The festive season in India is all about celebrations, shopping, and of course—big discounts. From online marketplaces to retail stores, the offers are endless. But if you really want to maximise your savings, having the right credit card is the game-changer. The right card can unlock extra cashbacks, reward points, no-cost EMIs, and exclusive partner deals.
Here are the five best credit cards every smart shopper should consider this festive season.
1. HDFC Bank Millennia Credit Card
Why it’s great: Perfect for online shoppers.
Festive benefits:
5% cashback on Amazon, Flipkart, Myntra, and other platforms.
Extra reward points during festive tie-ups.
No-cost EMI options on gadgets & electronics.
2. SBI SimplyCLICK Credit Card
Why it’s great: For those who shop online frequently.
Festive benefits:
10x reward points on partner sites like Amazon & BookMyShow.
Seasonal offers during Diwali & New Year sales.
Annual fee easily waived off if you spend enough during sales.
3. ICICI Amazon Pay Credit Card
Why it’s great: If you’re a Prime member.
Festive benefits:
5% cashback on all Amazon purchases for Prime users.
3% on non-Prime Amazon customers.
Cashback auto-credited as Amazon Pay balance—perfect for festive shopping.
4. Axis Bank Flipkart Credit Card
Why it’s great: Best for Flipkart shoppers.
Festive benefits:
5% cashback on all Flipkart & Myntra purchases.
Welcome bonus with Flipkart vouchers.
Extra discounts during Big Billion Days Sale.
5. Standard Chartered DigiSmart Credit Card
Why it’s great: Everyday discounts plus festive deals.
Festive benefits:
20% off on Myntra.
10% off on Grofers, Zomato, and Yatra bookings.
During festive months, extra discounts on lifestyle and travel.
Tips to Maximise Festive Savings with Credit Cards
Use the right card for the right platform (Amazon card for Amazon, Flipkart card for Flipkart).
Combine card offers with bank festive sale offers for double benefits.
Opt for no-cost EMIs on high-value items like electronics and furniture.
Track your spending to avoid overshooting budgets while chasing discounts.
Conclusion
This festive season, don’t just shop—shop smart. By choosing the right credit card, you can unlock hidden savings, enjoy cashback rewards, and make the most of every festive discount. Whether you’re buying gadgets, fashion, or home essentials, these five credit cards ensure your wallet stays as happy as your festive spirit.
FAQs
Q1. Which credit card is best for Amazon festive sales?
The ICICI Amazon Pay Credit Card is the best for Prime users, offering 5% cashback.
Q2. Which card gives the highest discount on Flipkart?
The Axis Bank Flipkart Credit Card provides 5% cashback and exclusive festive discounts.
Q3. Can I use multiple credit cards during festive sales?
Yes, using different cards on different platforms maximises rewards and cashback.
Q4. Are festive discounts better with credit cards than debit cards?
Yes, most major retailers tie up with credit card issuers for exclusive deals and higher cashback.
Q5. How to avoid overspending with credit cards during festivals?
Set a budget, track expenses, and choose no-cost EMIs only for essential purchases.
Published on : 31st August
Published by : SMITA
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