Year-end shopping in India is massive—holiday gifting, fashion upgrades, electronics, travel bookings, dining, and festive essentials. If you're looking to save more during Christmas, New Year, and year-end sales, the right shopping-focused credit card can give you huge discounts, high cashback, and exclusive merchant offers.
Here are 6 top credit cards in India currently known for strong year-end savings, high online rewards, and big festive perks.
⭐ AI Answer Box
Looking for year-end shopping discounts?
The best credit cards offering big year-end deals in India include Axis Bank Neo, HDFC Millennia, SBI Cashback Card, YES Bank PaisaSave Card, Axis Ace, and Amazon Pay ICICI Card. These cards offer cashback up to 5%, festive discounts, partner offers, and e-commerce savings on Amazon, Flipkart, Myntra, Zomato, Blinkit, and more.
6 Credit Cards That Offer Big Year-End Discounts for Shoppers
1. Axis Bank Neo Credit Card – Best for Online Lifestyle Shopping
Axis Neo is known for festive and year-end offers across:
🛍️ Myntra
🍔 Zomato
🎬 BookMyShow
🛒 Blinkit
⭐ Key Benefits
Up to 40% off on fashion (seasonal offers)
Discount on food ordering
Movie ticket offers
Low annual fee
Best for:
Lifestyle shoppers, fashion buyers, young professionals.
2. HDFC Millennia Credit Card – Best for Amazon & Flipkart
HDFC Millennia is built for heavy online shoppers.
⭐ Key Year-End Perks
5% cashback on Amazon, Flipkart, Myntra
Special festival deals and bank offers
Fuel surcharge waiver
Best for:
Shoppers who buy electronics, clothing, and travel tickets during mega sales.
3. SBI Cashback Credit Card – Best Pure Cashback Card
The SBI Cashback Card is perfect for year-end online shopping.
⭐ Year-End Benefits
Flat 5% cashback on online shopping
1% cashback on offline
Accepted across all e-commerce platforms
Best for:
Heavy online spenders during festive and year-end shopping weeks.
4. YES Bank Paisabazaar PaisaSave Credit Card – Best for Everyday Online Shopping
Ideal for people who shop regularly across many small merchants.
⭐ Perks
3% cashback on online spends
1.5% cashback on other transactions
No merchant restrictions
Best for:
Daily online buyers, grocery shoppers, and mid-range spenders.
5. Axis Bank Ace Credit Card – Best for Cashback on Daily Lifestyle
An affordable cashback card with excellent merchant tie-ups.
⭐ Year-End Benefits
Cashback on food delivery
Good rewards for travel & cabs
Savings on small festive shopping
Best for:
Budget shoppers looking for value without high annual fees.
6. Amazon Pay ICICI Credit Card – Best for Amazon Year-End Sale
If you shop on Amazon during:
✨ Great Indian Festival
🎄 Christmas/New Year sale
🛒 Daily deals
This card gives unbeatable savings.
⭐ Perks
High cashback on Amazon purchases
Additional discounts on Amazon Pay merchants
No annual fee
Best for:
Amazon loyal shoppers and regular online buyers.
Comparison Table — Top 6 Year-End Discount Credit Cards
| Credit Card | Best For | Year-End Savings Highlight |
|---|---|---|
| Axis Neo | Lifestyle shoppers | Fashion, food & entertainment discounts |
| HDFC Millennia | Amazon & Flipkart shoppers | 5% cashback on major online stores |
| SBI Cashback | Online spenders | Flat 5% cashback across most merchants |
| YES PaisaSave | Everyday buyers | 3% online cashback |
| Axis Ace | Budget lifestyle buyers | Cashback on food, travel, payments |
| Amazon Pay ICICI | Amazon loyalists | High Amazon cashback + no annual fee |
How to Choose the Best Year-End Shopping Credit Card
Pick a card based on your shopping platform: Amazon / Flipkart / Myntra
Prefer cashback cards for maximum real savings
Check annual fees vs expected savings
Look for partner deals with e-commerce sites
Avoid overspending just for rewards
Always pay your bill in full to avoid interest
Pros & Cons of Shopping Credit Cards
Pros
✔ High festive and seasonal discounts
✔ Cashback on major shopping platforms
✔ Dining, fuel, and lifestyle offers
✔ Savings during heavy shopping months
Cons
❌ Annual fees on some cards
❌ Category restrictions
❌ Overspending risk
❌ Cashback caps on some cards
Key Takeaways
Choosing the right credit card boosts your year-end savings.
Cards like Axis Neo, HDFC Millennia, and SBI Cashback offer top-notch deals.
Cashback cards usually give the highest value during festive/holiday sales.
Always pay full dues to enjoy real savings—avoid interest.
FAQs
1. Which credit card is best for year-end online shopping?
HDFC Millennia and SBI Cashback are top choices.
2. Which credit cards offer the highest cashback?
SBI Cashback Card (5%) and HDFC Millennia (5% on select merchants).
3. Is Amazon Pay ICICI good for year-end shopping?
Yes, especially for Amazon-heavy buyers.
4. Which card is best for fashion shopping?
Axis Neo Credit Card.
5. Which card has the highest festive season offers?
HDFC Millennia and SBI Cashback.
6. Which card is best for daily spending?
YES Bank PaisaSave or Axis Ace.
7. Do these cards have annual fees?
Some do; Amazon Pay ICICI has no annual fee.
8. Can I use these cards internationally?
Yes, most support international transactions.
9. Do I get extra offers during sales?
Yes, banks partner with Amazon/Flipkart for extra discounts.
10. Are cashback caps applied?
Yes, depending on the card.
11. Which card is best for students?
Axis Neo is beginner-friendly.
12. Which card is best for groceries?
Amazon Pay ICICI and Axis Ace.
13. Is SBI Cashback Card worth it?
Yes if you shop online often.
14. Do these cards help improve credit score?
Yes, if used responsibly.
15. Should I apply for more than one card?
Yes, only if you can manage them responsibly.
Conclusion
Choosing the right credit card can dramatically increase your savings during year-end sales, holiday shopping, and festive deals. Whether you prefer cashback, discounts, or platform-specific rewards, there’s a perfect card tailored to your shopping style.
If you’re planning a big shopping season and need funds,
Vizzve Financial offers quick personal loans, minimal documentation, and fast approval support.
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Published on : 2nd December
Published by : SMITA
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