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Some of the Top Shopping Credit Cards in India 2022

There are different types of shopping credit cards available in India. Read the list below:

1. SBI SimplySave Credit Card

This shopping credit card is one of the premium category cards that is suitable for you if you prefer using your card for daily transactions. SBI SimplySave Credit Card offers maximum benefits and reward points on spending categories like grocery, dining, entertainment, and more. Some of the features of this card are:

  • 10x reward points on grocery, movies, dining, and departmental stores.

  • Earn 1 reward point on every ₹100 spent on remaining categories

  • Chance to redeem the accumulated credit card reward points against a host of gifts in the rewards catalogue

  • The SBI SimplySave Credit Card offers fuel surcharge waivers for any transactions between ₹500 and ₹3,000 at petrol pumps across the country

  • You have a chance to earn 2,000 bonus reward points when you spend the same amount in the first 60 days of getting the card

 2. Kotak Bank Delight Platinum Credit Card

The Kotak Bank Delight Platinum credit card is another option available if you love spending on lifestyle categories such as entertainment, dining, travelling, and more. This card is accompanied by various benefits like cashbacks, discounts, and waivers making it a versatile and must-have card for all. Some of the features of this card are:

  • Earn a cashback of 10% on entertainment and dining. During one billing cycle, spend ₹10, 000 or more on categories other than entertainment or dining to qualify for the cashback.

  • You can earn four complimentary movie tickets to PVR theatres across the country by spending ₹1,25,000 semi-annually

  • Book on and get a 1.8% railway surcharge waiver. Book at Indian Railway booking counters and get a 2.5% railway surcharge waiver.

  • You can enjoy a fuel waiver of 2.5% on fuel transactions at petrol pumps in India

 3. HDFC Bank MoneyBack Credit Card

This amazing card is for those of you who love to earn cashback and money back on most of your transactions. Additionally, you can also redeem the accumulated points for cash instead of gifts from the reward catalogue. Some of the features of this card are:

  • For every ₹150 spent, you can earn two reward points

  • For every online transaction, you can earn four reward points

  • You can take the liberty to enjoy a cashback of ₹20 for every 100 reward points

  • Apart from cashback, you can also redeem your accumulated reward points for gifts from the bank’s reward collection

  • And finally, with a minimum transaction value of ₹400, you can enjoy a fuel surcharge waiver of 1%

 4. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card offers a lot of benefits and rewards. From cashbacks to discounts and accelerated reward points, this card is truly a must-have credit card for all shopaholics. Some of the features of this card are:

  • For the first 12 months of having the card, the cardholder can enjoy three times the reward points on telecom, hotel bookings, and dining purchases

  • Apart from the above, you can enjoy a 15% discount on dining in major cities across the country

  • You can enjoy a welcome benefit of a BookMyShow voucher of ₹250 and a Cleartrip voucher of ₹2,000

  • Typically, fuel transactions between ₹400 and ₹4,000 are exempt from fuel surcharges up to ₹250 per calendar month

Best Shopping Credit Cards

Shopping credit cards are a must in today's world. They offer a lot of benefits to the customer, like  discounts, cashback, offers and incentives. Whether you use them in-store or online, giving you the freedom to shop at any time without the concern of immediate payments. Shopping credit cards have brought the stores closer to you and shopping has become a convenient option.

How to Apply for a Shopping Credit Card 

To apply online for shopping credit card, follow these steps:

  • Step 1: Visit the official website of Bajaj Markets.

  • Step 2: Fill in the essential details to check your eligibility. 

  • Step 3: Check out the different shopping credit cards available and compare the products.

  • Step 4: Select the best shopping credit card. 

  • Step 5: Fill out the application form and submit it.

Eligibility Criteria & Documents Required for Shopping Credit Card

You must fulfil the following eligibility criteria to avail a shopping credit card:

1. Eligibility Criteria for Shopping Credit Card

  • Nationality: You must be a citizen of India.

  • Age: Your age must be at least 21 years.

  • Employment Status: You must either be salaried or self-employed.

  • Credit History: You must have a good credit history.

2. Documents Required to Apply for a Shopping Credit Card

Keep the following list of documents handy while applying for a shopping credit card:

  • Proof of Address: Aadhaar card/ passport/ utility bills for the previous 3 months/ driver’s licence/ property registration documents/ ration card/ NREGA-issued job card/ or any other photo ID card issued by the government.

  • Proof of Identity: PAN card/Aadhaar card/ driver’s licence/ voter’s ID card/ passport/ NREGA-issued job card/ or any other photo ID card issued by the government.

  • Proof of Income: Latest Form-16, salary slips for the last 3 months, or bank statement for the last 3 months.

  • Duly signed in application form.

  • Passport size photograph.

Features & Benefits of Shopping Credit Card

To get the maximum benefit from your shopping credit card, you must know the features and benefits beforehand. Read on to find some of these.

  • Reward Points

You can earn rewards points on shopping, movie tickets, dining etc on a shopping credit card. Accumulate and redeem these points later to buy your favourite products/services.

  • Welcome Benefits

You can get welcome benefits in the form of vouchers across categories such as movies and travel after obtaining a shopping credit card.

  • Fuel Surcharge Waiver

You can enjoy fuel surcharge waiver on specific amounts of fuel spent with a shopping CC.

  • Discounts

You can get assured discounts or offers on shopping credit cards especially on your dining spends at partner restaurants in major cities.

Top Shopping Credit Cards in India 2022

There are different types of shopping credit cards available in India. Read the list below:

1. Shopping Credit Card with Rewards

There are certain shopping credit cards that provide reward points on transactions. You can accumulate the credit card reward points and redeem those points later. For example, the HDFC MoneyBack Credit Card and the SBI SimplyCLICK Credit Card

2. Shopping Credit Card with Cashbacks

Other variants of shopping credit cards extend attractive cash-back offers on shopping across categories such as apparels, electronics, and more. For example, the Axis Ace Credit Cards and the Amazon Pay ICICI Credit Card

3. Shopping Credit Card with Discounts

Lastly, there are specific shopping credit cards that have tie-ups with merchant stores. If you purchase from the partner stores with these credit cards, you can get amazing assured discounts. For example, the Axis Bank Buzz Credit Card

Remember, the type of shopping credit card available in the market can differ from bank to bank. Sometimes, you can come across credit cards that pack a combination of rewards, cashback or discount.

How to Use Credit Card for Online Shopping

With a shopping CC, you can purchase electronics, luxury items, groceries, and more with a few simple clicks. Follow the steps mentioned below to use a shopping credit card online:

  • Step 1: Choose the website from which you want to make a purchase and select the item(s).

  • Step 2: Click on ‘Add to Cart’ or ‘Add to Bag’ option and add the item(s).

  • Step 3: Move to the ‘Check-out’ page of the online platform.

  • Step 4: Next, enter shipping details including your name, address, contact number and Pin code, landmark. You can choose the same address as your ‘billing address’ or submit a different one.

  • Step 5: Then, click on ‘Choose Payment Methods’ and select ‘Credit Card’ from the options available. Enter details such as credit card number, expiry date, credit card CVV number, etc.

  • Step 6: After submitting the details, you will be directed to a payment gateway. Next, you will receive an OTP to confirm the transaction. Enter the OTP and the transaction will be successful.

How to Choose the Right Shopping Credit Card?

If you’re planning on getting one in the near future, it is important to ensure that you get the best credit card for shopping. But how do you do that? It is simple. All you need to do is keep the below-mentioned factors in mind when picking out a shopping credit card.

  • Your Requirements

The kind of shopping credit card that you would have to opt for primarily depends on what you plan to use it for. For instance, if you’re someone who shops regularly on e-commerce websites, you might want to consider getting the best credit card for online shopping. For example, Amazon Pay ICICI Bank Credit Card caters to those who extensively shop on Amazon. Compared to that, HDFC MoneyBack Credit Card and the SBI SimplyCLICK Credit Card are generally preferred by those who want gift vouchers, reward points, etc. If you are someone who frequents airports, credit cards that provide exclusive lounge access can be a fit for you.

  • Annual Fees 

The fee that you would have to pay towards a credit card each year also varies depending on the type of shopping credit card you opt for. Generally, the annual fee for such cards starts from ₹49 and goes up to ₹1,000. There are also some cards for which the fees begin only after 2nd year or later. In addition to this, you can also find a few lifetime-free shopping credit cards. Therefore, when opting for a card, thoroughly examine if the annual fees are worth the benefits, reward points and discounts they provide.

  • Welcome Bonuses

Many shopping credit cards offer welcome gifts when you spend a certain amount within a few days from card activation. These gifts can either be in the form of bonus reward points or e-vouchers. Choosing such credit cards allows you to maximise the benefits you can receive from them. However, these are often one-time rewards. Hence, you should be cautious of credit cards that attract you with generous welcome bonuses but don’t offer much in terms of benefits otherwise and have a high annual fee too.

  • Rewards 

The rewards that you stand to enjoy may vary from one card to another. Vouchers from well-recognised brands like Cleartrip, BookMyShow, Amazon, Flipkart, Tanishq, Myntra, etc., are often given. Other benefits include a fuel surcharge waiver, discounts at partner restaurants, and many more such rewards. Many brands exclusively partner with credit card companies. Therefore, it is important to choose a card that offers rewards that are in line with your needs and requirements.

  • Credit Card Fees and Charges

When choosing the best credit card for shopping, always make sure to check the various charges applicable on the card. You should watch out for any hidden charges. The most common fee is the annual maintenance charge. Other such charges include cash advance fees (applicable for cash withdrawals from ATMs) and GST (levied on the annual fees, interest payments and processing fees). It is always advisable to opt for a card that comes with low fees. 

FAQs about Shopping Credit Card

✔️ What is a shopping credit card?

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

✔️Which is the best credit card for offline shopping?

The idea of the best shopping credit card varies from one user to another. One credit card may prove to be ideal for a user and not for another. Hence, you must choose a credit card based on the features offered, your shopping needs and your financial standing or profile.

✔️Which credit card is best for mobile shopping?

Credit card which comes with EMI conversion facility is considered best for mobile shopping as you can convert your big-ticket purchase into affordable EMIs.

✔️What is the benefit of reward points?

Certain shopping credit cards offer reward points when you use them for purchases or for making payments. Once enough reward points are accumulated, you can use them to avail e-vouchers, discounts and a whole lot of other offers.

✔️What are the advantages of a Shopping Credit Card?

Shopping credit cards are designed to offer a wide range of benefits each time you use them to shop for products and services. Depending on the card that you opt for, you may stand to receive benefits such as bonus or accelerated reward point accumulations on certain specific transactions, shopping discounts and cash backs on specified purchases. You may even get welcome benefits for spending a certain sum of money within the first 30 or 60 days of card activation.

✔️Is it safe to buy products online with a credit card?

Yes, it is absolutely safe to make online purchases using a credit card. Every known e-commerce website has a secure payment gateway that keeps your transactions safe. Moreover, most online transactions ask for an OTP (One-time Password) to authorise every purchase which adds an extra layer of protection.