Synopsis- Shop this Diwali with the credit cards that provides the best rewards, cashbacks or festive offers. Find the best credit cards that will make your Diwali shopping, more satisfying and economical.
As Diwali is around the corner and you might be looking for the perfect gift for your loved ones but also looking for festive offers? These credit cards will allow you buy more and save more at the same time. And choosing the best credit card is very important, be it for rewards, cashbacks or even festive offers. Here, let us walk through some of the best credit cards you can consider this Diwali season
1. HDFC Regalia Gold Card
The HDFC Regalia Gold Card is a great option, if you wish to combine shopping rewards with premium travel benefits. It provides 5X reward points on e-commerce platforms such as Nykaa and Reliance Digital, as well as 4 points for every ₹150 spent elsewhere.You can enjoy a free airport lounge and travel insurance to cover you when you are away. This card is ideal for festival shoppers who also travel a lot and demand more out of their credit card than cashback.
- Joining Fee: ₹1,000
- Annual Fee: ₹1,000 (waived on spends of ₹2,50,000 per year)
- Main festive offer highlights:
- Apple iPhone 17 and 16 Series: Up to 10% instant cashback plus no-cost EMI options on latest iPhone models.
- Samsung Galaxy Smartphones (S Series): Up to 12% discount and exclusive cashback offers on flagship Samsung devices.
- OnePlus 12 and Nord Series: Up to 15% off during festive sales coupled with accelerated reward points.
- Sony Bravia 4K Smart TVs: Discounts up to 8-12% plus extra cashback on select models.
- Fitness Trackers and Smartwatches (Apple Watch, Fitbit): Up to 15% off and additional reward points for wearable purchases
2. Axis Bank Ace Credit Card
The Axis Bank Ace Credit Card is a good bet when you want a card that will reward you on your daily spending. It also gives 5% cashback on Google Pay payments, 4% cashback on bill payments, and unlimited cashback of 2% on any other expenditures. This renders it suitable in high frequency digital transactions and frequent shopping. This card is ideal when you are interested in simple cashback benefits with no complex terms or co-branded limitations.
- Joining Fee: Nil
- Annual Fee: ₹499 (waived on spends of ₹2,00,000 per annum)
- Main Festive offer highlights:
- Apple- Up to 8% instant discount or cashback on MacBook Air and MacBook Pro models.
- Samsung- Up to ₹3,000 cashback on Samsung Galaxy watches and earphones. Up to 10% discount on Samsung smart TVs.
- LG- Up to ₹7,000 instant cashback on LG refrigerators and air conditioners. Up to 8% discount on LG OLED TV models.
- Dell- Up to 10% cashback on laptops and desktops
3. SimplyCLICK Card by SBI Card
If you are an online shopper, the SBI SimplyCLICK Card is a very good option to shop during this festive season. You receive a 10 percent cashback with online stores, such as Amazon, Myntra, and Flipkart. In addition, they add additional cashback and discounts at the time of festival sales.
- Joining Fee: ₹499 (waived on spends of ₹15,000 in 90 days)
- Annual Fee: ₹499 (waived on spends of ₹1,00,000 annually)
- Main festive offer highlights:
- iPhone 17- Up to ₹6,000 instant cashback and no-cost EMI offers during the festive season.
- Samsung Mobiles- Up to ₹12,000 cashback on Samsung mobiles through partner retailers.
- OnePlus Smartphones- Discounts and cashback offers up to ₹5,000 on select OnePlus models.
- Apple Products (iPads, MacBooks)- Up to ₹10,000 discount on Apple products including iPads and MacBooks
Also read: Rise of Co-Branded Credit Cards in India: 6 Popular Options You Can Choose in 2025
4. Adani One ICICI Bank Platinum Credit Card
The Adani One Platinum Credit Card of the ICICI Bank will be a perfect choice as it comes with a smooth combination with the lounge services where one can earn reward points on spending at Adani-operated airports, Train bookings and at Adani Gas, Adani Electricity and so on. The cardholders have access to exclusive airport lounge, upgraded service, and fuel perks that make traveling more comfortable and convenient.
- Joining Fee: ₹750
- Annual Fee: ₹750 (waved on spends of ₹3,00,000 in any year)
- Main festive offer highlights:
- Apple- Up to 10-15% instant discount or cashback on iPhone 16 and 17 series. Discounts on MacBook Air and MacBook Pro models up to ₹10,000. Offers on Apple Watch with cashback up to ₹2,000.
- LG- Up to ₹7,000 cashback on refrigerators and air conditioners. Additional discounts on washing machines and kitchen appliances.
- Myntra & AJIO (Fashion Brands)- Up to 20% discount on apparel, footwear, and accessories during the festive sale.
5. HDFC Millennia Credit Card
This one is like a multi-skilled friend who can do everything. Amazon, Flipkart, BookMyShow, Myntra and even Zomato give you 5% cashback. And in the case you are into food delivery , 25% of Swiggy orders are on offer. It’s a pleasant prerequisite when you are out shopping and do not really want to cook. They have this Smart EMI on big bills ₹10,000 and above. It is a convenient card when you need cashback whether you are shopping or going out to eat.
- Joining Fee: ₹1,000 (waived on spends of ₹20,000 in 90 days)
- Annual Fee: ₹1,000 (waived on spends of ₹1,00,000 annually)
- Main festive offer highlights:
- Apple iPhone 17 and 16 Series- Up to 10% instant cashback plus no-cost EMI options on latest iPhone models.
- Samsung Galaxy Smartphones (S Series)- Up to 12% discount and exclusive cashback offers on flagship Samsung devices.
- OnePlus 12 and Nord Series- Up to 15% off during festive sales coupled with accelerated reward points.
- Sony Bravia 4K Smart TVs- Discounts up to 8-12% plus extra cashback on select models.
- Fitness Trackers and Smartwatches (Apple Watch, Fitbit)- Up to 15% off and additional reward points for wearable purchases
6. Amazon Pay ICICI Credit Card
Are you an Amazon deal-addict then? This card will offer you a 5 percent cashback in case you are an Amazon Prime member, and 3 percent if you are not. And, extra cashback on partner transactions on Amazon Pay, which is essentially extra savings. There is no joining or annual fee.
7. Flipkart Axis Bank Credit Card
This credit card is tailored to enthusiastic Flipkart users. You can earn cashback of up to 5 percent on Flipkart purchases and enjoy other benefits on Big Billion Days and other sales festivals. It also provides cashback on payment of utility bills and fuel making it a handy card to use during normal and holiday shopping.
- Joining Fee of ₹500 and Annual Fee: ₹500 (waived on spends of ₹3,50,000 annually)
Conclusion
Each of these cards includes your shopping, eating, traveling and fueling costs. Choosing the appropriate mix will put you in a position to save a lot and have some special privileges during the festive season. And who does not want that, right?
Written by Jayanth R Pai
