The festival season has started with Durga Puja and Diwali around the corner. It is marked by family visits, public gatherings, eating together, dressing up, performing arts, revelry, gift-giving, and a lot more. Before and during the festival season, people shop to their heart's content. Top brands offer incredible discounts on apparel and other goods and services. Some brands may offer additional discounts on buys done with specific credit cards. Credit cards play an important role in shopping. They maximize your savings through rewards, discounts, cashback, and EMI options. We, at CreditMantri have come up with a list of the best shopping credit cards in India for your festival shopping. So, let us now read about them, arm ourselves with credit cards, and get set for extensive shopping.

Top Credit Cards for Festival Shopping 2023

Here is a list of the best shopping credit cards for this festival season. 

Credit Card 

Joining                                              Fee/Renewal Fee (Per annum)

Annual Fee (One-time)

SBI SimplyClick Credit Card 

A renewal fee of Rs. 499

Rs. 499

HDFC Millennia Credit Card

Rs. 1000

Rs. 1000

SBI SimplySave Credit Card 

Rs. 499

Rs. 499

Flipkart Axis Bank Credit Card

Rs. 500

Rs. 500 

RBL Bank Icon Credit Card 

Rs. 5,000

Rs. 5,000

IndusInd Bank Legend Credit Card 

Rs. 9,999



1. SBI SimplyClick Credit Card

The card is a valuable asset during the festival season. Its numerous benefits are listed as follows: 

  • It comes with a welcome gift voucher worth Rs. 500 from Amazon. 

  • It offers huge reward points - 10X on purchases with exclusive partners Myntra, Amazon, Zoomcar, and UrbanClap

  • 5X reward points on all other online spends, and 1X reward points per Rs. 100 for offline spends. 

  • Additionally, it offers awesome milestone benefits via e-vouchers worth Rs. 2000 from leading brands, thus, offering more than the fee charged. 

  • The annual fee of Rs. 499 can be reversed on reaching spends of Rs. 1 lakh annually. 

These numerous benefits make it a great card to use for this Durga Pooja and Diwali. 

Read about the benefits of this card and apply for it here on CreditMantri. 

2. HDFC Millennia Credit Card

This card can elevate your shopping experience for Durga Puja and Diwali. The card offers the following attractive benefits:

  • Attractive cashback of 5% on shopping with popular brands like Amazon, Flipkart, Myntra, Swiggy, and Tata CLiQ online 

  • 1% cashback on all other offline spends 

  • You get bonus cash points of 1000 on paying the joining fee. 

  • Annual fee waiver on spending Rs. 1 lakh in a year 

Read about this card here on CreditMantri 

3. SBI SimplySave Credit Card

This card is best suited for saving while you are spending and is ideal for everyday purchases. You can earn great benefits on supermarkets, department store purchases, dining, and movies with this card. Its benefits include: 

  • Earn 2,000 bonus reward points on spends of Rs. 2,000 or above within the first 60 days of card issuance.

  • 10 reward points on every Rs. 150 spent in supermarkets, departmental stores, and groceries.

  • 1 reward point per Rs. 150 spent on other categories

  • Annual membership fee reversal from the second year on spends of Rs. 1 lakh in the previous year.

So, make the most out of your festival season shopping with this credit card. Read more about this card and apply for it here on CreditMantri

4. Flipkart Axis Bank Credit Card

This credit card is a co-branded credit card with Flipkart that offers cashback on all purchases made on Flipkart and Myntra. It is a perfect choice for shopping for Durga Puja and Diwali 2023. Benefits include 

  • Welcome benefit: Flipkart voucher worth Rs. 500. 
  • Cashback rate of up to 5% on Flipkart and Myntra purchases. 
  • 4% cashback on partner merchants such as Uber
  • 1.5% cashback on all other purchases
  • It also gives no-cost EMI options

Read about this card here at CreditMantri

5. RBL Bank Icon Credit Card

This credit card offers a reward rate of 2% on all spends and a welcome offer of 20,000 reward points. The card also offers 10X reward points on international spends. These perks make it an ideal choice for Durga Puja and Diwali Shopping. 

6. IndusInd Bank Legend Credit Card 

The IndusInd Bank Legend Credit Card is the perfect shopping companion for the festival season. With carefully chosen luxury brands, and a best-in-class rewards program, this credit card will make the festival season unforgettable for you. 

Benefits include: 

  • 4000 bonus reward points on high-value expenditures of INR 6 lakhs or more (Within one year from the date of issuance of the credit card)

  • Weekday Spends: Earn 1 reward point on INR 100 spent 

  • Weekend Spends: Earn 2 reward points on INR 100 spent

  • The reward points can be redeemed in multiple ways via  IndusMoments, on Club Vistara (For members of Club Vistara), and in the form of cash credit

Apply for this credit card here at CreditMantri


Homes and cities in India come alive during festivals and there is no other perfect time to shop for yourself and your loved ones. New clothes, home decor, jewelry, sweets, gadgets - This is the most suitable time to avail of appealing deals from merchants. The credit cards specified above can make your shopping experience great. Use them at luxurious malls, bazaars, and online stores and also at shopping festivals like the Diwali Dhamaka or the Dussehra Shopping Utsav. 

While you should enjoy your shopping to the maximum, you should also set a budget for how much you can spend. Because attractive deals from retailers and discounts from credit cards can drive you to shop excessively. So, take careful financial decisions and make your shopping spree the best one for this Durga Puja and Diwali. 


1. How to use credit cards for festival shopping? 

For offline shopping, you can give the credit card at the billing counter in the shop. The person at the counter will swipe or put your card into a machine. Then, you will be asked to input your PIN. Enter your PIN, and the transaction will be authenticated. For online shopping, as soon as you complete your shopping and hit pay, you will be redirected to a payment gateway. Enter your card number, name, the expiry date of the card, and the CVV number (the three-digit number at the back of your card). Sometimes, you may have to provide the billing address too. Submit the information. The payment will be deducted.

2. What are reward points and how to use them for the festival season?  

Reward points are those that get collected with each transaction that the customer performs. Once the customer has accumulated a certain number of reward points, they can redeem them for various benefits, such as vouchers, cash back on future purchases and a lot more. You can use these redeemed reward points for your festival shopping and save on your spends.