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  • Best credit cards in India for shopping

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  • Owing to the ever growing popularity, the world of credit cards has seen a huge diversification in terms of availability of category based cards. These categories are aimed at fulfilling specific requirements of various types of users on the basis of their lifestyle needs. The utility factor also plays a substantial role in segmenting the cards offered. Some of the most common categories of credit cards available in India are as below.

    • Rewards
    • Premium
    • Airline
    • Lifestyle
    • Fuel
    • Cashback
    • Shopping
    Each one of these categories offer exclusive benefits and rewards by way of multiple tie ups with various brands and merchants. In the category of shopping based cards, leading banks and issuers in India offer a plethora of cards to suit the requirements of the discerning user.

    Top Shopping Credit Cards

    The section below provides information pertaining to top credit cards in this segment.

    Citibank Rewards Card

    A rewards rich card which offers enhanced rewards points coupled with attractive offers and tailor made shopping deals. The never expiring rewards points can be accumulated and exchanged for a host of goodies, deals and cash back. Some of the benefits of this card have been provided below.

    For every Rs.125 spent at 50 plus partner stores, cardmembers can earn 10 points into their account. For all other purchases of the same value, 1 point is credited.

    The cardmember can be eligible to earn bonus points upon activation. Accumulated points can be redeemed in over 700 plus outlets.

    The annual fee remains waived if the combined annual spends exceed Rs.30,000.

    Additional bonus of 1,000 points is awarded if the total spends exceed Rs.1 lakh in a quarter.

    HDFC Bank Snapdeal Credit Card

    A co-branded credit card which offers rewards points, cash back and other attractive benefits when you shop on Snapdeal. As a privileged cardmember, you get access to deals from top brands, surcharge waiver and 3X rewards points. Detailed benefits of this card has been provided below.

    For every Rs.150 spent on Snapdeal.com with this card, you earn 6 rewards points which is 3x times the regular points.

    In addition, cardmembers can also get customized offers from Cleartrip, Ola and other leading online brands.

    If the total spends during an year exceeds Rs.1,50,000, the annual fee is waived off.

    The cardmember also gets 500 bonus rewards points as a welcome benefit upon signing up for the card.

    HSBC Platinum Visa Card

    This card offers attractive cash back to cardmembers and comes with a host of dining and shopping privileges along with potential to earn rewards points for various types of transactions.

    The most appealing part of this card is that it does not come with annual or joining fee.

    One can get a cashback of up to 10% on select types of purchases at select partner stores.

    Shopping or purchase in specific categories such as hotels and dining can earn 3X rewards points.

    Under the HSBC Dining Privileges program, you can look forward to up to 20% discount on the bill value when you dine at partner restaurants.

    Cardmembers who use their card to refuel frequently can look forward to a waiver of the surcharge billed.

    SBI Simply Save Card

    A premium offering in the shopping category from SBI with a top notch rewards program in the offering. The benefits of this credit card have been provided in the section below.

    For spends in the categories of dining, movies, grocery and departmental stores, you earn 10X rewards points.

    Accumulated points can be redeemed against items from the rewards catalogue and can also be used to offset against the balance outstanding.

    If the total spends within the first two months of activating the card is Rs.2,000 and above, you get an additional 2000 cash points.

    Total spends of at least Rs.75,000 during an year will be rewarded with annual membership fee waiver.

    How to use Credit Card for Online Shopping

    E-commerce is a booming market at present, from clothes to groceries to electronics, you name it and you can buy it online. Online purchases usually require you to use your credit card or debit card for making payments. Although it is not a complicated procedure, it is better to have an idea before you proceed. Also, be aware of the credit limit on your card, before going on a spree. The following steps are involved while shopping online using your credit card:

    Step 1: Selecting Items for Purchase:

    When you want to shop for something online, you first choose the website you want to shop from. It then requires you to select the items you decide to purchase. In this step, you can place your items in a virtual cart or bag. Most websites, usually allow you to click on a tab labelled ‘Add to Cart’ or ‘Add to Bag’ against each item that you pick. When you are done selecting all items, you can move to the checkout page of the website.

    Step 2: Entering Shipping Information:

    The checkout page prompts you to enter details such as shipping address, your contact number, billing address and others. This page also gives you the total bill amount generated by adding all items on your cart. Sometimes your billing address, where you receive your credit card statement may be different from the address where you want your items to be shipped to. Be careful while making this selection.

    Step 3: Choosing Payment Method:

    The payment page will allow you to select the type of card you wish to make the payment with. The options provided to you are usually – MasterCard, VISA, American Express or Discover. Sometimes the merchant does not have a tie-up with your card and it will not be available for you to choose. In such cases, you will have to change your mode of payment.

    Step 4: Entering Name and Credit Card Information:

    The site will then ask for your name as in your credit card, along with other credit card information crucial for payment such as – your card number, expiry date on the card and the security code. Some cards also have the security code (three digit) on the back of the card.

    Third-party Payments:

    Some third party websites like PayPal and Citrus allow you to create an account and register your credit card in their website. This requires you to enter all your credit card information one time and every time you make an online purchase, you will just to have select ‘Pay with PayPal’ and enter the username and password for PayPal and your online transaction gets through.

    Safety and Security:

    Online shopping also exposes your credit card to the risk of potential frauds. Always remember the following points during on online shopping free:

    • Shop only on secure websites and do not choose your sites based on discounts and offers alone. The best sign of safety and security is a lock or ‘Verisign’ on the website.
    • Do not make online purchase from unsafe public terminals or unsecure Wi-Fi networks.
    • Never save your credit card details on any website.
    • Do not enter your internet PIN or ATM PIN number on any site.
    • Ensure you get notified every time your credit card has been used.

    While shopping, whether be it online or offline, you must be very careful while using your credit card. As long as you take some precautions and be a little cautious while making an online transaction, shopping as always will be fun.

      

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    Credit Card Reviews

    • ICICI Bank Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      It is very complicate to connect to customer service of ICICI bank. I have been using the Ferrari card for more than 1 year. It is a free card from 2nd year onwards. The credit limit is sufficient for 50 thousands. EMI option is applicable. I am using this card for purchasing purpose. Based on the usage I get reward points and cash back. There is no much benefits. For up gradation they detecting the amount of 2500 rupees.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to decrease interest charges"
      0.5 5.0/5 "Blown Away!"
      SBI offered a IRCTC credit card and I have been using for more than 1 year. It is a life time free credit card from 2nd years onwards. EMI option is applicable but charges are high. I use this card for ticket booking purpose for train and provide discount as well.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank regalia credit card for more than 3 years. For 1st year it was an annual fee chargeable. 2nd year onwards free card. The credit limit is given for one lakh. EMI option applicable and charges are nominal. I use this card for many purposes.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 months before only I have taken money back credit card with HDFC bank. I got an offered from their end. It is an annual fee chargeable of 2400 rupees. The credit limit is sufficient of 42 thousands. I am not aware about an EMI option. I use for shopping and fuel purpose. Within 20 days I received a card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied for a credit card with INDUSIND bank on a month before which was processed through online. On time I received a call from their end for further processing. The credit limit is sufficient. Since I have an account with them I got an offer to apply for a credit. I used to get salary on a weekly basis to convert monthly basis it take few months so closed from my end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2019
    • SBI Cards Credit Card
      "Need to provided rewards points and cash back"
      0.5 4.0/5 "Great!"
      Through SBI, I had got an offer for a credit card to apply and got one year before. It is a simply save card. The credit limit is given for 20 thousands for a low one. EMI option is applicable and charges are nominal. I use this card for shopping and fuel purposes. Based on the usage I didn't get reward points and cash back so far.
      Was this review helpful? 0
      , mysore
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Really good for transactions"
      0.5 4.0/5 "Great!"
      ICICI Credit card service is really good. They have offered me a credit limit of Rs. 56K and they have not increased my credit limit so far even though i use the credit card for past 2 years. I get the offers like cashbacks and discounts. They are sending the offer messages on a regular basis.
      Was this review helpful? 0
      , vellore
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I am using HDFC BANK credit card and it was a better experience. Its been 2 years and it was hassle free. The credit limit is sufficient and every year, they were increasing the limit as per my usage. The customer service is really good. I never been charged for late payments. The interest is 15% for EMI conversion which is reasonable but not converted yet.
      Was this review helpful? 1
      , tirupati
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The credit card limit is low in ICICI BANK and its only 20K which have been using it for past 6months. I am using the card for Amazon online purchase because they are providing 10% discounts. The annual fee is not applicable. The payment mode is easy.
      Was this review helpful? 0
      , tirupati
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank platinum credit card for the past one year. It is a life time free credit card. I received a card on time. The credit limit is not much sufficient of 20 thousands only. EMI option is applicable and charges are nominal. By his card I bought only one mobile phone and monthly paying for an EMI of 2700 rupees.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 15, 2019
    • Axis Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Axis My Zone card which was taken through Bank directly.The credit limit was really sufficient and it was upto 75,000.There are good reward points as well as cash back offers which is very useful.I have got all the relevant details about the card process very clearly through the agent and this card is good to use as well.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which i am using for the past 14 years.This was a free card and there was no difficulties faced so far on using this card .There are very good reward points and cash back offers which is really useful.I have Platinum card which is also good for me.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 14, 2019
    • RBL Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I use the RBL credit card for last 2 months. I actually trying for the money tap app, from that they directly contacted me and sent me a credit card. Documentation was a online process and one executive came to my office got the signature and took the photo.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Money savings card"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is good but there is no separate app for checking the details of credit card. Every time i need to login their online banking to check the statement. I do have a money back credit card and even they keep sending the discounts mails and i have used quite numbers for ordering a fuel and buying the fuel.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2019
    • Citibank Credit Card
      "Convenient loan service"
      0.5 5.0/5 "Blown Away!"
      With CITI bank, I am holding the CITI premier miles card and it almost having a discounts on coupons. They keep on mailing me about the offers. The given credit limit is Rs. 57000 which is fine for me. It has a app and everything can be handled with the help of it.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was applied through Bank and got the card .I am using this credit card for the past 6 years.The credit limit was sufficient and there was no difficulties faced so far on using this card.I have got the credit card on time ,There are very useful reward points as well as cash back offers.
      Was this review helpful? 0
      , nellore
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was offered by Bank .I am using this credit card for the past 2 years ,The credit limit was good and this was a free card and there are good cash back offers as well as reward points ,This card is veryb useful and comfortable .I am really satisfied with the service so far .
      Was this review helpful? 0
      , erode
      Reviewed on Oct 14, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 9 months and this card is having good cash back offers and reward points as well.This was a chargeable card and if spend 90,000 the charges will be wived off .I am really satisfied with the service so far on using this credit card .
      Was this review helpful? 0
      , noida
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am having ICICI credit card for the past 8 years. Since I am holding a salary account with them they offered for the credit card and no documents submitted. It is an annual fee chargeable of 500 rupees. The credit limit is low given for 30 thousands only. EMI option is applicable and charges are nominal. I use this card for shopping and to pay for the loan. Based on the usage I get reward points.
      Was this review helpful? 1
      , erode
      Reviewed on Oct 14, 2019
    • SBI Cards Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have State Bank Of India credit card which was taken through Bank directly .I am using this credit card for the past 6 months .The credit limit was very less and got all the details about the card process very clearly .I am really satisfied with the service so far on using this credit card.
      Was this review helpful? 1
      , bellary
      Reviewed on Oct 14, 2019
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