February 4, 2023

Whereas buying throughout the festive sale, spend neatly and responsibly. These playing cards have been organized in line with the least annual charges

September 23, 2022 / 07:15 AM IST

The festive gross sales from e-commerce web sites and offline retail shops are again, beginning with Navratri on September 26, adopted by Dussehra and Diwali subsequent month. Amazon India’s Nice Indian Competition and Flipkart’s the Massive Billion Days begin on September 23 and can final until September 30. This festive season, Reliance Digital has introduced Competition of Electronics beginning on September 22. A lot of the presents are particular to card suppliers comparable to ICICI Financial institution, Axis Financial institution, HDFC Financial institution, Citibank, SBI Card and different banks. Nonetheless, there are some bank cards which can be designed specifically to make your buying extra rewarding. Utilizing the appropriate bank card will help you save a big quantity each time you spend. Here’s a curated record from Paisabazaar of one of the best buying bank cards that present value-back within the type of accelerated reward factors, cashback or direct low cost with choose manufacturers.

Axis Bank Flipkart credit card

Picture Supply: Axis Financial institution | Flipkart Axis Financial institution Credit score Card presents a 5 p.c cashback whereas buying on Flipkart and Myntra, 4 p.c on different most popular retailers together with Cleartrip, PVR, Uber, and so forth. and 1.5 p.c on all different classes. It additionally presents welcome advantages price Rs 1,100 upon card activation. The annual price is Rs 500 for this card.

HDFC Bank Moneyback+ card

Picture Supply: HDFC Financial institution | HDFC Moneyback+ Credit score Card presents 10X CashPoints on Flipkart, Amazon, BigBasket, Reliance Good Tremendous Retailer and Swiggy, 5X CashPoints on EMI spends at service provider places and two CashPoints per Rs 150 spent throughout different classes. You should utilize CashPoints to avail assertion credit score or advantages throughout journey or rewards catalogue objects. The person will get Rs 500 reward voucher on spending Rs 50,000 in 1 / 4. The annual price is Rs 500 for this card.

Standard Chartered DigiSmart

Picture Supply: Normal Chartered Financial institution | Normal Chartered DigiSmart Credit score Card presents 20 p.c low cost on Myntra, 10 p.c low cost on Blinkit and Zomato with no minimal spends situation. The person additionally will get a 20 p.c low cost whereas reserving home flight tickets on Yatra. The annual price is Rs 588 on this bank card.

HSBC Cashback retail card

Picture Supply: HSBC Financial institution | HSBC Cashback Credit score Card presents a 1.5 p.c cashback on all on-line spending and 1 p.c cashback on different spends. The financial institution points vouchers of Amazon price Rs 500, of Myntra price Rs 1,500 and of Ajio price Rs 3,000 as welcome advantages. The customers additionally get a flat 10 p.c low cost on Blinkit as much as Rs 100 and flat 10 p.c financial savings as much as Rs 150 on ordering prescribed medicines through Pharmeasy. This bank card has an annual price of Rs 750.

SBI Cash back card

Picture Supply: SBI Card | Cashback SBI Card presents a 5 p.c cashback on all on-line spends with none service provider restriction and 1 p.c cashback on all different spends. The renewal charges will likely be waived off on spending Rs 2 lakh within the previous yr. The annual price is Rs 999 on this bank card.

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Guarantee that you’ve got a disciplined strategy to your credit score behaviour. Since bank cards provide a big interest-free interval, there could also be an inclination to overspend whereas buying round festive presents. In case you spend greater than what you’ll be able to repay and can’t pay your bank card invoice on time, you’ll incur hefty curiosity prices, starting from 28-49 p.c every year, together with late cost charges.


To shortlist the highest 5 buying bank cards, Paisabazaar recognized all of the banks providing buying and cashback schemes on bank cards. It in contrast the playing cards and checked the worth proposition they maintain for purchasers, relying on the reductions, rewards and cashback presents throughout classes. Then, playing cards providing one of the best presents have been chosen. All bank card data is sourced and up to date as of September 12, 2022. These bank cards have been organized in line with the least annual charges.

Hiral Thanawala is a private finance journalist with 9 years of reporting expertise. Primarily based in Mumbai, he covers monetary planning, banking and fintech segments from private finance crew for Moneycontrol.

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