Best Credit Cards for Diwali 2023 Shopping : Celebrate Diwali with Savings

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 accesstravel insurancefuel surcharge waiver, and discounts on dining.

Diwali 2023

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.

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 waivere-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.

Diwali 2023

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 optionsfuel 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.

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 optionsfuel surcharge waiver4 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.

Diwali 2023

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.
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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 waiverrailway surcharge waivercomplimentary 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.

Diwali 2023

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 privilegesmovie ticketsfuel 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 ridesno-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 purchasesno-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

DateDayEvent
10 November 2023FridayDhanteras
11 November 2023SaturdayChhoti Diwali
12 November 2023SundayDiwali
13 November 2023MondayGovardhan Puja
14 November 2023TuesdayBhaiya 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.

FAQs

When is Diwali 2023 and what are the best days to shop online or offline?

When is Diwali 2023? A: Diwali 2023 is on Sunday, November 12, 2023. The best days to shop online or offline are the days leading up to Diwali, such as Dhanteras (November 10)

What are the best Diwali 2023 shopping offers?

Here are some of the best Diwali 2023 shopping offers:
Discounts on electronics: Many retailers offer discounts on electronics during Diwali, such as TVs, refrigerators, washing machines, and smartphones.
Discounts on clothing and accessories: Diwali is a time to dress up, so many retailers offer discounts on clothing and accessories, such as sarees, lehengas, kurtas, and jewelry.
Discounts on home decor: Diwali is a time to decorate your home, so many retailers offer discounts on home decor items, such as furniture, curtains, and carpets.
Discounts on travel: Diwali is a popular time to travel, so many airlines and hotels offer discounts on flights and accommodation.

Where can I find the best Diwali 2023 shopping offers?

You can find the best Diwali 2023 shopping offers at both online and offline retailers. Some of the most popular online retailers include: Amazon, Flipkart, Snapdeal, Myntra, Jabong.
Some of the most popular offline retailers include: Big Bazaar, Reliance Trends, Shoppers Stop, Lifestyle, Central.

What are the best Diwali 2023 credit cards?

Here are some of the best Diwali 2023 credit cards:
Amazon Pay ICICI Bank Credit Card: This card offers you 5% cashback on all Amazon purchases, as well as a number of other benefits, such as free Amazon Prime membership and discounts on Amazon Prime Video.
Paytm First Card: This card offers you a number of benefits, such as 5% cashback on Paytm Mall purchases, 1% cashback on all other purchases, and free access to the Paytm First lounge at airports.
Flipkart Pay Later: This card offers you the flexibility to shop now and pay later, with no interest for up to 90 days.
HDFC Bank Times Points Credit Card: This card offers you 5 reward points per Rs. 100 spent on all retail purchases. These reward points can be redeemed for a variety of rewards, such as cashback, travel vouchers, and gadgets.
SBI SimplyCLICK Credit Card: This card offers you 5% cashback on all online purchases, as well as a number of other benefits, such as free travel insurance and discounts on movie tickets.

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