India is moving heavily in the electronic sector. And, a smart shopper should consider a good credit card that helps in saving money, earning cashback or reward points. Whether you are planning to buy the latest iPhone or MacBook or a Smart TV, choosing the right credit card can make a big difference.
What to Look for in a Big-Ticket Purchase Credit Card
- High Credit Limit – Gives you more room to spend and manage large transactions.
- No-Cost EMI Availability – Lets you split payments across months with zero interest.
- Cashback or Reward Multipliers – On electronics, appliances, and partner stores.
- Purchase Protection – Extended warranty, theft/damage coverage adds peace of mind.
- Platform/Brand Partnerships – Like Amazon, Flipkart, Croma, Reliance Digital.
Top 7 Credit Cards for Big-Ticket Shopping in India
1. HDFC Regalia Credit Card
- Best For: Premium electronics, luxury appliances
- Reward Benefits:
- 4 Reward Points per ₹150 on all spends
- 1 RP = ₹0.50 (redeemable for travel, vouchers)
- Additional Perks:
- Complimentary Lounge Access (Domestic & International)
- Purchase protection insurance
- Annual Fee: ₹2,500 (waived on ₹3L annual spend)
- Festive Edge:
- Tie-ups with Croma, Reliance Digital during Diwali/Dussehra
2. SBI Card PRIME
- Best For: High-spend EMI shoppers
- Reward Structure:
- 20 RP per ₹100 on dining, department stores, groceries
- 10 RP per ₹100 on other retail spends
- Additional Benefits:
- Complimentary Club Vistara & Trident Privilege Membership
- Milestone bonuses (₹3,000 worth gift vouchers annually)
- Annual Fee: ₹2,999
- Festive Edge:
- Works seamlessly with Amazon SmartBuy & Flipkart sale offers
3. Axis Bank ACE Credit Card
- Best For: Flat cashback on all spends
- Cashback Benefits:
- 5% on bill payments & recharges via Google Pay
- 2% on all other spends
- Other Perks:
- Easy EMI conversion through Axis app
- Great for buying through Flipkart/Croma
- Annual Fee: ₹499 (waived on ₹2L spend)
- Festive Edge:
- Combine with Flipkart & Croma sale events for deeper discounts
4. ICICI Amazon Pay Credit Card
- Best For: Prime Members buying on Amazon
- Cashback:
- 5% on Amazon.in (for Prime members)
- 2% on partner merchants, 1% elsewhere
- Highlights:
- Lifetime free
- Instant EMI option available on Amazon
- Annual Fee: ₹0
- Festive Edge:
- Max savings on Amazon Great Indian Festival (electronics mega deals)
Also read: Top 10 Business Credit Cards in India for 2025- Rewards, Cashback & Perks Inside!
5. Axis Bank Flipkart Credit Card
- Best For: Big Billion Days & Flipkart users
- Cashback:
- 5% on Flipkart & Myntra
- 4% on Swiggy, Uber, etc.
- 1.5% on all other spends
- Benefits:
- Welcome voucher worth ₹500
- EMI conversion facility
- Annual Fee: ₹500 (waived on ₹2L spend)
- Festive Edge:
- Up to ₹2,000 instant discount during Flipkart sales
6. American Express SmartEarn Credit Card
- Best For: Shoppers who are interested in rewards
- Reward Points:
- 10X on Amazon, Flipkart (through Amex Rewards portal)
- 1X on all other spends
- Special Benefits:
- ₹500 voucher on ₹10,000 monthly spend
- Bonus rewards on milestone spends
- Annual Fee: ₹495 (waived on ₹40K spend)
- Festive Edge:
- Amex festive campaigns offer additional vouchers
7. Bajaj Finserv RBL Bank SuperCard
- Best For: Converting large purchases into convenient EMIs
- Perks include:
- EMIs on phone swipe (at over 1 lakh partner stores)
- 5% cashback on down payment at partner electronics stores
- Other Benefits:
- Free movie tickets
- Interest-free ATM cash withdrawal for 50 days
- Annual Fee: ₹999 (may vary)
- Festive Edge:
- Strong offline coverage is available for electronics & appliance stores
Points to remember
- Check in prior, for no-cost EMI before making the final payments
- Wait and buy during the flash sales or card exclusive slots to enjoy maximum benefits
- Stack the offers like platform deals, card cashbacks, coupon codes and extras if any
- Use EMI options only when necessary. Else, always try to pay it in full.
- Set yourself spend alerts to keep yourself within the threshold of waiver relief.
Conclusion
If you’re planning to purchase any gadgets like a smartphone, laptop, AC, or TV, the right credit card that suits your spending habits can unlock EMI flexibility, cashback, reward points, and even exclusive offers. For Amazon or Flipkart loyalists, co-branded cards offer maximum value. While for general purposes across various platforms and offline electronics stores, cards like HDFC Regalia or SBI PRIME provide unmatched versatility. Choose based on your shopping pattern, preferred platforms, and repayment capacity.
Written by Kavitha Sugumar
