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What are the top credit cards for Online Shopping in India

Last updated :
March 10, 2024
/

minutes read

Credit cards are now an important part of how we handle our money. They make it easy for us to buy things without carrying cash, help us build credit, and give us a lot of other benefits, like rewards, discounts, and cashback. But not all credit cards are the same, and it's important to pick the right one for your needs if you want to get the most out of it.

India is one of the fastest-growing credit card markets in the world, with a significant increase in the number of credit card users in recent years. With numerous banks and financial institutions offering various credit cards, it can be overwhelming to choose the right one. However, by understanding your spending habits and requirements, you can select the credit card that offers the best benefits for you.

A. Benefits of using credit cards for online shopping

Online shopping has become increasingly popular in India, and using a credit card for these purchases offers various benefits.

  • Convenience: Using a credit card for online shopping is a convenient way to make payments as you don't need to carry cash or visit a physical store to make a payment.
  • Fraud protection: Credit cards offer fraud protection which means that you are not liable for any unauthorized transactions made on your card. If you notice any suspicious activity, you can immediately report it to the card issuer and they will investigate and resolve the issue.
  • Cashback and reward points: Many credit cards offer cashback, reward points, or discounts on online purchases, which can help you save money in the long run.
  • Purchase protection: Some credit cards offer purchase protection which means that if your purchase is damaged, lost, or stolen, the card issuer will cover the cost of the item or provide a replacement.
  • Build credit score: Using a credit card responsibly can help you build your credit score, which can be beneficial when you need to apply for loans or other credit products in the future.

B. Factors to consider when choosing a credit card for online shopping

  • Rewards or cashback: Look for a credit card that offers high rewards or cashback on online shopping purchases
  • Categories of rewards or cashback: Some credit cards offer higher rewards or cashback on specific categories of online shopping, such as travel, electronics, or fashion.
  • Annual fee: Consider the annual fee of the credit card and whether it is worth paying for the rewards or cashback benefits.
  • Interest rates: Look for a credit card with lower interest rates to avoid paying high interest charges on outstanding balances.
  • Credit limit: Consider the credit limit of the credit card and whether it meets your online shopping needs.
  • Fraud protection: Look for a credit card that offers strong fraud protection and online security measures.
  • Redemption options: Look for a credit card that offers flexible redemption options, such as cashback credits, statement credits, or gift cards.
  • Other benefits: Consider other benefits of the credit card, such as additional rewards or cashback on other purchases, dining discounts, or airport lounge access

C. Top credit cards for online shopping

  • HDFC Bank Millennia Credit Card

The HDFC Bank Millennia credit card offers a 5% cashback on online shopping, along with additional benefits such as a 1% cashback on offline spends, fuel surcharge waiver, and airport lounge access. It also provides exclusive discounts and offers on partnered brands, including Amazon, Flipkart, and Myntra.

  • SBI SimplyCLICK Credit Card

The SBI SimplyCLICK credit card offers up to 10X reward points on online spends, making it an ideal choice for online shopping. It offers a 5% cashback on online purchases from Amazon, Cleartrip, Lenskart, and Ola. Additionally, it provides fuel surcharge waivers and e-vouchers worth Rs.2,000 on annual spends of Rs.1 lakh.

  • ICICI Bank Amazon Pay Credit Card

The ICICI Bank Amazon Pay credit card is designed specifically for Amazon shoppers, offering a 5% cashback on Amazon purchases. It also provides a 2% cashback on spends made at Amazon Pay merchants and 1% cashback on all other spends. It offers benefits such as fuel surcharge waivers, lounge access, and discounts on partnered brands.

  • Axis Bank Flipkart Credit Card

The Axis Bank Flipkart credit card offers a 5% cashback on Flipkart purchases, along with additional benefits such as a 4% cashback on spends at Myntra, 1.5% cashback on other spends, and a welcome gift voucher worth Rs.500. It also provides benefits such as fuel surcharge waivers, airport lounge access, and discounts on partnered brands.

  • Citi Rewards Credit Card

The Citi Rewards credit card offers accelerated reward points on online spends, including 10 reward points per Rs.125 spent on online purchases. It also offers discounts and offers on partnered brands, including Amazon, Flipkart, and Myntra. It provides additional benefits such as fuel surcharge waivers, airport lounge access, and an annual bonus reward points.

  • Standard Chartered DigiSmart Credit Card: Offers high rewards on online shopping, dining, and entertainment expenses

Choosing the right credit card for Online purchases depends on the customer's spending habits and preferences. By selecting a credit card that aligns with their needs, customers can maximize the benefits they receive and save money in the long run.

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Shuaib Azam
Shuaib is a Marketing & Growth lead at Hubble. When he isn't working on growth initiatives, Shuaib writes fiction and doodles space monkeys.

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