Diwali is one of the most celebrated festivals in India. It is a festival of lights, joy and prosperity that symbolizes the victory of good over evil, knowledge over ignorance and hope over despair.

Diwali 2023 is on November 12 and people are looking forward to shopping online or offline for themselves and their loved ones. Shopping is an integral part of Diwali as it brings happiness, excitement and satisfaction.

But shopping can also be expensive and stressful if you don’t plan well. That’s why using credit cards for Diwali 2023 shopping can be a smart move. Credit cards can help you save money, earn rewards, get discounts, avail EMI options and enjoy other benefits.

In this article, we will help you find the best credit cards for Diwali 2023 shopping in India. We will list the top 10 credit cards in India based on various factors such as annual fee, interest rate, rewards program, features, etc.

So, let’s find out which credit card can make your Diwali 2023 shopping more fun and rewarding.

Top 10 Credit Cards in India for Diwali 2023 Shopping

Here are the top 10 credit cards in India that you can use for Diwali 2023 shopping:

HDFC Bank Regalia Credit Card

This credit card offers a reward rate of up to 4% on all spends and a welcome offer of 2500 reward points. It also provides complimentary lounge access, travel insurance, fuel surcharge waiver, and discounts on dining.

It is ideal for Diwali 2023 shopping as it offers 5X reward points on online spends and 10X reward points on partner brands such as Amazon, Flipkart, Myntra, etc.

• Pros:
  • High reward rate
  • Travel and lifestyle benefits
  • Low annual fee of Rs. 2500 (waived on spending Rs. 3 lakhs in a year)
• Cons:
  • High interest rate of 23.88% p.a.
  • High eligibility criteria (minimum monthly income of Rs. 1.2 lakhs)

SBI SimplyCLICK Credit Card

This credit card is designed for online shoppers who want to save money on their Diwali purchases. It offers a reward rate of up to 2.5% on all online spends and a welcome offer of Rs. 500 Amazon gift voucher which makes it perfect for diwali 2023.

It also provides 10X reward points on partner websites such as Amazon, BookMyShow, Cleartrip, etc. and 5X reward points on all other online spends to save more on diwali 2023 shopping.

It also gives 1% fuel surcharge waiver, e-vouchers worth Rs. 2000 on annual online spends of Rs. 1 lakh and Rs. 2 lakhs, and milestone rewards.

• Pros:
  • Low annual fee of Rs. 499 (reversed on spending Rs. 1 lakh in a year)
  • Easy eligibility criteria (minimum monthly income of Rs. 20,000)
  • No expiry date for reward points
• Cons:
  • High interest rate of 22.90% p.a.
  • Low reward rate on offline spends (0.25%)

ICICI Bank Amazon Pay Credit Card

This credit card is a co-branded card with Amazon that offers cashback on all purchases made on Amazon and other platforms. It offers a cashback rate of up to 5% on Amazon purchases and a welcome offer of Rs. 600 Amazon Pay balance.

It also provides 2% cashback on partner merchants such as Swiggy, BookMyShow, Cleartrip, etc. and 1% cashback on all other purchases. It also gives no-cost EMI options, fuel surcharge waiver, and zero joining and annual fees so that you can enjoy shopping on diwali 2023.

• Pros:
  • No annual fee or joining fee
  • No minimum redemption amount for cashback
  • No expiry date for cashback
• Cons:
  • High interest rate of 23.90% p.a.
  • Cashback is credited only in Amazon Pay balance

Flipkart Axis Bank Credit Card

This credit card is another co-branded card with Flipkart that offers cashback on all purchases made on Flipkart and other platforms. It offers a cashback rate of up to 5% on Flipkart, Myntra and 2GUD purchases and a welcome offer of Rs. 500 Flipkart voucher that makes it a perfect choice for shopping on diwali 2023.

It also provides 4% cashback on partner merchants such as Uber, PVR, Curefit, etc. and 1.5% cashback on all other purchases. It also gives no-cost EMI options, fuel surcharge waiver, 4 complimentary lounge visits per year, and discounts on dining.

• Pros:
  • Low annual fee of Rs. 500 (waived on spending Rs. 2 lakhs in a year)
  • No minimum redemption amount for cashback
  • No expiry date for cashback
• Cons:
  • High interest rate of 22.90% p.a.
  • Cashback is credited only in statement balance

American Express SmartEarn Credit Card

This credit card is a low-cost card that offers rewards on all spends and a welcome offer of Rs. 500 cashback. It offers a reward rate of up to 1.5% on all spends and 10X membership rewards points on partner brands such as Flipkart, Amazon, Uber, etc.

It also provides 5X membership rewards points on all other online spends for diwali 2023 shopping and fuel surcharge waiver. It also gives access to American Express Selects and American Express ezeClick for exclusive offers and discounts.

• Pros:
  • Low annual fee of Rs. 495 (waived on spending Rs. 40,000 in a year)
  • Easy eligibility criteria (minimum monthly income of Rs. 15,000)
  • Flexible redemption options for reward points (travel, shopping, gift cards, etc.)
• Cons:
  • High interest rate of 23.90% p.a.
  • Low acceptance of American Express cards in India

Citibank Rewards Credit Card

This credit card is a rewards card that offers points on all spends and a welcome offer of 2500 reward points. It offers a reward rate of up to 1% on all spends and 10 reward points per Rs. 125 spent on apparel and department stores.

It also provides 300 bonus points on card spends of Rs. 30,000 or more in a month and fuel surcharge waiver. It also gives access to Citibank World Privileges and Citibank Online for exclusive offers and discounts.

• Pros:
  • No expiry date for reward points
  • Flexible redemption options for reward points (travel, shopping, gift cards, etc.)
  • Wide acceptance of Citibank cards in India
• Cons:
  • High annual fee of Rs. 1000 (waived on spending Rs. 30,000 in a year)
  • High interest rate of 23.88% p.a.

Kotak Mahindra Bank Royale Signature Credit Card

This credit card is a premium card that offers rewards and benefits on travel, entertainment and lifestyle. It offers a reward rate of up to 2% on all spends that makes it stand out for diwali 2023 shopping and a welcome offer of complimentary domestic airport lounge access vouchers.

It also provides 4X reward points on travel, hotels, airlines and international spends and 2X reward points on other categories. It also gives fuel surcharge waiver, railway surcharge waiver, complimentary domestic airport lounge access, and discounts on dining.

• Pros:
  • High reward rate
  • Travel and lifestyle benefits
  • Low annual fee of Rs. 999 (waived on spending Rs. 1 lakh in a year)
• Cons:
  • High interest rate of 23.88% p.a.
  • High eligibility criteria (minimum monthly income of Rs. 1 lakh)

RBL Bank Icon Credit Card

This credit card is a super-premium card that offers rewards and benefits on travel, entertainment and lifestyle. It offers a reward rate of up to 2% on all spends and a welcome offer of 20,000 reward points making it a good choice for diwali 2023 shopping.

It also provides 10X reward points on dining, entertainment, utility bills and international spends and 2X reward points on other categories. It also gives complimentary domestic and international airport lounge access,

golf privileges, movie tickets, fuel surcharge waiver, and discounts on dining.

• Pros:
  • High reward rate
  • Travel and lifestyle benefits
  • No annual fee for the first year (Rs. 5000 from the second year)
• Cons:
  • High interest rate of 23.88% p.a.
  • High eligibility criteria (minimum monthly income of Rs. 1.5 lakhs)

Standard Chartered Super Value Titanium Credit Card

This credit card is a value-for-money card that offers cashback on all spends and a welcome offer of Rs. 1500 cashback. It offers a cashback rate of up to 5% on all spends and 5% cashback on fuel, phone and utility bills.

It also provides 20% cashback on Uber rides, no-cost EMI options, and fuel surcharge waiver. It also gives access to Standard Chartered Good Life Program and Standard Chartered Online Banking for exclusive offers and discounts.

• Pros:
  • Low annual fee of Rs. 750 (waived on spending Rs. 90,000 in a year)
  • No minimum redemption amount for cashback
  • No expiry date for cashback
• Cons:
  • High interest rate of 23.90% p.a.
  • Low cashback cap of Rs. 500 per month

HSBC Cashback Credit Card

This credit card is a simple and straightforward card that offers cashback on all spends and a welcome offer of Rs. 2000 Swiggy voucher. It offers a cashback rate of up to 1.5% on all spends and 5% cashback on online spends.

It also provides 1.5% cashback on all other purchases, no-cost EMI options, so that you can save more on diwali 2023 shopping and fuel surcharge waiver. It also gives access to HSBC Privileges Program and HSBC Online Banking for exclusive offers and discounts.

• Pros:
  • No annual fee or joining fee
  • No minimum redemption amount for cashback
  • No expiry date for cashback
• Cons:
  • High interest rate of 23.90% p.a.
  • Low cashback cap of Rs. 300 per month

Diwali 2023 Date

Date	Day	Event
10 November 2023	Friday	Dhanteras
11 November 2023	Saturday	Chhoti Diwali
12 November 2023	Sunday	Diwali
13 November 2023	Monday	Govardhan Puja
14 November 2023	Tuesday	Bhaiya Dooj

This table shows the dates, days and events of Diwali 2023 in India. Diwali is a five-day festival that celebrates the triumph of light over darkness, good over evil and knowledge over ignorance. Each day has a different significance and rituals associated with it. You can learn more about Diwali and

Conclusion

We hope this article has helped you find the best credit cards for Diwali 2023 shopping in India. Using credit cards for Diwali shopping can help you save money, earn rewards, get discounts, avail EMI options and enjoy other benefits.

So, don’t wait any longer and apply for one or more of these credit cards today.

We wish you a happy and prosperous Diwali 2023. Happy shopping!

If you have any feedback or queries, please feel free to share them in the comments section below or contact us for more information. We would love to hear from you.

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