Best Credit Cards For Online Shopping (2024)

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.