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5 Best Credit Cards for Diwali Shopping

Diwali Shopping

Diwali is celebrated across the world with lot of fun and enthusiasm. Diwali is time to celebrate victory of good over bad. As Diwali is nearby you must be busy in doing Diwali Shopping.

Most of the people follow the tradition of exchanging gift in the Diwali. Be it Mobile phone, cloths or accessories everything is purchased during Diwali Shopping. If you planning for Diwali shopping, but don’t know which credit card is best for Diwali Shopping here is list of 5 Best Credit Cards. These credit cards will surely help you in saving money while doing Diwali or any other festival shopping.

Also Read – Best Cashback Credit Cards with Best Cashback Offers

5 Best Credit Cards for Diwali Shopping

SimplyCLICK SBI Card

SBI SimplyCLICK is one of the best credit card for the Diwali shopping. The key features and prospects of this card are given below.

  • Amazon.in gift card of ₹500 on joining
  • 5X rewards on every online shopping
  • 10X rewards on online spends at exclusive partners -Amazon/BookMyShow/Lenskart/ Foodpanda/UrbanClap/Cleartrip
  • E-vouchers worth 2,000 on achieving an annual spend of ₹1 lakh and ₹2 lakh each
  • 1% fuel surcharge waiver on transactions worth ₹500-3,000.
  • Annual fee of ₹499 gets reversed on spending ₹1 lakh a year.

Why SimplyCLICK SBI Card is best for Diwali Shopping?

SBI SimplyCLICK is one of the best card for Diwali shopping. It gives 5x and 10x rewards for spending online. This reward points can be redeemed at later stage. Additionally, this card has tie up with exclusive partners so chance of earning rewards and cashback is high.


  • Annual Fee – ₹499
  • Renewal Fee – ₹499
  • Interest – 3.35% per month

SimplySave SBI Card

SBI SimplySave is next best credit card for the Diwali Shopping. This card multiple benefits. The key features of SimplySave SBI Card is given below.

  • 10x reward points per ₹100 spent on grocery at departmental stores.
  • All other spends earn 1 Reward point per ₹100 spent.
  • If annual spend is above 1 Lakh your annual membership fee will be reversed.
  • You can get 1% fuel surcharge waiver for transaction ₹500-3,000.

Why SimplySave SBI Card is best for Diwali Shopping?

SBI SimplySAVE is classified as Diwali Shopping card as it offers 10x reward points for grocery and departmental store spent. At the time of festival, it is expected that grocery and departmental spent increases. This card will help in increasing reward while doing shopping.


  • Annual Fee – ₹499
  • Renewal Fee – ₹499
  • Interest – 2.50% per month

HDFC Freedom Card

HDFC Freedom is next in the list of best shopping credit card. As the name suggests, this card gives sense of freedom in terms of usage. The key benefits and features of this card is given below.

  • Earn 10X reward points on PayZapp & SmartBUY spends.
  • Earn 5X reward points on Movies/Dining/Groceries/Railways.
  • Redeem rewards with exclusive gift.

Why HDFC Freedom Card is suitable for Diwali Shopping?

Similar to above cards, HDFC freedom card also offers multiple reward point benefits on online shopping, grocery as well as travel. One can go for this card for exploring multiple benefits.


  • Annual Fee – ₹500
  • Renewal Fee – ₹500

HDFC MoneyBack Credit Card

If you are looking for money back facility, instead of reward points and gift you can go for HDFC MoneyBack Credit Card. The prime benefits of this card is given below.

  • 2x Rewards Points on ₹150 spent. 2x Reward Points on online shopping.
  • Facility to redeem reward points with cashback.
  • Avail Gift voucher of ₹ 500 every quarter by doing shopping of ₹50000.
  • 100% more Reward Points on all online shopping.


  • Annual Fee – ₹500
  • Renewal Fee – ₹500

ICICI Platinum Chip Card

ICICI Platinum Chip Card is next in the list of Best Credit card for Diwali Shopping. The key features and benefits of this card is given below.

  • 2 payback points on every ₹100 spend for all retail purchase.
  • This card also offers 15% saving on your dining bill at participating restaurants.
  • You can get 1% fuel surcharge waiver up to ₹4000.


  • Annual Fee – ₹199
  • Renewal Fee – ₹99
  • Interest – 3.40% per month

Diwali Shopping Tips

To avail extra discount or to save more money while doing Diwali Shopping, you can follow tips given below.

  • Make a list of product that you want to buy to avoid impulsive buying.
  • Go for online shopping. You can save lot of money while doing online shopping.
  • If online shopping site is offering option of coupon, do search for coupon code for extra discount.
  • Make comparison of special deals available on the similar sites. If required set the alerts.
  • Maximum cashback and discount offers.
  • Check if usage of wallet or credit card gives you more benefits on specific products.
  • Check for product review.
  • First time buyers usually get good discount. So, it is good idea to use incognito mode while doing online shopping.

Ensure that you find best deal for the product you are buying during Diwali shopping. At last, I would like to wish that festival of light will spread lot of joy and happiness in your life.

Happy Diwali!

Shitanshu Kapadia
Shitanshu Kapadia
Hi, I am Shitanshu founder of moneyexcel.com. I am engaged in blogging & Digital Marketing for 10 years. The purpose of this blog is to share my experience, knowledge and help people in managing money. Please note that the views expressed on this Blog are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment , tax, financial advice or legal opinion. Please consult a qualified financial planner and do your own due diligence before making any investment decision.