5 Best Credit Cards for Online Shopping in India

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Keywords: Credit card for online shopping, Maximum credit card limit in India

The advent of the 2019 Coronavirus pandemic has resulted in more individuals directing their shopping towards online platforms. With shops closing down throughout the nation, online shopping has become quite normal in the eyes of consumers.

To be more specific, online shopping with the aid of a credit card has become a lot more popular. Credit cards are quite popular, especially when it comes to the provision of reward structures to reduce the overall cost of shopping-related transactions. However, with more credit-granting intuitions coming into the spotlight, it has become increasingly difficult to make a decision on which of these myriads of credit cards to invest in.

In India in particular, so many banks and financial institutions have begun issuing credit cards, and with the progress in time, more banks have begun making credit cards for online shopping. A credit card for online shopping has almost become a necessity now because of the benefits it provides consumers to reduce their aggregate bill amount. You can get monthey reward points, some attractive deals and offers on each purchase..

Recognizing the confusion that goes into picking a credit card for online shopping that suits all your requirements, we have listed below the five best credit cards for online shopping in India. It must be remembered, however, that this list has been compiled based on our research, and may not cater to every individual’s choice of a credit card. Doing your own research before investing in a credit card is recommended.

  1. Bajaj Finserv RBL Bank SuperCard

From every credit card mentioned on this list, this credit card for online shopping is the most recently established one. It gained a lot of popularity when consumers started realizing the features that hide behind its plastic exterior.You can also convert you monthly purchase at the easy EMIs In addition to providing you with a maximum credit card limit in India, in accordance with the resources provided to these partnered corporations, this card also provides its consumers with robust security such as zero fraud liability and in-hand security, to protect its consumers while shopping online. Furthermore, consumers are given interest-free cash withdrawals from ATMs with a processing fee of only 2.5% (allowed for 50 days), and can also benefit from accelerated reward schemes with ensured savings up to Rs. 55,000 and more annually.

  1. Axis Bank’s Flipkart Credit Card

For those who absolutely espouse Flipkart and await the supply of their products, this card is equipped with cashback that will guarantee you have a good online shopping experience. Offering a 5% cashback on Flipkart, Myntra, and 2GUD, and a 4% cashback on MakeMyTrip, Uber, Goibibo, and PVR, this credit card ensures that Flipkart loyalists garner all the advantages that come with this magnificent card. If you spend between Rs. 400 and Rs. 4,000, you are also provided with a fuel surcharge waiver of 1%. If your purchases do not fall in any of these categories, a flat 1.5% cashback is provided in addition to four complimentary annual domestic lounge passes.

  1. Kotak Mahindra’s Essentia Platinum Card

With a first-year fee of only Rs. 1,499 and an annual fee thereafter of only Rs. 749, you can obtain this credit card for online shopping. In addition to being provided cashback facilities for online shopping, you can also avail these provisions for grocery shopping, thereby making this credit card all the more attractive in case you do not always want to shop.

To break it down, you can earn 10 reward points for every Rs. 100 spent on grocery and shopping, 1.5 reward points for every Rs. 100 spent on utility purchases, and 1 reward point for every Rs. 250 spent on miscellaneous transactions.

  1. HSBC’s Cashback Credit Card

As mentioned in the name itself, this is one of the best cashback credit cards for online shopping. With an annual fee of Rs. 750 and a minimum income of Rs. 33,333 per month, you can avail the benefits that come along with this card, namely, a 5% concession on Amazon purchases of Rs. 1,000 or above, a 20% discount on Swiggy orders above Rs. 400, a Rs. 500 Amazon Voucher on every Rs. 500 spent a 1.5% cashback on miscellaneous online transactions (excluding the transfer of funds to online wallets), and a 1% cashback on all other purchases.

  1. Tata’s Platinum Card

Tata is one of the most reputed credit card granters in India mainly for the supplementary provisions it provides to its customers. For an annual fee of Rs. 2,999, you can procure a reward rate of 2% on Croma, 3 points for every Rs. 100 on departmental & grocery stores, dining & international transactions, and 1 point for every Rs. 100 spent on alternative retail stores. Eight domestic lounge visits per year are also granted to Tata’s Platinum Cardholders.