Best Credit Cards For Online Shopping (2024)
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FEATURES
- Get rewarded as you spend: earn 2.5 reward points for every Rs. 100 spent online.
- For every Rs. 100 spent on airfare and travel-related purchases, customers earn 1.5 reward points.
- 1 reward point for every Rs. 100 spent on other purchases.
WELCOME OFFERS
- Get welcome gift vouchers from multiple brands on paying the joining fees.
- Movies: BOGO on booking with BookMyShow
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Enjoy 1000 reward points on activating cards in just 30 days.
- Get the benefit of Amazon Prime membership for a year by spending Rs. 1 lakh within 90 days of card issuance.
- Get the benefit of 8 complimentary lounge access.
WELCOME OFFERS
- Get the FitPass Pro membership of Rs. 15000 free for 6 months
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Enjoy 5 reward points on spending Rs. 100 every time.
- Get the fuel surcharge waiver.
- Benefit from the no annual charges for the card.
WELCOME OFFERS
- Enjoy 5 reward points on spending Rs. 100 every time.
- Get the fuel surcharge waiver.
- Benefit from the no annual charges for the card.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Every INR 100 spent at grocery and department stores earns you 5X or 10 reward Points.
- 1 Reward Point for every INR 100 spent on all the other categories.
- Free access to eight airport lounges each year (two per quarter).
WELCOME OFFERS
- A free 6-month pro membership to FITPASS, valued at INR 15,000, is provided.
- On card activation within 30 days, receive 1000 reward points.
- On purchases of at least 1 lakh rupees within 90 days after issuance, receive a 12-month Amazon Prime membership.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Receive 5 bonus points for every ₹ 100 expenditure on Groceries, Retail outlets, and movie visits.
- Collect 1 point for each ₹ 100 used in other sectors.
- Annual card charges are waived when you spend ₹25,000 within a year.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Receive 10 bonus points for every ₹ 150 expenditure on groceries, utilities, and departmental stores.
- Collect 2 reward points for each ₹ 150 used in other sectors.
- Enjoy 1 complimentary access to domestic lounges every quarter.
WELCOME OFFERS
- On spending ₹5000 or more within the first 60 days of card issuance, get 2000 reward points.
- Movies: Enjoy 25% off on a minimum of 2 movie ticket bookings via PayTm movies with a maximum capping of INR 100.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Buy from the Snapdeal website or application and get 20 reward points for spending INR100.
- Enjoy 10 reward points for INR 100 on online shopping, groceries, and departmental stores.
- Get a 1% fuel surcharge waiver on fuel spending between INR 400-5000.
WELCOME OFFERS
- Use your card within 30 days of issuance and get an amazing ₹500 voucher from Snapdeal.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- 1% surcharge waiver on fuel purchases.
- 2 Reward Points on every Rs. 100 spent.
- 2.5% cashback on fuel purchases of a minimum of Rs.500.
WELCOME OFFERS
- Get welcome vouchers worth Rs.9000 within 45 days of joining.
- Movie: Buy one and get Rs.500 off on the next.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Get 0.75% cashback on all retail purchases.
- Enjoy 5% cashback on groceries.
- Benefit from 5% cashback on YES PayNow utility bill payments.
WELCOME OFFERS
- A cashback of Rs. 250 when you spend Rs. 2500.
- Movies: 5% cashback on movie tickets
FOREIGN TRANSACTION FEE
3.4% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn 4 reward points when you shop online.
- Earn 2 reward points for further purchases.
- Get 5% back on necessary business purchases.
WELCOME OFFERS
- Spend INR 500 within the first 90 days to earn 1000 bonus points.
- The additional gift voucher is only available to RIO Club members and is worth INR 500.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Enjoy up to a 10% discount on your bill using the HDFC Bank Times Card Credit through PayEazy on Eazydiner.
- Receive as much as 20% savings for both online and in-store shopping, wellness, and hotel accommodations.
- Earn 2 reward points for every retail expenditure of INR 150.
WELCOME OFFERS
- Get a welcome voucher worth INR 5000 across various categories like apparel, dining, shopping, travel, etc. You can check the vouchers on the Times Card Webapp.
- Movies: 25% off on movie ticket booking vis BookMyShow with a maximum capping of INR 350 per transaction.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Extra discount of up to INR 1,500 or 15% off at Eazydiner with PayEazy.
- Up to 20% discount on online and offline shopping, wellness, and hotel stays.
- Earn 3 Reward Points for every INR 150 spent on retail.
WELCOME OFFERS
- Get a welcome voucher worth INR 5000 across various categories like apparel, dining, shopping, and others by activating your card in just 30 days.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn 3% cashback on Paytm transactions (including Recharge, Utility, Movies, and Mini App) with a monthly cap of INR 500.
- Receive 2% cashback for selected other Paytm spends, capped monthly at INR 500.
- Get 1% cashback on all other retail purchases, with a monthly limit of INR 1000.
WELCOME OFFERS
- Get the Paytm First membership for a premium subscription, exclusive benefits, partnerships with top brands, and availability on a minimum transaction of INR 100.
- Receive an INR 250 gift voucher after card activation and completing 2 non-EMI transactions within the first 30 days. Qualified customers will be notified about how to avail their gift vouchers.
- Movies: 3% cashback on movie tickets with a capping of INR 500 per month.
FOREIGN TRANSACTION FEE
1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 5% cashback with a monthly cap of INR 1500 on Paytm transactions (including recharge, utilities, movies, and Mini app).
- Receive 3% cashback, with a monthly cap of INR 500, on purchases made on platforms and brands, including Swiggy, AJIO, Big Basket, and Uber.
- Get 1% cashback on any other retail purchases, up to INR 2,000 monthly.
WELCOME OFFERS
- Get a Paytm First subscription for a premium rate, special advantages, alliances with leading brands, and accessibility with a minimum transaction of INR 100.
- Activate your card, make 4 non-EMI purchases within the first 30 days, and receive a gift card worth INR 500. Qualified customers will be notified about how to avail their gift vouchers.
FOREIGN TRANSACTION FEE
1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 2% extra cashback when you use the Scan & Pay feature on the Paytm App with specific merchants, up to a monthly limit of INR 250.
- Get 2% cashback for specific categories: Swiggy and Uber, with a monthly cap of INR 250.
- Receive 1% cashback on all other shopping expenses, including those on Paytm, up to INR 500 per month.
WELCOME OFFERS
- Receive up to INR 150 cashback on your first two purchases. To benefit from this offer, each transaction should be a minimum of INR 250.
FOREIGN TRANSACTION FEE
3.6% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Enjoy 1.5 reward points for every INR 150 spent on this card.
- Get a 1% fuel waiver on purchasing fuel from any fuel station in India.
- Redeem your reward points for a range of benefits.
WELCOME OFFERS
- Get the voucher from any premium brands like Vero Moda, gift vouchers, Amazon vouchers, and others.
- Movies: Receive two complimentary movie tickets, valued at ₹200 each, every month at theaters.
FOREIGN TRANSACTION FEE
1.8% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 5% cashback with a monthly cap of INR 1500 on Paytm transactions (including recharge, utilities, movies, and Mini app).
- Receive 3% cashback, with a monthly cap of INR 500, on purchases made on platforms and brands, including Swiggy, AJIO, Big Basket, and Uber.
- Get 1% cashback on any other retail purchases, up to INR 2,000 monthly.
WELCOME OFFERS
- Get a Paytm First subscription for a premium rate, special advantages, alliances with leading brands, and accessibility with a minimum transaction of INR 100.
- Movies: 5% cashback on movie tickets with a capping of INR 500 per month.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn 4 points for every INR150 online spend, excluding EMI, fuel, and wallet loads.
- Get 2 points for INR150 POS spent, excluding EMI, fuel, and wallet loads.
- 5% cashback on utilities, telecom, IRCTC, and government payments, capped at INR250 monthly.
WELCOME OFFERS
- Activate as instructed to avoid the annual fee or spend INR 45,000 (non-EMI) within the first 90 days for a first-year fee waiver.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Get 4 points for every INR 150 on online and POS buys (EMI, fuel, and wallet loads excluded).
- 5% cashback on business costs like utilities and taxes (up to INR 250/month).
- Get 8 free domestic airport lounge visits yearly, max 2 per quarter.
WELCOME OFFERS
- Activate as instructed to avoid the annual fee or spend INR 75,000 (non-EMI) within the first 90 days for a first-year fee waiver.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Enjoy 3 InterMiles every time you spend INR 100.
- Get a 1% fuel waiver on purchasing fuel from any fuel station in India.
- Access to 600+ lounges worldwide with Priority Pass Program.
WELCOME OFFERS
- Get 2000 InterMiles as the welcome bonus points.
- On using https://www.intermiles.com to book flights, a flight discount voucher worth Rs. 750 will be given.
- Booking hotels through https://interbook.intermiles.com will receive a hotel discount voucher worth Rs. 1500.
- Get the InterMiles complimentary membership.
- Movie :- BOGO on booking with BookMyShow
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
Shopping credit cards have become a go-to choice for consumers looking to maximize their purchasing power and enjoy exclusive benefits while shopping. These cards cater to individuals of all age groups, providing them with convenience, rewards, and flexibility in their spending habits. As the demand for shopping credit cards continues to rise, major banks in India have stepped up to offer a diverse selection of cards tailored to meet the varying needs and preferences of their customers.
Shopping Credit Card Features & Benefits
Is there anything more enticing than a shopping credit card for those dedicated spenders who find themselves navigating online stores countless times a day? The benefits of this card are plentiful. Before you start jumping from one issuer to another, it's vital to understand the immense rewards that come with owning a shopping card.
- Reward Points: Consider the incredible benefits of a shopping credit card, such as earning accelerated reward points or cashback on your favorite online stores like Amazon. With opportunities like earning 10x points on every INR 150 or receiving a reward booster for reaching a milestone spending goal, these cards offer fantastic rewards that you can use for shopping by redeeming them. A bonus? You also get to save up along the way.
- Welcome Benefits: We all love a welcome drink, don't we? Well, when it comes to credit cards, it's like receiving a welcome gift! Shopping credit cards offer a sign-up bonus that you can enjoy upon activating the card or making your first purchase with it. This bonus can come in various forms, such as a shopping voucher, extra reward points, or even exclusive discounts, depending on the issuer. Sometimes, you may need to fulfill a minimum spending requirement to unlock this delightful treat. But fear not, for as a seasoned shopper, meeting this criteria should be a breeze, making it easy to snatch up that coveted welcome benefit and kick off your shopping spree with a bang!
- Fuel Surcharge Waiver: Have you ever experienced the frustration of seeing an unexpected surcharge on your fuel receipt when paying with a credit card? It can put a dent in your budget. When utilizing a shopping credit card, you can expect to receive a 1-3% waiver on fuel surcharges, along with potential rewards and cashback on fuel purchases from certain credit card issuers. If fuel expenses are a regular part of your monthly budget, this benefit could lead to substantial savings for you.
- Discounts: Why limit yourself to waiting for the Black Friday Sale when you can enjoy amazing discount deals all year round? It's no secret that one of the standout features and perks of shopping credit cards is the abundance of discounts they offer.
Types Of Shopping Credit Cards In India
- Cashback Shopping Credit Cards: One of the most popular types of shopping credit cards are the top cashback cards that offer around 5% cashback on every online purchase. This cashback feature is a fantastic way to cut down on your expenses, as the cashback amount is typically refunded to you in the form of statement credits each month.
- Shopping Credit Cards with Accelerated Rewards: Credit cards with accelerated rewards for shopping earn valuable points for each purchase you make. When using a credit card of this kind for shopping, you can earn up to 10 times the rewards for every INR 100 to 150 spent. These rewards can be redeemed across various shopping categories, credit card dues, and other options as determined by the issuer.
- Shopping Credit Cards with Discount Offers: A specialized type of shopping credit card is designed for savvy discount hunters. Among the standout advantages of shopping credit cards in this category are enhanced discounts for online shopping. In addition to special occasions, these credit cards provide ongoing discounts of up to 15% on leading shopping websites.
Eligibility To Apply For Best Shopping Credit Cards
The eligibility criteria for shopping credit cards are straightforward and similar to those of cashback or rewards cards. Before applying for a card, it is essential to meet all the requirements expected by the issuer for potential cardholders.
Here are the typical eligibility requirements for shopping credit cards in India:
- Age Requirement: Typically falls within the range of 18 to 60 years, although this may vary based on the specific card issuer and the type of credit card being applied for.
- Residency: Must be either a citizen of India or a Non-resident Indian.
- Income: Varies based on the card issuer and the specific type of credit card.
- Employment Status: Whether you are a salaried individual or self-employed.
- Creditworthiness: Must be satisfactory with a solid credit score.
Apply Shopping Credit Cards Online: Step-By-Step Guide
To start the process of applying for a shopping credit card online, the initial step involves thoroughly researching all the details about the card on the Internet. When considering applying for a shopping credit card online, many are quick to click on the ‘Apply Now’ button. However, it is advisable to first review the credit card's features, benefits, fees, charges, and terms and conditions before proceeding any further.
Now let’s dive into the step-by-step process of applying for a shopping credit card online.
- Visit the Issuer's Official Webpage: Visit the issuer's official credit card webpage.
- Review Card Details: Review all the details of the card to ensure it aligns with your budget and meets your specific needs.
- Start the Application: Continue with the application process.
- Complete the Application Form: Fill out the online credit card application form by providing all necessary information.
- Verify Information: Review and verify your information to ensure accuracy.
- Submit Documents: Submit essential documents, such as proof of address and proof of income, as required.
- Proceed with Submission: Proceed with the submission.
- Complete KYC: Finish the application process by undergoing Video KYC (VKYC) or any other form of KYC requested by the issuers at the time.
It's important to note that many issuers will contact you via phone before moving forward with the KYC process. This step is crucial as it serves as the final confirmation of your details and eligibility for shopping credit cards. Therefore, make sure to have all your documents ready and pay attention to every detail to ensure a smooth application process.
Documents Needed While Applying for Shopping Credit Cards
Listed below are the essential documents needed when applying for shopping credit cards. It's important to note that each bank may have varying requirements, so it's best to verify the specific documentation needed by reaching out to the bank directly or visiting their website.
- Proof of identity, including documents like an Aadhaar card or passport, is required during the application process.
- Provide a copy of an address proof document that reflects your current address, including options such as Voter’s ID, Aadhaar card, driving license, electricity bill, or passport.
- Copy of PAN card
- Two months of salary slips or income tax returns
- Completed and signed application form
- A recent passport-sized photograph
How to Utilize the Best Credit Cards for Online Shopping?
Credit cards have now become the go-to choice for making online payments, offering convenience and ease. Embracing online shopping with a credit card involves a simple process. Here's a quick guide on what to do:
- Add products to your shopping cart.
- Go to the checkout page.
- Choose 'Credit Card' as your preferred payment method from the available options.
- Enter your card number, the name on the card, and the expiration date.
- Enter the CVV, a three or four-digit security code located on the back of your card.
- Complete the payment process by entering the OTP sent to your registered mobile number for added security.
- Click on the submit button to finalize your transaction.
Shopping credit cards provide enticing benefits such as accelerated rewards, attractive sign-up bonuses, discounts on both online and offline purchases, and cashback opportunities.
Credit cards such as Bank Lit, Bajaj RBL, HDFC Millenia, and Axis Ace provide enticing offers for in-store shopping experiences.
Accelerated rewards points, cashback options, and a plethora of discounts are the key perks offered by shopping credit cards. Additionally, these cards come with enticing sign-up bonuses that elevate your shopping experience.
Yes, shopping online with a credit card is secure nowadays as issuers utilize advanced fraud monitoring features to safeguard against any potential breaches or fraudulent activities.
Accelerated reward points are additional points that you earn on specific categories of purchases, varying from card to card. These categories can include online shopping, travel expenses, or grocery purchases, offering you extra benefits and rewards.
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