Best Credit Cards For Online Shopping (2024)
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FEATURES
- Accumulate 10 reward points for every Rs 150 expenditure on dining, movies, groceries, and departmental stores.
- For all other expenses, get 1 reward point on every Rs 150 spent.
- Starting from the second year, delight in the annual membership fee being waived.
WELCOME OFFERS
- Get 2000 reward points by spending INR 2,000 or more in just the first 60 days of card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- 2.5 Mojo points on every Rs. 100 spent online.
- 1 mojo point for all the others spent worth Rs. 100 (excluding cash withdrawal and fuel).
- 8 complimentary annual domestic airport lounge visits.
WELCOME OFFERS
- Spend Rs.30000 within 90 days of card issuance and get the joining fee waived.
- Movies: Redeem your earned points for BookMyShow Vouchers.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Collect 5 points for each INR 100 you spend on online shopping transactions.
- Receive a welcome voucher of INR 1,000, redeemable at various popular brands, as an initial sign-up bonus.
- Hit spending milestones of INR 200,000 and INR 500,000 within an anniversary year to earn vouchers valued at INR 1,000 and INR 5,000, respectively.
WELCOME OFFERS
- Start your Cookies Credit Card experience with an INR 1,000 welcome voucher. Choose from a range of brands including Croma, Amazon, Myntra, Flipkart, and Shoppers Stop. Note: Complete a transaction within the first 30 days to unlock this benefit.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- For every INR 100 spent on any purchase, earn 1 reward point. (can be used on RBL environment only)
- Get 12 reward points for every INR 100 spent online. (can be used on RBL environment only)
- Enjoy the benefit of a fuel surcharge waiver with a maximum capping of INR 100 per month.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Get 25% off at Taj, SeleQtions, and Vivanta Hotels.
- Get access to the airport lounges.
- Enjoy 24*7 Concierge service.
WELCOME OFFERS
- Get vouchers worth INR 45,000 from Taj, SeleQtions, and Vivanta Hotels.
- Spend at least INR 50,000 within the first two months of your membership to get the welcome gift.
- Get a voucher in 6-8 weeks of meeting the condition.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- No annual fees for the card's lifetime.
- Get 6 points on spending every INR 150.
- Earn 2 points for every INR 150 spent (excluding fuel and wallets).
WELCOME OFFERS
- Receive a Shoppers Stop voucher worth ₹500 that can be redeemed when you shop for ₹3000 or more.
FOREIGN TRANSACTION FEE
1% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Earn 4 reward points for every INR 150 spent on retail purchases.
- 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
- Experience exceptional dining perks through the Good Food Trail program.
WELCOME OFFERS
- Pay the joining fees and get 2500 reward points credited.
- Assured Flat 25% Off at 2000+ premium restaurants
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability of Rs. 9 Lakh
FEATURES
- Quarterly Rs. 500 Gift Voucher on 50,000 spending.
- 1% fuel surcharge waived, up to Rs. 500/month.
- 4 Reward Points on Rs. 150 spent online.
- Get up to 20% savings off on all your restaurant bill payment
WELCOME OFFERS
- The card offers you 500 Cash Points as a welcome benefit (applicable only on payment of membership fee).
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Receive up to 50 litres of free fuel annually.
- Every INR 150 spent on any purchases entitles you to 1 Fuel Point.
- Save 2.5% on dining expenses.
WELCOME OFFERS
- Get a complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
FOREIGN TRANSACTION FEE
2.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Get a 1% fuel surcharge waiver on INR 400-5000 spending.
- Upto 10X reward on online and offline spending.
- Premium membership to OTT and Cult.fit.
WELCOME OFFERS
- Customised based on the card selected
- Movies: 3 months complimentary membership to OTT
FOREIGN TRANSACTION FEE
3.49% *Applicable Taxes
FRAUD LIABILITY
Zero
FEATURES
- Earn 5% cashback on purchases at Flipkart.
- Enjoy 4 complimentary domestic airport lounges yearly.
- Up to 15% dining discounts at partner restaurants in India.
WELCOME OFFERS
- Get a welcome voucher from multiple brands.
- Receive INR 500 Flipkart vouchers with the first use of your Flipkart Axis Bank credit card. Check terms for details.
- Get a 50% off, capped at INR 100, for your first Swiggy order. Use the code "AXISFKNEW". See terms for more info.
- Movie: 4% accelerated cashback at PVR cinemas.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- 500 bonus reward points on INR 20000 monthly spend.
- 1.5% cashback on POS transactions at retail outlets.
- 2X reward on all online transactions.
WELCOME OFFERS
- Kickstart your journey with vouchers worth ₹ 500 on minimum retail spends of ₹ 10,000 within 60 days of card setup.
- Select vouchers from the top brands of your choice from the list.
- Lounges: 2 Complimentary railway lounge access quarterly
FOREIGN TRANSACTION FEE
3.49% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Enjoy a 15% discount under Dining Delight offerings of a maximum of upto INR 500.
- Get INR 150 on Myntra purchases of a minimum of INR 999 on selected styles.
- Earn 5% off on paying utility bills through Amazon Pay.
- Get 100% cashback of upto INR 300 on the first utility bill paid within 30 days of card issuance.
- Movie: 10% off maximum upto INR 100 monthly on BookMyShow.
WELCOME OFFERS
- Lifetime Free Card
- Get 40% Off on Zomato
- Get 5% Off on utility bill payments
- Get Rs.1200 discout on bookmyshow
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Enjoy 12 Axis EDGE REWARDS Points on INR 200 spending.
- Unlimited complimentary international lounge access.
- 40% discount on dining at over 4000 restaurants in India.
WELCOME OFFERS
- E-vouchers worth INR 12500 to select from either of the providers given below.
- You can select from a Luxe gift card, Yatra gift voucher, or The Postcard Hotels gift voucher.
- Eligible to translate within the first 30 days of card issuance.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- INR 50 cashback monthly on spending over INR 10,000.
- 2 free quarterly visits to railway lounges.
- 1% cashback on all other spends, max INR 50 monthly.
WELCOME OFFERS
- 5% Cashback on initial retail purchase of minimum INR 2500 with the 60 days of card issuance with a maximum of INR 150 during the statement cycle
- Movies: Buy one get one Free
FOREIGN TRANSACTION FEE
3.49% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Accumulate 6X loyalty points on web-based shopping for expenditures not exceeding ₹20,000 per month.
- Collect 3X loyalty points for in-store buys up to a limit of ₹20,000 every month.
- Receive up to 4 free railway lounge entries each quarter.
WELCOME OFFERS
- Earn an initial bonus of ₹500 when you make purchases totalling ₹15,000 or more within your card's first three months of activation.
- Enjoy a 5% cash rebate on the first EMI payment you make within 30 days of card activation, up to a maximum of ₹1,000.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 25000
FEATURES
- Enjoy 5% cashback on bill payments.
- Get 2% cashback on merchant transactions.
- 4 complimentary domestic lounge visits per year.
WELCOME OFFERS
- Fee reversal on spending INR 10000 in 45 days
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Accumulate 6X loyalty points on web-based shopping for expenditures not exceeding ₹20,000 per month.
- Collect 3X loyalty points for in-store buys up to a limit of ₹20,000 every month.
- Get up to 4 free railway lounge entries each quarter.
- 4 complimentery golf rounds and 12 complimentery golf lessons per calender year.
WELCOME OFFERS
- Earn an initial bonus of ₹500 when you make purchases totalling ₹15,000 or more within your card's first 90 days of activation.
- Enjoy a 5% cash rebate on the first EMI payment you make within 30 days of card activation, up to a maximum of ₹1,000.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
Cover worth 50,000
FEATURES
- Earn INR 1,000 shopping vouchers quarterly on INR 2 lakh retail spend.
- 5 reward points on spending INR 100 on merchant categories.
- Receive 2500 reward points on a birthday retail transaction.
WELCOME OFFERS
- Enjoy a choice of 1,000 INR worth of vouchers with your first POS retail purchase.
- Spend INR 1 lakh within 60 days of card activation to earn 10,000 additional reward points.
- Fuel and cash-linked transactions will not be considered when calculating bonus reward points.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Free IndiGo ticket of INR 3000 and 6E add-ons worth INR 1099 on a minimum of 3 transactions made every month 3 times after becoming a card member.
- Complimentary 8 lounge access every calendar year, 2 each quarter.
- 6 reward points for every INR 100 spent on IndiGo bookings.
WELCOME OFFERS
- IndiGo air ticket worth INR 3000 with complimentary 6E add-ons worth INR 1099 on making a minimum of 3 purchases every month for 3 months after card activation.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
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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