Credit Card should be chosen according to our lifestyle and spending habit. This is only how one can get maximum rewards and earn cash back. If you are shopaholic and love buying the latest fashion collection then it will be beneficial to choose the card that lets you save money on your shopping. Even if it’s the purchase of household items and groceries, you can still save a lot by paying with the right credit card.

best credit card india

There are various cards that offer attractive rewards on shopping at the partner outlet and otherwise. But the best credit card in India that can enhance your shopping experience are as follows:

SBI Simply Click

This card is truly designed for online shopping. The customer gets 10X reward points for making an online purchase. The customer has to pay one time annual fee of ₹ 499 and renewal fee of ₹ 499 per annum. The annual fee is reversed if the annual spends for the previous year exceed or is equal to ₹ 1,00,000. The holder gets the interest free credit period of 20-50 days and thereafter has to pay finance charges up to 3.35% per month. The holders of this card are entitled to receive the following benefits –

  • As a log-in gift, the customer receives gift card worth ₹ on joining
  • Earn 10X rewards on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / Zoomcar
  • Earn 5X rewards on all other online spends
  • E-voucher worth ₹2,000 on annual online spends of ₹1 lakh
  • E-voucher worth ₹2,000 on annual online spends of ₹2 Lakhs
  • 2.5% fuel surcharge waiver for each transaction between ₹500 & ₹3000 (exclusive of GST, wherever applicable, & all other charges)
  • ₹700 instant cashback on domestic roundtrip flights worth ₹5,000 or more booked using Cleartrip Mobile App
  • ₹500 instant cashback on domestic roundtrip flights worth ₹5,000 or more booked using Cleartrip website

Axis Bank Buzz Credit Card

This is the ideal card for people who keep shopping site as the internet home page. The bank charges the joining fee of ₹750 and the annual charges of ₹750 from second year onwards. The customer doesn’t have to pay any annual fee for the first year. The holder of the card gets the privileges such as-

  • Flipkart gift voucher worth ₹1,000 on making 3 purchases within first 45 days as a welcome gift
  • Exclusive discount of 5% at Flipkart whenever you shop
  • 3X Axis eDGE reward points on online shopping
  • Gift vouchers worth ₹8,000 from Flipkart
  • On every ₹200 spent online the holder gets 6 Axis eDGE reward points
  • Conversion of purchases to EMI on transactions of ₹2,500 or more through multiple options

HDFC Solitaire Credit Card

HDFC Bank has uniquely designed this card to benefit the women shopaholics and increase their joy. The customer can now enjoy spending and shopping as for every spent of ₹150 the holder is rewarded with 3 points. The Bank offers interest free credit period of up to 50 days with other benefits that are as follows-

  • The customer receives ₹1,000 Shoppers Stop vouchers on ₹75,000 spends every six months
  • 50% more reward points on dining and grocery spends
  • Chance to earn a cashback of more than ₹4,000 on PR gathered by spending ₹5 lakhs on the card.
  • No cost liability on losing the card
  • Option of saving ₹1,500 in a year on fuel transaction

CitiBank Rewards Card

The Bank doesn’t charge any joining fee for issuing the card. The customer only has to bear the nominal annual fee of ₹1,000 at the end of the year. This fee too is waived off on making spends of ₹30,000 in the membership year. The holder without spending more on the credit card can avail the advantage of extra reward points. The customer can redeem or collect the reward points as per his/her choice as the reward points will never expire. It has numerous benefits, especially for the online shopping.

  • Welcome rewards in the form of 1,500 bonus points on the first spend made within 30 days of card issue
  • Attractive redemption offers
  • Win 10 Reward Points for every ₹125 spent at apparel and department stores and select partners
  • Earn 1 Point for every Rs125 on all other purchase

ICICI Bank Coral American Express Credit Card

It is the most preferential credit card for online shopping. With zero annual fees for the first year, the customer has to pay ₹1,000 as the membership fee. The card user gains heavy discounts, movie vouchers and can save a lot on the usage of the card.

  • 50% extra reward points on online spends
  • Complimentary Provogue tie on joining
  • Earn 4 PAYBACK points on every ₹100 spent on dining, groceries and at supermarkets
  • Win 3 PAYBACK points on every ₹100 spent on online transactions
  • Gain 2 PAYBACK points on every ₹100 spent on other transactions excluding fuel

The people looking for the Best Credit Card in India to shop can compare the benefits and offers granted on various cards and select the one that serves the purpose. Besides the mentioned card there are other cards as well that can fit well your requirement.  

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