About Us

All cards are shopping cards. i.e. we use them to buy things. So we've considered cards aimed at non-perishable retail purchases in this category.

Since most of these cards are co-branded, they give you discounts and extra rewards on spend at specific stores. This might be limiting in the long term, but handy if, in the short term, you are likely to be spending a lot on specific categories like home furnishings, consumer durables, even wardrobe refreshes

Who should get a Shopping Credit Card?

You have some major expenses coming up, like setting up a house with furnishing, consumer durables, the works. Or you are due for a wardrobe refresh. You have been and will continue to be loyal to a specific chain and there's a store in shouting distance of where you live.

Who should not get a Shopping Credit Card?

You do most of your shopping online or wherever the best deals are available. You recently furnished your home, or splurged on a Billion Day sale, and don't foresee spending much on regular retail in the next 12 months.

What to look (out) for in a Shopping Credit Card?

The store brand associated with the card, how do their prices compare to others of similar quality? It doesn't make sense to buy 5k jeans from that store when you typically buy 2k jeans which seem just as good to you.

Restrictions on discounts available and points rewarded. Do they consider festival sales as blackout dates, or are the rewards applicable over and above any on-going sales

Overall, given the availability of sales across brands, it makes little sense to commit to one chain of stores.

We analysed 12 Shopping cards, and identified three that are worthy of consideration.

Our research is completely independent. We make no commisions if you click through and sign up for any of these products.

The Best Shopping Credit Card

Central SBI Select
Read full review
central-sbi-select
  • Joining Fee
  • ₹750
  • Annual Fee
  • ₹750
  • Joining Bonus
  • Welcome benefits worth ₹1,500
View Card
What we like
  • Extra points on spends at Central departmental stores, dining, and entertainment
  • Points can be instantly redeemed at Central stores, no restrictions
What we don't
  • Reward points are only useful at Central stores, therefore limited, but by design
In a tweet

The Central SBI Select is specifically designed for those likely to spend prolifically on apparel, dining out and entertainment. If you're expecting to do a lot of shopping at Central, the SBI Central Select+ card also works, except with a higher fee.

Also Good Shopping Credit Card

Standard Chartered Landmark Rewards Platinum
Read full review
standard-chartered-landmark-rewards-platinum
  • Joining Fee
  • ₹ 250
  • Annual Fee
  • ₹ 250
  • Joining Bonus
  • Vouchers worth ₹ 2,800
View Card

Also Good Shopping Credit Card

First Citizen Citi Credit Card
Read full review
first-citizen-citi-credit-card
  • Joining Fee
  • ₹ 500
  • Annual Fee
  • ₹ 500
  • Joining Bonus
  • Welcome benefits worth ₹ 2,050
View Card

Other Shopping rewards credit cards we considered:

  • American Express PAYBACK
  • Central SBI Select+ Card
  • SBI Tata Titanium Card
  • Citi Rewards
  • fbb SBI STYLEUP Card
  • Kotak Urbane Gold
  • Snapdeal HDFC Bank Card
  • Flipkart Axis Bank Card
  • SBI Tata Platinum Card