The way shopping is done has changed dramatically in the past few years. People prefer to buy things online instead of purchasing by visiting the stores. It’s the reason why brick-and-mortar businesses have a marked digital presence these days. From groceries and gadgets to mobiles and other electronic gadgets, people can buy a range of things online. Sensing this trend, many banks have come up with shopping credit cards which is very rewarding for a user. There are so many advantages of purchasing online using credit cards. We’ve rounded up the five best credit cards for shopping in the market that can assist you in making the right purchases
1. IDFC FIRST Millenia Credit Cards
It’s designed keeping the millennials in mind and rewards the user with a range of offers and discounts
Features and Benefits
Lifetime free credit card
Welcome Voucher of Rs. 5000
5% Cashback upto Rs. 1000 on the transactional value of the first EMI done within 30 days from the date of card issuance
25% discount on movie tickets upto Rs. 100
Four complimentary railway lounge visits per quarter
20% discount on partner restaurants
10x reward points on incremental spends on Rs.20000 and above and spends on your birthday
6x reward points for offline purchases
2. HDFC Regalia Credit Card
It is a card designed for luxurious indulgences. Being less expensive than other premium cards, it’s one of the most-preferred card by the Indian shopping enthusiasts
Features and Benefits
4 Reward Points on every Rs.150 retail* spends
12 complimentary access per calendar year within India
Eligibility for priority pass after completing 4 retail transactions
1% fuel surcharge waiver at all fuel stations
20% savings on all your restaurant bill payments via Dineout
Milestone benefits up to 10,000 points
Joining/renewal fee of Rs. 2500+ GST, Renewal fee waived off for spending 3 Lakhs in the previous year
Accidental air death cover worth Rs. 1 Crore
3. Axis Bank ACE Credit Card
If you are someone who prefers cashback on every transaction, then this is the card you should be getting
Features and Benefits
Best Cashback offers (5% on bill payments, 4% on swiggy, zomato, and Ola, 2% cashback on other spends
4 Complimentary lounge visits per calendar year at domestic airports
1% fuel surcharge waiver at all fuel stations
20% off on at partner restaurants
Joining fee: Rs. 499 joining fee waived off on spending Rs. 10000 within 45 days of card issuance
Renewal fee: 499 joining fee waived off on spending Rs. 2 lakhs the previous year
No cap on cashback limit earning
4. Flipkart Axis Bank Credit Card
It’s one of the top-rated credit cards that is preferred by a lot of youngsters these days. It’s considered as an excellent choice for those who love cashback.
Features and Benefits
1100 worth of joining and activation benefits (Flipkart, Myntra, and Swiggy)
20% off on at partner restaurants
4 complimentary visits to select domestic lounges per year
1% fuel surcharge waiver at all fuel stations
Joining fee: Rs. 500
Annual Fee: Rs. 500 waived off on annual spends greater than Rs. 2 Lakhs
5. Amazon Pay ICICI Bank Credit card
It is a credit card issued by ICICI Bank in association with Amazon Pay and Visa. It is a great option for those who use Amazon to shop online with regular cashback and discounts
Features and Benefits
No Joining or Annual Fee
3% cashback on your Amazon. spends, 2% cashback on payments to various merchants from Amazon Pay, and 1% Cashback on all other expenses
15% on your dining bill at participating restaurants
1% on fuel surcharge every time
Chip and PIN facility which enables a secure transaction at POS (Point Of Sale) and ATMs