Online platforms such as Amazon, Swiggy, Flipkart, Myntra, and others have tie-ups with various credit card companies using which you can get offers, cashback, and discounts on their deals.
Brands like Amazon, Flipkart, Zomato, BookMyShow, etc. have exclusively partnered with certain banks/NBFCs in order to offer some perks to their existing users and to entice new users.
Most credit cards give you the dual advantage of getting benefits such as reward points and exclusive access to privileges as well as help build your credit history. Let’s check out a few such cards.
Top 10 Credit Cards for Shopping Online
SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card offers up to 10X reward points on purchases from partners such as Amazon, Lenskart, UrbanClap, Cleartrip, Netmeds, BookMyShow and others. Additionally, this SBI Card offers a 1.25% cashback on shopping online and also provides an Amazon welcome gift voucher worth ₹500 to the holders of this credit card.
HDFC Millenia Credit Card
You can get the HDFC Millenia Credit Card at an annual fee of ₹1,000. Through this credit card you can get up to 5% cashback on products from Flipkart, Amazon, Swiggy, Uber, Myntra, Sony Liv, Cult.fit, TataCLiQ, and BookMyShow. It also gives you a 1% cashback on all transactions including EMI ones.
ICICI Amazon Pay Credit Card
The ICICI Amazon Pay Credit Card has a zero annual fee and offers up to 5% cashback on all purchases made exclusively on Amazon. It provides no-cost EMI option for all product purchases above ₹ 3,000 for 90 days and 180 days.
Even if you are not an amazon prime member you can get up to 3% cashback on your purchases. Furthermore, you can get reward points of up to 2% on credit card bill payments.
Standard Chartered DigiSmart Credit Card
The Standard Chartered DigiSmart Credit Card can be purchased at a monthly fee of ₹49. Using this card, you can get rewards twice a month on INOX tickets. This credit card provides you with a 20% discount on products bought from Myntra. It also gives you a 20% discount on domestic flight bookings and 10% discount on international flight bookings made on Yatra. In addition, this credit card also provides a discount of 25% on domestic hotel bookings made (per quarter).
Flipkart Axis Bank Credit Card
The annual fee for a Flipkart Axis Bank Credit Card is ₹500. On activating the credit card, you get a welcome voucher worth ₹1,100. This credit card offers a 5% cashback on products shopped on online shopping platforms such as Flipkart and Myntra. You can also enjoy a 4% cashback on products purchased on Cleartrip, Uber, PVR and others. Additionally, it provides domestic lounge access four times a year.
HSBC Cashback Credit Card
With an annual fee of ₹750 the HSBC Cashback Credit Card offers a number of welcome benefits such as gift vouchers worth ₹500 from Amazon, ₹1,500 from Myntra and ₹3,000 from Ajio. It provides up to 1.5% cashback on all online purchases and up to 1% cashback on other expenses. In addition, the credit card gives you a 10% discount on products from Blinkit and Pharmeasy.
HDFC MoneyBack Credit Card
The HDFC MoneyBack Credit Card can be used at an annual fee of ₹500. As a welcome gift the credit card gives you 500 reward points. Moreover, you get reward points for shopping both online as well as offline. You can also redeem cash against your accumulated points. It also provides a waiver of 1% on fuel surcharge.
Axis Bank Buzz Credit Card
If you are someone that shops frequently on Flipkart, the Axis Bank Buzz Credit Card is a good choice. With this credit card you can get vouchers of up to ₹7,000 in a year from Flipkart. Additionally, you get discounts on transactions you make on Flipkart. You can also earn higher rewards points through online shopping using this credit card.
American Express SmartEarn Credit Card
The American Express SmartEarn Credit Card gives you reward points of up to 10X on every ₹50 that you spend on products from Flipkart and Uber. This credit card also gives you rewards of up to 5X on purchases from Myntra, BookMyShow, Swiggy, Amazon, and more. In addition, you also get a reward point on membership for every ₹50 spent on cash transactions, fuel and insurance.
Axis Bank Ace Credit Card
At an annual fee of ₹499 the Axis Bank Ace Credit Card offers up to 5% cashback on payment of bills, DTH and mobile recharges through Google Pay. It also provides a 4% cashback on transactions at Swiggy, Ola and Uber. The credit card provides up to 2% cashback on all transactions at a low fee.
Read Also: Mobile Payments: The Future of Cashless Transactions
Conclusion
Credit cards are highly beneficial for you if you are someone who shops online frequently. Through credit cards, you can make the best of the offers on flight bookings, hotel reservations, pharmacy, food delivery, lounge access, waiver on fuel surcharge, OTT subscriptions, and much more. Credit cards also offer rewards points on online shopping at Amazon, Swiggy, Zomato, Myntra, Flipkart, BookMyShow, Yatra, Uber, Cleartrip, Cult. fit, Netmeds, Lenskart, UrbanClap, Sony Live and others.
FAQs
Q: Which credit card should I use to shop on Amazon, Flipkart, and Myntra?
A: There isn’t one card that is universally recommended for all three websites because some cards give more cashback when shopping on Amazon, others give cashback when purchasing from Flipkart, and some cards offer rewards when buying things from Myntra.
Q: Do shopping credit cards save money?
A: Shopping credit cards can save customers’ money through earning cashbacks, reward points, and discounts on purchases. If you will manage to pay back your loan on time and not incur any additional fees, you will benefit from using the card during the whole year.
Q: Can I buy on Amazon, Swiggy, and Flipkart using one credit card?
A: Yes, there are shopping credit cards that allow people to buy their stuff on several popular online platforms. You need to check the reward program of your card to find out what websites your card works at.
Q: Which is better between cashback credit card and rewards credit card?
A: Get a cashback credit card when you need simplicity. It might be better to have a rewards credit card if you like earning points that can be redeemed for trips, shopping, or gift cards.
Q: What do I need to verify before getting a shopping credit card?
A: First, verify the annual fee, cashback percentage, reward cap, and stores where you can shop. Interest and payment policies are important to consider too.
