Diwali is not just the festival of lights; it’s also the biggest shopping season in India. From electronics and gadgets to fashion, home décor, and gifts, festive sales on Amazon, Flipkart, and other platforms bring irresistible discounts. But to make the most of these offers, choosing the best credit cards can help you save extra through cashback, reward points, and exclusive deals.
This year, several banks are offering special Diwali benefits on their cards. Among them, the SBI SimplyCLICK Credit Card, Axis Bank Flipkart Credit Card, IDFC FIRST Bank Credit Card, and SBI BPCL Credit Card stand out for their value-packed features. Each card caters to different shopping needs—whether you prefer Amazon, Flipkart, all-rounder benefits, or savings on fuel along with festive purchases.
In this blog, we’ll explore why these are some of the best credit cards for Diwali sales, their benefits, and how you can maximize your savings during the festive season.
Why Choose a Credit Card for Diwali Sale Shopping?
Diwali sales are the perfect time to shop for everything—from gadgets and appliances to clothing and festive gifts. While discounts are already attractive, using the best credit cards can make your shopping experience even more rewarding. Here’s why you should always consider a credit card during the festive season:
- Instant Discounts & Cashback – Leading platforms like Amazon and Flipkart partner with banks to offer exclusive credit card discounts. This means you can grab extra savings on top of ongoing festive deals.
- Reward Points for Festive Purchases – Every swipe earns you points, which can later be redeemed for vouchers, shopping, or even statement credit. During Diwali, these rewards accumulate faster due to high-value purchases.
- No-Cost EMI & Special Tie-ups – Big-ticket items like smartphones, TVs, or home appliances can be bought on no-cost EMI through credit cards. Many banks also have festive tie-ups with e-commerce giants, making it easier to shop without financial stress.
Related Article: How to Transfer Money from Paytm Wallet to Bank
SBI Simply CLICK Credit Card – Best for Online Shoppers
When it comes to online shopping, the SBI SimplyCLICK Credit Card is one of the best credit cards to have in your wallet. Designed specifically for digital buyers, this card offers unmatched rewards on popular e-commerce platforms, making it a perfect choice for Diwali sale shopping.
- Ideal For: Frequent online shoppers on Amazon, Myntra, Cleartrip, and other partner platforms.
- Key Benefits:
- 10X Reward Points on Amazon, Cleartrip, Apollo 24×7, BookMyShow, and other SimplyCLICK partners.5X Reward Points on all other online spends.Extra rewards during festive sales give you higher savings on big-ticket purchases.
- Affordable Annual Fee of ₹499, which can be waived off if your yearly spends cross ₹1 lakh.
- Best Use During Diwali: Ideal for buying electronics, clothing, home décor, and accessories online, especially during Amazon Great Indian Festival or Myntra’s Diwali special sale.
Axis Bank Flipkart Credit Card – Perfect for Flipkart Big Billion Days
If Flipkart and Myntra are your go-to shopping destinations, the Axis Bank Flipkart Credit Card is among the best credit cards to maximize festive season savings. With flat cashback offers and exclusive merchant tie-ups, it ensures you get the best value on every purchase during the Diwali sales.
- Ideal For: Shoppers who frequently buy from Flipkart, Myntra, and partner merchants.
- Key Benefits:
- 5% Cashback on Flipkart and Myntra, directly credited to your card statement.4% Cashback on preferred merchants like Swiggy, Uber, and Cure. fit.1.5% Cashback on all other spends, making it useful beyond Flipkart.
- Welcome Benefits worth ₹500+ (Flipkart vouchers on card activation).
- Best Use During Diwali: Perfect for grabbing deals on Flipkart Big Billion Days—whether you’re buying smartphones, laptops, home appliances, or festive fashion.
IDFC FIRST Bank Credit Card – Zero Fee, All-Rounder Card
If you are looking for a lifetime free card with no hidden costs, the IDFC FIRST Bank Credit Card is one of the best credit cards you can own for Diwali shopping. It’s designed for both online and offline spending, making it an excellent all-rounder during festive sales.
- Ideal For: Shoppers who use Amazon, Flipkart, and also prefer offline purchases.
- Key Benefits:
- Lifetime Free – No joining or annual fee, ever.
- Unlimited Rewards on every transaction, whether online or offline.
- Interest-Free Cash Withdrawal for up to 48 days, providing added financial flexibility.
- Attractive discounts on dining, travel, and entertainment.
- Best Use During Diwali: Ideal for shoppers who want to save across multiple platforms without worrying about fees—whether it’s buying festive outfits, home décor, or electronics from Amazon, Flipkart, or local stores.
SBI BPCL Credit Card – Extra Savings on Fuel & Festive Purchases
For those who travel frequently and also love festive shopping, the SBI BPCL Credit Card is one of the best credit cards that balances both needs. While it’s primarily a fuel card, it also offers rewards and discounts that come in handy during Diwali sales.
- Ideal For: People who spend regularly on fuel and want additional festive shopping benefits.
- Key Benefits:
- 4.25% Value Back on fuel purchases at BPCL petrol pumps, helping you save significantly on travel.
- Reward Points that can be redeemed for shopping vouchers, statement credit, or festive gifts.
- Discounts & Offers during partner sales, making it useful beyond fuel expenses.
- Affordable annual fee that can be waived with regular usage.
- Best Use During Diwali: Perfect for frequent travelers who also shop online—whether for electronics, appliances, or festive essentials—while enjoying added savings on fuel.
Comparison Table of Featured Credit Cards for Diwali Sale
| Credit Card | Best For | Key Benefits | Annual Fee | Festive Sale Advantage |
| SBI SimplyCLICK | Amazon & Online Shopping | 10X rewards on Amazon & partners | ₹499 | Extra rewards on e-commerce |
| Axis Flipkart | Flipkart & Myntra | 5% cashback, welcome vouchers | ₹500 | Big Billion Days discounts |
| IDFC FIRST | All-rounder | Lifetime free, unlimited rewards | ₹0 | No fee, flexible rewards |
| SBI BPCL | Fuel + Shopping | 4.25% fuel value back + shopping rewards | ₹499 | Saves on travel + festive spends |
How to Maximize These Cards During Diwali Sales
Owning the best credit cards is only half the game—knowing how to use them wisely during Diwali sales helps you unlock maximum savings. Here are some smart strategies to get the most out of your SBI SimplyCLICK, Axis Flipkart, IDFC FIRST, or SBI BPCL Credit Card this festive season:
- Combine Bank + Platform Offers – Don’t rely only on platform discounts. For example, during Flipkart Big Billion Days, using the Axis Bank Flipkart Credit Card can give you an extra 5% cashback on top of existing deals. Similarly, SBI and HDFC cards often have tie-ups with Amazon Great Indian Festival.
- Use EMI Smartly for Big-Ticket Purchases – Planning to buy a smartphone, laptop, or home appliance? Opt for no-cost EMI using your credit card. This allows you to spread payments without extra cost while still enjoying festive discounts.
- Track Special Festival Day Offers – Platforms like Amazon and Flipkart run limited-time lightning deals or bank-specific discount days. Using the right credit card on the right day can help you save thousands.
- Redeem Points for Vouchers or Discounts – Don’t let your reward points sit idle. Cards like SBI SimplyCLICK and SBI BPCL allow you to redeem points for Amazon/Flipkart vouchers, which you can use during Diwali sales for additional savings.
💡 Pro Tip: Always check the daily offer schedule on the Amazon and Flipkart apps during the festive season. Matching the right card with the right deal can easily double your Diwali savings.
Conclusion
Diwali is the perfect time to shop for gadgets, fashion, home décor, and festive gifts—and the right credit card can help you save big. In this guide, we explored the four best credit cards for Diwali shopping:
- SBI SimplyCLICK Credit Card – Perfect for Amazon and other e-commerce platforms.
- Axis Bank Flipkart Credit Card – Ideal for Flipkart Big Billion Days and Myntra deals.
- IDFC FIRST Bank Credit Card – A lifetime free, all-rounder card for everyday and festive shopping.
- SBI BPCL Credit Card – Best for fuel savings along with festive purchases.
Each of these cards caters to different needs, so the smart move is to choose based on your shopping style—whether you prefer Amazon, Flipkart, fuel savings, or an all-rounder option.
✨ Make your Diwali shopping smarter – choose the right credit card and enjoy maximum savings!
