In the age of digitalisation, online shopping has become an essential part of our daily lives, especially during the COVID-19 pandemic. As more people rely on online platforms for shopping, having a credit card specifically designed for online transactions has become crucial. These cards offer many benefits, including reimbursements, rewards, discounts, and exclusive privileges, making them a must-have for savvy consumers. In this article, we’ll look at the top eleven credit cards for online shopping in India in 2022, each with unique features and benefits to suit different preferences and requirements.
Flipkart Axis Bank Credit Card
You can apply for the Flipkart Axis Bank Credit Card if you frequently shop within the Flipkart ecosystem. This card provides complimentary access to domestic lounges, 5% rebates on online purchases at Myntra and Flipkart, and Rs 1000 in welcoming benefits. With its nominal annual and joining fees, this card is highly recommended for individuals who want to save more on online purchases.
Points to Consider:
- Free domestic lounge access.
- 5% cashback on Flipkart and Myntra purchases.
- Welcome benefits worth Rs 1000.
- Joining fees: Rs 500, Annual fees: Rs. 500 (waived off on annual spends greater than Rs. 2,00,000).
Why We Picked This Card?
Ideal for Flipkart loyalists, offering significant cashback rewards and exclusive benefits within the Flipkart ecosystem.
Amazon Pay ICICI Bank Credit Card
For Amazon enthusiasts, the Amazon Pay ICICI Bank Credit Card is a great choice. It offers an unrestricted 5% credit on all Amazon online purchases and has no annual or membership fees. However, you need an Amazon Prime membership to benefit fully from the service. This card provides generous cashback rewards and discounts, making it an ideal option for frequent Amazon shoppers.
Points to Consider:
- 5% unlimited cashback on Amazon purchases.
- No joining or annual fees.
- Requires Amazon Prime membership for full benefits.
- Interest rate: 3.5% to 3.8% per month.
Why We Picked This Card?
Perfect for Amazon Prime members, offering attractive cashback rewards and exclusive benefits on Amazon purchases.
HDFC Millennia Credit Card
The HDFC Millennia Credit Card is an all-around card that caters to the needs of online consumers and frequent travellers. This programme provides 5% compensation on various online platforms, including Amazon, Flipkart, and Uber. Additionally, it grants access to premium features such as domestic airport lounges and rewards based on reaching specific milestones. This card provides enticing cashback rewards in all categories in exchange for a nominal annual application fee.
Points to Consider:
- 5% cashback on Amazon, Flipkart, and Uber.
- Premium features like lounge access.
- Joining fees: Rs. 1000, Annual fees: Rs. 1000.
Why We Picked This Card?
A versatile card suitable for various spending categories, offering attractive cashback rewards and premium features.
Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card, designed in collaboration with Google Pay, provides purchase cashback rewards. It offers unlimited cashback on substantial purchases, making it an ideal choice for those seeking to save money. The card comes with a minimal annual fee, which makes it perfect for first-year students or individuals who want to maximise their savings on online purchases.
Points to Consider:
- Cashback rewards with no upper limit.
- Low annual fee.
- Joining fees: Rs 499, Annual fees: Rs. 499.
Why We Picked This Card?
Versatile rewards and no upper cashback limit make it suitable for various spending categories.
HDFC Bank MoneyBack Credit Card
The HDFC Bank MoneyBack Credit Card is an entry-level reimbursement card that provides rewards in all categories. The card offers generous bonuses and a comfortable interest-free credit period, with no annual or application fee. It is one of the best entry-level cards from HDFC Bank’s portfolio of rewarding cards.
Points to Consider:
- Entry-level cashback card.
- No joining or annual fees.
- Interest rate: 3.6% per month.
Why We Picked This Card?
It offers decent rewards and a comfortable interest-free credit period, making it suitable for those looking for a hassle-free cashback card.
SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is perfect for those who wish to earn rewards on online purchases and travel reservations. Members receive a Rs 500 Amazon gift card and additional rewards on online purchases as a welcome bonus. The card requires only a nominal annual sign-up fee, making it ideal for those looking to earn rewards on their online purchases.
Points to Consider:
- Extra rewards on online shopping transactions.
- Joining and annual fees: Rs 499.
- Interest rate: 3.5% per month.
Why We Picked This Card?
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s on online shopping transactions, making it one of the most rewarding entry-level credit cards.
Axis Bank Neo Credit Card
The Axis Bank Neo Credit Card is an entry-level credit card suitable for recurring food, travel, and entertainment purchases. It has a low-interest annual membership fee.
Points to Consider:
- Entry-level card with discounts and rewards.
- Joining and annual fees: Rs 250.
- Interest rate: 3.4% per month.
Why We Picked This Card?
Allrounder cards for regular food, travel, and entertainment app expenses, offering attractive discounts and rewards.
Standard Chartered DigiSmart Credit Card
The Standard Chartered DigiSmart Credit Card provides various offers on Zomato, Grofers, and Myntra, making it an economical credit card. This card offers exciting grocery, dining, and travel promotions, making it an excellent choice for online purchases and routine expenditures.
Points to Consider:
- Value-for-money card with multiple offers.
- Joining fees: Rs 49 per month.
- Annual fees: Nil.
- Interest rate: 3.75% per month.
Why We Picked This Card?
Discounts on day-to-day expenses, making it a solid all-rounder card for online and offline purchases.
Lifestyle HC SBI Credit Card
The Lifestyle HC SBI Credit Card is co-branded with Landmark stores. This card offers favourable purchasing conditions at Lifestyle, Home Centre, Max, and Spar establishments and flexible rewards and benefits.
Points to Consider:
- Accelerated rewards at Landmark stores.
- Joining and annual fees: Rs 499.
- Interest rate: 3.5% per month.
Why We Picked This Card?
Highest value for spends at Landmark stores, offering flexible rewards and benefits for frequent shoppers.
HSBC Cashback Credit Card
The HSBC Cashback Credit Card offers premium cashback and rewards for online purchases, dining, and travel. This card is perfect for making purchases on Swiggy and Amazon, as it has no maximum cashback and reward points limits. Additionally, it provides attractive cashback rewards and benefits.
Points to Consider:
- Premium cashback card with rewards on various categories.
- Joining fees: Rs 750, Annual fees: Rs 499.
- Interest rate: 3.3% per month.
Why We Picked This Card?
It is ideal for Swiggy and Amazon purchases, with attractive cashback rewards and benefits.
Axis Bank Buzz Credit Card
The Axis Bank Buzz Credit Card is an exclusive credit card with accelerated Flipkart rewards and discounts. This card is designed specifically for purchases made on Flipkart and provides discounts and rewards with no annual charge and no initiation fee.
Points to Consider:
- Exclusive rewards and discounts for Flipkart purchases.
- Annual fees: Rs 750.
- Interest rate: 3.6% per month.
Why We Picked This Card?
Offers discounts and rewards specifically for Flipkart purchases, making it a valuable choice for Flipkart loyalists.
Conclusion
Selecting the right credit card when making online purchases in India is essential. Eleven credit cards with different perks and features cater to specific consumer needs. To make the best choice, evaluate your purchasing patterns and select a card that maximises your savings and is compatible with your lifestyle. I wish you all the best with your purchase!
What to Look for in a Good Credit Card for Online Shopping?
Cashback Rewards: Exploring credit card options that provide attractive cashback incentives exclusively for online purchases can be beneficial. Opting for a card that offers a higher percentage or a fixed rate of cashback can help you maximise your savings.
Discounts and Offers: Furthermore, it is worth considering credit cards that offer discounts and exclusive deals for popular online platforms or categories, such as e-commerce sites, travel bookings, and entertainment services. Utilising these discounts for your purchases can help you save significant money.
Low or Waived Annual Fees: Obtaining a credit card with minimal or no annual fees can also contribute to your overall savings. Some credit cards may offer fee waivers based on spending thresholds, providing frequent users additional benefits.
Additional Perks: Additionally, it is worth considering credit cards that offer extra perks, such as lounge access, travel insurance, or accelerated reward points for specific spending categories. These benefits go beyond cashback rewards and can enhance your overall experience while providing additional value.
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Benefits of Online Shopping Credit Cards
Cashback Rewards: Credit cards for online purchases offer cashback rewards for every transaction. This means you can get back a certain percentage of your expenses, leading to significant savings in the long run. This is especially useful for individuals who frequently shop online.
Discounts and Offers: Using these cards on partner platforms such as e-commerce sites, travel agencies, dining establishments, and entertainment providers can offer special discounts and promotions. These deals enhance the overall purchasing experience and provide additional value for cardholders.
Welcome Bonuses: Many online purchasing credit cards offer new users attractive introductory incentives. These could include bonus cashback rewards, accelerated reward points, or gift vouchers. These incentives motivate users to register and provide immediate benefits.
Additional Perks: Apart from reward points and discounts, online credit card purchases may offer additional benefits such as extended warranty coverage, no-interest EMI options, protection against liability for unauthorised purchases, and purchase protection. These benefits add to the cardholder’s experience and provide extra security and peace of mind.
What Is a Credit Card for Online Shopping?
Tailored for Online Purchases: Credit cards specifically designed for online purchases are meant to cater to the needs of consumers who make frequent online transactions. These cards provide personalised benefits and rewards based on an individual’s online spending patterns, including compensation incentives, discounted rates, and exclusive promotions.
Convenient and Secure: Credit cards for online purchases offer a secure and convenient alternative, allowing consumers to complete purchases confidently without difficulties. They provide robust security features that protect cardholders from fraud and unauthorised transactions, instilling confidence.
Maximise Savings: Credit cards that offer exclusive offers, compensation incentives, and discounts for online purchases enable cardholders to maximise their savings. Cardholders can accumulate rewards with each transaction that gradually add to significant savings.
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<p&gt;ng&amp;amp;gt;Enhanced Shopping Experience:&amp;lt;/strong&gt; Online retail credit cards may offer additional benefits, such as accelerated reward points, travel insurance, lounge access, concierge services, and monetary benefits. These benefits enhance the overall purchasing experience and provide cardholders with additional value.
<strong&amp;gt;Who Should Get Online Shopping Credit Cards?
Frequent Online Shoppers: Credit cards specifically designed for online purchasing are the best choice for those who frequently make online purchases and want to maximise their rewards and savings. These cards offer attractive cashback incentives, discounted rates, and exclusive promotions tailored to individual online spending patterns.
Value-Conscious Consumers: Consumers who prioritise value and aim to get the most out of their online purchases while earning rewards on each transaction can benefit from using online purchasing credit cards. These cards save customers money and offer additional rewards and benefits.
Those Seeking Convenience: Credit cards for online purchases provide a secure and convenient alternative that enables consumers to complete transactions quickly and confidently. Moreover, they offer supplementary benefits and robust security measures to enhance the purchasing experience.
Individuals interested in Additional Perks: Online credit card purchases can provide additional benefits such as accelerated reward points, travel insurance, lounge access, concierge services, cashback rewards, and discounts. Those interested in these supplementary benefits can benefit from online credit card purchases.
