Nowadays, online shopping is growing very fast and online shopping has become a part of our daily life. Be it household groceries or clothes for yourself, everything is available to you with just one click. But if you purchase your goods with a right credit card, then you can get the same goods at an even lower price and get many rewards too.
With a credit card, you can not only make payments but can also get extra benefits like cashback, rewards and discounts. For those who do regular online shopping, a right credit card can be very beneficial.
In this article, we will tell you about some such credit cards which will help you in shopping online. Along with this, we will tell you how you can get maximum benefits from your credit card.
Key Features to Look for Best Credit Cards for Online Shopping in India
Whenever you choose a credit card for online shopping, you need to pay attention to some special features. These features will make your shopping experience secure and rewarding. Let’s discuss some such important features.
- Rewards Programs: The more rewards or cashback your credit card offers on your purchases, the more beneficial it is for you. Some credit cards offer more rewards on specific categories like fashion or electronic shopping. You should choose a card that is right for your purchases.
- Security Features: Along with good cashback and rewards, security is also equally important in a credit card, otherwise hackers will steal your money. Before getting a credit card, it is important to see that it offers fraud protection, zero liability on unauthorized transactions, and advanced security features like OTP verification or two-factor authentication.
- Cashback Offers: Many credit cards offer flat cashback on online shopping. With this, you get back some part of your expenditure in the form of cashback.
- Interest Rates aur Fees: It is very important to check the APR (Annual Percentage Rate) and annual fee of the card before getting a credit card, otherwise you will have to face trouble later. If you do not clear your credit card balance regularly, you will have to pay high interest.
- Exclusive Partnerships: Some credit cards like Axis Bank Credit Card have partnerships with popular e-commerce websites like Flipkart, which may give you extra discounts or special offers on specific websites. If you shop a lot from a particular website, then you must check this before getting a credit card.
Credit Cards for Online Shopping (List)
So now let us know about some such credit cards which are best for your online shopping. Each has its own specific features, you have to choose according to your convenience.
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HDFC Bank Millennia Credit Card
- Best for: High cashback on online transactions.
- Features:
- 5% cashback on Amazon, Flipkart, Myntra aur other partner websites.
- Annual fee waiver if annual spend is more than ₹1 lakh
- 1% cashback on all other spends
- Pros:
- More cashback on popular e-commerce websites
- No-cost EMI options available
- Cons:
- High annual fee if spending limit is not reached
-
Amazon Pay ICICI Credit Card
- Best for: For Amazon shoppers
- Features:
- 5% cashback for Amazon Prime members
- 3% cashback for non-Prime members
- 1% cashback on all other transactions
- No annual or joining fee
- Pros:
- No annual fee, lifelong free card
- High cashback rewards for Amazon users
- Cons:
- There is no extra benefit on other e-commerce platforms
- SBI Simply CLICK Credit Card
- Best for: Regular online shoppers
- Features:
- 10x rewards points on online spends with partner websites like Amazon, Cleartrip, BookMyShow
- 5x rewards points on all other online spends
- ₹500 Amazon gift voucher on joining
- Pros:
- High rewards points on various e-commerce platforms
- Affordable annual fee
- Cons:
- Limited cashback options, redemption of rewards points is restricted
-
Axis Bank ACE Credit Card
- Best for: Cashback lovers
- Features:
- 5% cashback on Google Pay, Swiggy, Zomato, Ola
- 2% cashback on all other transactions
- No limit on maximum cashback
- Pros:
- Flat cashback on multiple categories
- No upper limit on cashback earnings
- Cons:
- There are fixed cycles for cashback redemption
-
Citi Cashback Credit Card
- Best for: Simple cashback on all online purchases
- Features:
- 5% cashback on movie ticket bookings
- 5% cashback on telephone bill payments and utility bills
- 0.5% cashback on all other spends
- Pros:
- Simple and straightforward cashback scheme
- Automatic cashback credit in the statement
- Cons:
- Relatively low cashback on general purchases
-
Flipkart Axis Bank Credit Card
- Best for: Flipkart and Myntra shoppers
- Features:
- 5% unlimited cashback on Flipkart and Myntra
- 4% cashback on preferred partners like Swiggy, Uber, PVR
- 1.5% cashback on all other spends
- Complimentary access to domestic airport lounges
- Pros:
- High cashback on Flipkart, Myntra and partner websites
- Free lounge access
- Cons:
- Limited cashback benefits on other e-commerce platforms
How to Choose the Right Credit Card for Your Online Shopping Habits
You should choose your credit card according to your shopping habits. Since not every credit card is best for every user, you should choose your credit card according to your needs.
- Understand your shopping patterns: First you have to analyze your shopping habits. You have to see if you shop more from a particular website like Amazon or Flipkart. Then it will be more beneficial for you to choose a credit card that gives special offers on those websites.
- Rewards vs Cashback: Do you want rewards on your shopping or direct cashback? If you want rewards like travel vouchers, food vouchers then you should go with those credit cards and if you want direct cashback on your purchases then you should choose such credit cards which give cashback.
- Annual Fees and Hidden Charges: Every credit card has different charges and annual fees. You should choose a card which has low annual fees. There are some credit cards available in the market which have high annual fees and also give more rewards. If your spending is high then such a credit card will be better for you.
- Compute the interest rate: If you do not clear your credit card balance on a regular basis, it is essential to consider the interest rate. Cards with high annual percentage rates (APRs) can incur significant interest charges, which may increase the overall cost of your shopping experience. Therefore, it is advisable to focus on low-interest credit cards if you are unable to make full payments.
- Exclusive Offers and Partnerships: Certain credit cards collaborate with particular websites or brands, providing additional discounts or exclusive deals on those platforms. If you frequently shop on popular e-commerce sites like Flipkart or Amazon, these cards can be quite advantageous for you.
- Customer Service and Support: It’s important to have not just great rewards and cashback with your credit card, but also excellent customer support. Issues can come up during online transactions, like payment failures or fraud concerns. Therefore, it’s wise to select a credit card that offers 24/7 customer support, fast dispute resolution, and strong fraud protection measures.
Tips for Maximizing Credit Card Benefits for Online Shopping
If you use your credit card correctly while shopping, then you can get maximum benefit from your credit card. Let’s know about some such tips.
- Make the best use of Cashback and Rewards Points: If your credit card gives rewards, then you can use them properly. Check at the end of every month or quarter how many points or cashback you have accumulated. You can redeem the collected points in the form of vouchers for your travel or next shopping.
- Take more benefit in festive sales and special events: During festive seasons like Diwali and New Year, many e-commerce websites offer extra discounts on credit card purchases. You can take advantage of these discounts. If you don’t have any purchases in this festive season, you can avail this discount by purchasing others goods.
- Timely Bill Payments se Extra Benefits Le: Making sure to pay your credit card bill on time can boost your credit score and often comes with added perks like rewards or cashback for being punctual. On the flip side, if you miss a payment, you could end up facing interest charges and late fees, which can eat into your savings. This is why it’s essential to stay on top of your bills regularly.
- Use Promo Codes and Coupon Codes: Shopping websites frequently provide promo or coupon codes for certain credit cards that can lead to additional savings. Before making a purchase online, it’s a good idea to see if there are any promo codes available for your card. These codes can enhance your savings beyond the usual discounts.
- Right Combination of Multiple Cards: When you have multiple credit cards, it’s wise to use them strategically. For instance, one card might provide great cashback on groceries, while another could be ideal for purchases in electronics or fashion. By selecting the right card for each category, you can maximize your rewards.
Security Tips for Using Credit Cards Online
Nowadays online scams have happened a lot and every year many people are falling prey to online scams, so it is important for you to keep some things in mind, otherwise you too can become a victim of online scams. Some tips are given below, follow them
- Shop only on secure websites
- Enable Two-Factor Authentication
- Avoid saving credit card details
- Check statements regularly
- Use Strong Passwords and PINs
- Enable Alerts and Notifications
- Use Trusted Payment Methods
Conclusion
Finding the perfect credit card for online shopping can enhance your experience and make it more enjoyable. Since everyone’s preferences and shopping behaviors vary, it’s important to select a credit card that aligns with your spending habits, rewards, cashback options, fees, and security features. By following these tips and recommendations, you’ll be well-equipped to choose the ideal credit card and maximize its benefits. Remember to use your credit card wisely and securely to steer clear of fraud and extra charges. Enjoy your shopping!
FAQs
Q1. Which credit card is best for online shopping in India?
Ans: The best credit card for online shopping depends on your shopping patterns. If you shop more on specific platforms like Amazon or Flipkart, then Amazon Pay ICICI Card or Flipkart Axis Bank Credit Card may be the best options. For general cashback and rewards, SBI Simply CLICK and HDFC Millennia Card are also good.
Q2. Is there a difference between cashback and rewards credit cards?
Ans: Yes, in cashback cards you get direct cashback for shopping which gets adjusted in your credit card bill. In rewards credit cards you get points on shopping which you can redeem for travel, vouchers, or gifts.
Q3: Is online shopping with credit card safe?
Ans: If you shop on secure websites, use two-factor authentication, and do not save your card details, then online shopping can be safe. It is also important to check your card statement regularly and use strong passwords.
Q4: Can I use my credit card on multiple websites?
Ans: Yes, you can use your credit card on multiple websites. But ensure that the websites are trusted and secure, and always check for the “https://” prefix. Avoid online transactions when using public Wi-Fi.
Q5: Is it worth taking advantage of no-cost EMI offers?
Ans: If you are buying high-value items like electronics, gadgets, or appliances, no-cost EMI can be a good option. It gives you the opportunity to pay in interest-free installments, which helps you manage your budget better.
Q6: Is the annual fee of the credit card important?
Ans: Yes, the annual fee of the credit card is an important factor. Some cards have a high annual fee but also offer more rewards and cashback. If your annual spend is high, high-fee cards can be quite beneficial. However, there are many low-fee or zero-fee cards available that offer good cashback and rewards.
Q7: How can I avoid credit card fraud?
Ans: To avoid fraud, always enable two-factor authentication, avoid shopping on public Wi-Fi, and set alerts and notifications for your credit card transactions. Check your card statement regularly and take immediate action on any suspicious activity.
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