10 Best Credit Cards for Online Shopping in India

If you are a shopping enthusiast then you will definitely love the idea of getting cash back or rewards for the money spent. What is even better, if you can purchase without having to step out of the house. This has become possible with development of e commerce in India.

The common medium for the payment of online purchases has been the credit card and the debit cards. Even banks have understood the need of the people and have designed exclusive cards attracting customers with reward points, cash back, gift vouchers, discounts and many others benefits. They have tie ups with online websites like flipkart, Snap deal, Amazon and many more which are some of the popular online shopping websites in India.

Why is online shopping so popular in India

  • Online shopping gives more option to the customers in terms of brands.
  • Prices can be compared easily from one website to another which saves a lot of time.
  • You find more discounts and cash back benefit in online shopping than in retail outlets.
  • Customers get easy accessibility from computer and mobiles.
  • The reviews are also for the customers when making purchases.

Here are some of the top credit cards that are apt for online shopping.

1. SBI Simply Click

SBI Simply Click is a card that is truly for online shopping. They have partnered with Amazon India, Bookmyshow, Foodpanda, Lenskart, FabFurnish, Cleartrip and Ola Cabs offering some good rewards and cash back benefit.

Features
  • Rewards – 5x times rewards for online purchases.
  • Bonus offers -Welcome gift of Rs 500 from Amazon
  • APR Rate – 40.20%
  • Joining  Fee – Rs.499
  • Annual Fee – Rs.499
  • Cash withdrawal – Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
  • Interest free credit period – 20-50 days.
Eligibility
  • Need to furnish identity proof, address proof and income proof
  • Eligibility is based on the income and the employment of the applicant.
Benefits
  • As a welcome gift you get Rs 500 gift voucher from Amazon.
  • Earn 5x times rewards for online purchases.
  • Make 10x times rewards for online purchases on collaborated brands.
  • On annual spend of 1 lakh you will get a e voucher worth Rs 2000.
  • Fuel surcharge waiver up to 2.5% for expenses between Rs 500-3000.
  • The annual fee will be reversed on annual spend of Rs 1 lakh.
Drawbacks
  • The APR is slightly on the higher end at 40.2%per annum.
  • Citibank Rewards Card and HDFC Solitaire are charging only 39% per annum.

Summary

The SBI Click is a great card for making your online purchases. The shopping vouchers that accompany it are just the added benefits that make it even more interesting. On spending 1 lakh annually you will get an e-voucher worth Rs 2000 which is not a high target. On the whole if you make all shopping with this credit card you can truly benefit.

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2. ICICI Coral American Express Credit Card

ICICI Coral Credit card is apt for your online shopping and its low annual fee would be the highlight. It comes with several shopping treats and with numerous cash rewards. This card comes under the Gemstone collection and is powered by ICICI’s exclusive lifestyle privileges.

Features
  • Rewards – 50% reward points on online spends.
  • Bonus offers – A welcome gift from Provogue worth Rs 999.
  • APR Rate – 40.80% annually
  • Joining  Fee – Rs.100
  • Annual Fee – Rs.500
  • Cash withdrawal – 2.5% of the advance amount or a minimum of Rs 300.
  • Interest free credit period – 18 – 48 days.
Eligibility
  • Minimum age is 23 and the add-on cardholder must be 18 years of age.
  • Salaried professionals above 45000 monthly and business professionals with a 5.4 lakhs annually in their IT returns.
Benefits
  • Get 50% reward points on online spends.
  • A welcome gift from Provogue worth Rs 999.
  • The bank has a culinary treat program that offers 15% savings on dining bills at over 800 restaurants across India.
  • 2 domestic airport lounge visit every quarter.
  • Earn 4 points on every purchase of Rs 100 on dining, supermarkets and groceries and 2 points for Rs 100 spent on other transactions.
  • Get movie tickets from bookmyshow.com under buy 1 and get 1 free.
Drawbacks
  • The eligibility criteria requires the applicant to get a minimum salary of 45000 monthly which makes it difficult for many to get access to the card.
  • The APR is high at 40.8%per annum. The Indian Oil Platinum Citi Credit Card is offering at 39% which is not low but comparatively better.

Summary

The ICICI Coral credit Card comes with an attractive welcome gift. The cardholders can earn reward points form the online spends. You can make payback points from all the purchases made using the card. Later redeem them for gifts or vouchers.

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Also read >  Axis Bank My Choice Credit Card Review

3. Snap Deal HDFC Card

HDFC has collaborated with snap deal and comes with numerous deals as well as discounts. The card comes with rewards points, cashback and other exciting offers which is available to the cardholder.

Features
  • Rewards – 10 reward points on Rs 150 at snapdeal.
  • Bonus offers – 2 reward points on Rs 150 spent.
  • APR Rate – 40.80% annually
  • Joining  Fee – Rs.500
  • Annual Fee – Rs.500
  • Cash withdrawal – Rs. 300 or 2.5% of the amount withdrawn, whichever is higher.
  • Interest free credit period – 50 days.
Eligibility
  • Applicant must be between the ages of 21-60 years.
  • Need to furnish identity, address and income proof.
Benefits
  • 10 reward points on Rs 150 spent on snap deal website.
  • Get instant 5% discount on snap deal spends.
  • 2 reward points on Rs 150 spent.
  • Fuel Surcharge Waiver capped at 250 every billing cycle.
  • You can redeem your points for snap deal vouchers.
Drawbacks
  • The card gives exclusive benefits from snap deal website. So unless you make all purchases from this website you may not benefit.
  • This card gives 10 points for Rs 150 while First Citizen Citibank Titanium Credit Card offers 7 points on Rs 100 spent at shopper stop website which is much better.

Summary

This card offers discounts and vouchers more with snap deal. But you can also earn reward points from other purchases too. You get up to 2 reward points on Rs 150 spent. All points accumulated can be redeemed for snap deal vouchers.

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4. First Citizen Citibank Titanium Credit Card

This is co-branded credit card that offers cardholders merchandise discounts or rewards points. You can take advantage of the best offers from retail stores or even online websites. Apart from this the other privileges include welcome offer, membership options and easy redemption process.

Features
  • Rewards – 7 reward points for every Rs 100 spent at Shopper’s Stop.
  • Bonus offers – Redeem your points for gift vouchers
  • APR Rate – 3.5% per month
  • Joining  Fee – Rs.500
  • Annual Fee – Rs.500
  • Cash withdrawal – Depending on the credit limit
  • Interest free credit period – 17 – 23 days.
Eligibility
  • The applicant must be 18 years of age and must be resident Indian.
  • Must furnish income, address and identity proof.
Benefits
  • Two gift vouchers worth Rs 250 as a joining gift.
  • Another welcome gift of Rs 500 from shoppers stop website.
  • 7 reward points for every Rs 100 spent at ShoppersStop
  • 15% discount on making purchases from ShoppersStop over Rs 2000.
  • No annual fee if the annual spend is more than Rs 30000
  • You can redeem your points instantly at shopper stop counters. You can also redeem your points for gift vouchers.
Drawbacks
  • It has tie up with shopper stop website so you can benefit more if you are a regular from this website.

Summary

People who love shopping will definitely benefit from this card. You get vouchers and special coupon for Rs 500 from shoppers stop as welcome gift. The annual charges will also be waived off once you spend Rs 30000 in a year which is not very high amount.

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5. Indian Oil Platinum Citi Credit Card

The Citi bank credit card gives you the benefit of people who love to shop and travel It has good deals and rewards on fuel transactions too.

Features
  • Rewards – 4 Turbo points for every Rs.150 spent online.
  • Bonus offers – Redeem your points for gift vouchers
  • APR Rate – 39% per month
  • Joining  Fee – Rs.1,000
  • Annual Fee – Rs.1,000
  • Cash withdrawal – 2.5% for domestic withdrawal with minimum amount of Rs.500
  • Interest free credit period – 17 – 23 days.
Eligibility
  • The applicant must be 18 years of age and must be resident Indian.
  • Must furnish income, address and identity proof.
Benefits
  • 4 Turbo points for every Rs.150 spent website like makemytrip or Flipkart.
  • 2 turbo points on every Rs 150 spent on grocery and supermarket.
  • 1 Turbo point on every Rs.150 spent on stores and purchases.
  • Avail 5% discount on fuel bill on filling from Indian Oil Petrol Bunk.
  • On annual spend of Rs 30000 the annual fee is waived off.
  • You can redeem the points for gift certificates or online purchases.
Drawbacks
  • You get only 4 Turbo points for every Rs.150 on online spends. If you compare with First Citizen Citibank Titanium Credit Card it gives 7 points on Rs 100 spent at shopper stop website which is much better.

Summary

Indian Oil Platinum Citi Credit Card has surprising offers for online purchases from flipkart or other websites. You can use card for other purchases too and earn reward points from them. These points can be collected and redeemed for gift certificates or online spends.

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6. HDFC Money back Credit Card

HDFC has come with a card exclusively for shoppers and has good rewards too. The annual charges is Rs 500 but its benefits far exceeds this charge.

Features
  • Rewards – 4 points for every Rs 150 spent online.
  • Bonus offers – Redeem your points 100 points you get Rs 40.
  • APR Rate – 40.8% per annum
  • Joining  Fee – Rs.500
  • Annual Fee – Rs.500
  • Cash withdrawal – 3% of cash withdrawal amount subject to a minimum of Rs 300.
  • Interest free credit period – 20 – 50 days.
Also read >  ICICI Bank Launches Instant Credit Card for Online Shopping
Eligibility
  • Good credit history.
  • Applicant must be between the ages of 21-60 years.
Benefits
  • 4 points for every Rs 150 spent on online purchases.
  • 2 points on every Rs 150 on other spends.
  • 2.5 % Fuel surcharge waived off on all fuel spends.
  • Get a cashback of Rs 250 on spending Rs 1000 within 45 days of receiving the credit card.
  • The reward points can be redeemed as cash back using the card .For 100 points you get Rs 40.
Drawbacks
  • You get only 4 points for every Rs 150 spent online which is low when compared to Snap deal HDFC Credit card which gives 10 reward points on Rs 150 at snap deal.
    The APR is high at 40.8%.

Summary

HDFC Money back Card comes with numerous privileges and benefits for the cardholder. It has a reasonable joining fee and annual fee which can be paid off without any difficulty. The best highlight is you can earn points while you spend and later redeem for cash back. The card offers Rs 40 for every 100 points.

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7. Axis Bank Neo Credit Card

Axis Bank is offering great deals for people who love shopping and spend a good deal on them. In terms of rewards it is high on cash back benefits, welcome offers and entertainment benefits. This particular card has also some special benefits for online shopping which is convenient for the customers too.

Features
  • Rewards – 2 point on every Rs 200 you spent.
  • Bonus offers – On spending a minimum Rs 500 from Myntra website you get 10% off..
  • APR Rate – 46.78% per annum
  • Joining  Fee – Rs.250
  • Annual Fee – Rs.250
  • Cash withdrawal – 2 .5% (Min. Rs 250) of the Cash Amount Rs 100.
  • Interest free credit period – 20 – 40 days.
Eligibility
  • Good credit history.
  • Applicant must be between the ages of 18-70 years.
Benefits
  • For a minimum purchase for Rs 500 from Myntra you get 10% off.
  • You get a welcome gift of Rs 500 from Myntra and a movie voucher worth Rs 200.
  • 10% cashback every time you shop at Jabong.com with a maximum cap of 1000 per month.
  • Earn 2 points for every Rs 200 spent using the card.
  • 10% cash back on selected spends.
  • 10% off on booking your bus tickets through redbus.
  • 10% cashback on mobile recharge through Freecharge mobile app, monthly benefits up to 30.
  • 10% off on booking tickets through bookmyshow.com.
  • Zero card liability will protect you in case your card is lost or stolen provided you report it at the moment it’s lost.
  • The joining fee is waived off if Rs 2500 is spent with this card within 45 days of receipt
Drawbacks
  • The APR is very high at 46.78% per annum. HDFC Solitaire Credit card offer interest at 39% which is not low but comparatively better.
  • You get 2 point on every Rs 200 you spent which is very low. The Snap deal HDFC Credit card offers 10 reward points on Rs 150 at Snapdeal.

Summary

HDFC Money back Card comes with numerous privileges and benefits for the cardholder. It has a reasonable joining fee and annual fee which can be paid off without any difficulty. The best highlight is you can earn points while you spend and later redeem for cash back. The card offers Rs 40 for every 100 points.

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8. HDFC Solitaire Credit Card

Here’s a card designed exclusively for women and its name truly suits it too. The main target audience would be the shopaholics who like to shop a lot. This card offers some very good rewards and payback options which is not to be missed out. It would be advantageous if you pay off the dues each month and not accrue on its interest.

Features
  • Rewards – 3 points for every Rs 150 spent.
  • Bonus offers – Shoppers Stop vouchers worth Rs 2000 on spending Rs 75000 in six months.
  • APR Rate – 39% per annum
  • Joining  Fee – Rs.500
  • Annual Fee – Rs.500
  • Cash withdrawal – 3% of cash withdrawal amount subject to a minimum of Rs 300.
  • Interest free credit period – 20 – 50 days.
Eligibility
  • Applicant must between the ages of 21-60.
  • They must also furnish address proof, identity proof.
Benefits
  • Make up to 3 points for every Rs 150 spent on the card.
  • On spending Rs 75000 in six months you get a voucher worth Rs 2000 from Shoppers Stop.
  • Avail the benefit of redeeming the points for cash back (100 points=Rs 40).
  • Get fuel surcharge waiver worth Rs 250 per billing cycle.
  • Get up to 50% reward points on dining and grocery spends.
  • On 5 lakhs spend using this card you earn up to 4000 reward points. This would be valid for a period of 2 years only.
Also read >  Jet Airways IndusInd Bank Voyage Credit Card Review
Drawbacks
  • This card is available only for ladies. Even though it is a shopping card it has been exclusively launched for only women.
  • The reward points is low at 3 points for every Rs 150 spent.

Summary

This is a card exclusively for women shoppers. The vouchers and discounts are good. On spending Rs 75000 in six months you get coupon from Shoppers Stop worth Rs 2000.This card also gives you the option to redeem your points for cash back benefits.

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9. Citibank Rewards Card

By the name it self we get an idea that this card is truly a reward card .It has numerous benefits especially for online shopping and the fun part of it is that the reward points don’t expire.

Features
  • Rewards – 10 reward points for every Rs 125 spent.
  • Bonus offers – 10X reward points on spend at apparels and department stores.
  • APR Rate – 39% per annum
  • Joining  Fee – Rs.1,000
  • Annual Fee – Rs.1,000
  • Cash withdrawal – Depending upon the credit limit.
  • Interest free credit period – 17 – 23 days.
Eligibility
  • The applicant must be 18 years of age and must be resident Indian.
  • Must furnish income, address and identity proof.
Benefits
  • 10x times reward point on spend on over different merchants like Flipkart, Myntra, GoIbibo, Westside, Raymonds, Clarks, Adidas, Yebhi, Jabong, Groupon, Yatra and so many more.
  • 10 reward points for every Rs 125 spent on the card.
  • For Rs 1 lakh spent in a quarter you get a bonus of 1000 points.
  • On addition of a card you get a bonus of 500 points.
  • On activation of card you get 2000 points and on the renewal of card you get a bonus of 1000 points.
  • You can redeem your points at over 700 outlets and e-shopping partners.
  • Annual fee will be waived off if annual spend is more than Rs 30000.
Drawbacks
  • The joining and annual fee is comparatively high at Rs1000.The Axis Bank Neo Credit Card is only charging Rs 250 as its fee.

Summary

The cardholders get access to numerous discounts form from the listed online websites. They have many bonus offers that helps you make more points. On activation of card, renewal and even on addition of card you will get bonus points. These accumulated points can be redeemed at websites as well as retail outlets.

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10. Axis Bank My Zone Credit Card

Axis Bank My Zone Credit is yet another card that comes with shopping and dining benefits.

Features
  • Rewards – 4 points on Rs 200 spent.
  • Bonus offers – 20 points for Rs 200 spent on weekend shopping.
  • APR Rate – 46.78% per annum
  • Joining  Fee – Rs.500
  • Annual Fee – Rs.500
  • Cash withdrawal – 2.5% (Min. Rs 250) of the Cash Amount.
  • Interest free credit period – 20 – 50 days.
Eligibility
  • Candidates should be between the ages of 18-70 years.
  • They have to produce identity, address and income proof.
Benefits
  • 4 points on Rs 200 spent.
  • You get 100 points as a welcome gift.
  • 20 points for Rs 200 spent on weekend shopping.
  • 40 points for dining on Rs 200 spent on weekends.
  • 25% cashback on movie tickets purchases.
  • Joining fee is waived off if Rs 5000 is spent within 45 days of the receipt of the card.
Drawbacks
  • You get only 4 points on Rs 200 spent which is comparatively low.
  • The APR is also very high at 46.78% per annum

Summary

The card comes with some shopping benefits and dining benefits too. It has special offers for weekend shopping too. The joining fee will be waived of if Rs 5000 is spent within 45 days of receipt of the card. The benefits are not very high as compared to the previous cards but considering the low annual charge it is a good card to own.

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Hi, Mani Karthik here. Having lived in USA, India & Middle East, and worked for big MNC’s to startups, I have a lot to share with you. My aim is to help people, by sharing everything I’ve learned in life, through this blog. It’s read today by more than 150K people world over! I currently live in LA, California and visit India occasionally. Here’s my full story on who I am and why I blog. Connect with me on FacebookInstagram, Twitter or WhatsApp (+001-408-489-4785). Happy to help! 🙂

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