Credit Card Offers 2026: Save Up to ₹49,250 on Shopping, Electronics and Travel This Festive Season

Credit Card Festive Offers 2026: Planning to buy a new smartphone, television, refrigerator or book a holiday during the festive season? Several leading Indian banks have introduced special credit card discounts that could help customers reduce their shopping expenses. HDFC Bank, ICICI Bank, SBI Card, Axis Bank and Kotak Mahindra Bank are offering promotional benefits across electronics, online shopping, travel bookings and selected EMI transactions.

According to an October 27 report based on information compiled by BankBazaar from bank and card issuer websites, some eligible purchases may qualify for discounts ranging from ₹1,250 to as much as ₹49,250, depending on the offer.

However, the highest advertised discount does not mean every cardholder will receive that amount. Savings depend on the card type, purchase value, participating merchant and applicable terms and conditions.

SBI Credit Card Offers: Discounts on Electronics and EMI Shopping

SBI Card customers can explore promotional discounts on selected electronic products and eligible EMI purchases.

Under one reported offer, customers purchasing eligible products from Bajaj Electronics may receive discounts of up to ₹16,000 when paying with qualifying SBI credit cards.

The offer could be useful for shoppers planning to purchase televisions, washing machines, refrigerators, smartphones and other household appliances, subject to product eligibility.

Another reported SBI Card promotion provides a 10% instant discount on eligible EMI purchases, with the maximum discount capped at ₹49,250 per card.

This maximum benefit is subject to the offer's transaction requirements and eligibility conditions. Customers should verify the applicable spending limits and discount calculations before making a purchase.

HDFC Bank Credit Card: Save Up to ₹15,000 at Vijay Sales

HDFC Bank is also participating in festive shopping promotions through its EasyEMI programme.

According to the reported offer, eligible HDFC Bank credit cardholders purchasing products from Vijay Sales may qualify for discounts of up to ₹15,000.

Vijay Sales sells a wide range of consumer electronics and home appliances, including laptops, mobile phones, televisions and kitchen equipment.

Customers considering a large electronics purchase may find such offers useful, particularly when the discounted product is already part of their shopping plans.

However, shoppers should confirm whether the discount is available only on selected products, specific EMI tenures or particular HDFC Bank credit card variants.

ICICI Bank Credit Card: Up to ₹12,500 Discount at Reliance Digital

ICICI Bank customers may also benefit from promotional offers on electronics purchases.

The reported festive deal provides discounts of up to ₹12,500 on qualifying credit card EMI transactions at Reliance Digital.

The offer applies to eligible purchases rather than every transaction made using an ICICI Bank credit card.

Customers should check the minimum transaction amount, eligible products and EMI conditions before proceeding with payment.

It is also important to compare the total cost of an EMI purchase with the regular upfront payment price.

Axis Bank Credit Card: Amazon Shopping Discounts

Axis Bank has introduced reported promotional benefits for customers shopping on Amazon.

Eligible non-EMI credit card purchases may qualify for discounts of up to ₹1,250.

Customers selecting qualifying EMI transactions may receive discounts of up to ₹1,750.

These benefits can be attractive for people purchasing electronics, fashion products, household essentials and other eligible items through the online marketplace.

However, the exact discount depends on the offer's terms, transaction value and eligible card category.

Customers should check whether a promotional discount is applied automatically at checkout or requires a specific payment option.

Kotak Mahindra Bank Credit Card: Travel Booking Discount Up to ₹20,000

Travellers planning a holiday may also find credit card promotions useful.

Kotak Mahindra Bank has reportedly introduced discounts of up to ₹20,000 on eligible MakeMyTrip bookings made using selected credit cards.

The promotion may help reduce travel expenses for qualifying bookings, although the exact eligible booking categories and conditions should be confirmed through the official offer page.

Travellers should compare the final booking amount with other available prices before using a credit card promotion.

A large advertised discount may not always represent the lowest overall travel cost.

Credit Card Festive Offers 2026: Bank-Wise Discount Comparison

These are advertised maximum benefits reported on October 27, 2026, not guaranteed savings. Offer validity, card eligibility and transaction conditions must be confirmed with the bank or merchant.

Important Things to Check Before Using Credit Card Discounts

Festive credit card promotions can help reduce purchase costs, but customers should carefully examine the conditions before completing a transaction.

Some discounts are available only after meeting a minimum spending requirement. Others may apply exclusively to selected credit cards or specific merchants.

EMI-based promotions require additional attention because processing fees, interest charges and applicable taxes can reduce the actual savings.

For example, a customer receiving a ₹2,000 instant discount may not save the full amount if the EMI arrangement includes significant additional charges.

Even so-called no-cost EMI offers should be checked for processing fees, GST on applicable charges and the way interest costs are adjusted.

Customers should also avoid spending beyond their repayment capacity simply to qualify for a promotional benefit.

Missing a credit card payment deadline can result in interest charges and late payment fees, potentially eliminating the value of the original discount.

Can Festive Credit Card Offers Really Help You Save Money?

BankBazaar CEO Adhil Shetty, cited in the original report, explained that festive credit card promotions can help lower shopping expenses, particularly when customers have already planned a significant purchase.

However, consumers should evaluate the conditions attached to each promotion rather than making a purchase solely because a large discount is advertised.

The most useful approach is to compare the final payable amount after considering all fees, taxes and financing costs.

A straightforward instant discount on a planned purchase may sometimes provide better value than a larger advertised EMI benefit with additional charges.

Final Update

Festive credit card offers in 2026 cover several popular spending categories, including electronics, online shopping and travel.

SBI Card's reported eligible EMI promotion advertises a maximum discount of ₹49,250, while Kotak Mahindra Bank's MakeMyTrip offer provides potential savings of up to ₹20,000. HDFC Bank, ICICI Bank and Axis Bank also feature promotional discounts through selected retail partners.

Before using any festive credit card offer, customers should confirm its validity, eligible card variants, minimum spending requirements and total repayment costs. Choosing an offer based on actual savings rather than the advertised maximum discount can help shoppers manage their festive budgets more effectively.