Best Shopping Credit card

Shopping Credit Card

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What is a Shopping Credit Card?

While some credit cards are ideal for travelling, business, or handling student expenses, there are special credit cards that are designed just for shopping and are even known as Shopping credit cards. Such credit cards reward you for shopping both online and offline. So, if you are a shopaholic, quit waiting and apply for a Shopping credit card today!

Types of Shopping Credit Cards

  • Shopping Credit Cards with Rewards:

These cards provide reward points on transactions that you make. The accumulated credit card reward points can then be redeemed against offers in the rewards catalogue provided by the credit card issuer

  • Shopping Credit Card with Cashbacks:

These credit cards offer amazing cash-back offers on purchases across categories such as apparels, electronics, and more.

  • Shopping Credit Card with Discounts:

Some Shopping credit cards have tie-ups with merchant stores. You can get amazing discounts when you shop at partner stores with these credit cards.

Note: The type of Shopping credit card available will differ from bank to bank. Sometimes the card can even offer a combination of rewards, cashback or discounts.

Top Shopping Credit Cards in India

Popular Indian banks offer a variety of Shopping credit cards to choose from. Here is a list of the top cards along with their features and benefits to help you select the best Shopping credit card for yourself.

Card Name

Annual Fee

Features and Benefits

SBI SimplySAVE Credit Card

Joining Fee:₹499

Annual Fee:₹499

  • 10X reward points on spends related to grocery, movies, dining, and departmental stores.

  • 1 reward point for every ₹100 spent on the card.

  • 2,000 bonus reward points against spends of ₹2,000 or more within 60 days of card issuance.

  • Rewards redeemable as gift vouchers from the rewards catalogue.

 

HDFC Bank MoneyBack Card

Joining Fee:₹500

Annual Fee:₹500

  • 2 reward points for every ₹150 spent on the card.

  • 4 reward points for every ₹150 spent on the card online.

  • Earn ₹20 cashback against every 100 reward points.

  • Rewards are also redeemable as gift vouchers from the rewards catalogue.

 

Axis Bank NEO Credit Card

Joining Fee:₹250

Annual Fee:₹250

  • ₹ 250 Amazon gift voucher on first spend within 30 days of card issuance.

  • ₹ 300 and ₹500 gift vouchers for movie tickets and online shopping, respectively, against shopping spends at e-commerce websites.

  • 20% off on dining at 4,000+ partner restaurants as a part of the Dining Delights program.

  • 2 EDGE REWARD points against every ₹200 spent on the card.

RBL ShopSmart SuperCard

Joining Fee:₹499

Annual Fee:₹499

  • ₹500 gift voucher on payment of joining fees and spends worth ₹2,000 within 30 days of card issuance.

  • Cashback of 5% on all grocery spends.

  • Cashback worth ₹1,000 against every ₹1,00,000 spent in a year.

  • Reversal of annual fee for the second year on spends of ₹50,000 in the first year.

Standard Chartered DigiSmart Credit Card

Joining Fee:₹49 (monthly)

Annual Fee:₹49 (monthly)

  • 20% off at Myntra valid on 1 transaction per month

  • 10% discount on Zomato orders valid for 5 transactions per month

  • 10% off at Grofers, valid for 5 times per week

  • Enjoy buy one get one free at INOX on the weekends, twice a month

How to Apply for a Shopping Credit Card?

You can apply for a Shopping credit card online as well as offline. Based on your preference, select the ideal option and follow the below-mentioned steps to proceed with your application.

Steps to Apply for Shopping Credit Card Online?

  • Visit Finserv MARKETS.

  • Fill in the details to check your eligibility.

  • Compare the multiple Shopping credit cards available

  • Select the best Shopping credit card.

  • Fill the form and submit your application.

Steps to apply for Shopping Credit Card Offline

  • By visiting the bank

If you would like to opt for the offline mode of applying for a Shopping credit card, you can view the variety of Shopping credit cards available on the Finserv MARKETS site, choose the one you like best, and visit the card-issuing bank to apply for your new Shopping credit card.

The executive at the bank would help you fill the application form and verify your documents before processing the request.

  • By contacting customer care

You can also call the bank’s customer care number for any assistance regarding your Shopping credit card application.

Eligibility to Apply for a Shopping Credit Card

In order to apply for a Shopping credit card, the following eligibility criteria must be met:

  • The applicant must be a citizen of India

  • The applicant must be at least 21 years of age

  • The applicant must be salaried or self-employed

  • The applicant must have a good credit history

Documents Required to Apply for a Shopping Credit Card

To apply for a Shopping credit card, here is a list of documents that are commonly accepted as proof:

1) Proof of Identity: One copy of either your PAN card, Aadhaar card, passport, driver’s licence, voter’s ID card, NREGA-issued job card, or any other photo ID card issued by the government.

2) Proof of Address: One copy of either your Aadhaar card, passport, driver’s license, utility bills for the last three months, documents related to property registration, ration card, bank account statement for the last three months, NREGA-issued job card, or any other photo ID card issued by the government.

3) Proof of Income: One copy of either your latest Form-16, salary slips for the last three months, or bank statement for the last three months.

How to use Credit Card for Online Shopping?

You can use your Shopping credit card to shop for groceries, electronics, luxury items and more with a few simple clicks. Just follow these steps for online shopping with a credit card once you have browsed the website and selected the item of your choice:

  • Add your selected item to the online cart on the website by clicking on ‘Add to Cart’ or ‘Add to Bag’ option

  • Once the item is added, go to the ‘Check Out’ page of the website

  • Enter shipping information such as your name, address, contact number and Pin code. You can choose the same address as your ‘billing address’ or can submit a different one

  • The check-out page will also display the total bill generated for your online purchase. Click on ‘Choose Payment Methods’ and Select ‘Credit Card’ from the number of options available

  • You will be asked to provide details such as credit card number, expiry date, CVV number, etc.

  • Once all the details are submitted, you will be directed to a payment getaway. You will receive an OTP to confirm the transaction. Once you enter the OTP, the transaction would be successful.

Frequently Asked Questions

  • ✔️What is a shopping credit card?

    A shopping credit card is a special credit card that is designed for shopping. You can use it to purchase items online as well as offline and enjoy discounts and offers. You can also earn reward points on the card that can be redeemed as gift vouchers, discounts, or cashback.

  • ✔️What special offers can I avail on a shopping credit card?

    You can earn accelerated rewards across a range of spending categories such as grocery, movies, online shopping, etc. You can also earn bonus reward points against milestone annual spends. Some shopping credit cards also offer gift vouchers for movie tickets and online shopping as well as annual fee waivers.

  • ✔️What are the features of a shopping credit card?

    Shopping credit cards reward you for using them to make lifestyle purchases. These rewards can be in the form of points, discounts, deals, annual fee waivers, cashback, gift vouchers, etc. 

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