SahiChuno Cards

Shopping Credit Cards

Cards tuned for online and offline shopping, accelerated earning on Amazon, Flipkart, Myntra and everyday retail spends.

Amazon Pay ICICI Bank Credit Card

ICICI Bank

4.7

Joining fee: Nil (lifetime free)
Annual fee: Nil (lifetime free)

Genuinely lifetime free, with no joining fee, no annual fee and no spend condition to keep it active
5% back on Amazon.in for Prime members (3% for non-Prime), completely uncapped
2% back at 100+ Amazon Pay partner merchants and a flat 1% on all other spends

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HDFC Bank Swiggy Credit Card

HDFC Bank

4.6

Joining fee: ₹500 + 18% GST
Annual fee: ₹500 + 18% GST

High 10% cashback on all Swiggy spends including Food delivery, Instamart, and Dineout
5% cashback across a broad range of popular online platforms (Amazon, Flipkart, Nykaa, Uber, Ola, etc.)
Cashback is directly credited as statement credit, reducing your monthly bill

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Cashback SBI Card

SBI Card

4.4

Joining fee: ₹999 + GST
Annual fee: ₹999 + GST

Flat 5% cashback on almost all online spends, with no partner-merchant restrictions
Cashback is auto-credited to your statement, so there is nothing to redeem
1% cashback on offline spends keeps the card useful in physical stores too

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Flipkart Axis Bank Credit Card

Axis Bank

4.4

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST

5% cashback on Flipkart, up to ₹4,000 per statement quarter
7.5% cashback on Myntra, up to ₹4,000 per statement quarter
4% unlimited cashback on Swiggy, Uber, PVR and cult.fit

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HDFC Bank Millennia Credit Card

HDFC Bank

4.4

Joining fee: ₹1,000 + GST
Annual fee: ₹1,000 + GST

5% CashPoints on ten popular brands like Amazon, Flipkart, Myntra, Swiggy, Zomato and Uber covers most urban online spending
Low ₹1,000 + GST fee that is fully waived on ₹1 lakh of spends in the previous year
CashPoints redeem against the statement at roughly ₹1 per point, so there is no complicated points math

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Kotak Mahindra Bank

Kotak Zen Signature Credit CardVisa

Kotak Zen Signature Credit Card

Kotak Mahindra Bank

4.1

Joining fee: ₹1,500 + GST
Annual fee: ₹1,500 + GST

10 Zen Points per ₹150 on apparel, lifestyle and jewellery works out to roughly 1.7% back on fashion spends
Generous lounge programme for the price: 8 domestic and 3 international complimentary visits a year
Annual fee of ₹1,500 + GST is fully waived once you spend ₹1.5 lakh in a year

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Edge+ CSB Bank RuPay Credit CardRuPay

Edge+ CSB Bank RuPay Credit Card

CSB Bank

4.0

Joining fee: ₹999 + GST, waived in the ongoing promotional period (effectively ₹0 as of July 2026)
Annual fee: Nil (lifetime free)

Genuinely lifetime free: no annual or renewal fee, and the ₹999 joining fee is waived in the current promo
10% back as Jewels on online shopping at Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma and other partner brands
Runs on RuPay, so you can link it to UPI apps and still earn 1% on scan-and-pay

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Equitas Small Finance Bank

Equitas Selfe Credit CardVisa

Equitas Selfe Credit Card

Equitas Small Finance Bank

4.0

Joining fee: ₹1,000 + GST (first year free under a limited-period offer)
Annual fee: ₹1,000 + GST

Accelerated 5X rewards on any 2 categories you pick yourself, so the card fits your actual spending
Two complimentary OTT memberships every year from a choice of five platforms
One domestic airport lounge visit per quarter with no minimum spend attached

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HSBC Live+ Cashback

HSBC India

4.0

Joining fee: ₹999 + GST
Annual fee: ₹999 + GST

10% cashback on dining, food delivery and grocery spends
1.5% unlimited base cashback beats most cards' unaccelerated rates
Complimentary domestic lounge visits each year

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SBI SimplyCLICK Credit CardVisa

SBI SimplyCLICK Credit Card

SBI Card

4.0

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST

10X reward points on popular online partners such as Apollo 24|7, BookMyShow, Cleartrip, EazyDiner and Netmeds
5X points on all other online spends keeps non-partner internet shopping rewarding
Very low ₹499 + GST fee, waived on just ₹1 lakh of annual spend

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YES Bank POP-CLUB Credit CardRuPay

YES Bank POP-CLUB Credit Card

YES Bank

4.0

Joining fee: Nil (Lifetime Free till 31 March 2027)
Annual fee: ₹399 + GST from the 2nd year (currently under a Lifetime Free promo till 31 March 2027)

Lifetime free to hold till 31 March 2027, with no joining fee
Up to 10% back online as POPcoins (10 POPcoins per ₹100), among the higher online rates on a no-fee card
Extra 5 POPcoins per ₹100 on UPI payments made through the POP Club app, since it is a RuPay card

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Federal Bank Signet Credit CardVisa

Federal Bank Signet Credit Card

Federal Bank

3.9

Joining fee: Nil (lifetime free, limited-period offer)
Annual fee: Nil (lifetime free)

Genuinely lifetime free, with no joining or annual fee to worry about
Welcome benefit of a ₹500 Amazon Pay voucher on just ₹3,000 spent in 30 days
3X reward points on electronics and apparel reward regular online shoppers

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IDFC FIRST Bank

IDFC FIRST Millennia Credit CardVisa

IDFC FIRST Millennia Credit Card

IDFC FIRST Bank

3.9

Joining fee: Nil, lifetime free
Annual fee: Nil, lifetime free

Genuinely lifetime free with no joining or annual fee, ever
10X reward points on dining, travel, international spends and incremental spends above ₹20,000 a month
Joining benefits worth up to ₹1,500 through first-EMI cashback and a gift voucher

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AU Small Finance Bank

AU Vetta Credit CardVisa

AU Vetta Credit Card

AU Small Finance Bank

3.8

Joining fee: ₹2,999 + GST
Annual fee: ₹2,999 + GST

4 reward points per ₹100 on grocery and departmental store spends, which works well for family households
Welcome vouchers worth ₹2,000 that offset a large part of the joining fee
Quarterly and annual milestone rewards, plus a birthday bonus of 1,000 reward points, for regular spenders

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BOBCARD (Bank of Baroda)

BOBCARD Cashback Credit CardMastercard

BOBCARD Cashback Credit Card

BOBCARD (Bank of Baroda)

3.8

Joining fee: ₹499 + GST (or a ₹49 per month payment option)
Annual fee: ₹499 + GST

5% cashback on eligible domestic online spends, credited automatically
Flat 1% cashback on everything else, including offline and international spends, with no upper cap
Cashback lands straight on your statement, so there is nothing to redeem

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RBL Bank ShopRite Credit CardVisa

RBL Bank ShopRite Credit Card

RBL Bank

3.8

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST

Low ₹500 joining and annual fee, easily waived on ₹1.5 lakh annual spend
20 reward points per ₹100 on groceries works out to roughly 5% value back
2,000 welcome reward points for early card use and timely fee payment

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RBL Bank Platinum Maxima Plus Credit CardMastercard

RBL Bank Platinum Maxima Plus Credit Card

RBL Bank

3.7

Joining fee: ₹2,500 + GST
Annual fee: ₹2,500 + GST

10 reward points per ₹100 on dining, entertainment, grocery and international spends, about 2.5% back in those categories
Three milestone bonuses of 10,000 points each at ₹2 lakh, ₹3.5 lakh and ₹5 lakh of annual spends, worth up to ₹7,500 in a year
10,000-point welcome benefit that roughly cancels out the joining fee

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