Diwali 2025 is just around the corner, and marketplaces across India are buzzing with festive deals – from gold and gadgets to gifts and home décor. It’s the best time to shop smart and make every purchase count.
Using the right credit card for Diwali shopping can help you earn extra cashback, reward points, and exclusive festive discounts. As Amazon and Flipkart roll out mega Diwali sales and pass on ₹300 crore in GST savings, banks are stepping in with special Diwali credit card offers – competing to give shoppers maximum value this season.
Wondering which card gives you the best perks?
Here’s our curated list of the top credit cards for Diwali 2025 to help you shop smarter, save more, and light up your wallet with festive rewards.
| Card | Best for | Annual Fee | Key Diwali 2025 Offer | Unique Feature |
|---|---|---|---|---|
| SimplyCLICK SBI | Online shopping | ₹499 + taxes | 10X Reward Points on Myntra, BookMyShow, Yatra; ₹2,000 voucher | 10X rewards on partner sites |
| Amazon Pay ICICI | Amazon shoppers (Prime/Non-Prime) | ₹0 (Lifetime) | 5% cashback on Prime, 3% Non-Prime; discounts on Blinkit, BigBasket, Swiggy, Zepto | Lifetime free; 5% cashback on Amazon |
| HDFC Millennia | Everyday cashback | ₹1,000 | 5% cashback on Amazon, Flipkart, BookMyShow (up to ₹1,000/quarter) | Broad cashback on select brands |
| Flipkart Axis Bank | E-commerce & lifestyle | ₹500 + taxes | 10% instant discount up to ₹1,750 on Flipkart & EMI | High cashback on Myntra & Flipkart |
| SBM ZET | Credit-building / FD-backed | ₹0 (Lifetime) | Discounts on Amazon Prime & Flipkart | FD-backed; helps build credit score |
Note: Festive credit card offers and discounts may vary by bank, merchant, and card type. Always verify the latest offer details on the official bank or brand website before making a purchase.
Best for: Online shopping enthusiasts looking for maximum cashback and rewards
Key Benefits:
Up to 10% cashback on Amazon and other top e-commerce platforms like Flipkart and Myntra during festive sales.
Accelerated reward points on all online purchases to help you earn faster while shopping for Diwali 2025.
Exclusive brand tie-ups with Croma, Pantaloons, MakeMyTrip, and more for extra festive discounts.
Large purchase friendly: Cashback and discounts can effectively cover the annual fee, making it ideal for big-ticket Diwali shopping.
Annual Fee: ₹499 to ₹1,499
Why it’s perfect for Diwali 2025:
SBI Card SimplyCLICK is one of the most popular credit cards for online shopping this Diwali. With high cashback rates, reward points, and exclusive festive deals, it helps shoppers maximize savings, enjoy seamless online purchases, and even offset the annual fee on large spends—making it a top choice for Diwali shopping 2025.
Best for: Young professionals and savvy online shoppers
Key Benefits:
5% cashback on Amazon, Flipkart, and BookMyShow (up to ₹1,000 per quarter), perfect for Diwali 2025 deals.
1% cashback on all other purchases, so every festive spend earns rewards.
Flexible EMI options on big-ticket Diwali purchases, making it easier to shop without stretching your budget.
Exclusive festive offers on lifestyle, travel, and entertainment platforms to make your Diwali shopping extra rewarding.
Annual Fee: ₹1,000
Why it’s a Diwali Must-Have:
HDFC Bank Millennia Credit Card is one of the top credit cards for Diwali online shopping 2025. With high cashback on popular e-commerce sites, EMI options for large purchases, and exclusive festive deals, it turns your Diwali shopping into a rewarding experience while maximizing savings. If you’re planning a big festive haul this Diwali, this card ensures you get the most value for every rupee spent.
Best for: Frequent Amazon shoppers and Prime members looking to save more on festive purchases
Why shoppers love it this Diwali:
5% cashback on Amazon for Prime members and 3% cashback for non-Prime members, perfect for grabbing Diwali 2025 deals.
1% cashback on all other purchases, ensuring you earn rewards on every festive spend.
Seamless Amazon Pay integration, making online payments faster and more rewarding during the busy Diwali shopping season.
No annual fee, so you can enjoy cashback benefits without any extra cost.
Why it’s a Diwali Must-Have:
If you love shopping on Amazon for Diwali gifts, decorations, and festival essentials, the Amazon Pay ICICI Credit Card is designed for you. It helps you maximize cashback, save on your festive budget, and enjoy a smoother shopping experience, making it one of the top credit cards for Diwali 2025 online shopping.
Best for: First-time credit users and shoppers looking to improve their credit score
Why shoppers love it this Diwali:
Lifetime free credit card – no annual or renewal fees, perfect for cost-effective festive shopping.
FD-backed credit limit – secure your card with a Fixed Deposit starting at ₹5,000 and enjoy up to 90% of the FD amount as your credit limit.
Earn up to 7% interest on FD, helping you grow your savings while using your card.
45-day interest-free period – make Diwali purchases and pay later without extra cost.
Seamless UPI integration with Google Pay, PhonePe, and Paytm for faster, secure online payments.
Festive Cashback & Rewards:
Amazon: 5% cashback
Flipkart: 8% cashback
Myntra: 20% cashback
Gift Cards: 5% cashback
Major online platforms: up to 15% rewards
Why it’s a Diwali 2025 must-have:
The SBM ZET Credit Card is one of the best credit cards for Diwali online shopping 2025, combining high cashback offers, rewards, and credit-building benefits. Ideal for first-time credit users, it helps shoppers maximize savings, enjoy hassle-free festive purchases, and improve their credit score while shopping this Diwali.
The Flipkart Axis Bank Credit Card is a co-branded cashback credit card perfect for online shoppers looking to save during Diwali 2025, Dhanteras, and other festive occasions. With exciting cashback on Flipkart, Myntra, and partner merchants, this credit card helps you maximize rewards on festive shopping, gadgets, home decor, sweets, and gifts.
Shoppers who frequently buy from Flipkart, Myntra, and 2GUD
Festival shoppers looking for high cashback, reward points, and no-cost EMI options
People planning big-ticket purchases during Diwali, Dhanteras, and Durga Puja 2025
Welcome Benefit: Flipkart voucher worth ₹500 on first transaction
Cashback on Flipkart & Myntra: Up to 5% cashback on festive shopping and everyday online purchases
Cashback on Partner Merchants: 4% cashback on Uber, Swiggy, PVR, CultFit, and Tata 1mg
Cashback on All Other Purchases: 1.5% unlimited cashback
No-Cost EMI Options: Available on Flipkart, Myntra, and select partner merchants for easier festive budgeting
Reward Points: Redeemable for vouchers, cashback, or discounts during Diwali sales
Joining Fee: ₹500 + GST (may be waived for the first year)
Annual Fee: ₹500 + GST (waived if annual spends exceed ₹3.5 lakh, excluding wallet & rent transactions)
The Flipkart Axis Bank Credit Card is a must-have for Diwali 2025 shopping because it makes every purchase more rewarding. With cashback on Flipkart, Myntra, and partner merchants, plus no-cost EMI options, it’s perfect for buying festival gifts, electronics, sweets, or home decor without stretching your budget. Using this card smartly alongside other credit cards helps maximize reward points, maintain a healthy credit utilization ratio, and enjoy special offers during festive sales. Whether shopping for Durga Puja, Dhanteras, or Diwali, this card turns your festive shopping into smart savings and rewarding purchases.
Diwali 2025 shopping is incomplete without the Amazon Great Indian Festival and Flipkart Big Billion Days sales. Pairing festive discounts with the right credit card can double your savings:
Amazon Great Indian Festival 2025: Amazon Pay ICICI Credit Card for 5% cashback (Prime) & 3% (Non-Prime).
Flipkart Big Billion Days 2025: Flipkart Axis Bank Credit Card for 5% cashback and 10% instant bank discounts.
Big-ticket gadgets: SBI SimplyCLICK and HDFC Millennia for EMI options on TVs, smartphones, laptops.
Pro Tip: Stack bank offers + platform coupons + card cashback for maximum value.
Diwali and Dhanteras are auspicious for buying gold. Banks are offering exclusive festive benefits:
SBI Cards: Cashback on Tanishq, CaratLane, Malabar Gold.
HDFC Millennia: Flexible EMI conversion on jewellery spends.
ICICI Cards: Extra points on gold jewellery and luxury brands.
Perfect for shoppers buying gold coins, jewellery, or festive gifts.
Smartphones, TVs, and home appliances dominate Diwali sales. Credit cards make them lighter on your wallet:
HDFC Millennia: No-cost EMI on Amazon & Flipkart.
Flipkart Axis Bank: Up to 10% discount on smartphones.
Amazon Pay ICICI: Cashback on OnePlus, Samsung, iPhones during festive launches.
Great for upgrading gadgets without overspending.
Many families travel during Diwali holidays. The right cards save big on travel:
SBI SimplyCLICK: Discounts on Yatra, IRCTC, MakeMyTrip.
HDFC Millennia: Cashback on BookMyShow – festive movies/events.
Premium cards (Infinia, Magnus): Lounge access + travel rewards.
Perfect for those planning festive vacations.
Shop on mega sale days (Big Billion Days, Great Indian Festival).
Combine credit card cashback + coupons + GST savings.
Use No-Cost EMI for big-ticket purchases (gold, electronics).
Activate festive offers via bank app/SMS before shopping.
Source:
It really depends on where you shop most. For Amazon-heavy shoppers, the Amazon Pay ICICI Card gives maximum cashback. If you’re buying from Flipkart or Myntra, the Flipkart SBI Card is great. And if you want premium rewards and lounge access, HDFC Infinia is unbeatable.
Absolutely! Most e-commerce platforms let you stack credit card cashback with festive sale discounts or coupon codes. Just make sure you check the terms some cards or merchants have specific conditions.
Often, yes. Some cards require activation via the bank’s app, SMS, or website. A quick check before you shop can save you from missing out on cashback or reward points.
Not all. Only selected cards from major banks and co-branded cards (like SBI, HDFC, ICICI) usually have festive offers. Check the bank’s official site for verified deals.
Shop on peak sale days, pick cards that give maximum cashback on your preferred platforms, combine with ongoing app/platform discounts, and consider splitting big spends into no-cost EMIs.
Amazon Pay ICICI is unbeatable on Amazon, while Flipkart Axis gives higher cashback on Flipkart & Myntra.
HDFC Millennia and Flipkart Axis Bank are best for smartphones, laptops, and appliances with no-cost EMI and cashback.
SBI Cards and ICICI Bank credit cards offer extra cashback on jewellery during Dhanteras and Diwali 2025.
Yes, some e-commerce platforms allow split payments across multiple cards.
For big-ticket items like gold & gadgets, go with No-Cost EMI. For clothes, sweets, and gifts, cashback cards save more.
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