#5

HDFC Regalia First Credit Card

HDFC Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

Axis Bank Ace Credit Card

Axis Bank
Cashback Rewards ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 38

Top 2%
#5

Marriott Bonvoy HDFC Bank Credit Card

HDFC Bank
Co-Branded Travel ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

Cashback SBI Card

SBI Cards
Cashback ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

SimplyCLICK SBI Card

SBI Cards
Entry Level ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

IDFC FIRST Millennia Credit Card

IDFC First Bank
Youth ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 38

Top 2%
#5

HDFC All Miles Credit Card

HDFC Bank
Travel ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

ICICI Bank Rubyx Credit Card

ICICI Bank
Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 38

Top 2%
#5

American Express Platinum Card

American Express
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 38

Top 2%
#5

SBI Card Prime

SBI Cards
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

Axis Bank Select Credit Card

Axis Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 38

Top 2%
#5

IDFC FIRST Select Credit Card

IDFC First Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 38

Top 2%
#5

HDFC Business Regalia Credit Card

HDFC Bank
Business Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 38

Top 2%
#5

Axis Bank Privilege Credit Card

Axis Bank
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 38

Top 2%
#5

BPCL SBI Card OCTANE

SBI Cards
Co-Branded Fuel ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

IDFC FIRST WOW! Credit Card

IDFC First Bank
Youth ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 38

Top 2%
#5

PhonePe HDFC Bank Ultimo Credit Card

HDFC Bank
Co-Branded Fintech ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

ICICI Bank Coral Credit Card

ICICI Bank
Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 38

Top 2%
#5

American Express Gold Card

American Express
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 38

Top 2%
#5

Flipkart SBI Card

SBI Cards
Co-Branded Shopping ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

Axis Bank Vistara Infinite Credit Card

Axis Bank
Co-Branded Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 38

Top 2%
#5

IDFC FIRST Classic Credit Card

IDFC First Bank
Entry Level ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 38

Top 2%
#5

PhonePe HDFC Bank Uno Credit Card

HDFC Bank
Co-Branded Fintech ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

MakeMyTrip ICICI Bank Signature Credit Card

ICICI Bank
Co-Branded Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 38

Top 2%
#5

Standard Chartered Ultimate Credit Card

Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 38

Top 2%
#5

Flipkart Axis Bank Super Elite Credit Card

Axis Bank
Co-Branded Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 38

Top 2%
#5

SBI Card Pulse

SBI Cards
Lifestyle ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

American Express SmartEarn Credit Card

American Express
Youth ₹0/yr
3.8 Our Rating
APPLY NOW

on American Express's website

Score

Score: 38

Top 2%
#5

IRCTC HDFC Bank Credit Card

HDFC Bank
Co-Branded Travel ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

Emirates Skywards ICICI Bank Emeralde Credit Card

ICICI Bank
Co-Branded Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 38

Top 2%
#5

HSBC Premier Credit Card

Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 38

Top 2%
#5

IDFC FIRST Wealth Credit Card

IDFC First Bank
Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 38

Top 2%
#5

Axis Bank Airtel Credit Card

Axis Bank
Co-Branded ₹0/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 38

Top 2%
#5

IndusInd Legend Credit Card

IndusInd Bank
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on IndusInd Bank's website

Score

Score: 38

Top 2%
#5

IndianOil HDFC Bank Credit Card

HDFC Bank
Co-Branded Fuel ₹0/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 38

Top 2%
#5

ICICI Bank Emeralde Credit Card

ICICI Bank
Lounge Access Premium ₹0/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 38

Top 2%
#5

BOBCARD Eterna

BOB Financial (BOBCARD)
Lifestyle Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on BOB Financial (BOBCARD)'s website

Score

Score: 38

Top 2%
#5

Air India SBI Signature Card

SBI Cards
Co-Branded Lounge Access ₹0/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 38

Top 2%
#5

Standard Chartered Rewards Credit Card

Rewards ₹0/yr
3.8 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 38

Top 2%

About Shopping Rankings

Shopping cards excel at retail and e-commerce rewards plus valuable purchase protection. Whether you shop in-store or online, the right card maximizes returns on every purchase.

How We Rank Shopping Cards

  • Shopping rewards: Earning rate on retail purchases
  • Purchase protection: Coverage for damaged/stolen items
  • EMI conversion: Interest-free EMI options
  • Partner bonuses: Extra rewards at specific retailers

Shopping Rate

Higher is better

Protection

Coverage matters

What Makes a Great Shopping Card

  • High shopping rate: 3-5% on retail purchases
  • Purchase protection: Coverage for expensive items
  • Flexible EMI: Convert large purchases to easy payments
  • Retailer partnerships: Extra discounts at stores you use

Who Needs a Shopping Card

  • Frequent retail shoppers
  • E-commerce enthusiasts
  • Those making big-ticket purchases
  • Anyone wanting purchase protection

Maximizing Shopping Rewards

  • Stack offers: Combine card rewards with store promotions
  • Use EMI wisely: Only for interest-free EMI; avoid high-interest EMI
  • Check protection terms: Understand what purchase protection covers

Shopping Card FAQ

What's purchase protection?

Purchase protection covers items bought with your card against damage or theft, typically for 90 days after purchase. It's valuable for electronics and expensive items.

Bottom Line

Shopping cards turn routine purchases into rewards. The combination of high earning rates and purchase protection makes them valuable for anyone who shops regularly.

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