Best Shopping Credit Cards For July 2025: Check Features, Charges And More
You must evaluate your spending priorities to decide which shopping credit card will be the most rewarding, as per your needs.
Credit cards have become indispensable tools for managing expenses. They let you earn rewards and enjoy perks such as accessing the airport lounge. Choosing a credit card tailored to your shopping habits can unlock significant savings and benefits.
Here are some of the best credit cards you can choose from in July 2025.
Top Five Credit Cards In July 2025
1. Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card is a good pick for shoppers who frequently use Amazon. It offers 5% cashback for Amazon Prime members. Non-Prime members can get a cashback of 3% for their Amazon purchases. The best part is that the credit card comes with zero joining and annual fees.
2. HDFC Bank Millennia Credit Card
The HDFC Bank Millennia Credit Card offers 5% cashback on purchases from Amazon, Flipkart, Myntra, Zomato, Swiggy, BookMyShow and other platforms. The cashback is capped at Rs 1,000 per statement cycle.
However, the card comes with a joining fee of Rs 1,000 and an equal amount needs to be paid for renewal every year.
3. SBI Cashback Credit Card
This card offers 5% cashback on online transactions without any restriction on merchants. It provides 1% cashback on offline transactions and bill payments.
The cashback limit is capped at Rs 5,000 for a monthly cycle. It comes with a joining fee of Rs 999.
4. Tata Neu Infinity HDFC Bank Credit Card
Users of the Tata Neu Infinity HDFC Bank Credit Card can get 5% back as NeuCoins on non-EMI purchases on Tata Neu and partner Tata Brands. The card offers 1.5% back as NeuCoins on UPI transactions.
The cardholders need to pay a joining fee and a renewal fee of Rs 1,499 each.
5. HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card offers 5X reward points on transactions at Marks & Spencer, Myntra, Nykaa and Reliance Digital. Cardholders get four reward points for every Rs 150 spent on retail transactions. The card comes with joining and renewal fees of Rs 2,500.
To conclude, choosing the right credit card for shopping can significantly enhance your shopping experience while saving you money. Before applying, evaluate your spending patterns, compare fees for different cards and ensure that the card’s rewards align with your spending needs.
