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2 mins Read | 6 Months Ago

Best Shopping Credit Card - Eligibility, Benefits & How to Apply

Best Credit Card for Online Shopping


Exploring the benefits of online shopping requires not just good judgement but also the right financial tools. The Shopping Credit Card, crafted meticulously for the modern-day shopper, plays an important role here. Designed with online consumers in mind, these cards are more than just a payment method; they’re a passport to privileges. ICICI Bank offers some of the best Credit Cards for online shopping that reshape your experiences.

What is a Shopping Credit Card?

A Shopping Credit Card is specifically designed to cater to the needs of avid shoppers. Unlike a generic Credit Card, it's tailored to offer plenty of benefits, such as higher reward points, cashback and exclusive discounts, primarily on shopping transactions. These cards are designed to enhance the shopping experience, making every purchase more rewarding. Be it online e-commerce platforms or brick-and-mortar stores, using an online Shopping Credit Card can lead to significant savings over time. This type of card can be a financial advantage for those who frequently indulge in retail therapy or have regular shopping needs.

Types of Shopping Credit Cards

Shopping Credit Cards offer various benefits over and above regular discounts and promotional offers such as reward points, air miles, etc. Several Shopping Credit Cards are available for customers to use on specific platforms to maximise savings.

Amazon Pay ICICI Bank Credit Card

Experience the convenience of shopping with Amazon Pay ICICI Bank Credit Card. This card offers 5% cashback in the form of Amazon Pay balance to

Prime members and 3% cashback to Non-Prime members on purchases carried out on With no annual fee, the card enhances your overall online shopping experience.

  • Annual fee: Nil

  • Joining fee: Nil

  • Key benefit: Prime members enjoy 5% cashback on Amazon spends, making it ideal for frequent Amazon shoppers.

ICICI Bank Sapphiro Credit Card

Enjoy luxuries with ICICI Bank Sapphiro Credit Card. This card offers domestic and international airport lounge accesses, movie tickets and complimentary golf sessions. With an annual fee of Rs 3500 + GST, this Credit Card offers both luxury and affordability.

  • Annual fee: Rs 3,500 + GST

  • Joining fee: Rs 6,500 + GST

  • Key benefits: New cardholders receive multi-brand welcome vouchers worth Rs 9,000 and can also avail up to Rs 500 off on the 2nd movie ticket purchased through BookMyShow.

MakeMyTrip ICICI Bank Signature Credit Card

Tailor-made for avid travellers, MakeMyTrip ICICI Bank Signature Credit Card offers savings on vacations. With no annual fee, cardholders can enjoy perks such as 1,500 MyCash and a MakeMyTrip holiday voucher worth Rs 2,500.

  • Annual fee: Nil

  • Joining fee: Rs 2500 + GST

  • Key benefits: Cardholders receive 1,500 MyCash, a MakeMyTrip holiday voucher worth Rs 2,500 and an exclusive MMT BLACK membership.

ICICI Bank Emeralde Credit Card

Indulge in luxury and comfort with ICICI Bank Emeralde Credit Card. Get unlimited access to airport lounges, exclusive movie and event offers, golf sessions and more with this Credit Card.

  • Annual fee: Rs 12,000 + GST

  • Joining fee: Rs 12,000 + GST

  • Key benefits: Unlimited access to domestic and international airport lounges, zero cancellation charges on domestic travel and hotel bookings as well as complimentary golf sessions every month.

Shopping Credit Card Features and Benefits

Here’s what’s in store for you when you use ICICI Bank’s Shopping Credit Card:

  1. Robust rewards: Each purchase isn't just a transaction but an opportunity to earn. With generous reward points up for grabs, shopping becomes doubly rewarding.

  2. Tailored cashback: ICICI Bank's Shopping Credit Cards offer compelling cashback deals across numerous online platforms.

  3. EMI benefit: Spotted an expensive must-have? Divide its cost into feasible monthly instalments, without worrying about the financial impact.

  4. Security at its core: In the digital age, transactional security is vital. ICICI Bank provides a secure online shopping experience, giving you peace of mind with every purchase.

  5. Exclusive collaborations: With partnerships spanning leading e-commerce platforms, cardholders often find themselves receiving exclusive offers and discounts.

Shopping Credit Card Eligibility Criteria and Documentation

Acquiring an ICICI Bank Shopping Credit Card isn't just about having the buying power but ensuring you fit the Bank's eligibility criteria. 

Shopping credit cards may have slightly different criteria, here are the general guidelines:

  1. Age: Applicants generally need to be between 21 and 60 years old, though this can vary.

  2. Income: A stable income is essential. Depending on the card, ICICI Bank may have specific monthly or annual income requirements.

  3. Credit history: A good credit score speaks of financial responsibility and can smoothen the application process.

  4. Residential status: Both resident Indians and NRIs can apply with appropriate documentation.

Documentation required:

When you're ready to apply, keep the following documents handy:

  1. Proof of identity: PAN card, Aadhaar card or passport
  2. Proof of address: Recent utility bills, voter ID or driving licence
  3. Income proof: Latest salary slips or IT return documents
  4. Passport-size photographs.

Top 4 Shopping Credit Cards in India 2024

Here are some of the best online shopping credit cards along with their charges and key benefits

Credit Card

Annual Fee

Key Benefit

Amazon Pay ICICI Bank Credit Card


5% cashback on Amazon spends for Prime members

ICICI Bank Sapphiro Credit Card

Rs 3,500

Multi-brand welcome vouchers worth Rs 9,000 as joining benefits

MakeMyTrip ICICI Bank Signature Credit Card


Rs 1,500 My Cash, MakeMyTrip holiday voucher worth Rs 2,500, MMTBLACK Exclusive membership

ICICI Bank Emeralde Credit Card

Rs 12,000

Unlimited complimentary domestic and international airport lounge access

Please note that other charges might crop up such as cash advance fees, over-limit penalties or fees on international transactions. It is crucial to research the detailed terms and conditions or contact ICICI Bank representatives for any information on card fees.

How to apply for an ICICI Bank Shopping Credit Card?

The world of online shopping comes alive with added benefits when you have a dedicated Shopping Credit Card. ICICI Bank, with its suite of Shopping Credit Cards, brings this experience to your fingertips. Let’s get to know about the application process:

  1. Research first: Begin by visiting the official ICICI Bank website. Navigate to the Credit Card section and explore the range of best Credit Cards available for online shopping.

  2. Choose the card: Based on your shopping habits, select the card that meets your needs, whether it's the Amazon Pay ICICI Bank Credit Card for frequent Amazon shoppers or the ICICI Bank Sapphiro Credit Card for those who like a blend of travel and shopping.

  3. Apply online: Once you decide on a card, click the 'Apply Now' button. This will lead you to an online application form.

  4. Fill in details: Enter all necessary personal, professional and financial details. Make sure the information is accurate to avoid any issues.

  5. Documentation: Upload soft copies of required documents like proof of identity, address and income.

  6. Review and submit: Double-check all the details and then submit the application.

  7. Wait for approval: After submission, the Bank will review your application, which might include a background check. On approval, the Bank will get in touch to complete any remaining formalities.

  8. Card delivery: Once approved, you will receive the card at the address mentioned in your application. The delivery generally takes 7-10 working days.

Tips for a Smooth Application Experience

  • Keep documents handy: Before starting the online application, ensure all required documents are handy. This saves time and makes the process seamless.

  • Accuracy is key: When filling out details, ensure no errors. Even minor mistakes can lead to application rejection.

  • Credit score: A good credit score can accelerate the approval process. If possible, check your score before applying.

  • Stay updated: After the application process, you might receive e-mails or SMS notifications from ICICI Bank. Make sure to check them regularly and act accordingly.

Remember, the right Credit Card facilitates shopping and enhances the overall experience.

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