New GST Rate: Top 5 Credit Cards That Can Save You Thousands on ACs, TVs & More in 2025
- madda anusha
- 3 days ago
- 6 min read
Introduction: Why GST Rate Cut + Right Credit Card = Bigger Savings
The recent reduction in GST rates for large household appliances such as Air Conditioners, Televisions, Refrigerators, and Dishwashers has rendered significant purchases more economical. However, there is a key insight – by pairing the reduced GST rate with an appropriate credit card, you can achieve even greater savings through cashback, rewards, and immediate discounts.
In this blog, we will examine the Top 5 Credit Cards in India (2025) that can assist you in saving more while purchasing your next appliance, whether it be a 4K Smart TV, an energy-efficient AC, or a contemporary dishwasher.
Why Credit Cards Are Key After New GST Rate Cut
Additional Cashback and Discounts – The majority of e-commerce platforms provide an immediate 10% discount on certain credit cards.
Loyalty Points – Accumulate points that can be exchanged for vouchers, future transactions, or credit on your statement.
EMI Alternatives – Transform significant purchases into manageable monthly payments with minimal or no interest.
Cumulative Offers – Merge GST savings, festive sale promotions, and card discounts to enhance overall value.
Example: If the GST cut reduces an AC’s price from ₹40,000 to ₹38,000, and you use a card offering a 10% instant discount, you save another ₹3,800. Net effective price = ₹34,200.
Top 5 Credit Cards To Maximize Savings After GST Rate Cut
Let us explore the comprehensive evaluations of the top credit cards designed for appliance purchases.
1. Amazon Pay ICICI Credit Card
Key Features
Welcome benefit: Rs 600 Amazon gift card for non-Prime applications, and Rs 750 Amazon gift card for Prime members.
Lifetime Free Credit Card – No initiation or annual fees.
Cashback Structure:
1. 5% cashback on Amazon purchases for Prime members.
2. 3% cashback for non-Prime members.
3. 2% cashback on Amazon partner merchants.
4. 1% cashback on all other expenditures.
EMI Flexibility – No-cost EMI options available on Amazon.
Fuel Surcharge Waiver – 1% waiver on fuel transactions.
Why It’s Optimal for Appliance Shopping
When purchasing appliances such as ACs, Smart TVs, or Refrigerators from Amazon during promotional events, Prime members can receive up to 5% cashback.
Amazon frequently offers exclusive credit card promotions on the ICICI Amazon Pay Card, allowing for the possibility of receiving both cashback and sale prices.
Example: Purchasing a ₹50,000 AC on Amazon as a Prime member results in ₹2,500 cashback.
Before shopping for big-ticket items like ACs or TVs after the New GST Rate cut, do a quick credit card comparison to find which one offers the best cashback.”
2. SBI Flipkart Credit Card
Key Features
Welcome Benefits: (a) An INR 250 Flipkart Gift Card will be gifted to the cardholder on payment of the joining fee, (b) Flipkart and Cleartrip e-gift cards worth INR 500 each on the cardholder's first transaction on Flipkart within 30 days of card approval for applications made through the Flipkart App.
Cashback Structure:
1. 5% Cashback on Flipkart (quarterly cashback limit of INR 4,000).
2. 5% cashback on Cleartrip (quarterly cashback limit of INR 4,000).
3. 7.5% Cashback on Myntra (quarterly cashback limit of INR 4,000).
4. 4%Cashback on Uber, Zomato, Netmeds, PVR
5. 1% uncapped cashback on all other spends, excluding some.
Fuel Surcharge Waiver – 1% waiver on fuel spends.
Annual Fee – ₹500 + GST (waived on ₹2 lakh annual spend).
Why It’s Best For Appliance Shopping
During Flipkart’s Big Billion Days or Electronics Sale, you can save 5% cashback on top of discounted appliance prices.
Unlike capped cashback cards, this card gives you uncapped rewards on Flipkart purchases.
Example: Buying a ₹60,000 Television on Flipkart = ₹3,000 cashback.
3. Flipkart Axis Bank Credit Card
Key Features
Welcome Benefit: Users will get Rs 600 worth of card activation benefits. Along with that, customers can also get Rs 500 worth of Flipkart vouchers on their first transaction, and 50% off up to Rs 100 on 1st order on Swiggy.
Cashback Structure:
1. 5% cashback on purchases made at Flipkart & Myntra.
2. 4% cashback with selected partners (MakeMyTrip, Uber, PVR, etc.).
3. 1.5% cashback on all other expenditures.
Lounge Access – 4 complimentary visits annually.
Annual Fee – ₹500 + GST.
Why It’s Best For Appliance Shopping
Ideal for loyal Flipkart customers seeking direct cashback without the need for points or vouchers.
Performs exceptionally well during festive season promotions + GST reduction discounts.
Example: Purchasing a ₹45,000 Dishwasher = ₹2,250 cashback credited instantly.
Foodies benefit too—many of these cards act as a Swiggy Zomato discount finder, letting you enjoy cashback on food delivery, along with savings on electronics under the New GST Rate.
4. Tata Neu Infinity HDFC Bank Credit Card
Key Features
Welcome Benefit: Users will get 499 NeuCoins on the Tata Neu app on 1st transaction done within 30 days of card issuance, and will be available to claim inside the Tata Neu App within 60 days of such transaction.
Reward Structure:
1. 5% NeuCoins on purchases from Tata Neu & Tata partner brands.
2. 1.5% NeuCoins on all other expenditures.
3. For every Rs. 100 spent, users will get 1NeuCoin. 1 NeuCoin = ₹1, redeemable on the Tata Neu app.
4. The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions.
Annual Fee – ₹1,499 plus GST (waived for an annual spend of ₹3 lakh).
Why It’s Best For Appliance Shopping
Perfect for purchasing appliances from Croma, TataCliq, or Tata Neu – all affiliated Tata platforms.
NeuCoins can be utilized for future purchases such as groceries, fashion items, travel reservations, and bill payments.
Example: Purchasing a ₹70,000 Smart TV from Croma earns you ₹3,500 in NeuCoins.
Entertainment lovers can treat their cards as a movie discount finder, with offers on BookMyShow or PayTM Movies in addition to GST-related savings.”
5. Tata Neu Infinity SBI Credit Card
Key Features
Same Reward Structure as Tata Neu HDFC card.
Rewards:
1. 5% NeuCoins on Tata Neu & Tata partners.
2. 1.5% NeuCoins on other expenditures.
3. Annual Fee – ₹1,499 + GST.
4. Fuel Benefits – 1% waiver on fuel surcharge.
Why It’s Ideal for Appliance Shopping
Excellent for users within the Tata ecosystem who favor an SBI banking relationship over HDFC.
NeuCoins can be redeemed on Tata Neu for future purchases of gadgets or appliances.
Example: Purchasing a ₹80,000 Refrigerator = ₹4,000 NeuCoins credited.
Beyond appliances, some of these cards also double up as an airline discount finder, giving you flight ticket cashback while you save on GST shopping.”
Side-By-Side Comparison of Top 5 Cards
Credit Card | Best For | Rewards Rate | Annual Fee | Example Savings (₹50k Appliance) |
Amazon Pay ICICI Card | Amazon loyalists | 5% (Prime) / 3% (Non-Prime) | Free for life | ₹2,500 cashback |
SBI Flipkart Credit Card | Flipkart + partner spends | 5% on Flipkart, 4% partners | ₹500 + GST | ₹3,000 cashback |
Flipkart Axis Bank Credit Card | Flat cashback lovers | 5% Flipkart, 4% partners, 1.5% others | ₹500 + GST | ₹2,250 cashback |
Tata Neu Infinity HDFC Credit Card | Tata ecosystem + Croma | 5% NeuCoins, 1.5% others | ₹1,499 + GST | ₹3,500 NeuCoins |
Tata Neu Infinity SBI Credit Card | Tata ecosystem (SBI users) | 5% NeuCoins, 1.5% others | ₹1,499 + GST | ₹4,000 NeuCoins |
How to Optimize Savings with These Cards
Explore Bank Partner Offers – The festive season frequently provides 10% instant bank discounts (which can be combined with cashback).
Utilize EMI Plans – Transform high-value appliance purchases into no-cost EMIs without incurring additional interest.
Combine with GST Reduction – Reduced product base price + card cashback = maximum advantage.
Shop During Major Sales – Flipkart BBD, Amazon Great Indian Festival, Tata Neu Festive Offers = optimal time for purchasing appliances.
Think of the right credit card as your ultimate discount finder, ensuring you save extra on appliances, groceries, and online shopping after the New GST Rate cut.
FAQs
Which credit card is the most advantageous for purchasing appliances after the GST reduction?
If your shopping is primarily on Amazon, consider the Amazon Pay ICICI Credit Card. For Flipkart, opt for the SBI Flipkart or Axis Bank Flipkart Card. If you prefer Croma or Tata Cliq, the Tata Neu Infinity HDFC or SBI Card is the most suitable option.
Are these cards beneficial for EMI purchases?
Indeed, all five cards offer no-cost EMI options on prominent e-commerce platforms such as Amazon, Flipkart, and TataCliq.
Can NeuCoins be used for appliance purchases?
Yes, NeuCoins are valued at ₹1 and can be redeemed on the Tata Neu app for appliances, gadgets, and more.
Which card is free for life?
The Amazon Pay ICICI Credit Card is a Lifetime Free card, making it one of the most advantageous no-cost cards for shopping.
Final Verdict
The new GST rate cut has made big-ticket items like Air Conditioners, Televisions, Refrigerators, and Dishwashers more affordable. But to truly maximize your savings, pairing it with the right credit card is essential.
For Amazon loyalists → Choose Amazon Pay ICICI Credit Card.
For Flipkart buyers → Go with SBI Flipkart or Flipkart Axis Bank Credit Card.
For Tata ecosystem users (Croma, TataCliq, BigBasket) → Pick Tata Neu Infinity HDFC or SBI Credit Card.
Whichever card you choose, the formula is simple: GST Cut + Festive Discounts + Credit Card Cashback = Maximum Savings!
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