11 Best Credit Cards for Offline Shopping in India

Did you know that Indian consumers spent over ₹60,000 crore offline using credit cards in October 2024? Despite this, many people still hesitate to use credit cards for their everyday expenses. But using the right credit card can unlock significant savings. Imagine earning 5% cashback on every grocery trip or dinner out. Here, I’ll be revealing the best credit cards for maximizing your offline spending in India.

1. HDFC Diners Club Black Credit Card

HDFC Diners Club is a premium credit card that offers 5 reward points for every ₹150 spent on offline retail purchases. You can redeem them for flight/hotel bookings on SmartBuy at ₹1 per point, convert them to air miles with participating airlines (up to 1 airmile per point), use them for vouchers/products (up to ₹0.5 per point), or get direct cashback (₹0.30 per point).

This means your maximum reward rate is 3.33% when you redeem your points for travel bookings on HDFC SmartBuy. This is an excellent rate for offline spending, among the highest in its category. As a bonus, you’ll earn 2x rewards on weekend dining, which brings the offline restaurant spending reward rate up to 6.67%.

The minimum reward rate is 1% when you directly redeem your reward points for cashback. However, you can earn a higher reward rate by redeeming your points for other options. Here’s a detailed reward rate chart for offline retail spending:

Redeem Category	Value of 1 RP	Net Reward Rate
Weekend dining spends	₹1 (but you get 2x RPs)	6.67%
SmartBuy (Flights/Hotels)	₹1	3.33%
Airmiles	Up to 1.0 airmiles	Depends on airline
Product Catalogue (vouchers/products)	₹0.50	1.67%
Cashback	₹0.30	1%

This credit card also offers other benefits like complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (three months) and MMT BLACK. Then, there’s unlimited Airport lounge access to 1000+ Lounges in India and abroad for primary and add-on card members and complimentary Golf games across the world (six per quarter).

Annual Fee: It comes with a joining and annual fee of ₹10,000 + GST.

Who should consider applying? Individuals who spend heavily on travel and dining, value premium benefits like airport lounge access, and can comfortably pay the high annual fee.

2. Standard Chartered Ultimate

The Standard Chartered Ultimate credit card offers 5 reward points for every ₹150 spent on both online and offline purchases (excluding certain categories). With each reward point equal to ₹1, this translates to a net reward rate of 3.33% for offline spends.

The card has a joining and annual fee of ₹5,000 plus GST. However, you receive 6,000 reward points (worth ₹6,000) upon paying the joining fee. Other benefits include:

• 6 domestic lounge visits
• 4 global lounge visits with Priority Pass
• 4 golf sessions
• 1.5% cashback on foreign currency mark-up
• 1% fuel surcharge waiver (up to spends of ₹15,000 per month)

Who should consider applying? Those who want a high reward rate on all spends (online and offline) and can utilize the travel benefits like lounge access and golf sessions.

3. Amazon Pay ICICI Credit Card

The Amazon Pay ICICI Credit Card is a user-friendly card with no annual or joining fee. It offers 1% unlimited cashback on all online and offline spends, except for certain categories like fuel, rent payments, education fees, and government-related transactions.  

Here’s the cashback breakdown:

• 5% on Amazon shopping for Prime members  
• 3% on Amazon shopping for non-Prime members  
• 2% on bill payments and recharges through Amazon Pay
• 1% on all other eligible transactions
• This card provides cashback for various purchases, including offline shopping, insurance payments, and jewellery.

You can easily get this credit card if you have an existing savings account with ICICI Bank or already hold other credit cards from them. It may even be pre-approved based on your Amazon account history.

Who should consider applying? Frequent Amazon shoppers and those looking for a simple, no-fee cashback card for everyday spending.

4. Axis Ace Credit Card

The Axis Ace credit card gives you 1.5% unlimited cashback on offline spends. Cashback is not eligible for fuel spends, EMI transactions, rent transactions, and wallet load transactions.

This credit card also comes with several other cashback offers, including:

• 5% cashback on bill payments, DTH, and mobile recharges on Google Pay.
• 4% cashback on Swiggy, Zomato, and Ola.
• There are individual monthly cashback limits for these categories.

You can avail yourself of 4 complimentary lounge access visits per year at domestic airports. However, this benefit requires a minimum quarterly spend of ₹75,000 in the previous quarter. The Axis Ace card comes with an annual charge of ₹499; the joining fee is waived on spending ₹10,000 within the first 45 days.

Who should consider applying? People who prioritize cashback on offline spending, especially if they frequently use food delivery apps and Google Pay for bill payments.

5. Flipkart Axis Credit Card

The Flipkart Axis credit card is popular for its unlimited 5% cashback on purchases made on Flipkart and Cleartrip, and 4% on preferred merchants. All other online and offline purchases earn a generous 1% cashback. For a limited time, Flipkart is also offering a ₹1,000 gift voucher to applicants.

This card also offers complimentary airport lounge access, but like all Axis cards, this requires a minimum spend of ₹75,000 in the previous quarter.

The card comes with a joining and annual fee of ₹500 + GST. The fee is waived if you spend over ₹3.5 lakh in a calendar year. Some users may get this card with the first year free or even lifetime free access.

Who should consider applying? Regular Flipkart shoppers who want a card with a good cashback rate on the platform and decent rewards on other spends.

6. Tata Neu Infinity Credit Card

The Tata Neu Infinity credit card from HDFC Bank is the best offline cashback card if you spend a lot on Tata brands. This card gives you 5% cashback in the form of Neu Coins for purchases made at Tata brands like Tanishq, Titan, Westside, and more.

Plus, if you get the RuPay variant and pay through this card using Tata Neu UPI, you get a flat 1.5% cashback in the form of Neu Coins. This applies to payments at any shop, restaurant, cafe, or retailer that accepts UPI payments via credit card.

Each Neu Coin is worth ₹1 and can be redeemed at partner Tata brands on the app. You can buy groceries, gadgets, or clothes with these coins.

Who should consider applying? Customers who frequently shop at Tata brands and prefer using UPI for payments.

7. SBI SimplySave Credit Card

The SBI SimplySave is one of the most popular credit cards for offline spending. When SBI launched the SimplyClick and SimplySave cards, the Click variant became a favourite for online spenders, while the Save card gained popularity among offline purchasers since it offers a 2.5% reward rate on dining, departmental stores, movies, and groceries.

As a joining benefit, you get 2,000 bonus reward points when you spend ₹2,000 or more within the first 60 days. The card also offers a 1% fuel surcharge waiver at any petrol pump for transactions between ₹500 and ₹3,000.

Who should consider applying? Individuals who spend a significant amount on dining, groceries, movies, and departmental stores.

8. SBI Cashback Credit Card

The SBI Cashback is one of the best cashback cards on the market right now. It gives you 5% cashback on online purchases and 1% cashback on all your offline spending. However, the cashback is capped at ₹5,000 per month, and the card comes with a joining and annual fee of ₹999 + GST.

So, if you only spend offline, you’ll be better off with other lifetime-free or lower-fee credit cards on this list. However, if you spend both online and offline, it would be worth paying the annual fee. Also, consider that the fee is waived if you spend over ₹2 lakh online in a year.

Who should consider applying? Those who spend heavily both online and offline and can maximize the cashback cap to offset the annual fee.

9. HSBC Live+ Credit Card

The HSBC Live+ credit card (formerly known as the HSBC Cashback card) gives you 10% accelerated cashback, up to ₹1,000 a month, on all dining, food delivery, and grocery spends. It also offers 1.5% unlimited cashback on most online and offline spends, making it a great cashback card for both new-age and traditional spenders.

However, the 10% accelerated cashback is capped at ₹1,000 per month. While the card has an annual fee of ₹999 + GST, it offers four complimentary domestic airport lounge visits per year – one per quarter.

As a welcome bonus, get ₹1,000 cashback when you download and log on to the HSBC India Mobile Banking app and spend ₹20,000 within the first 30 days of getting your card. Plus, get a ₹250 Amazon e-gift voucher when you apply for your card online and complete your video KYC.

Who should consider applying? Individuals who spend a lot on dining, food delivery, and groceries and want accelerated cashback in these categories.

10. Kotak Myntra Credit Card

The Kotak Myntra credit card is an interesting option. Why? It offers a flat 7.5% discount on Myntra purchases (up to ₹750 maximum), 5% on preferred merchants (max ₹1000 per statement), and 1.25% cashback on all other spends. You also get a complimentary membership to the Myntra Insider Program.

You can either swipe your credit card at retail stores or pay via UPI to earn unlimited 1.25% cashback. However, for UPI transactions, the cashback is only credited for amounts over ₹2000.

The card does have an annual fee of ₹500 + GST, but this is easily recovered through cashback rewards. As a joining benefit, you’ll receive a Myntra voucher worth ₹500 when you complete one or more transactions worth ₹500 or more within 30 days of issuance.

Who should consider applying? Frequent Myntra shoppers who also want a decent cashback rate on other offline and UPI spends.

Explore Other Cashback Cards for Offline Purchases

If you’re focused on maximizing rewards for your offline spending, here are some additional credit cards to explore

• Yes Bank Marquee Credit Card
• Bank of Baroda Eterna Credit Card
• Standard Chartered Smart Credit Card
• HDFC Swiggy Credit Card
• AU LIT card (with Cashback Plan)
• Airtel Axis Credit Card
• Kotak IOCL
• HDFC Regalia (with reward points redeemable for cashback)
• Axis Rewards
• Axis Privilege

I hope this helps you. I’ll be updating the list as and when new cards launch in the market. Stay tuned!