As the digital landscape continues to evolve, online shopping has become the preferred mode of purchase for millions across India. With the convenience of ordering anything from groceries to gadgets at the click of a button, it’s no wonder that online shopping has gained such widespread popularity.
To complement this trend, banks and non-banking financial companies (NBFCs) have introduced a range of credit cards tailored specifically for online shoppers.
These credit cards offer lot of benefits, from cashback rewards to exclusive discounts, aiming to enhance the shopping experience while maximizing savings.
Lifetime Free Credit Cards
Amazon Pay ICICI Credit Card
- Card Type: Lifetime Free
- Card’s Reward Type: Cashback
- Reward:
- 5% Cashback on Amazon for Prime Members
- 3% Cashback on Amazon for Non-Prime Members
- 1% Cashback on other websites
- Reward Capping: No capping
Entry Level Credit Cards
SBI Cashback Credit Card
- Card Type: Entry Level (Fees upto Rs. 1,000)
- Card’s Reward Type: Cashback
- Reward: 5% Cashback
- Maximum Cashback: Rs. 5000 per statement
HDFC Millennia Credit Card
- Card Type: Entry Level (Fees upto Rs. 1,000)
- Card’s Reward Type: Cashback
- Reward: 5% Cashback on Amazon, Flipkart, Myntra
- Maximum Cashback: Rs. 1000 per statement
Mid Range Credit Cards
Axis Atlas Credit Card
- Card Type: Mid Range (Fees: Rs. 1001 to Rs. 5000)
- Card’s Reward Type: Airmiles
- Reward: 4% Airmiles
- Reward Capping: No capping
Yes Marquee Credit Card
- Card Type: Mid Range (Fees: Rs. 1001 to Rs. 5000)
- Card’s Reward Type: Reward Points
- Reward: 4.50% Reward Points
- Reward Capping: No capping
Super Premium Credit Cards
HDFC Infinia Metal Credit Card
- Card Type: Super Premium (Fees: Rs. 5001 to 12500)
- Card’s Reward Type: Reward Points/Airmiles
- Reward:
- Up to 16.66% via SmartBuy
- 3.33% directly
- Maximum Reward Points:
- 15000 via SmartBuy portal
- 200000 directly per statement
HDFC Diners Club Black Metal Credit Card
- Card Type: Super Premium (Fees: Rs. 5001 to 12500)
- Card’s Reward Type: Reward Points/Airmiles
- Reward:
- Up to 16.66% via SmartBuy
- 3.33% directly
- Maximum Reward Points:
- 10000 via SmartBuy portal
- 75000 directly per statement
ICICI Emeralde Private Metal Credit Card
- Card Type: Super Premium (Fees: Rs. 5001 to 12500)
- Card’s Reward Type: Reward Points
- Reward: 3% Reward Points
- Reward Capping: No capping
Luxury Credit Cards
Luxury credit card options for online shopping are currently not available.
Q&A Section
Q1: What are the benefits of using a super premium credit card for online shopping?
- Super premium credit cards offer higher reward points or airmiles on online shopping transactions, often with no capping on rewards, making them ideal for frequent online shoppers who seek maximum benefits.
Q2: Are there any drawbacks to using entry-level credit cards for online shopping?
- Entry-level credit cards may have lower cashback percentages or caps on rewards, limiting the benefits for heavy online shoppers. Additionally, they might not offer additional perks such as travel insurance or concierge services that come with higher-tier cards.
Q3: How can consumers determine the best credit card for their online shopping habits?
- Consumers should consider factors such as annual fees, reward structures, reward capping, and additional perks like travel insurance or lounge access. By evaluating their spending habits and preferences, they can choose a credit card that maximizes their benefits and suits their lifestyle.