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With e-commerce platforms experiencing a boon, whether it’s buying groceries, electronics, or fashion, more and more users are turning to online platforms for their shopping needs.
With this shift, having the right credit card can make all the difference. From earning cashback to enjoying discounts and offers, the best credit cards for online shopping can significantly enhance your shopping experience. However, if this is your first time investing in credit cards or you don’t know where to begin, don’t worry we have got your back!
Here’s a comprehensive guide to the 10 best credit cards for online shopping in India.
Also Read: How Does a Credit Card Work? – Process Explained
1. Airtel Axis Bank Credit Card
Taking the first position in the list, the Airtel Axis Bank Credit Card is one of the leading options available for customers these days. You get a huge credit limit up to ₹5,00,000 and annual cashback of up to ₹16,000. Additionally, you also get to enjoy amazing offers associated with different transactions including different utility bill payments, phone bills, and more. Check the Airtel website or download the Airtel Thanks App to register for your own Airtel Axis Credit Card in one click!
2. HDFC Bank Millennia Credit Card:
The HDFC Bank Millennia Credit Card is designed for the new digital age. Cardholders get 5% cashback on Amazon, Book My Show, Flipkart, and other preferred partners, making it the best HDFC credit card for online shopping. Moreover, users can enjoy additional cashback on all other online spending using the credit card. Making it an ideal option for those who want to maximise their savings on online purchases.
3. ICICI Bank Amazon Pay Credit Card:
For avid Amazon shoppers, the ICICI Bank Amazon Pay Credit Card is a perfect fit. It offers 5% cashback for Amazon Prime members and 3% for non-prime members on Amazon India purchases. Other online spends earn 2% cashback, ensuring you get the best value on your online purchases.
4. Flipkart Axis Bank Credit Card:
The Flipkart Axis Bank Credit Card is tailored for Flipkart enthusiasts. You receive 5% unlimited cashback on Flipkart spends, and Myntra, and 4% on preferred partners like Swiggy, Uber, and PVR. Additionally, there’s a 1.5% cashback on all other spends, making it one of the best cards for online shopping across multiple platforms.
Also Read: What are the Different Types of Credit Cards
5. Citi Cashback Credit Card:
The Citi Cashback Credit Card is another excellent option for online shoppers. It offers 5% cashback on movie ticket bookings and utility bill payments made online. Additionally, you earn 0.5% cashback on all other online spends, making it a reliable card for those who want consistent cashback rewards for their online purchases.
6. Axis Bank Buzz Credit Card:
The Axis Bank Buzz Credit Card is aimed at frequent online shoppers. It offers 10% off on Flipkart every month along with accelerated reward points on certain online purchases from the platform. This card ensures that you significantly save every time you shop online.
7. Standard Chartered DigiSmart Credit Card:
The Standard Chartered DigiSmart Credit Card is perfect for digital natives. It provides 20% off on Myntra, 10% off on Grofers, and a 10% discount on Zomato orders. Additionally, you can get more rewards and discounts on other purchases. This makes it an ideal card for those who rely heavily on online services for their daily needs.
8. HSBC Cashback Credit Card:
The HSBC Cashback Credit Card offers 1.5% cashback on online spends and 1% on all other transactions. This card is suitable for those looking for straightforward cashback on a wide range of online and offline purchases, ensuring you get the best returns on your spending.
9. American Express Membership Rewards Credit Card:
The American Express Membership Rewards Credit Card offers generous rewards for online shoppers. While it might not provide direct cashback, the reward points can be redeemed for a variety of online shopping vouchers. This card is best for those who prefer accumulating rewards that can be used for significant savings on future purchases.
Also Read: How To Use Credit Card In PhonePe
10. YES FIRST Preferred Credit Card
The YES FIRST Preferred Credit Card is another strong contender for online shopping. It offers 2x reward points on online purchases and 8x points on other expenses including dining, travel, international spending, and more. Additionally, it comes with comprehensive benefits such as international and domestic airport lounge access, making it a well-rounded card for frequent travellers and online shoppers alike.
Choosing the best credit card for online shopping depends on your specific needs and spending habits. Whether you prioritise cashback, reward points, or exclusive discounts, there’s a card out there tailored for you. The Airtel Axis Bank Credit Card offers high-credit limit that allows you to manage your expenses and become financially independent with every transaction. To check more about the Airtel Axis Bank Credit Card eligibility, terms & conditions, or learn the ways to maintain your credit score, explore the Airtel website now!
Lastly, by carefully analysing these factors, you can find the best card for online shopping that fits your lifestyle and maximises your savings. Happy shopping!
