Top Credit Card for Festival Season – Festival season has started. E-commerce companies Amazon and Flipkart have already launched their mega-festival sale online. You must have planned to purchase gifts and household items for this Diwali.
This year Diwali (Festival of Light) may not be celebrated with full of energy and joy due to COVID-19. Still, you will try to enjoy Diwali in one or another way. As you may be facing a cash crunch due to COVID-19, here are Top credit card ideas that will help you to save more money. These top credit cards will help you to get more discounts & more benefits while doing online shopping.
Top Credit Card for Festival Season – Online Shopping
#1 Amazon Pay ICICI Credit Card
Amazon Pay ICICI Credit Card is a specially designed card for Amazon Customers. This card offers 5% cashback benefits for Amazon Prime Customers. The earnings will be added to Amazon Pay Balance. It is one of the best cards for doing online shopping and saving money during the festival season. The key features of this card are given below.
Key Features
- 5% cashback on Amazon purchase for the Prime Members
- 3% cashback on Amazon purchase for the Non-Prime Members
- 15% savings on dining bills at over 2500 restaurants across India
- 1% fuel surcharge waiver
- 1% cashback on all other purchase-including shopping, dining, insurance, etc
- No Joining fee or Annual Fee
- Interest rate – 3.8% per month (45.6 per annum)
Also Read – Credit Card EMI Offer – Should you opt?
#2 HDFC Millennia Credit Card
HDFC Millennia Credit Card is one of the best credit cards for saving more money during the festival season. You will get cashback benefits on spending money online. You will also get a cashback benefit on offline purchases. Key features and benefits of the HDFC Millennia credit card are given below.
Key Features
- 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp
- 5% CashBack on all other online spends
- 1% CashBack on all offline spends and wallet reloads
- The card comes with Zero Cost Liability
- The card comes with 50 days Interest-free credit period
- Complimentary Domestic Lounge Access
- Smart EMI Facility available
Charges
- Joining Fee – Rs.1000 + GST
- Renewal Fee – Rs.1000 + GST
- Interest rate – 3.6% per month (43.2% per annum)
#3 SBI Simply Click
SBI Simply Click is specially designed for online shopping benefits. You will get a special gift card as well as e-Shopping rewards for using this credit card. You will also get milestone rewards and annual fee reversal benefit on this card. Key Features of SBI Simply Click Card are given below.
Key Features
- The cardholder will get a Free Gift Card worth Rs.500 on joining
- You can earn 10x reward points on online spend with Amazon/Bookmyshow/Lenskart etc.
- 5x rewards on all other online spends
- On annual spend of 1 Lakh, the cardholder will get an e-voucher of Rs.2000
- 1% Fuel surcharge waiver for transaction above Rs.500
- You will get the FlexiPay option to convert your transaction into EMI.
Charges
- Joining Fee – Rs.499 + GST
- Renewal Fee – Rs.499 + GST
- Interest rate – 3.35% per month (40.2% per annum)
#4 Flipkart Axis Bank Buzz Credit Card
Flipkart Axis Bank Buzz Credit Card is a special card for the Flipkart Lovers. The cardholder will get the benefit of 10% instant discount as well as 5% cashback benefit. In addition to Flipkart, this card is also useful at other online platforms such as Myntra, MakeMyTrip, Goibibo etc. Key features of Flipkart Axis Bank Buzz Credit card are given below.
Key Features
- 2900 joining and activation benefits
- 5% cashback on Flipkart, Myntra and Goibibo
- 4% cashback on preferred merchants
- Complimentary Lounge visits to selected airport
- 1% Fuel Surcharge waiver benefit
- Up to 20% discount at partner restaurants in India
Charges
- Joining Fee – Rs.500 + GST
- Renewal Fee – Rs.500 + GST
- Interest rate – 3.4% per month (49.36% per annum)
#5 HSBC Cashback Credit Card
HSBC Cashback Credit Card is next in the list of best credit cards for online shopping. The cashback provided by this card is relatively less. However, this card offers multiple other benefits to the customer. Key Features and benefits of HSBC Cashback Credit Card are given below.
Key Features
- 5% discount on Amazon purchase above Rs.1000
- 20% off on Swiggy orders for the limited period
- 500 Amazon Voucher as welcome benefit
- 5% cashback on all online spends.
- Annual Membership Reversal facility
- Up to 15% discount on selected restaurants across India
Charges
- Joining Fee – Rs.750 + GST
- Interest rate – 3.3% per month (39.6% per annum)