Online shopping, travel, dining: Best credit cards for millennials

Credit Cards are a new-age financial tool used by many people, especially millennials to manage their spending. The Millennials are people who have distinguished spending patterns. These people would like to do lots of online shopping, order food online, dine out & travel enthusiastically to places often a month.

Before opting for credit cards, millennials should check the available options in the market to find the best card that fits their spending style with some fruitful rewards that can be earned from their favorite spending.

In India, many leading banks and NBFCs offer credit cards with Rewards & discounts on shopping, dining, and travel benefits. Read on to pick out the best-suited credit card with lots of exclusive & effective reward points to cater to your diversified needs like shopping, dining, and travel.

What are the 5 Best Credit Cards For Millennials?

The following are the 5 Best Credit Cards For Millennials:

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card is best suited for getting cashback, especially for people who shop often with Flipkart. The card offers a flat 1.5% cashback on all spending. You earn an additional 5% cashback on Flipkart & Myntra and 4% on Flipkart’s associate merchants such as Cure. fit, Swiggy, PVR, & Uber.

The best benefit of using the Flipkart Axis card is that the collection of partner merchants of Flipkart is reasonable and allows you to save lots of cash on fashion (Myntra), fitness(Cure. fit), travel (Uber), movies (PVR), and shopping(Flipkart). So, this would be a perfect fit for a person who seeks benefits across different categories.

Highlights of Flipkart Axis Bank Credit Card

  • The Flipkart Axis credit card offers Rs. 2,900 worth of joining & card activation privileges from Flipkart, Myntra, and Swiggy.
  • You can earn 5% cashback on online shopping hubs like Flipkart, and Myntra.
  • You can get 1.5% cashback on other categories.
  • You can get 4% cashback on the fitness & healthcare app Cure. fit, food delivery service Swiggy, PVR cinemas, and mobility service Uber.
  • Get a 1% fuel surcharge waiver for spending worth Rs. 400 – Rs. 4,000.
  • You can get a 20% discount at 4,000+ partner restaurants such as KFC TGIF, Berco’s, etc.
  • The cardholders are eligible for Four complimentary domestic lounge visits each year.

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Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart card is designed to cater to the needs of shopaholic people. Also, the card is beneficial for dining, movies, and grocery purchases as it offers discounts with popular brands such as Myntra, Ola, Blinkit, INOX, Zomato, & Yatra. Check out the key features of the SCB DigiSmart credit card.

Highlights of Standard Chartered DigiSmart Credit Card:

  • With a DigiSmart credit card, You can enjoy the Buy Now Get One offer on movie tickets at INOX.
  • You can get 20% off on the shopping brand Myntra.
  • Get a 10% discount on Zomato with a discount of Rs.150.
  • It offers up to 25% off on the Yatra travel booking app which would be more beneficial for travel enthusiasts. Also, get 15% cashback on the Ola app with a maximum cashback of Rs.600.
  • Enjoy 10% off on grocery shopping from Blinkit.

HDFC Millenia Credit Card:

Are you an extensively shopping enthusiast who never misses any new deals & trends? Then, go for the HDFC Millenia Credit Card designed to cater to shopping needs with rewards for each spending.

The HDFC Millenia Credit Card provides you with 5 % cashback on brands like Amazon, Flipkart, Myntra, etc. the annual fee is Rs.1000, which may be a bit expensive for your pocket. Compared with the benefits offered by the card, the annual fee is justified if you are a shopaholic who shops often.

Highlights of HDFC Millennia Credit Card:

  • You can earn 1,000 reward points on payment of the membership fee
  • You will get Rs. 1,000 gift vouchers on spending at least Rs. one lakh in each calendar quarter.
  • Get 5% Cashback on Shopping made through Amazon and Flipkart. Also, book Flight & hotels via  SmartBuy.
  • Additionally, get 2.5 percent cash back on all purchases made online.
  • Get 1% cashback on all spending done offline & Wallet reloads.
  •  Enjoy eight complimentary domestic lounge access per calendar year.

HDFC Diners Club Privilege Credit Card:

The next on the list is also from the lending lender HDFC bank. The HDFC Diners Club Privilege Credit Card will provide you with complimentary membership of Amazon Prime, Zomato Pro, Times Prime & more for a year.

You can earn four reward points for every swipe worth Rs. 150 &  2X reward points on dining during the weekend. Also, get up to 10x reward points on spending made SmartBuy. The cardholders can enjoy 12 airport lounge access in India & across the globe. The annual fee is Rs 2,500.

Amazon Pay ICICI Credit Card:

In India, the Amazon Pay ICICI Card is one of the best online shopping credit cards. If you use the Amazon Pay ICICI card to shop on the Amazon app, you will receive high-value rewards. This card makes more sense if you are an enthusiastic Amazon shopper.

Highlights of Amazon Pay ICICI Credit Card

  • The cardholders will get a Lifetime Free Amazon Pay ICICI Credit Card.
  • The PRIME customers will get  5% cashback  while shopping  at Amazon
  • The customer who is not a member of PRIME will earn 3% cashback for the spending made on Amazon.
  • The customer will earn 2% cashback on 100+ associate merchants of Amazon.
  • Get 1% cashback on all other transactions.
  • You can get a 15 percent discount while dining in partner restaurants of ICICI Credit Card.
  • Get a 1% fuel surcharge waiver while refilling fuel at all petrol pumps.


Probably, the above set of Credit cards would best suit the spending styles of the millennials & also aid in earning valuable rewards from their favorite spending categories. Ensure a disciplined approach while using these credit cards as it depicts your credit behavior.

Use it wisely & responsibly to maintain your credit score. Since credit cards provide a significant amount of interest-free period, there may be chances for you to overspend on various categories such as shopping, traveling, dining, and more. Ensure not to overspend to gain bonus rewards points and waive off annual renewal fees.

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