Best Credit Cards For Online Shopping (2024)
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FEATURES
- Receive 8 reward points for every INR 200 spent on travel and dining.
- Enjoy a 1% surcharge waiver for transactions ranging from INR 400 to INR 5,000.
- Benefit from a preferential foreign currency markup rate of only 2.75%.
WELCOME OFFERS
- Get the Amazon gift voucher worth Rs.500 on spending Rs.1000 within 30 days of card setup (valid for online applied cards only)
FOREIGN TRANSACTION FEE
2.75% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 3 lakh
FEATURES
- Enjoy all the benefits of this card which is available for free for first 4 years.
- For every spend of INR 100 get 1 reward point.
- Get 1% fuel surcharge waiver on your fuel transactions.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Enjoy 10x CashPoints on paying to your favourite and frequent merchants, BigBasket, Swiggy, BookMyShow, Uber, and OYO.
- 5x CashPoints can be earned with every EMI purchase at merchant stores.
- Get discounts of up to 20% with the Swiggy Dineout feature.
WELCOME OFFERS
- Upon membership fee payment and card activation, enjoy a welcome benefit of 500 cash points
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Liability Cover
FEATURES
- Receive 2% back in the form of NeuCoins when spending on Tata Neu and associated Tata Brands. Check the complete list of qualifying brands.
- Get a 1% reward in NeuCoins for purchases made outside of Tata brands and for Merchant EMI transactions.
- After downloading the Tata Neu App and registering for Tata NeuPass, gain an extra 5% in NeuCoins for specific categories on the Tata Neu App/Website.
WELCOME OFFERS
- Unlock INR 1499 Neu coins with your credit card as the reversal of your 1st year membership fee.
- The reward will be given on completing 1 transaction within first 30 days of card issuance.
- It will be available in Tata New App within 60 days of any such transaction.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Up to ₹9 lakhs
FEATURES
- Collect 10 Axis EDGE points for each spend of INR 200.
- Get 2X reward points for every INR 200 on retail shopping.
- Enjoy upto 12 complimentary international airport lounge access with the help of Priority Pass membership.
WELCOME OFFERS
- Earn 10,000 EDGE REWARD Points equivalent to Rs.2000 on your initial card transaction.
- Ensure the transaction is completed within the first 30 days after card issuance.
- The points will be added to your EDGE REWARDS account within T+12 business days, where T represents the date of the transaction.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Fuel Benefits: Earn reward points at a rate of 13 times the normal rate when you make fuel purchases at BPCL petrol pumps.
- Reward Points: Get rewarded with 5 times the regular reward points for every ₹ 100 spent on groceries, departmental stores, movies, and dining.
WELCOME OFFERS
- You will receive a bonus of 2,000 reward points worth Rs. 500 upon card activation
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
No
FEATURES
- Enjoy 1% value on shopping in the form of 5 reward points for every INR 100 spent.
- Get 4% value back on fuel transactions in 20 reward points for every INR 100 spent at the IOCL outlet.
- Discount of up to 15% at partner restaurants in India.
WELCOME OFFERS
- 100% cashback on your first fuel transaction completed in the first 30 days of card issuance.
- Movie: 10% off on BookMyShow.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Receive 2% back in the form of NeuCoins when spending on Tata Neu and associated Tata Brands. Check the complete list of qualifying brands.
- Get a 1% reward in NeuCoins for purchases made outside of Tata brands and for Merchant EMI transactions.
- After downloading the Tata Neu App and registering for Tata NeuPass, gain an extra 5% in NeuCoins for specific categories on the Tata Neu App/Website. Learn more about the Tata NeuPass.
WELCOME OFFERS
- Unlock 499 NeuCoins on Tata neu app as the reversal of 1st year membership fee.
- The coins are gained on completing a transaction within the first 30 days of the card issuance.
- The coins are available for claim only for the 60 days of any such transaction in the tata New App.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Received 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores, and movies
- Insurance Benefits - Air accident death cover Upto Rs 50 lakh and fraud liability cover of Rs. 1 Lakh.
WELCOME OFFERS
- As a welcome gift, you will receive an e-gift voucher worth Rs. 3,000 from top brands such as Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost card liability cover Rs. 1 Lakh
FEATURES
- Travel: Complimentary international and domestic lounge access
- Movies: Discount of Rs. 250 per ticket per ticket
WELCOME OFFERS
- Welcome benefit in the form of an e-Gift Voucher worth Rs. 5,000. This voucher can be redeemed at leading travel and lifestyle brands such as Yatra, Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, and Shoppers Stop.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
Cover Up to 1 Lac
FEATURES
- Enjoy 6X reward points on online shopping for expenditures not exceeding ₹20,000 per month.
- Get 3X loyalty points for offline purchases up to a limit of ₹20,000 every month.
- Get up to 4 free domestic and international airport lounge entries each quarter.
WELCOME OFFERS
- Earn a ₹500 introductory bonus when you spend at least 15,000 within the first 90 days of activating your card.
- Get a 5% cash rebate, up to a maximum of ₹1,000, on your first EMI payment made within 30 days of card activation.
FOREIGN TRANSACTION FEE
1.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 50000
FEATURES
- Eat out and enjoy INR 1000 off every time you pay via PayEazy.
- Get 2 complimentary lounge access every quarter.
- Enjoy a 1% fuel surcharge waiver on fuel transactions.
WELCOME OFFERS
- Benefit from a 12-month EazyDiner Prime membership valued at INR 2,495.
- Secure a 25% to 50% discount at over 2000 premium eateries & lounges.
- Avail exclusive Prime advantages such as tripling your EazyPoints and use them for complimentary stays in luxury hotels or meals without any charge.
- Receive a welcoming bonus of 2000 EazyPoints.
- Get an exclusive voucher for The Postcard Hotel valued at INR 5,000. Immerse yourself in a luxurious getaway at captivating locations within India and globally.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Not Cover By Bank
FEATURES
- Gain 5% cashback on all online spending.
- Get 1% cashback on all offline spending.
- Enjoy a 1% fuel surcharge waiver across all petrol pumps in India.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Reward Points: Get 5 reward points for every Rs. 100 spent at partner stores like Lifestyle, Home Centre, and more.
- Fuel Surcharge Waiver: During transactions of Rs. 500 to Rs. 3,000, you will receive a 1% fuel surcharge waiver. The maximum waiver per statement cycle is Rs. 100.
WELCOME OFFERS
- Get 2,000 bonus reward points, equivalent to Rs. 500.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Rewards: Faster rewards on Big Bazaar, Food Bazaar, and standalone FBB stores.
- Discount: Get 10% Flat discounts on FBB and Big Bazaar shops.
- Get an Anniversary gift of 2,000 Bonus Reward Points Every Year
WELCOME OFFERS
- With the fbb SBI STYLEUP Credit Card, you'll receive a gift voucher worth Rs.500 as a welcome gift. This voucher can be redeemed at any Fbb or Big Bazaar store.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Covered Up to 1 Lakh
FEATURES
- 4 free video doctor consultations/month on Practo.
- 2 EDGE Points for every INR 200 spent.
- Annual discount of up to INR 500 on health check-ups.
WELCOME OFFERS
- INR 750 Decathlon OMNI Gift Card voucher as a welcome offer.
- The voucher will be valid for 60 days from card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
YES
FEATURES
- Complimentary SonyLIV Subscription
- Earn 4 Reward Points on every ₹200 spent
- Instant Discount on Food Orders
WELCOME OFFERS
- N/AMovies: Buy 1 Get 1 on movie tickets
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- 4 Reward Points per Rs. 200 on all categories except a few.
- Utilities, tax payments, and bus lines get you 2 Reward Points per Rs. 200.
- Exciting offers on dining, shopping, travel, and wellness.
WELCOME OFFERS
- Get the Amazon gift voucher worth Rs.500 on spending Rs.1000 within 30 days of card setup (valid for online applied cards only)
FOREIGN TRANSACTION FEE
2.75% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 1.3 Lakh
FEATURES
- Get to earn 2 times more reward points, 4 reward points, for every ₹150 spent online.
- Pay all your vendors and supplier bills with a Business MoneyBack credit card and enjoy a 50-day interest-free period.
- If you spend INR 1.8 Lakh in a year, you will receive a bonus of 2,500 reward points for every anniversary year.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost card liability
FEATURES
- Enjoy the amazing 10% cashback on Zomato, Swiggy, and Bigbasket.
- Get 4 complimentary lounge visits per year.
- Eran 10% cashback on utility bill payments made via Airtel Thanks App.
WELCOME OFFERS
- Get an Amazon eVoucher of INR 500 on the first transaction made within 30 days.
FOREIGN TRANSACTION FEE
3.6% *Applicable Taxes
FRAUD LIABILITY
Lost 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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