Which are the Best Credit Cards for Online Purchases? Which credit card I should select for online shopping? If you are an internet geek and spend most of your time for doing online shopping, you must be looking for answers to these questions. Well, in this post, I will help you with the details of the 5 Best Credit Cards for Online Purchases. These cards are designed for exclusive reward points, cash back, gift vouchers, discounts, and multiple other benefits.
5 Best Credit Cards for Online Purchases
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
- 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
Amazon Pay ICICI Bank Credit Cards
ICICI Bank Amazon Pay credit card is another best credit cards for online shopping. Apart from online shopping, this card provides benefits on fuel. The key features and associated fees of this card are given below.
Key Features and Benefits
- 5% Cashback on spending at Amazon India if you are an Amazon Prime Member.
- 3% Cashback on spending at Amazon India if you are not an Amazon Prime Member.
- 1% Cashback on other expenses dining, shopping, and insurance payments.
- Fuel Surcharge Waiver.
- No limit or expiry date on the rewards earned using this card.
Fees
- No Joining and Annual Fee
- 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 a Flipkart Gift Voucher worth Rs.1000 on making 3 purchases within 45 days.
- Get up to 10% discount at Flipkart Every month.
- Option to convert the purchase to EMI.
- Milestone benefit on annual spending.
- Accelerated rewards for shopping online.
Fees
- 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 the 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 spending.
- 1% fuel surcharge waiver at all fuel stations across India.
- Zero Lost Card liability post reporting card loss to bank.
Fees
- Joining fees – Rs.500 + GST
- Annual fee – Rs.500 + GST
- Overdue Interest on extended credit 3.49% per month
Also Read – Top 5 Best Travel Credit Cards in India
Citi Bank Rewards Credit Card
Citi Bank Rewards Credit Card as the name suggests is an extra reward card. You can earn a 10X reward on this card. This card provides multiple redemption options to the customer. Key Features and benefit details of the Citi Bank Rewards credit card are given below.
Key Features and Benefits
- Earn 10X Reward Points on spending 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
- 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 that are enabled with https. These types of sites are secured as they make use of the certificate.
- Avoid saving your credit card information online.
- Keep your antivirus software up to date.
- Don’t use the 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.
