Discover the Best Shopping Credit Cards in India!

People nowadays prefer shopping for things online without going to stores and saving more time. Do you want to save more money while shopping? Then it would help if you also preferred some of the best shopping credit cards because they are here to help you. In this article, we’ll discuss the best credit card for online shopping that not only help you save money but also give multiple lifesaving benefits.

Best Shopping Credit Cards

Benefits of Using Shopping Credit Cards

There are various kinds of shopping credit cards, but before we discuss them, let’s take a look at some benefits of using these cards.

Reward Points: With the help of best online shopping credit card, you will receive reward points on every purchase. You can simply redeem these RPs for gifts, vouchers, and discounts.

No Cost EMI: Shopping credit cards offer no-cost EMI options on purchases. This means that you can buy expensive products and pay for them in easy installments without any interest.

Cashback & Discount: When you make purchases through shopping credit cards, you will receive exclusive discounts and bonus cash back offers. This simply means that you can save more while purchasing things online.

Secure Payments: While shopping online, you don’t have to worry cause all your payments will be secure. You don’t have to worry about your personal and financial information getting compromised while making online payments.

5 Best Shopping Credit Cards for Online Purchases

Now that you’re familiar with the benefits of shopping credit cards, let’s take a look at the best shopping credit cards that are currently available in India.

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card is the best Flipkart for shopping lovers. You’ll get 5% cashback with this card while shopping on Flipkart and 4% cashback on preferred partners like PVR, Swiggy, and Uber.

Cashback SBI Credit Card

Cashback SBI Credit Card is best suited for those who love cashback while spending their money. Cardholders will get a 5% of bonus cash back for online spends and 1% for offline spends. The renewal fee of this card can be waived by spending Rs. 2 lakhs in a year.

Myntra Kotak Credit Card

With Myntra Kotak Credit Card, you’ll get a 7.5% discount while you purchase on Myntra. You can also enjoy other perks with this card like complimentary lounge access and milestone benefits.

HDFC Bank Millennia Credit Card

Get 5% cash points while shopping on Flipkart, Myntra, Amazon, Swiggy, and more through the HDFC Bank Millennia Credit Card. Further cash points can be redeemed against card statements or can be used for vouchers, flights, and hotel bookings.

American Express SmartEarn Credit Card

Increase your Membership Rewards Points at BookMyShow, Amazon, Flipkart, and other retailers. Spend ₹50 on Ajio, Nykaa, and other items to receive 10X Membership Rewards Points and 5X Amazon Membership Rewards Points.

Common Myths about Shopping Credit Cards

Now that you have some good knowledge about the best shopping credit cards. Let’s take a look at some common myths about these credit cards:

Shopping Credit Cards come with high-interest rates

Well, this myth is definitely not true. Shopping credit cards have interest rates similar to other credit cards. However, if you don’t pay your card bills on time, you will have to pay interest.

Shopping Credit Cards are only for Big Spenders

This myth has become a hype, and it is not true as well. Shopping credit cards are for everyone who wants to save money while shopping online.

Shopping Credit Cards contain Hidden Charges

Well, there are no hidden charges of a credit card; you simply need to check the credit card agreement section and all terms and conditions before applying for it.

Also Read: Top Credit Cards for Easy Utility Bill Payments!

Conclusion

To save money while you shop online, you need to have a shopping credit card. With multiple discounts, bonus cash back, and other benefits, you can save a lot and increase the chances of getting more rewards. Avoid falling for the myths about shopping credit cards. Use them wisely and save more money while shopping online.

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