Best for Shopping
Retail and e-commerce rewards with purchase protection for shoppers.
307 cards ranked | Updated December 2025
Key Ranking Factors
Retail rewards
Purchase coverage
Easy payment options
Retailer bonuses
Score: 22575
Federal Bank Scapia
Score: 788
Score: 770
Score: 726
Score: 638
Score: 627
Score: 594
Score: 594
Score: 525
Score: 396
Score: 396
Score: 363
Score: 363
Score: 363
Score: 357
Score: 352
HDFC Millennia
Score: 324
Score: 324
Score: 324
HDFC Regalia Gold
Score: 322
HDFC Diners Club Black Metal Edition
Score: 320
Score: 320
Score: 300
Score: 286
Score: 231
Score: 231
Score: 231
Score: 231
Score: 225
Score: 220
HDFC Infinia Metal Edition
Score: 210
Score: 209
AU Ixigo Credit Card
Score: 194
HDFC Diners Club Privilege Plus
Score: 182
Axis Bank Vistara Infinite
Score: 176
Score: 165
HDFC Diners Club Privilege
Score: 161
AU SPONT Credit Card
Score: 154
Fi AmpliFi Credit Card
Score: 147
Score: 147
Score: 147
Score: 146
Canara Bank Mastercard World Credit Card
Score: 138
Canara Bank Platinum Credit Card
Score: 138
Score: 135
Score: 132
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 betterProtection
Coverage mattersWhat 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.