Which are Best Credit Cards for Online Purchase? Which credit card I should select for online shopping? If you are an internet geek and spending most of the time for doing online shopping, you must be looking for answers to these questions. Well, in this post, I will help you with the detail of 5 Best Credit Cards for Online Purchase. These cards are designed for exclusive reward points, cash back, gift vouchers, discounts and multiple other benefits.
5 Best Credit Cards for Online Purchase
SBI Simply Click
SBI Simply Click is one of the best credit cards for online shopping. SBI Simply Click has a tie-up with Amazon, Bookmyshow, and multiple other online e-commerce companies. This card gives 10X shopping rewards on online shopping.
Key Features and Benefits
- Gift Card from Amazon on Joining worth Rs.500.
- Earn 10X reward points on online spends with exclusive partners.
- Earn 5X rewards on all other online shopping.
- E-voucher worth Rs.2000 on annual online spends of Rs.1 Lakh.
- 1% fuel surcharge waiver for the transaction between Rs.500 & Rs.3000.
Fees and Charges
- Annual fees – Rs.499 + GST
- Renewal fees – Rs.499 + GST
- Interest free credit days up to 50 and finance charges up to 3.35%
Also Read – 15 Best Credit Cards in India 2018
ICIC Bank Coral American Express Credit Card
ICICI Bank Coral American Express credit card is another best credit cards for online shopping. Apart from online shopping, this card provides benefits like dining, shopping, travel, and entertainment. The key features and associated fees of this card are given below.
Key Features and Benefits
- 50% more rewards on online spending.
- Two complimentary movie tickets every month under the Buy One Get One.
- Minimum 15% saving on dining bills.
- Get up to 10000 PAYBACK points every anniversary year.
- 600 Unique rewards from PAYBACK program.
- Complimentary airport lounge access.
Fees and Charges
- Joining fees – Rs.500 + GST
- Annual fee (First Year) – NIL
- Renewal fees – Rs.499 + GST
- Overdue Interest on extended credit 3.40% per month
Axis Bank Buzz Credit Card
Axis Bank Buzz Credit Card is the card for Online Shoppers. This card is associated with Flipkart. You can get multiple milestone based benefit from Flipkart on this card. The key features and associated fees of this card are given below.
Key Features and Benefits
- Get Flipkart Gift Voucher worth Rs.1000 on making 3 purchase within 45 days.
- Get up to 10% discount at Flipkart Every month.
- Option to convert purchase to EMI.
- Milestone benefit on annual spends.
- Accelerated rewards for shopping online.
Fees and Charges
- Joining fees – Rs.750 + GST
- Annual fee – Rs.750 + GST
- Overdue Interest on extended credit 3.25% per month
HDFC Solitaire Credit Card
HDFC Solitaire Credit Card is the exclusive premium credit card for online shopping. This card provides exclusive rewards points, cashback, and a voucher for online shopping. Key Features detail of HDFC Solitaire credit card is given below.
Key Features and Benefits
- Get Rs. 1,000 Shopping vouchers on Rs. 75,000 spends every 6 months.
- 50% more Reward Points on dining and grocery spends.
- Enjoy shopping vouchers of total worth Rs. 2,000 every year.
- Earn a CashBack of more than Rs. 2000 on RP accumulated by spending Rs. 5 lakh on your card.
- Zero Lost Card liability post reporting card loss to bank.
Fees and Charges
- Joining fees – Rs.1000 + GST
- Annual fee – Rs.1000 + GST
Also Read – Top 5 Best Travel Credit Cards in India
Citi Bank Rewards Credit Card
Citi Bank Rewards Credit Card as the name suggest it is an extra reward card. You can earn 10X reward on this card. This card provides multiple redemption options to the customer. Key Features and benefit detail of Citi Bank Rewards credit card is given below.
Key Features and Benefits
- Easy EMI option for Amazon and Snapdeal purchase
- Earn 10X Reward Points on spends at apparel and department stores.
- Accelerated rewards earn 1 point for every Rs.125.
- Redeem points instantly at selected partners.
- Get 300 bonus points on card spends of 30000 or more in a month.
- Redemption points never expired.
Fees and Charges
- Annual fee – Rs.1000 + GST – Fees will be waived off for making spend of Rs.30000 annually.
- Overdue Interest on extended credit 3.25% per month
Tips for Using your Credit Card Online
Here are a handful of basic tips to make sure your online credit card purchases are safe –
- You should make use of websites which are enabled with https. These types of sites are secured as it makes use of the certificate.
- Avoid saving your credit card information online.
- Keep your antivirus software up to date.
- Don’t use Free WiFi facility while doing an online transaction using a credit card.
- Make sure your card comes with additional security.
- Make use of virtual credit cards for added security
I hope the information and tips given above will be helpful to you.
Do share your queries in the comment section given below.