In this dynamic world, everyone is looking for the best credit card for online shopping in India. The market is flooded with dozens of credit cards offering heavy discounts and cashback on online shopping. This article at your disposal enables you to choose the best credit cards for online shopping in India. Based on our thorough research on Rewards, membership, and performance of various bank credit cards you can extract maximum benefits out of your online shopping.
Here, we get you the ideal credit cards that provide you extra savings on every single purchase on e-commerce websites.
Best Credit Cards For Online Shopping In India
In this article
We have performed extensive market research to provide you in-depth insights into the most popular credit cards. The credit card offers online shopping are shortlisted by our expert panel based on their annual fee, Rewards, cashback, and joining perks. So let’s have a look at the tabular data.
1.SBI SimplySave Credit Card
SBI SimplySave Credit Card If you conduct your daily transactions using a credit card, then SimplySave is an ideal choice for you. SBI credit card has lucrative offers for all the shopping lovers. It is among the top rankers in the category of best credit cards for online shopping in India. SimplySave credit card offers big savings on groceries, movie tickets, and restaurants but also providing 10 times greater reward points for further spending. Apart from this, on joining you will gain bonus points equivalent to your spending.
Other benefits and unique features of this card are mentioned below:
- Annual fee of Rs 499 get waived off based on yearly expenses
- The customers get a fuel-surcharge waiver of 1% at the petrol station. Else, they can opt for up to Rs 100 per cycle of statement on cash transactions between Rs 500 to Rs 3,000
- ₹100 = 10 Points (For online grocery shopping, dining, and movie ticket booking )
- ₹100 = 1 Point (Other)
- Annual Fee
- Rs 499 for the first year
- Rs 499.for second year onward. Waived in case your annual spends exceeds 1 lakh
- PAN, address proof and ID proof
- Photograph, salary slip
Features
- Fuel Surcharge Waiver : Customers get 1% of fuel surcharge waiver using the card at any fuel station across India
- Reward points: Cardholders can earn Rs 1 as a reward point on every 100 INR spending. You can redeem your reward points by purchasing any gift from the reward catalog or encash your points into money
- Extra reward point: You can earn up to 10 time more reward points on making your card payments for groceries, dining, and departmental stores
- Bonus Reward points: As a new joiner, you can earn 2000 bonus points on online payment of Rs 2000 within 60 days.
2. SBI Simply CLICK Credit Card
The SBI Simply Click Credit Card is the best credit card for Amazon shopping. It has a greater rate of satisfaction among its customer as it offers tempting Rewards on Amazon, Cleartrip, Foodpanda, BookMyShow, and Lenskart purchases. A good illustration of this is, Rs. 500 welcome gift on Amazon. Another advantage that this card holds for you is its 2.50% reward back. These features make it one of the best credit cards for online grocery shopping in India. As a customer, if you are interested in discounts and Rewards and want to spend less on annual fees then this card is a perfect fit for your requirements.
Other benefits and unique features of this card are mentioned below:
- Earn 5 points per Rs 100 on online retailers
- On general spending, you can earn one rupee per Rs 100 spending
- Get 10 reward point for every ₹100 when you use your credit card on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart and UrbanClap
- The expiration date of your reward points is after 2 years
- You will get ₹ 500 gift card on amazon as the sign-up bonus
- If you were able to spend 1 lakh and 2 lakh online annually, you are eligible for ₹ 2,000 Cleartrip voucher
- As new UrbanClap users get up to 40% off with SimplyCLICK SBI Card
- Rs. 100 =10 Reward Point (Online shopping)
- Rs. 100 =5 points (Online retailers)
- Rs. 100 =1 points (general spending)
- Reward redemption rate is 0.25 %
- Unlimited reward points
- Points expire after 2 years
- Annual Fee ₹ 499
- Annual Fee (second year onwards) ₹ 499 (waived if annual spending>1 lakh)
- Card Replacement Fee:₹100
- Rewards Redemption Fee:₹99
- Cash Payment Fee:₹100
- Late Payment Charges ₹ 0 for statement outstanding balance less than or equal to ₹ 200 .₹ 100-750 if the due amount is greater than ₹200 and up to ₹10,000
- PAN, address proof and ID proof
- Photograph, salary slip
- Declaration Form
Features
- Great Reward rates: It offers good reward rates of 10 points per Rs 100 that makes it one of the best credit cards for Amazon shopping. Additionally, the customer can earn a reward rate of 1.25% on other online retailers
- Promotions: Cardholders can take benefits from the best promotional schemes.
- Online shopping: This card is specifically designed for shopping lovers. Its best deal on especially Amazon, Cleartrip, Foodpanda and BookMyShow, Lenskart and UrbanClap.makes it a strong contender amongst best credit card for online shopping in India
- Cash withdrawal facilities: Customer can withdraw up to 80% of the credit limit cash
- Balance transfer: Another important feature of the SBI credit card is its ability to convert the expense of Rs. 2,500 or above into EMIs
3. Axis Bank Buzz Credit Card
Are you are looking for the best axis credit card for online shopping? If your online shopping destination is Flipkart then the Axis Bank Buzz Credit Card suits you the best. Moreover, it offers heavy discounts (10%) during the starting first five days of the month. Apart from this, if you are a new user then buzz credit card offers a sign-up bonus. So, this card is primarily for those who spend their money on Flipkart shopping.
Other benefits and unique features of this card are mentioned below:
- Get 10% off from the 1st to 5th of every month and 5% during the rest of the month
- 6 points per Rs. 200 is the Reward Earn Rate on online shopping
- E-voucher of Rs. 1,000 as Welcome Gift on 3 purchases within 45 days
- As a loyal customer, If you can spend annually ₹ 25,000 then earn ₹ 500 and ₹ 50,000 then earns ₹ 1,000 as Anniversary Bonus
- Rs. 200 =3 Reward Point (Online shopping)
- Rs. 200 =2 points (general spending)
- 5 EDGE points = 1 InterMile = Rs. 45 (Points redemption rate)
- Reward rate of 0.14% on online shopping
- Reward rate of 0.09% on general spending
- Annual Fee:₹ 750
- Annual Fee (second year onwards) :₹ 750
- Income Requirement: None listed by the issuer
- Address proof and ID proof
- Photograph
- Salary slip/ Form 16
- Self Declaration Form
Features
- Heavy discounts: If you are a Flipkart user, then always opt for online purchases in the month starting as Flipkart offers 10% off. This is applicable on all your purchase during the first five days of every month
- Sign up benefits: Axis buzz card user gets Rs 1000 gift voucher on their first three purchase
- Anniversary bonus: Credit cardholders get great benefits in the form of renewal bonuses and anniversary benefits which increase based on spending.
- Dining benefits: Axis Buzz Card owner gets a hefty 15% discount through their Dining Delights Programme on partnered restaurants
4. HDFC Money-Back Credit Card
For those who are looking for a credit card that provides the highest cashback then HDFC MoneyBack Credit Card is a perfect choice. You just have to pay Rs 500 annual fee to get lump sum benefits and cashback. The best thing you will encounter about HDFC Bank is that it offers a credit card to customers without a credit history. This policy makes them unique in the finance market.
Other benefits and unique features of this card are mentioned below:
- Give 2 Reward Points per Rs. 150 spent
- You can easily Earn 2X Rewards for Online Shopping
- One of the best features of this card is that accumulated Rewards can be converted into Cashback
- You can get Fuel Surcharge Waiver at any filling station across India up to Rs. 250 in a month
- 2 reward points = Rs. 150 (all spent)
- 4 reward points =Rs. 150 (online transactions)
- 100 Reward Points = Rs. 20 (Convert Rewards into cashback)
- Rs 500 (The first year, waived if the card is approved within 3 months opening of saving account)
- PAN, address proof and ID proof
- Photograph, salary slip/form 16
Features
- Simplified Reward program: The best feature of the HDFC MoneyBack Credit Card is that its Rewards program is simplified and fulfill everyone’s needs.
- Conversion of Rewards Point into Cashback: Another beneficial feature of this is that you can simply convert the accumulated reward points into cash back. For 100 reward Points, you will get Rs 20 cashback
- Lost card liability: In case of any fraudulent transaction on your card or if your card gets stolen you will get Lost card liability Cover. The thing that you should keep in mind that is early reporting is essential
- Milestone benefits: You are eligible for milestone benefits on your card usage. You will get Rs 500 voucher on the spending of Rs 50,000 in three months.
- Extra privileges: The customer gets extra benefits for its MoneyBack credit cardholders but it varies from one cardholder to another. These benefits include:
- Insta Jumbo Loan
- Smart EMI
- Credit Limit Enhancement
- Add on card
5. Kotak Essentia Platinum Credit Card
This credit card is the best credit card for online grocery shopping in India. It is owing to the fact as it provides the best cashback option for groceries and a top choice for retail spending. For example, you will earn 10% cashback on both groceries and retail shopping. This credit card offers the highest rate for grocery spending that makes it the best credit card for online grocery shopping in India.
Other benefits and unique features of this card are mentioned below:
- 10% cashback on grocery and retail spending
- Spend ₹ 125,000 every 6 months and get 1200 points (Up to 2400 points per year) OR Spend ₹ 125,000 every 6 months and get 6 free PVR tickets (max 12 per year)
- General spending Rewards rate: 0.40%
- 10 points per Rs. 100 spent on both groceries and retail with a maximum cap of Rs. 500
- 1 point per Rs. 250 spent on general spending
- Redemption rate: 1 point = Rs. 1
- Points expire 2 years after accrual
- Joining fee of Rs. 1,499
- Annual fee of Rs. 749
- PAN, address proof and ID proof
- Photograph, salary slip/form 16
Features
- Online grocery shopping: The Kotak Mahindra Essentia Platinum Card offers the highest rates for grocery shopping. The card also offers competitive rates for retail spending.
- High spenders can help offset the Rs. 500 monthly cap on groceries and shopping.
- In terms of a general Rewards rate, the card earns a below-average of 0.40% (1 Saving Points per Rs. 250 spent).
6. Axis Bank Neo
Another debit card that we have included in the list of best credit cards for online shopping in India. It provides a 10% discount on your movie ticket booking through BookMyShow. On redBus it provides the same discount rate. Apart from this it also provides 10% cashback on mobile recharge. It is another one that lies in the category of best axis credit card for online shopping.
- Earn 10% off every time you book a movie ticket through BookMyShow,
- Get 10% off every time you book bus tickets through redBus,
- 10% cashback on mobile recharge through Freecharge mobile app
- 10% off on Myntra purchases of 500 & above.
- 2 points=Rs 200
- 1st Year – 250
- 2nd Year Onwards – 250
- PAN, Address proof, and ID Proof
- One photograph, Salary slip/Form 16
Features
- Highest cashback provider
- You can avail 10% off every time you book a movie ticket through BookMyShow and maximum monthly benefits up to Rs 50
- redBus booking 10% discount every time you book bus tickets and maximum monthly benefits of up to Rs100
- 10% cash back you will get on your mobile recharge through Freecharge mobile app and you can avail monthly benefits of Rs30
- On every Myntra purchases of 500 & above, you can earn 10% off.
What Are The Different Types Of Shopping Credit Cards In Our Country?
One trend that never goes out of fashion is online shopping mode as it offers comfort at our disposal without much effort. Online shopping has increased our desires. Whether we need it or we tend to shop or feel like buying some new stuff. The e-commerce websites are sweetly exploiting this human behavior. Moreover, end season sale or festive offers are further making us impulsive to buy new products.
Below some of the most useful credit card types are mentioned:
1.Shopping credit cards with Cashback
As the name suggests, it provides you some percentage of your spending as a moneyback. However, its amount varies from one retailer to another. These are one of the best credit cards for online shopping in India. Now it’s up to you which credit card you want to use. Just a piece of advice, if you are a loyal customer of one or two brands then you can opt for credit cards that offer cashback on that particular brand.
2.Credit cards offering accelerated Rewards
Instant benefits are not the feature of these cards. They offer accelerated reward points on your regular purchase which can be exchanged for gifts, discounts, and other deals. These kinds of credit cards are the best credit card for online grocery shopping in India.
3.Credit cards with a discount offer
This class of credit card provider offers throughout the year. If you have more inclination towards a particular brand retail store such as lifestyle, trends, and so on, then you can blindly opt for this type of credit card.
Can We Get a Credit Card Without Visiting The Bank?
The answer to this question is a big yes! Now it’s possible. You can apply for a shopping credit card with the online application mode. All you have to do is to select the credit card that suits your lifestyle requirements and visit their online application page to initiate the process.
1.Application Procedure
First of all, visit the respective bank’s official website
- Search for your choice of shopping credit card
- Click on the card to access everything you need to know about the card
- Click on the ‘Apply’ button so that application window open
- On the online application window page, provide all your personal information and submit after reading all the terms and conditions
After completion of the process, the computer system will generate your application reference number. Usually, it will take 3-4 days to review your application afterward you will receive a call informing you regarding the issuance of your shopping credit card. Afterward, you have to wait for the next 7-10 days to get your credit card. You can check your application status using your application ID.
2.Requirements for the applicant of Shopping Credit Cards
Most probably you have to visit your bank’s website to check their requirements. However, the basic requirements are mentioned below:
- Applicant should have Indian citizenship
- Salaried or self-employed
- Decent credit history is also required (Not applicable for first-time borrowers)
- The minimum age to get a credit card is years
3. Documents Required To Apply For Shopping Credit Cards
Documents play a crucial role in the application process of the credit card. Any forged documents lead to rejection of your application. So, always provide correct information. Different banks have a different requirement but here is a list of some basic documents that are required in every bank’s application.
- Proof of ID card such as Aadhaar card, passport, etc.
- Copy of current residential address such as Voter’s ID, Aadhaar, etc
- PAN card copy
- Salary slips of Two months or IT Return
- The application form should be signed
- Passport size photograph
Selection of best Credit Card for online shopping
Well! Different age groups have different online shopping requirements. For instance, working men and women are more interested in office apparel or comfortable clothing and luxury watches. On the other hand, a new mother will be interested in buying diapers, toys for her baby. While some may be looking for the best credit card for Amazon shopping and others may want to buy trendy clothing from Myntra. So, based on the requirement every person has different criteria for the selection of credit cards. We have categorized the shopping credit cards based on what you are looking for. You may choose the best that suits you.
- Annual Fee
- Welcome Gift/Sign-up Bonus
- Cashback/Rewards
- Other terms and conditions
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