| Overview: Celebrate Diwali with unmatched credit card offers across top banks. Enjoy cashback, discounts, and exclusive rewards on shopping, dining, travel, and more. Maximise your festive spending while saving smartly with the best Diwali credit card offers available this season. |
Unlock Festive Deals: Credit Card Offers Lighting Up This Diwali
With consumer spending rising nearly 30% during Diwali, as per the Retailers Association of India, financial institutions roll out exciting credit card deals to tap into this surge. From e-commerce discounts to cashback on groceries, credit card Diwali offers are designed to ease your festive expenses while delivering great value.
Major banks have partnered with top brands and online platforms to offer festive-specific deals and limited-period rewards, making it the perfect time to leverage your credit card wisely.
The Best Diwali Credit Card Offers in India
This festive season, top banks are offering irresistible credit card deals to help you shop, save, and celebrate more than ever before.
1. HDFC Bank Festive Treats
HDFC’s annual “Festive Treats” campaign features:
- Up to 10% cashback on Flipkart, Amazon, and Big Bazaar
- EMI offers at 0% interest
- Instant discounts on electronics, home appliances, and apparel
| Fact to Know: HDFC credit card users can get exclusive early access to Big Billion Days and Great Indian Festival deals. |
2. SBI Card Diwali Dhamaka
SBI Card rolls out seasonal offers including:
- 5-10% instant discount on Amazon and Flipkart
- Special tie-ups with brands like Croma, Pantaloons, and MakeMyTrip
- Reward accelerators for spends in shopping categories
3. ICICI Bank Credit Card Diwali Offers
ICICI offers:
- 10% instant discount on Amazon and Myntra
- PayLater EMI schemes on online and offline purchases
- Festive rewards under the “ICICI Rewards Festival”
| Mistakes to Avoid: Don’t exceed your credit limit chasing offers; it may impact your credit score. |
4. Axis Bank Credit Cards (incl. Airtel Axis Bank Credit Card)
Axis Bank credit cards are offering:
- 10% cashback on Swiggy, Zomato, BigBasket
- 1% fuel surcharge waiver
- Airport lounge access and festive EMI options
While all Axis cards are rewarding, the Airtel Axis Bank Credit Card gives:
- Up to 25% cashback on Airtel services
- ₹500 joining fee with benefits worth more
- Annual fee waiver with ₹2L annual spend
5. Amazon Pay ICICI Credit Card
Perfect for online shoppers who love the convenience and savings of Amazon during Diwali.
- Unlimited 5% back for Prime members on Amazon
- 3% back for non-Prime
- No annual fee
Understand reward point redemption to make the most of your Amazon cashback.
6. Flipkart Axis Bank Credit Card
Ideal for shoppers who rely on Flipkart and its partner brands for Diwali purchases.
- 5% cashback on Flipkart, 4% on preferred partners
- 5% on all other spending
- Welcome benefit of ₹500 Flipkart voucher
| Important to Know: Cashback is auto-credited to the account, making it simple and seamless. |
Comparison Table—Top Credit Card Diwali Offers
Looking to pick the right card this Diwali? Here’s a quick comparison of the most rewarding Diwali credit card offers available across top issuers.
| Credit Card | Best Festive Benefit | Annual Fee | Special Offers |
| HDFC Bank Credit Card | 10% cashback on major platforms | ₹500-₹1000 | EMI offers, reward points |
| SBI Card | Discounts on Amazon/Flipkart | ₹499-₹1499 | Rewards, brand partnerships |
| ICICI Bank Credit Card | Discounts on Amazon, Myntra | ₹500 onwards | PayLater, reward boosts |
| Airtel Axis Bank Credit Card | Up to 25% cashback on Airtel services | ₹500 | Utility cashback, lounge access |
| Amazon Pay ICICI Credit Card | 5% back for Prime users | Nil | Instant cashback on Amazon |
| Flipkart Axis Bank Credit Card | 5% on Flipkart, 4% on preferred partners | ₹500 | Welcome bonus, broad category coverage |
How To Choose The Right Credit Card This Diwali
Consider these key factors:
- Shopping patterns: Choose cards tied to your preferred platforms (e.g., Amazon or Flipkart)
- Annual fee vs benefits: Ensure rewards outweigh the cost
- Cashback vs Reward Points: Some users may prefer direct cashback
- Redemption flexibility: Ensure benefits are easy to access and redeem
Wrap Up the Festivities with Smarter Credit Card Choices
The festive season brings a golden opportunity to stretch your budget with the right credit card. From cashback to rewards, the Diwali credit card offers scene is packed with compelling deals that can significantly reduce your expenses. Choosing wisely based on your spending habits can enhance your festive joy while keeping your finances in check.
From the above options mentioned, the Airtel Axis Bank Credit Card outshines due to its generous cashback on essential spending and added perks like lounge access and utility discounts, especially during Diwali.
FAQs
1. Are Diwali credit card offers available on all cards?
No, offers vary by card issuer and platform. Always check participating banks and eligible cards before making festive purchases.
2. Do I need to activate Diwali offers?
Some offers require activation via bank apps or SMS. Always read the offer terms to ensure successful reward eligibility.
3. Can I combine Diwali credit card offers with other discounts?
Yes, most platforms allow combining card offers with platform deals for extra savings. Check the stacking rules before checkout.
4. What if my credit card is lost during Diwali shopping?
Block your card immediately via the app or customer support and request a replacement to prevent misuse.
5. How can I maximise credit card benefits during Diwali?
Shop on peak sale days, use partner platforms, opt for cashback cards, and convert large spends into no-cost EMIs.
