10 Best Credit Cards for Online Shopping – Features, Benefits and Fees
In today’s day and age, everyone shops online for the smallest things to make their lives convenient. Starting from buying groceries online to buying clothes and accessories, we tend to prefer buying from e-commerce websites from the comfort of our homes. Moreover, for some individuals, shopping can be a therapeutic experience. From daily spending to major purchases, people tend to use the best credit cards for online shopping.
This is because it enables one to save money, and is also a safe option. If you are one of those who love to shop online and want to save money with each transaction, then use credit cards for each purchase.
Scroll down to know about the best credit cards for online shopping!
List of 10 Best Credit Cards for Online Shopping
Having a credit card that rewards you each time you shop online can be extremely advantageous in the long run. Here’s a list of the best credit cards for online shopping.
1. Axis Bank Ace Credit Card
This credit card is considered one of India’s best credit cards for online shopping as it offers the highest cashback on all transactions, i.e., 2%.
- Annual Fee: Rs.499
- Features:
- 5% cashback initiated via Google Pay on every bill payment like mobile and DTH recharge.
- Individuals can avail of 4% cashback on Swiggy, Zomato and Ola.
- There is no upper limit for earning cashback.
- One can get up to 20% off at 4000+ participating restaurants
- Individuals can get a 1% fuel surcharge waiver on all petrol pumps if they pay via this credit card.
- In a year, one can get 4 domestic lounge visits
2. Flipkart Axis Bank Credit Card
Axis Bank’s Flipkart credit card is best suited for shoppers who like to shop often from Flipkart. It gives the second-highest cashback rates after Axis Bank Ace credit card. Further, they have many partners like Myntra, Swiggy and PVR.
- Annual Fee: Rs.500
- Features:
- Cashbacks:
- 5% on Flipkart, Myntra and 2GUD
- 4% on Swiggy, Uber, PVR and Cure.fit
- 1.5% cashback on all categories
- Individuals get a joining benefit worth Rs.2900 from e-commerce websites like Myntra, Flipkart and Swiggy.
- Cashbacks:
3. ICICI Amazon Pay Credit Card
The ICICI Amazon Pay credit card is an extremely popular card amongst shoppers. It is the best card for shopping online on Amazon, but it is not limited to only that particular e-commerce website.
- Annual Fee: NA
- Features:
- This is a lifetime free credit card, i.e., it comes with zero annual fees.
- It offers no-cost EMI for all purchases over Rs.3000 for 3- 6 months.
- Provides 5% cashback for all Prime customers while shopping on Amazon.
- Further, non-Prime members get 3% cashback while purchasing something from the website.
- 2% cashback on buying products from 100+ Amazon partner merchants.
- 1% cashback on all purchases
- 15% discount on all ICICI bank partner restaurants
- 1% fuel surcharge waiver on all petrol station
4. SBI SimplyClick Credit Card
It allows 80% withdrawal of the credit limit to its users. In addition, it offers 10X rewards to its users on shopping from websites like Amazon, BookMyShow, NetMeds, Cleartrip, etc.
- Annual Fee: Rs.499
- Features:
- 5% of reward points on online transactions from all online merchants
- Users will get Rs.500 Amazon gift vouchers as a welcome gift.
- 5 rewards on every Rs.100 purchase made online
- Users can get e-vouchers worth Rs.2000 from Cleartrip on reaching a spending milestone of Rs.1 Lakh and 2 Lakh.
5. HDFC Moneyback Credit Card
This card is apt for first-time credit card users as the annual fee is not much, and there are no conditions on online transactions. Further, the user can redeem points for cashback.
- Annual Fee: Rs.500
- Features:
- Individuals will be offered 500 rewards as a welcome gift.
- 2X reward points on every Rs.150 spent on an online purchase
- Further, users can convert accumulated rewards to cashback (100 points= Rs.20)
6. HDFC Millennia Credit Card
As the name suggests, this credit card caters to the needs of all millennial shoppers who like to spend money on their online shopping purchases. In addition, it offers exclusive benefits to the users.
- Annual Fee: Rs.1000
- Features:
- Users will receive 1000 reward points on membership payment.
- Additionally, Rs.1000 gift vouchers will be offered to the member on spending Rs.1 lakh every calendar quarter.
- 5% cashback from Amazon & Flipkart and flight and hotel bookings via PayZapp and SmartBuy.
- Further, members will receive 2.5% cashback on all online purchases.
- 1% cashback on wallet reloads
- 8 complimentary domestic lounge access every financial year, i.e., 2 per quarter
7. Amex Membership Rewards Credit Card
Amex credit cards come with many benefits, and users can save a lot from their shopping wallets. It will offer 2000 bonus reward points to its members when they spend Rs.5000 within 90 days from card activation.
- Annual Fee: Rs.1000
- Features:
- Users will get a 100% fee waiver on renewal if they spend Rs.1.5 lakh
- On the other hand, one can receive a 50% fee waiver on membership renewal if one spends between Rs.90,000 and Rs.1,49,999.
8. HDFC Regalia Credit Card
It is a premium credit card and caters to luxury purchases. Further, this card offers 4 reward points on every Rs.150 purchase and 10,000 reward points on the expenditure of Rs.5 lakh.
- Annual Fee: Rs.2500
- Features:
- Users will get a Zomato Gold membership as a welcome offer
- Renewal benefits are 2500 points every year
- Additionally, the bank will not charge any annual fee if the user spends Rs.3 lakh in the previous financial year.
9. Standard Chartered DigiSmart Credit Card
This is an all-in-one credit card and is specifically designed to suit the needs of individuals mostly shopping online. Moreover, it discounts popular brands like Zomato, Yatra, Myntra, Grofers (now BlinkIt), INOX and OLA.
- Annual Fee: Rs.49 per month
- Features:
- Users get 20% on products purchases from Myntra
- 10% off on grocery shopping from Grofers (now Blinkit)
- Maximum Rs.150 off on orders from Zomato
- Members can avail of up to 25% off on travel bookings via Yatra
- Maximum cashback of Rs 600 on all Ola rides
10. SBI Card Prime
It is a premium credit card; however, it offers many benefits. Members can avail of offers and cashback on various categories like travel, shopping, fuel, movies and entertainment, etc.
- Annual Fee: Rs.2999
- Features:
- Rs.3000 gifts vouchers from famous brands like Yatra, Bata, Hush Puppies, Shoppers Stop and Aditya Birla Fashion
- Users will get 20 reward points for every Rs 100 to spend on standing instructions on utility bills
- Members will receive 20 reward points for every Rs 100 spent on a birthday
- Complimentary Vistara Club Membership
Also Read
What to Look for in Credit Cards for Online Shopping?
A shopping credit card has many benefits for people who love to shop online. These cards generally have an array of advantages that benefit the shoppers.
Some of the major requirements that one should look at are as follows:
- Exclusive discounts
- Special offers
- Cashback offers
- Vouchers
- Exclusive discounts
- Conversion of big purchases into EMIs
- Bonus reward points
- Accelerated reward points
- Discounts on air travel and hotel booking
- Discounts at partner brands
Final Word
Online shopping is thriving more than physical shopping these days. Hence, shoppers must know about the best credit card for online shopping to get lucrative offers and discounts. Also, it is a good option to subscribe to such credit cards. However, please do remember to pay off your credit card bills on time and maintain an appropriate credit score.
FAQs
Ans: Credit cards like HDFC Moneyback Credit Card, IndusInd Bank Pioneer Legacy Card, and ICICI Amazon Pay Credit Card are some of the best credit cards for first-time users. The annual fee is less, and some cards even offer zero annual fees. Further, they also have a lot of additional benefits.
Ans: SBI SimpleSave credit card is a great card for salaried individuals. The annual fee is just Rs.499, and it is accepted in over 2.4 crore outlets worldwide. Moreover, new customers receive 2000 reward points on purchases within the first two months.
Ans: An individual needs to earn between Rs.1 lakh to Rs 3 lakh. Further, the person should be more than 18 years of age and be salaried or self-employed.
Ans: Yes, students can get credit cards from specific banks. The most popular student credit card is the SBI Student Plus Advantage Card that the SBI bank offers its student customers when they avail an education loan from them. Moreover, one does need to pay any joining or annual fee for this card.
Ans: Fuel prices are constantly fluctuating, and to save on your fuel expenses, you should use a credit card. Some of the best fuel credit cards in India are:
– IndianOil Citi Platinum Card
– IndianOil HDFC Bank Credit Card
– HDFC MoneyBack Credit Card
– ICICI Bank HPCL Coral credit card
Disclaimer
This article is solely for educational purposes. Navi doesn't take any responsibility for the information or claims made in the blog.
