Welcome, my fellow shopaholics, to the ultimate guide for online shopping credit cards in India for 2023.
As much as we love the convenience of online shopping, let’s face it – it can be a real pain to enter our payment information every time we make a purchase. That’s where credit cards come in – they make online shopping a breeze and offer some great rewards and benefits to boot.
Without further ado, let’s dive into the 5 best credit card for online shopping in India for 2023.
Best Credit Card for Online Shopping
Let’s start with the first credit card on our list
The Flipkart Axis Bank Credit Card is perfect for online shopping enthusiasts, who love to splurge on Flipkart and Myntra. With this card, you can get a 5% cashback on your purchases from Flipkart and Myntra.
But wait, that’s not all! You also get a 4% cashback on purchases made on Cure.fit, Swiggy, PVR, and Uber.
But hey, what if you want to shop somewhere else?
Don’t worry, you still get a 1.5% cashback on other categories. And if that’s not enough,
you get Rs. 2,900 worth of joining and activation benefits from Flipkart, Myntra, and Swiggy. That’s a lot of benefits, right?
You also get 4 complimentary domestic lounge visits every year, so you can chill like a boss while waiting for your flight.
And if you’re worried about fuel surcharges, the Flipkart Axis Bank Credit Card has got you covered with a 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000.
But hey, no credit card is perfect, and the Flipkart Axis Bank Credit Card does come with some limitations and fees. The annual fee is Rs. 500, which is waived off if you spend Rs. 2,000 within the first 45 days of card issuance.
Overall, the Flipkart Axis Bank Credit Card is a great choice for online shopping lovers, especially if you’re a frequent shopper at Flipkart and Myntra.
If you are a shopaholic and an Amazon fanatic, the Amazon Pay ICICI Bank Credit Card is the perfect match for you. Here are some of its key features:
- A welcome gift of a Rs. 500 Amazon gift voucher
- 5% cashback on Amazon for Prime members and 3% for non-Prime members
- 2% cashback on 100+ partner merchants of Amazon
- 1% cashback on all other transactions
- Reward points can be converted to Amazon Pay balance
- No joining or annual fee
With this card, you can shop to your heart’s content on Amazon and save big. Plus, who doesn’t love a good gift voucher as a welcome gift?
Just make sure to pay your bills on time, or else you’ll end up with a balance that’s bigger than the Amazon rainforest!
If you are looking for a credit card that offers great benefits for everyday expenses, the SBI SimplySAVE Credit Card is a strong contender. Here are some of its key features:
- 10 reward points per Rs. 100 spent on dining, movies, groceries, and departmental stores
- 1 reward point per Rs. 100 spent on other categories
- Reward points can be redeemed for gift vouchers, merchandise, or cashback
- Annual fee of Rs. 499, waived off on spending Rs. 1 lakh or more in a year
- Fuel surcharge waiver of 1% on transactions above Rs. 500
This card is perfect for those who want to earn rewards while going about their daily routine. Plus, the annual fee is pretty reasonable, and can be waived off with enough spending.
This card comes with an annual fee of Rs. 499, but it’s waived off if you spend Rs. 1,00,000 or more in a year. So get shopping, folks!
Just don’t go overboard on the dining and movies, or else you might end up broke before you know it!
Stay tuned for more credit card recommendations – up next, we’ll be talking about the Standard Chartered DigiSmart Credit Card.
If you are looking for a credit card that offers great rewards and cashback offers for online shopping, the Standard Chartered Digismart Credit Card is definitely worth considering. Here are some of the key benefits and features of this card:
Benefits and Features:
- No annual fee: Instead of an annual fee, the card charges a very low monthly fee of Rs. 49, which amounts to Rs. 588 when calculated annually.
- Welcome offer: As a welcome offer, you can get Rs.500 cashback on your first transaction within 45 days of card activation.
- Cashback on online spends: You can earn 1% cashback on all online spends, including online shopping, bill payments, and more.
- Fuel surcharge waiver: You can enjoy a fuel surcharge waiver of up to Rs.200 per month at any petrol pump in India.
- Easy EMI options: You can convert your big purchases into easy EMIs and pay them back in smaller instalments.
- Contactless payment: You can make contactless payments up to Rs.2,000 using this credit card for a faster and more convenient checkout experience.
Rewards and Cashback Offers: The Standard Chartered Digismart Credit Card offers a range of rewards and cashback offers for online shopping and other categories:
- 20% off on Myntra: Get a 20% discount on your Myntra purchases with this credit card.
- 10% off on grocery shopping from Grofers (now Blinkit): Get a 10% discount on your grocery shopping from Grofers, now Blinkit, with this credit card.
- 10% discount on Zomato with a maximum discount of Rs.150: Get a 10% discount on your Zomato orders, with a maximum discount of Rs.150 per transaction.
- BOGO offer on movie tickets at INOX: Buy one movie ticket and get one free at INOX cinemas.
- Up to 25% off on travel bookings via Yatra: Get up to 25% off on your travel bookings made via Yatra.com with this credit card.
- 15% cashback on Ola rides with maximum cashback of Rs.600: Get a 15% cashback on your Ola rides, with a maximum cashback of Rs.600 per month.
Limitations and Fees: While the Standard Chartered Digismart Credit Card offers many benefits and rewards, it’s important to note the following limitations and fees:
- Minimum income requirement: To be eligible for this credit card, you need to have a minimum income of Rs.25,000 per month.
- Cashback cap: The cashback you can earn on your online spends is capped at Rs.500 per month.
- Foreign transaction fee: This credit card charges a foreign transaction fee of 3.5% on any transactions made outside India.
- Late payment fee: If you don’t pay your credit card bill on time, you may be charged a late payment fee of up to Rs.600.
Overall, the Standard Chartered Digismart Credit Card is a great option for those who want to earn cashback and rewards on their online shopping and other transactions, while also enjoying a range of other benefits and features.
Shopping online has become a way of life, and it only makes sense to have a credit card that rewards you for it. Enter the HDFC Moneyback Credit Card. This card offers a host of benefits that make it an attractive option for online shoppers.
With the HDFC Moneyback Credit Card, you can earn reward points on all your transactions – online and offline.
For every Rs. 150 spent across all categories, you earn 2 reward points, while for online transactions, you earn 4 reward points for every Rs. 150 spent.
What’s more, you can convert your reward points into cashback. For every 1 reward point, you get Rs. 0.20 cashback.
This credit card also offers other benefits that make it an even better choice. You get a welcome benefit of 500 cash points at the time of joining after the payment of membership fee.
The card also provides a fuel surcharge waiver of 1% (max cashback of Rs. 250) on a minimum transaction of Rs. 400.
And if you happen to lose your card or find any fraudulent transactions on it, report it immediately to avail of the zero lost card liability facility.
Fees and Charges The HDFC Moneyback Credit Card doesn’t come with an annual fee. Instead, it has a renewal fee of Rs. 500, which can be waived off by meeting the required spend criteria.
Our Best Pick
After careful research and analysis, we have found that the Flipkart Axis Bank Credit Card and the Amazon Pay ICICI Bank Credit Card are the top picks for online shopping in India. With their unbeatable rewards, cashback offers, and low fees, these two credit cards provide the best value for your money.
Choosing the right credit card for online shopping is crucial to maximize rewards and cashback while also ensuring security and convenience. We have discussed the top 5 credit cards for online shopping in India for 2023, highlighting their benefits, rewards, and limitations. Ultimately, the best credit card for online shopping depends on your personal needs and preferences, so do your own research and choose wisely.
Frequently Asked Questions (FAQs)
Which type of card is best for online shopping?
Generally, credit cards are the best type of card for online shopping as they offer better fraud protection and easier dispute resolution compared to debit cards.
Which is the best credit card to purchase?
Flipkart Axis Bank Credit Card and the Amazon Pay ICICI Bank Credit Card are the top picks for online shopping in India.
Which credit card is best for daily use?
Look for a credit card that offers rewards or cashback for your most frequent purchases. Also, consider the annual fees and interest rates before selecting a credit card.
What is the safest credit card to use online?
All major credit cards offer security features such as fraud protection and zero liability for unauthorized transactions. However, it’s always best to practice safe online shopping habits and protect your personal information.
Which credit card for Amazon?
The Amazon Pay ICICI Bank Credit Card is a popular choice for frequent Amazon shoppers as it offers cashback and rewards for Amazon purchases.
Is flipkart Axis credit card good?
Yes, the Flipkart Axis Bank Credit Card offers great rewards and cashback offers for online shopping, especially on Flipkart.
Which bank is No 1 in credit card?
As of 2023, HDFC Bank is the leading credit card issuer in India.