Online shopping has become the new normal, and it’s hard to imagine life without it. From groceries to clothes, electronics to furniture, everything can be found online. However, with so many cards available, it can be difficult to select the right credit card for online shopping. In this article, we will discuss the best credit cards for online shopping in India and how to find the perfect one for you.
Benefits of Best Credit Cards for Online Shopping:
Using a card for online shopping has several benefits. The most significant advantage is that you can earn rewards, cashback, and discounts on your purchases. Additionally, credit cards provide fraud protection, which means that if your card is lost/stolen or used fraudulently, you won’t be liable for any unauthorized purchases. Finally, credit cards provide an easy way to check your purchases and stay within your budget.
5 Best Credit Cards for Online Shopping in India:
Amazon Pay ICICI Bank Credit Card:
The Amazon Pay ICICI Bank Credit Card is one such best credit cards for online shopping. It offers 5% cashback on Amazon purchases for prime members and 3% cashback for non-prime members. Additionally, it provides 2% cashback on groceries, bill payments, and fuel purchases. The card does not have an annual fee, and it credits cashback directly to your Amazon Pay account.
Cashback SBI Card:
The Cashback SBI Card is another excellent option for online shopping. It offers 5% cashback on online purchases, 1% cashback on all other purchases. This card has a renewal fee of Rs. 999, but it’s waived if you spend Rs. 2 lakh or more in a year.
Flipkart Axis Bank Credit Card:
The Flipkart Axis Bank Credit Card is designed for frequent shoppers on Flipkart. It offers 5% cashback on Flipkart purchases and 4% cashback on Swiggy, Uber, PVR, and Cult.fit. Additionally, it provides 1.5% cashback on all other purchases. Cashback of this card is credited directly to your Flipkart account.
Myntra Kotak Credit Card:
The Myntra Kotak Credit Card is perfect for fashion lovers. It offers 7.5% discount on Myntra purchases, 5% cashback on other fashion and lifestyle purchases, and 1.25% cashback on all other purchases. This card has a renewal fee of Rs. 500, but it’s waived if you spend Rs. 2 lakh or more in a year.
SBI SimplyCLICK Credit Card:
The SBI SimplyCLICK Credit Card is a best for those who shop on multiple online platforms. It offers 5X RPs on Amazon, Cleartrip, and Foodpanda purchases, and 1 RP on all other purchases. Additionally, it provides e-vouchers valued at Rs. 2,000 on annual spends of Rs. 1 lakh or more. This card has a renewal fee of Rs. 499, but it’s waived if you spend Rs. 1 lakh or more in a year.
How to Find a Good Credit Card for Online Shopping:
When selecting a credit card for online shopping, consider the following factors:
- Rewards: Look for a card that offers rewards, cashback, or discounts on your purchases.
- Annual Fee: Make sure to check the annual fee and see if it’s worth paying for the benefits provided.
- Interest Rates: If you are planning to carry a balance, look for such card which have a low-interest rate.
- Credit Limit: Ensure that the card’s credit limit is sufficient for your online shopping needs.
- Fraud Protection: Choose a card that provides fraud protection, so you’re not liable for unauthorized purchases.
Conclusion
Credit card for online shopping is a wise way to earn rewards and stay within your budget. The Amazon Pay ICICI Bank Credit Card, Cashback SBI Card, Flipkart Axis Bank Credit Card, Myntra Kotak Credit Card, and SBI SimplyCLICK Credit Card are the best credit cards for online shopping in India. When choosing a credit card, look out for the rewards, annual fee, interest rates, credit limit, and fraud protection. By following these tips, you can find the perfect credit card for your online shopping needs.