Diwali 2025: Banks Light the Way with Loan Discounts and Shopping Rewards

Image Source: Times of India

Banks across India are celebrating Diwali 2025 with cashback offers, discounted loan rates, and festive EMI plans. HDFC, SBI, ICICI, and Axis Bank lead the charge, aiming to boost consumer spending and credit growth. These festive campaigns blend tradition with financial incentives, lighting up wallets and retail sentiment.

India’s banking sector is embracing the festive spirit with a flurry of Diwali 2025 offers, ranging from cashback deals and discounted loan rates to zero foreclosure charges and no-cost EMIs. As consumer demand surges during the holiday season, banks are rolling out aggressive campaigns to capture retail spending and boost credit growth.

Festive Offers Across Leading Banks

HDFC Bank’s Festive Treats

Over 10,000 offers across credit cards, loans, and merchant tie-ups.
Up to 10% cashback on purchases from Amazon, Flipkart, Big Bazaar, and Swiggy.
No-cost EMIs on electronics and home appliances.
Special discounts on Air India bookings—₹400 off domestic and up to ₹6,000 off international flights.

SBI Card’s Khushiyan Unlimited Campaign

Instant discounts of 5–10% on e-commerce and lifestyle purchases.
Additional reward points on select categories.
EMI options on big-ticket items like smartphones and appliances.

ICICI Bank & Axis Bank

ICICI’s Festive Bonanza includes exclusive deals on personal loans and credit cards.
Axis Bank offers zero processing fees and discounted interest rates on personal and home loans.

BOB & AU Small Finance Bank

Bank of Baroda’s credit card users enjoy cashback on fashion and grocery spends.
AU Small Finance Bank provides flexible EMI plans and rate cuts on festive loans.

Why It Matters

Boosting Consumer Sentiment

These offers are designed to stimulate festive spending, especially in Tier 2 and Tier 3 cities.
With inflation easing and disposable incomes rising, banks are leveraging Diwali to expand their retail loan books.

Digital Push

Most offers are integrated with UPI, mobile banking apps, and e-commerce platforms, making festive shopping seamless and rewarding.

Competitive Edge

Banks are using Diwali as a strategic window to retain customers, acquire new users, and increase transaction volumes.

Sources: MSN Money, The Hindu Business Line, Economic Times BFSI, News18.

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