Which credit card is best for online shopping?

A large number of people nowadays prefer shopping online than at retail stores. This trend has seen a sharp rise over the last few years, and there might be many reasons for it. However, this phenomenon became common because of the coronavirus pandemic, when we had to do everything from the confines of our living spaces. Online shopping also offers multiple benefits; you don’t have to explore all the items moving in the stores from one end to the other. You don’t need to stand in long queues to get your items and get your bills paid. Also, the variety you can choose from online shopping is much more than retail stores, which can also save a lot of our time and make our life a little manageable.

When we talk about convenience, we have to mention credit cards. These plastic cards have replaced conventional currencies and can be used almost everywhere, and to purchase anything. From luxury items to groceries to gadgets, most people have started buying them online, and this is one of the reasons that the top banks and NBFCs of the country are offering amazing benefits for online shopping to lure more customers.

So, now the question arises of how to know which card is the best for online shopping. Below are some of the requirements that we provide, which you should consider if you are getting a credit card for online shopping.

1.Your credit card should offer you cashback benefits. This is the minimum requirement one should expect to have from a shopping credit card. It’s always feasible to get instant cash backs rather than receiving reward points and redeeming them later.

2.Many of the e-commerce sites have partnered with banks or NBFCs, providing credit cards to offer special discounts to their customers. If you have a favorite e-commerce store and you shop there frequently, it’s better to have one of those partnered credit cards so that you could avail amazing discounts.

3.Milestone gift vouchers are a type of gift voucher that is offered by credit card issuers if you reach a certain milestone. If you shop very frequently, you can go for one of the credit cards that offer these vouchers.

4.Credit card issuers offer bonus points to their cardholders to encourage them to shop online. You can earn these rewards and redeem them for recharges, vouchers, gifts, etc.

Now that we know what features to look for in our credit cards, let’s have a look at the list of best credit cards for online shopping.

Amazon Pay ICICI Credit Card

If you are a frequent shopper at Amazon, you must have heard about this card. Partnered with ICICI bank, it is a lifetime free credit card offering 5% cashback to Prime members, and 3% cashback to non-Prime members when you shop at Amazon. It also provides many other types of cashback offers, like 2% cashback when you buy from 100+ Amazon partnered merchants, 15% cashback for ICICI’s partner restaurants, and as a part of fuel charge waiver, it offers 1% cashback at all the petrol pumps across India. Without a doubt, it is one of the best credit cards for online shopping in India.

Flipkart Axis Bank Credit Card

Partnered with Axis Bank, this card is ideal for all your shopping needs if you are a loyal Flipkart customer. If you love getting cash backs, this card is for you. Flipkart Axis Bank Credit Card provides a flat 1.5% cashback on all your spending. Apart from that, you get 5% cashback on Myntra, Flipkart, and 2GUD. It also offers a 4% discount on Flipkart’s partner merchants like MakeMyTrip, UBER, Goibibo, PVR, etc.

Bajaj Finserv RBL Bank SuperCard

Another card on the list is the Bajaj Finserv RBL Bank SuperCard. It offers one reward point for every Rs. 100 spent. The credit card also offers 2X reward points on all your online spending except spends on Insurance, Wallet Load, Utilities, and Education. You can earn a maximum of 1000 reward points. You also get a reward point of 5000 points if you spend more than 75,000 in a year. You can redeem these points and get gift vouchers, book flight tickets, hotel stays, etc. In case you have any queries regarding the card, you can always reach out to the RL Bank SuperCard Customer Care number.

Standard Chartered Digi Smart Credit Card

Standard Chartered Digi Smart Credit Card fulfills all your shopping needs. It’s an all-in-one card for an online shopper. It offers amazing benefits like a 20% discount on Myntra, 10% off on Grofers, and a 10% discount on Zomato for a maximum amount of 150 INR.

Now that you know about some of the best credit cards for online shopping, you can visit their website, and apply for a credit card.