Best Credit Cards for Online Shopping

List of Shopping Credit Cards in India

SBI SimplySave Credit Card

The SimplySAVE credit card offered by SBI is best suited for those who conduct their day-to-day transactions on credit cards. By offering accelerated rewards on popular spending categories such as grocery, movies, dining, etc., the credit card offers maximum benefits.

Features of SBI SimplySave Card

1. Earn 10 times more reward points per Rs.100 spent on  grocery, movies, dining and departmental stores.
2. For every Rs.100 that you spend on any other category, earn one reward point
   
3. Get fuel surcharge waiver of 1% for fuel transactions valued between Rs.500 and Rs.3000 at any petrol pump across India
4. Get 2000 bonus reward points by spending Rs.2000 or more within first 60 days of receiving the card.
5. Offers annual membership fee reversal from second year onwards on spending Rs.1 lakh or more.

HSBC Visa Platinum Credit Card

With a zero joining fee and annual fee offer, the Visa Platinum credit card offered by HSBC provides comprehensive benefits including cashback offers, discounts on travel and dining spends, movie ticket offers, accelerated reward points on category spends, etc.

Features of HSBC Visa Platinum Card

1. Offers Amazon e-gift voucher worth Rs.250 on completing credit card application online and video KYC (Know Your Customer).
2. Customers will earn cashback of Rs.500 on downloading and logging into the HSBC India Mobile App and spend at least Rs.5,000 in the first 30 days of card issuance.
3. Earn two reward points on every Rs.150 spent on the card
4. Customers can convert the air miles with Air India, British Airways, Etihad Airways, and Singapore Airlines.
5. The cardholders will earn 5X rewards on purchase more than Rs.4 lakh of up to a maximum cap of 15,000 accelerated reward points in an anniversary year.
6. Fuel surcharge waiver of up to Rs.3000 on fuel surcharge per credit card waiver.
   

HDFC Bank MoneyBack Plus Credit Card

If you wish to receive cash back on most of your credit card transactions, then the HDFC's MoneyBack credit card is for you. The card allows the users to accumulate reward points and redeem them for cash instead of gifts and rewards.

Features of HDFC Bank MoneyBack Plus Credit Card

1. The card offers 10X CashPoints on spendings at Amazon, Reliance Smart SuperStore, Flipkart, Swiggy, and BigBasket.
2. Per Rs.150 spent on other expenses, the card offers two CashPoints.
3. On spendings of Rs.50,000 per calendar quarter, the card offers Rs.500 gift voucher.
4. Using coupon code HDFCCARDS, the card offers 10% additional discount on Swiggy Dineout.
5. Offers 20% discount on restaurant bills paid via Swiggy Dineout.
   
6. Fuel surcharge waiver of 1% on fuel transactions with a transaction value ranging between Rs.400 to Rs.5000 with a maximum waiver of Rs.250 per statement cycle.
7. On payment of membership fee, the card offers 500 CashPoints.
   1. The card offers a gift voucher worth Rs.500 on spending of Rs.50,000 and more per calendar quarter or gift voucher worth of Rs.2000 in a year.
   2. Offers renewal membership fee waiver on spending Rs.50,000 per year.

Axis Bank Buzz Credit Card

Axis Bank offers Buzz credit card that offers multiple shopping benefits that includes Flipkart vouchers, accelerated reward points, enables customers to convert purchases into EMI and a host of other benefits.

Features of Axis Bank Buzz Credit Card

The following is the list of Axis Bank Buzz credit card:

1. Offers complimentary Flipkart voucher worth Rs.8000 in a year.
2. On making three purchases within the first 45 days, the card offers Flipkart gift voucher worth Rs.1000.
3. From the 1st to 5th of each month, the card offers 10% instant discount on Flipkart.
4. From the 6th to 31st of each month, the card offers 5% instant discount on Flipkart.
5. On every Rs.200, the card offers two Axis EDGE REWARD.
6. The card offers 3x Axis EDGE REWARDS on online shopping.
7. Offers 15% discount on partner restaurants across the country.
8. On milestone spends, the card offers Flipkart gift vouchers worth Rs.7000 annually.
9. Enables users to convert transactions over Rs.2,500 into EMIs.

American Express® Gold Card

American Express Gold Card offers multiple shopping benefits along with other facilities, such as welcome gift, membership reward points, reward on fuel and utility, gold collection and many more.

Features of American Express Gold card

The following is the list of key features of American Express Gold Card:

1. Offers Bonus Membership reward points of 4000 as welcome gift.
2. For every Rs. 50 spent including fuel and utilities spend, the card offers one Membership Reward Points.
3. On making six transactions of Rs.1,000 every calendar month, the card offers 1000 bonus points.
4. On all spending including fuel and utility, the card offers one Membership Reward Point.
5. Enables customers to redeem reward points from the fabulous 18 and 24 Karat Gold Collection.
6. For every Rs. 50 spent except for spends at Insurance and Cash Transactions, the card offers one Membership reward Points.
7. on every purchase through Reward Multiplier, the card offers 5X Membership Reward Points.
8. Offers 20% discount on selected restaurant partners.
9. Offers valuable travel benefits under The Hotel Collection.
10. Offers 0% fuel convenience fee at fuel transaction at HPCL.
11. 24,000 MR points or 24 Karat Gold Collection (any of them)
    1. Amazon voucher worth Rs.8,000
    2. Flipkart voucher worth Rs.8,000
    3. Taj voucher worth Rs.14,000
    4. Reliance Digital voucher worth Rs.8,000
    5. Shoppers Stop voucher worth Rs.10,000
    6. Tata Cliq voucher worth Rs.9,000
    7. Tanishq voucher worth Rs.9,000
12. 18,000 MR points or 18 Karat Gold Collection (any of them)
    1. Myntra voucher worth Rs.7,000
    2. Amazon voucher worth Rs.6,000
    3. Flipkart voucher worth Rs.6,000
    4. Taj voucher worth Rs 9,000
    5. Shoppers Stop voucher worth Rs.7,000
    6. Tata Cliq voucher worth Rs.7,000
    7. Reliance Digital voucher worth Rs.6,000

Axis Bank Neo Credit Card

Axis Bank Neo credit card, a lifetime free credit card, offers the customers various shopping benefits that comes at a cost of Rs.250 as joining fee.

Features of Axis Bank Neo Credit Card

The key features of Axis Bank Neo credit card are listed in the table below:

1. Offers 40% discount on food delivery at Zomato.
2. Offers 5% discount on mobile recharge, broadband payment or DTH recharge on payment via Paytm.
3. Offers 10% discount on minimum spend of Rs.750 on Blinkit.
4. On minimum spend of Rs.999 on selected styles on Myntra, the card offers a discount of Rs.150.
5. On every purchase of movie ticket from BookMyShow, the card offers 10% discount.
6. Offers 15% discount under Axis Bank Dining Delights at partner restaurants across the country.
7. Offers EMI conversion option on transactions of more than Rs.2,500.
8. For every Rs.200 spent on using the card, the cardholders will earn one point.
9. On first utility bill payment within first 30 days of card issuance, the card offers 100% cashback up to Rs.300.
10. Wednesday offers:
    1. 15% discount on booking flights and hotels via Goibibo and Makemytrip.
    2. On orders via Swiggy and Amazon fresh, the card offers 10% off.
    3. Provides discount of 10% up to Rs.1000 on purchases made at Tira.

Types of Shopping Credit Cards In India

The list of different types of shopping credit cards available in India are given in the table below:

How to Apply for Shopping Credit Cards Online?

Applying for a shopping credit card or any credit card has become easy with the online application process. You can choose the credit card that suits your lifestyle requirements and visit the online application page to apply for the same. Mentioned below are two different channels through which you can apply for a shopping credit card online.

Apply through bank's website

The first method is to apply through the respective bank's website. As most banks are accepting credit card applications online, you can initiate your application process using the online medium. Follow the below steps to apply for a shopping credit card through a bank's website.

Steps to apply for a shopping credit card online are given below:

Step 1: Visit the respective bank's website

Step 2: Look for your preferred shopping credit card

Step 3: Click on the card to access detailed information about the card

Step 4: Click on 'Apply' button to submit an online application for the same

Step 5: On the online application page, fill all the required fields with accurate information, read the terms and conditions before accepting and click on 'Submit'

The system will generate an application reference number on successful submission of the application. The bank will take three to four days to review the application and if the details meet the eligibility criteria, you will receive a call informing you about further steps in the application process.

If everything goes well, the bank will take seven to ten days to process the credit card. You can track the status of your application using the application ID through the bank's website.

Apply through Bankbazaar Website

The second and equally authorised channel to apply for a shopping credit card is through BankBazaar website. BankBazaar is a partner service provider to more than 50 banks and offers a comprehensive platform to shop for credit cards and other financial products.

You can find shopping credit cards offered by different banks under one roof, enabling you to compare and choose the best card in the market. Further, you can apply for the same on BankBazaar website. Mentioned below are the steps to apply for a credit card through BankBazaar website.

Steps to apply for a shopping credit card through BankBazaar are given below:

Step 1: Visit Bankbazaar.com

Step 2: Select 'Credit Cards' from the main menu

Step 3: Find your shopping credit card from the list of credit cards

Step 4: Check your eligibility for the card by providing some basic details such as your name, location, income details, etc.

Step 5: If your profile is eligible for the credit card, you will be redirected to online application page. Fill all the required fields with relevant data and click on 'Submit'

The system will generate an Application ID, which can be later used to track the status of your application using BankBazaar's 'Track Application' facility.

Eligibility To Apply For Shopping Credit Cards

1. Applicant should be a citizen of India
2. Salaried or self-employed
3. Should have a decent credit history (Not applicable for first time borrowers)
4. Age of the applicant - Min. 21 years and Max. 60 years

Note: The eligibility criteria for shopping credit cards varies depending on card and card provider.

Documents Required to Apply for Shopping Credit Cards

The documents required to apply for shopping credit cards are mentioned below. Again, since each bank has a different requirement, for bank specific documentation, you need to check with the bank or its website.

1. Copy of identity proof such as Aadhaar card, passport, etc.
2. Copy of address proof document such as Voter's ID, Aadhaar, driving licence, electricity bill, passport, etc., whichever holds your current address
3. PAN card copy
4. Two months salary slips or IT Returns
5. Duly signed in application
6. One passport size photograph

Note: Contact the bank or the credit card provider to know more details about the documents required for a specific credit card.

How to use Credit Card for Online Shopping

E-commerce is a booming market at present, from clothes to groceries to electronics, you name it and you can buy it online. Online purchases usually require you to use your credit card or debit card for making payments. Although it is not a complicated procedure, it is better to have an idea before you proceed. Also, be aware of the credit limit on your card, before going on a spree. The following steps are involved while shopping online using your credit card:

Step 1: Selecting Items for Purchase:

When you want to shop for something online, you first choose the website you want to shop from. It then requires you to select the items you decide to purchase. In this step, you can place your items in a virtual cart or bag. Most websites, usually allow you to click on a tab labelled 'Add to Cart' or 'Add to Bag' against each item that you pick. When you are done selecting all items, you can move to the checkout page of the website.

Step 2: Entering Shipping Information:

The checkout page prompts you to enter details such as shipping address, your contact number, billing address and others. This page also gives you the total bill amount generated by adding all items on your cart. Sometimes your billing address, where you receive your credit card statement may be different from the address where you want your items to be shipped to. Be careful while making this selection.

Step 3: Choosing Payment Method:

The payment page will allow you to select the type of card you wish to make the payment with. The options provided to you are usually - MasterCard, VISA, American Express or Discover. Sometimes the merchant does not have a tie-up with your card and it will not be available for you to choose. In such cases, you will have to change your mode of payment.

Step 4: Entering Name and Credit Card Information:

The site will then ask for your name as in your credit card, along with other credit card information crucial for payment such as - your card number, expiry date on the card and the security code. Some cards also have the security code (three digit) on the back of the card.

Third-party Payments:

Some third party websites like PayPal and Citrus allow you to create an account and register your credit card in their website. This requires you to enter all your credit card information one time and every time you make an online purchase, you will just to have select 'Pay with PayPal' and enter the username and password for PayPal and your online transaction gets through.

Safety and Security:

Online shopping also exposes your credit card to the risk of potential frauds. Always remember the following points during on online shopping free:

1. Shop with reputable retailers
2. Use secure websites by ensuring the website URL starts with “https://” for secure transactions and look for a padlock icon in the address bar as a security indicator.
3. Enable Two-Factor Authentication (2FA) for an extra security layer on your credit card account.
4. Avoid public Wi-Fi for online transactions or entering card details.
5. Use a Virtual Private Network (VPN) for secure browsing.
6. Keep devices and software updated
7. Never share your card’s PIN or CVV
8. Monitor Credit Card Statements for unauthorized or incorrect charges.
9. Report any suspicious transactions to your card issuer immediately.
10. Request a new card if fraudulent activity is detected.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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