Shopping Credit Card

Shopping too can be guilt-free if you have the right credit card! Yes, it is indeed true. Apart from providing you with access to funds when you need them, credit cards also offer a host of other benefits. While some credit cards are ideal for travelling, or 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 credit card today!

Different Types of Shopping Credit Cards

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.

SBI SimplySAVE Credit Card

The SimplySAVE credit card offers accelerated rewards across a range of spending categories such as grocery, movies, dining, and more., making it one of the best shopping credit cards available in the market. Some of the features and benefits of the card include:

  • 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

Shopping with the HDFC MoneyBack credit card lets you earn rewards that you can redeem later as cashback. The card also supports contactless payments which makes it easy to shop with at retail outlets. Some of the features and benefits of the card include:

  • 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 also redeemable as gift vouchers from the rewards catalogue.

Axis Bank NEO Credit Card

The Axis Bank NEO credit card is one of the best credit cards for online shopping. It comes pre-loaded with offers and discounts, which makes it a treat to shop with. Some of the features and benefits of the card include:

  • ₹ 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

The RBL ShopSmart SuperCard is designed to cater to your spending habits based on your lifestyle; thus, you can enjoy high savings along with the best-in-class rewards, discounts, and vouchers. Some of the features and benefits of the card include:

  • ₹ 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.

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.

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.

Apply for Shopping Credit Card Offline

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

Documents Required to Apply for a Shopping Credit Card

To apply for a shopping credit card, you need to be eligible as well as provide certain documents for identification and authentication. These documents may vary from one lender to another. 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 license, 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.

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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