Best Shopping Credit card

Shopping Credit Card

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Best Shopping Credit Cards

Shopping credit card is especially customised keeping in mind the shopping needs of yours. These popular categories of credit cards are packed with lucrative benefits, discounts, cashback and rewards and certainly takes care of your spending on shopping.

 

Therefore, if you are a shopaholic and obsessed with shopping, then apply for a shopping credit card online and bring home products you like without waiting for your payday!

How to Apply for a Shopping Credit Card

To apply online for shopping credit card, follow the 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:

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.

Documents Required to Apply for a Shopping Credit Card

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

 

  1. 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.

  2. 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.

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

  4. Duly signed in application form.

  5. 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.

  • Reward Point

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.

  • 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 credit card.

  • 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 Cards 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.

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.

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 assuredly get amazing discounts.

 

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.

 

Refer to the table mentioned below to get the list of top shopping credit cards in India:

Shopping Credit Card

Best Features

Axis Ace Credit Card  

  • Joining fee is ₹499

  • 5% cashback on bill payments, DTH, and mobile recharges via Google Pay  

  • 1% fuel surcharge waiver on fuel spent at all fuel stations in India

Amazon Pay ICICI Credit Card

  • No joining or annual fee

  • 5% cashback on shopping at Amazon (for Amazon Prime Members)

  • Accumulated rewards can be used to buy items from over 10 crore products at 100+ merchant partners      

SBI SimplyCLICK Credit Card

  • Annual fee is ₹499

  • 10X rewards on online transactions with select partners and 5X rewards on other spends

  • 1% fuel surcharge waiver on fuel spends between ₹300 and ₹3000

HSBC Cashback Credit Card

  • Zero joining fees

  • Unlimited cashback on transactions

  • 1.5% cashback on all online transactions (except for the transfer of funds to online wallet) and 1% on all other spends

Flipkart Axis Bank Credit Card

  • Joining fee is ₹500

  • Get welcome benefit worth ₹1100 and activate benefits on the Flipkart Axis Bank Credit Card

  • 5% cashback on Flipkart and Myntra, 4% cashback on selected merchants and 1.5% cashback on all other categories

HDFC Millennia Credit Card

  • Joining or renewal membership fee is ₹1000 plus GST

  • 5% Cashback on Amazon, BookMyShow, Flipkart, Myntra, Cult.fit, Tata CLiQ, Sony LIV, Swiggy, Uber and Zomato

  • Gift vouchers worth ₹1000 on transactions of  ₹1,00,000 and above in each quarter.

Standard Chartered DigiSmart Credit Card

  • No annual fee instead you have to pay ₹49 per month. You can waive off this amount on monthly transaction of ₹5000 in the next month

  • 20% off at Myntra with no minimum spend

  • 10% off at Zomato with no minimum spend

HDFC MoneyBack Credit Card

  • Joining or renewal membership fee is ₹500 plus GST

  • 2 Reward Points on each spent of ₹150. These reward points are not applicable on spends on voucher purchases, fuel transaction, wallets loads or prepaid card loads.

  • 2X Reward Points i.e. 4 Reward Points on every ₹150 spent online.

Axis Bank Neo Credit Card

  • Joining fee is ₹250

  • 40% off on Zomato and 10% off on online shopping, movies etc.

  • EMI conversion facility on transactions over ₹2500.

Axis Bank Buzz Credit Card

  • Joining fee is ₹750

  • 10% and 5% instant discount on Flipkart from 1st-5th and 6th- 31st each month

  • EMI conversion facility on any transaction over ₹2500.

How to Use Credit Card for Online Shopping

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

  • 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.

FAQs about Shopping Credit Card

  • ✔️ What is a shopping credit card?

    A shopping credit card is a special credit card designed exclusively for shopping. You can use it to buy items online as well as offline and get discounts and offers on your shopping spends. 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 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.

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

    Shopping credit cards reward you when you make lifestyle purchases with these cards. These rewards are available in the form of discounts, deals, annual fee waivers, points, cashback, gift vouchers, etc.

  • ✔️ Which is the best credit card for offline shopping?

    The idea of the best 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.

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