Leaderboards / Spend Categories

Best for Shopping

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

275 cards ranked | Updated February 2026

Key Ranking Factors

40% Shopping Rate

Retail rewards

25% Protection

Purchase coverage

20% EMI

Easy payment options

15% Partners

Retailer bonuses

🥇
Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

SBI Cards
Co-Branded Entry Level ₹499/yr
3.4 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 693

Top 1%
🥈
Flipkart SBI Card

Flipkart SBI Card

SBI Cards
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 627

Top 1%
🥈
HDFC Pixel Play

HDFC Pixel Play

HDFC Bank
Cashback Dining ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 627

Top 1%
#4
Flipkart Axis Bank

Flipkart Axis Bank

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

on Axis Bank's website

Score

Score: 594

Top 2%
#5
Swiggy HDFC Bank

Swiggy HDFC Bank

HDFC Bank
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 495

Top 2%
#6
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

ICICI Bank
Cashback Co-Branded ₹0/yr
4.2 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 450

Top 3%
#6
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

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

on Standard Chartered Bank's website

Score

Score: 450

Top 3%
#8
HDFC Millennia

HDFC Millennia

HDFC Bank
Cashback Entry Level ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 432

Top 3%
#9
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 396

Top 4%
#10
HDFC Bharat

HDFC Bharat

HDFC Bank
Cashback Entry Level ₹500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 363

Top 4%
#11
HDFC Diners Club Privilege

HDFC Diners Club Privilege

HDFC Bank
Dining Lifestyle ₹1,000/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 342

Top 4%
#12
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

HDFC Bank
Dining Lifestyle ₹10,000/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 338

Top 5%
#13
HDFC MoneyBack Plus

HDFC MoneyBack Plus

HDFC Bank
Entry Level Rewards ₹500/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 308

Top 5%
#14
HDFC Biz Grow

HDFC Biz Grow

HDFC Bank
Business Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 286

Top 6%
#15
HDFC Biz Black Metal Edition

HDFC Biz Black Metal Edition

HDFC Bank
Business Lounge Access ₹10,000/yr
4.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 284

Top 6%
#16
SimplyCLICK SBI Card

SimplyCLICK SBI Card

SBI Cards
Entry Level Rewards ₹499/yr
3.6 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 264

Top 6%
#16
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

HDFC Bank
Business Cashback ₹500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 264

Top 6%
#18
Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

SBI Cards
Co-Branded Lounge Access ₹1,499/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 252

Top 7%
#19
HDFC Regalia Gold

HDFC Regalia Gold

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

on HDFC Bank's website

Score

Score: 217

Top 7%
#20

PhonePe HDFC Bank Ultimo

HDFC Bank
Co-Branded Entry Level ₹999/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 216

Top 8%
#20
HDFC Diners Club Rewardz

HDFC Diners Club Rewardz

HDFC Bank
Entry Level Rewards ₹1,000/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 216

Top 8%
#22
PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE

SBI Cards
Co-Branded Entry Level ₹499/yr
3.6 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 198

Top 8%
#23
Standard Chartered Smart

Standard Chartered Smart

Cashback Entry Level ₹499/yr
3.6 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 165

Top 9%
#23
Apollo SBI Card

Apollo SBI Card

SBI Cards
Co-Branded Rewards ₹499/yr
3.5 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 165

Top 9%
#25
HDFC InterMiles Signature

HDFC InterMiles Signature

HDFC Bank
Co-Branded Lounge Access ₹2,500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 155

Top 10%
#26
HDFC Regalia

HDFC Regalia

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

on HDFC Bank's website

Score

Score: 154

Top 10%
#26
HDFC Biz Power

HDFC Biz Power

HDFC Bank
Business Fuel ₹2,500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 154

Top 10%
#28
SimplySAVE SBI Card

SimplySAVE SBI Card

SBI Cards
Dining Entry Level ₹499/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 143

Top 11%
#29
Axis Bank Ace

Axis Bank Ace

Axis Bank
Cashback Entry Level ₹499/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 132

Top 11%
#29
IndianOil HDFC Bank

IndianOil HDFC Bank

HDFC Bank
Co-Branded Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 132

Top 11%
#31

HDFC World MasterCard

HDFC Bank
Lounge Access Rewards ₹500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 128

Top 12%
#32
Standard Chartered Ultimate

Standard Chartered Ultimate

Lounge Access Premium ₹5,000/yr
3.7 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 127

Top 12%
#33
BPCL SBI Card OCTANE

BPCL SBI Card OCTANE

SBI Cards
Co-Branded Fuel ₹1,499/yr
2.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 126

Top 12%
#33
SBI Card Pulse

SBI Card Pulse

SBI Cards
Lifestyle Lounge Access ₹1,499/yr
3.2 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 126

Top 12%
#35
Shoppers Stop HDFC Bank

Shoppers Stop HDFC Bank

HDFC Bank
Co-Branded Entry Level ₹299/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 119

Top 13%
#35
HDFC Teachers Platinum

HDFC Teachers Platinum

HDFC Bank
Entry Level Professional ₹500/yr
3.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 119

Top 13%
#37
SBI Card Elite

SBI Card Elite

SBI Cards
Dining Lifestyle ₹4,999/yr
3.1 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 116

Top 14%
#37
BPCL SBI Card

BPCL SBI Card

SBI Cards
Co-Branded Entry Level ₹499/yr
3.5 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 116

Top 14%
#39
HSBC Live+

HSBC Live+

Cashback Dining ₹999/yr
3.6 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 108

Top 15%
#40
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 99

Top 15%
#40
SBI Card Prime

SBI Card Prime

SBI Cards
Dining Lounge Access ₹2,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 99

Top 15%
#40
Axis Bank Airtel

Axis Bank Airtel

Axis Bank
Cashback Co-Branded ₹500/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 99

Top 15%
#40
HDFC Bank UPI RuPay

HDFC Bank UPI RuPay

HDFC Bank
Cashback Entry Level ₹99/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 99

Top 15%
#40
HDFC Pixel Go

HDFC Pixel Go

HDFC Bank
Cashback Entry Level ₹250/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 99

Top 15%
#40

Paytm HDFC Bank Business

HDFC Bank
Business Cashback ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 99

Top 15%
#40
HSBC RuPay Cashback

HSBC RuPay Cashback

Cashback Dining ₹499/yr
2.8 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 99

Top 15%
#40

SBI Card Elite Advantage

SBI Cards
Dining Lifestyle ₹4,999/yr
2.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 99

Top 15%
#40

SBI Card Prime Advantage

SBI Cards
Lounge Access Premium ₹2,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 99

Top 15%
#49
HSBC RuPay Platinum

HSBC RuPay Platinum

Entry Level Lifetime Free ₹0/yr
3.2 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 88

Top 18%
#50
Standard Chartered Beyond

Standard Chartered Beyond

Dining Lifestyle ₹25,000/yr
3.2 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 86

Top 19%

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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