Best Shopping Credit Cards For August 2025 : Check Features, Charges And More

Choosing the best shopping credit card depends on your spending habits, preferred retailers, and whether you prioritize cash back, rewards points, or other perks like no annual fees. Based on the latest available data, here are some of the top shopping credit cards for August 2025, with a focus on those offering strong rewards for online and in-store purchases:

Top Shopping Credit Cards for August 2025

Amazon Pay ICICI Bank Credit Card (India)

Rewards:
- 5% cashback on Amazon.in for Amazon Prime members; 3% for non-Prime members.
- 2% cashback on payments at 100+ Amazon Pay partner merchants.
- 1% cashback on all other transactions.
Fees: No annual or joining fee (lifetime free).
Why It’s Great: Ideal for frequent Amazon shoppers, especially Prime members, with no annual fee and additional benefits like a 3-month Prime membership for non-Prime members upon joining. Cashback is credited directly to your Amazon Pay balance, making it seamless for regular Amazon users.
Best For: Online shoppers who frequently use Amazon and its partner merchants.

HDFC Bank Millennia Credit Card (India)

Rewards:
- 5% cashback on purchases from Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, and others (capped at ₹1,000 per statement cycle).
- 1% cashback on other spends, including EMI and wallet reloads.
Fees: ₹1,000 joining fee + GST; ₹1,000 annual fee (waived on ₹1 lakh annual spend).
Why It’s Great: Tailored for millennials who shop online across popular platforms. The card offers consistent rewards for dining, shopping, and entertainment, with no minimum transaction value for accelerated cashback.
Best For: Young shoppers who frequently use popular e-commerce and food delivery platforms.

SBI Cashback Credit Card (India)

Rewards:
- 5% cashback on all online spends (no merchant restrictions, capped at ₹5,000 per month).
- 1% cashback on offline transactions and bill payments.
Fees: ₹499 annual fee + GST (waived on ₹1.2 lakh annual spend).
Why It’s Great: Offers broad 5% cashback on all online purchases, making it versatile for any online shopping platform, not just specific merchants. It’s a straightforward option for maximizing savings on digital purchases.
Best For: General online shoppers looking for flexibility across all e-commerce platforms.

Flipkart Axis Bank Credit Card (India)

Rewards:
- 5% cashback on Flipkart and Myntra purchases.
- 4% cashback on Swiggy, PVR, cult.fit, and Uber.
- 1.5% cashback on all other spends.
Fees: ₹500 joining fee + GST; ₹500 annual fee (waived on ₹2 lakh annual spend).
Why It’s Great: Perfect for Flipkart loyalists, with strong rewards for shopping, dining, and entertainment. The card also offers milestone benefits like gift vouchers worth up to ₹20,000 annually.
Best For: Shoppers who primarily use Flipkart, Myntra, and partnered brands like Swiggy.

Wells Fargo Active Cash® Card (U.S.)

Rewards:
- 2% cash rewards on all purchases (no category restrictions or caps).
- $200 cash rewards bonus after spending $500 in the first 3 months.
Fees: No annual fee; 0% intro APR for 12 months on purchases and qualifying balance transfers, then 19.24%–29.24% variable APR.
Why It’s Great: A flat 2% cash back on all purchases makes this card a simple, no-fuss option for both online and in-store shopping. The introductory APR is a bonus for financing larger purchases without interest.
Best For: Shoppers who want a straightforward cashback card without tracking categories.

American Express Blue Cash Preferred® Card (U.S.)

Rewards:
- 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%).
- 6% cash back on select U.S. streaming subscriptions.
- 3% cash back at U.S. gas stations and on transit.
- 1% cash back on other purchases.
- $250 statement credit after spending $3,000 in the first 6 months.
Fees: $0 intro annual fee for the first year, then $95 annually.
Why It’s Great: High cashback rates for supermarket shopping and streaming make it excellent for everyday purchases. The welcome bonus adds significant value for new cardholders.
Best For: Shoppers who spend heavily on groceries and streaming services.

Bank of America® Customized Cash Rewards Credit Card (U.S.)

Rewards:
- 6% cash back in a chosen category (e.g., online shopping) for the first year, then 3% (up to $2,500 in combined choice category/grocery store/wholesale club purchases per quarter).
- 2% cash back at grocery stores and wholesale clubs.
- 1% cash back on all other purchases.
- $200 cash rewards bonus after spending $1,000 in the first 90 days.
Fees: No annual fee.
Why It’s Great: The ability to select online shopping as a bonus category makes this card highly customizable for e-commerce enthusiasts. No annual fee adds to its appeal.
Best For: Shoppers who want flexibility to earn high rewards on online purchases.

Target Circle™ Credit Card (U.S.)

Rewards:
- 5% discount on all Target purchases (in-store and online).
- Free two-day shipping on eligible Target.com items.
- 30-day extended return/exchange window.
Fees: No annual fee.
Why It’s Great: The immediate 5% discount at checkout is a unique perk, eliminating the need for reward redemption. It’s a strong choice for frequent Target shoppers.
Best For: Loyal Target customers who shop both in-store and online.

Key Considerations for Choosing a Shopping Credit Card

Spending Habits: If you shop at specific retailers (e.g., Amazon, Flipkart, Target), co-branded cards like the Amazon Pay ICICI or Target Circle Credit Card maximize rewards. For general online shopping, cards like the SBI Cashback or Bank of America Customized Cash Rewards offer flexibility.
Fees: Look for no or low annual fee cards (e.g., Wells Fargo Active Cash, Amazon Pay ICICI) to maximize savings, especially if you don’t spend enough to waive fees.
Rewards Structure: Flat-rate cards (e.g., Wells Fargo Active Cash) are simpler, while category-based cards (e.g., Amex Blue Cash Preferred, HDFC Millennia) offer higher rewards for specific purchases but may have caps.
Introductory Offers: Cards like the Wells Fargo Active Cash and Amex Blue Cash Preferred offer welcome bonuses that can boost initial savings.
APR: If you carry a balance, prioritize cards with 0% intro APR (e.g., Wells Fargo Active Cash) to avoid high interest rates.

Recommendations

For Online Shopping (India): The SBI Cashback Credit Card is the best all-around option due to its 5% cashback on all online spends without merchant restrictions. The Amazon Pay ICICI Bank Credit Card is ideal for Amazon loyalists.
For General Shopping (U.S.): The Wells Fargo Active Cash Card offers simplicity with 2% cash back on everything and no annual fee. The Bank of America Customized Cash Rewards Card is great for those who want to focus rewards on online shopping.
For Specific Retailers: The Target Circle Credit Card or Flipkart Axis Bank Credit Card are excellent for frequent shoppers at those stores.

Before applying, compare interest rates, fees, and reward caps to ensure the card aligns with your shopping habits. Always pay off your balance in full to avoid interest charges and maximize rewards. If you need more details or want to compare specific cards, let me know

Credit Card Comparison for Shopping

I’m assuming you meant “credit card comparison” based on your previous query about the best shopping credit cards for August 2025. Since you’ve asked for a comparison, I’ll provide a side-by-side analysis of some of the top shopping credit cards mentioned earlier, focusing on key features like rewards, fees, and suitability for shopping. I’ll include cards from both India and the U.S. to cover a broad range, as your location wasn’t specified. If you meant something else by “compeyar” or want a specific focus (e.g., a particular region, card type, or feature), please clarify, and I’ll tailor the response.

Credit Card Comparison for Shopping (August 2025)

Below is a comparison of four top shopping credit cards—two from India and two from the U.S.—selected for their strong rewards on online and retail purchases. These cards were highlighted in the previous response for their suitability for shopping. The comparison covers rewards, fees, introductory offers, APR, and best use case.

Feature	Amazon Pay ICICI Bank Credit Card (India)	SBI Cashback Credit Card (India)	Wells Fargo Active Cash® Card (U.S.)	Bank of America® Customized Cash Rewards (U.S.)
Rewards	– 5% cashback on Amazon.in (Prime members) – 3% cashback on Amazon.in (non-Prime) – 2% cashback at 100+ Amazon Pay partners – 1% cashback on other spends	– 5% cashback on all online spends (no merchant restrictions, capped at ₹5,000/month) – 1% cashback on offline spends and bill payments	– 2% cash rewards on all purchases (no caps)	– 6% cash back in a chosen category (e.g., online shopping) for the first year, then 3% (up to $2,500/quarter in choice category/grocery/wholesale club) – 2% at grocery stores/wholesale clubs – 1% on other purchases
Welcome Bonus	– 3-month Amazon Prime membership for non-Prime members (on joining)	– None	– $200 cash rewards after spending $500 in first 3 months	– $200 cash rewards after spending $1,000 in first 90 days
Annual Fee	– None (lifetime free)	– ₹499 + GST (waived on ₹1.2 lakh annual spend)	– None	– None
Intro APR	– Not applicable (pay in full to avoid high interest)	– Not applicable (pay in full to avoid high interest)	– 0% APR for 12 months on purchases and qualifying balance transfers, then 19.24%–29.24% variable APR	– 0% APR for 15 billing cycles on purchases and balance transfers, then 18.24%–28.24% variable APR
Ongoing APR	– 40%–45% (typical for India cards, exact rate varies)	– 40%–45% (typical for India cards, exact rate varies)	– 19.24%–29.24% variable APR	– 18.24%–28.24% variable APR
Other Fees	– No foreign transaction fees – Fuel surcharge waiver (1% up to ₹100/month)	– 3.5% foreign transaction fee – 1% fuel surcharge waiver (₹500–₹4,000/month)	– 3% foreign transaction fee – Balance transfer fee: 3% or $5 (min)	– 3% foreign transaction fee – Balance transfer fee: 3% or $10 (min)
Best For	– Frequent Amazon shoppers, especially Prime members	– General online shoppers wanting flexibility across platforms	– Shoppers seeking simple, flat-rate cash back for all purchases	– Shoppers who want high rewards on online shopping and flexibility to choose categories
Credit Score Needed	– Good to excellent (FICO 670–850 or equivalent)	– Good to excellent (FICO 670–850 or equivalent)	– Good to excellent (FICO 670–850)	– Good to excellent (FICO 670–850)
Additional Perks	– No-cost EMI options on Amazon – Easy reward redemption to Amazon Pay balance	– Milestone benefits (e.g., e-vouchers on high spends)	– Cell phone protection (up to $600/claim, $25 deductible) – Visa Signature benefits	– Choice of reward category – Bank of America Preferred Rewards program (boosts rewards by 25%–75% for eligible clients)

Analysis and Recommendations

Amazon Pay ICICI Bank Credit Card: Best for Amazon loyalists, especially Prime members, due to its high 5% cashback on Amazon.in and no annual fee. It’s less versatile for other online shopping but offers seamless integration with Amazon Pay. Ideal if most of your shopping is on Amazon and you pay your balance in full to avoid high APR.
SBI Cashback Credit Card: The top pick for flexible online shopping in India, with 5% cashback on all online spends (not tied to specific merchants). The ₹5,000 monthly cap allows up to ₹1 lakh in online spends to maximize rewards. The low annual fee (waivable) makes it cost-effective, but foreign transaction fees are high, so it’s less ideal for international purchases.
Wells Fargo Active Cash Card: Perfect for U.S. shoppers who want simplicity with 2% cash back on everything, no annual fee, and a 0% intro APR for 12 months. It’s great for both online and in-store purchases without tracking categories, but foreign transaction fees make it less suitable for international shopping.
Bank of America Customized Cash Rewards: Ideal for U.S. shoppers who spend heavily online and want to customize their rewards category (6% cash back on online shopping for the first year, then 3%). The no-annual-fee structure and 15-month 0% intro APR make it attractive for financing purchases, but the quarterly cap limits high spenders.

How to Choose

Match Your Spending: If you shop primarily on Amazon, go for the Amazon Pay ICICI card. For broader online shopping, the SBI Cashback or Bank of America card is better. For all-purpose spending, the Wells Fargo card’s flat 2% is simplest.
Consider Fees: All cards have no or low annual fees, but check foreign transaction fees if you shop internationally. The Amazon Pay ICICI card stands out with no foreign transaction fees.
Introductory Offers: The U.S. cards offer cash bonuses ($200) and 0% intro APR, which are great for new purchases or balance transfers. Indian cards lack intro APR but offer other perks like Prime memberships or fuel waivers.
Credit Score: All require good to excellent credit (FICO 670–850 or equivalent). Check your score before applying to ensure eligibility.
Pay in Full: High APRs (especially on Indian cards, 40%–45%) mean you should pay your balance in full monthly to avoid interest charges.

Tips for Comparing Credit Cards

Use Online Tools: Websites like NerdWallet, WalletHub, or Paisabazaar allow side-by-side comparisons of rewards, fees, and APRs.
Check Eligibility: Ensure your credit score aligns with the card’s requirements to avoid rejections.
Evaluate Rewards vs. Costs: Compare the value of rewards (e.g., cashback percentage) against annual fees and interest rates. For example, the SBI Cashback card’s 5% online cashback can yield ₹5,000 monthly, easily offsetting its ₹499 fee if you spend ₹1 lakh online.
Look Beyond Rewards: Consider perks like lounge access, EMI options, or purchase protection, especially for frequent shoppers.

If you have specific preferences (e.g., travel rewards, no foreign transaction fees, or a particular retailer), let me know, and I can refine the comparison or suggest other cards. For more details, you can explore comparison tools at: