With more people opting for online shopping than retail stores, the demand for online shopping credit cards is also increasing. From gadgets to groceries, people are buying everything online and they definitely want to be rewarded for these expenses. This is the reason why leading banks and NBFCs are offering credit cards with special benefits on online shopping. While some cards offer additional benefits with co-branded platforms, others offer generous rewards on all types of online purchases. To help you choose the best credit card for your needs, here is a list of the best online shopping credit cards in India.
Cashback on your Purchase with Credit Cards
Cashback is the simplest form of benefit offered by a credit card. You spend money and you get the real value back instead of earning rewards and later redeeming them for cash, vouchers, or other items.
Avail cashback on select purchases and down payments
Depositing cashback is a great way to save money, especially when you shop frequently. These cashback amounts can accumulate over time to give you significant savings.
Lastly, the return and exchange of products in the form of a card do not get in the way. You can do this easily, as the lenders are not willing to refund your card amount. Now that you know how beneficial it is to shop with your credit card, let’s look at the best credit card for shopping. The market is replete with issuers that offer attractive deals so choose the one that best suits your spending habits. Ideally, choose a card that combines several features into one.
For example, the Bajaj Finserv RBL Bank SuperCard has many features in addition to the credit card offers. Sc (SuperCard) is ideal for all your shopping needs as it lets you convert any purchase above Rs 3,000 into easy EMIs, and offers savings of up to Rs 55,000 annually. You can withdraw cash from any ATM on an interest-free basis as long as you pay the amount within 50 days. SuperCard has a simple process and you can also benefit from instant approvals. To get started, check your pre-approved offer and apply.
Earn reward points with every transaction
Your ideal cc should not charge you a lot of interest. With Shopping Credit Cards by Bajaj Finserv and RBL, you can avail of Equated Monthly Installments (EMIs) at no extra cost. With the no-cost EMI facility, you can pay your credit card bills without any additional interest. Just forget about the 12-14% interest that you are often charged for using the EMI option.
Additional Rewards and Benefits on Credit Cards
Many credit card companies offer additional rewards and benefits on certain portals. If you shop on these portals, you get additional discounts. For example, you get an additional discount on BookMyShow when you spend a specific amount every month.
Best Online Shopping Credit Cards
| Credit Card | Annual Fee* | Offers best rewards on | Best Feature |
| Flipkart Axis Bank Credit Card | Rs. 500 (from 2nd Year) | Flipkart, Myntra and 2GUD | 5% cashback on Flipkart, Myntra and 2GUD |
| Amazon Pay ICICI Credit Card | Nil | Amazon | 5% cashback on shopping at Amazon |
| HSBC Cashback Credit Card | Rs. 750 | Swiggy, Amazon, BigBasket, MakeMyTrip | 1.5% cashback on all online spends |
| HDFC Millennia Credit Card | Rs. 1,000 | Amazon, Flipkart, PayZapp, SmartBuy, etc. | 5% cashback on Amazon, Flipkart, PayZapp & SmartBuy |
| Axis Bank ACE Credit Card | Rs. 499 | Swiggy, Zomato & Ola | 5% cashback on bill payments, DTH, and mobile recharges via Google Pay |
| Amex SmartEarn Credit Card | Rs. 495 | Flipkart and Uber | Up to 10X Membership Points on Online Spends |
| SBI SimplyCLICK Credit Card | Rs. 499 | Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, etc | 10X Reward Points on online spends |
| HDFC MoneyBack Credit Card | Rs. 500 | No specific brand | 2X Reward Points on Online Shopping |
| Standard Chartered DigiSmart | Rs. 49 per month | Ola, Myntra, Grofers, Zomato, INOX, Yatra | 20% off on Myntra & 10% off on Grofers and Zomato |
| Axis Bank Neo Credit Card | Rs. 250 | Myntra, BookMyShow | 10% off on online shopping, recharges, and movie tickets |
Also Read-
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- 5+ Best Credit Cards in India for 2021
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Milestone Gift Vouchers
Many card providers offer gift vouchers upon reaching a certain milestone. If you spend more, you can aim for these vouchers and get an opportunity to buy the product using these vouchers.
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Bonus Points on Online Purchases
To promote online shopping, many card companies offer bonus points on online purchases. You can earn up to 10X Reward Points which can be redeemed for gifts, vouchers, recharges, statement credits, etc.
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