Best Credit Cards For Shopping-2022
Posted by Creditkaro
The world has already started coming out of a pandemic. The people
are coming out of their exile they had to spend throughout 2020 and many months
in 2021 and started celebrating different festivals that take place throughout
the year. Nowadays, with more human beings showing a preference for online
shopping from different retail stores the demand for shopping has taken a great
rise. People are purchasing everything ranging from gadgets to groceries and
they are using credit cards while shopping with the purpose of getting
rewarded. That is the reason premier banks as well as NBFCs are offering credit
cards with exclusive benefits on both online and offline shopping.
Here goes the list of best credit cards for shopping:
1. Flipkart Axis Bank Credit Card
Axis Bank's Flipkart credit card is poised to offer cashback,
especially for those individuals who are Flipkart loyalists. This is also one
of the premium cashback credit cards in India that offers 1.5% flat cashback on
all the purchases customers make and it is the second-highest cashback rate in
the market.
Annual Fee: Rs 500
Minimum Income Required: Communicated at the time of
sourcing.
Key Features & Benefits:
1. 5% cashback on Flipkart, Myntra & 2GUD
2.
4% cashback on Cure, fit, Swiggy, PVR & Uber.
3.
1.5% cashback on other categories.
4.
Rs 2900 worth of joining and activation benefits from Flipkart, Myntra, Gaana,
Plum Goodness, and Phy Life.
5.
4 complimentary lounge visits every year.
6.
Up to 20% discount at 4000+partner restaurants, including KFC, TGIF, Beoco's,
etc.
7.
1% fuel surcharge waiver for transactions worth Rs 400 to Rs 4000.
USP:
Benefits across varied categories.
2.
Amazon Pay ICICI Credit Card
Amazon
Pay is surely another premier credit card for both online and offline shopping
in India. The key reason is that Amazon itself is one the most trendy platforms
and it has got unique deals that range from furniture and electronics to stationery
and groceries. Whatever customers need they can find everything on Amazon and
while using credit cards customers can be rewarded also.
Annual
Fee: Zero
Minimum
Income Required:
Rs 25 thousand per month for ICICI Bank customers & Rs 35 thousand per
month for others.
Key
Features & Benefits:
1.
Lifetime free credit card.
2.
5% cashback for prime customers while shopping at Amazon.
3.
3% cashback for non-prime members for Amazon spending.
4.
2% cashback on 100+partner merchants of Amazon.
5.
1% cashback on all other transactions.
6.
15% discount at partner restaurants of ICICI Bank.
7.
1% fuel surcharge waiver across all petrol pumps.
USP:
Excellent cashback offers and zero annual fees.
3.
HSBC Cashback Credit Card
HSBC
cashback credit card offers unlimited cash back on the customers' all
purchases. The card helps a customer to earn cashback without any hesitation of
reaching a minimum spending level and this freedom has made this credit card
one of the best cashback credit cards in India. Simultaneously, the customers
also shop freely according to their choice, benefitting the freedom of these
cards. The card helps customers to earn 1.5% cashback on online shopping and 1%
cash back on offline purchases. Additionally, the customers can get a sign-up
bonus, 20% discounts on Swiggy, and 5% off on shopping from Amazon.
Annual
Fee: Rs
750
Minimum
Income Required: Rs
33, 333 per month.
Key
Features & Benefits:
1.
20% discounts on Swiggy orders.
2.
5% discounts on shopping from Amazon valued at Rs 1000 or more.
3.
1.5% cashback on online shopping (excluding transfers of funds to online
wallets) and 1% off on another spending.
4.
Rs 500 Amazon voucher on spending Rs 500 or more for shopping at a time within
30 days of card activation.
5.
No maximum cap on cashback.
6.
Up to 15% discount while dining at partner restaurants in major cities.
USP:
Unlimited cashback offers on all purchases.
4.
HDFC Millennia Credit Card
HDFC
Millennia credit card is so particularly fabricated that delivers the needs of
millions of people who love to shop online and like to get rewarded for their
spending. HDFC Millennia is such a credit card that offers cash points on every
transaction made on multiple platforms such as Amazon, Flipkart, and more. This
credit card offers 5% cash back for online shopping. Additionally, along with
the benefit of online shopping, this credit card provides 1% cashback on all
offline shopping also.
Annual
Fee: Rs
1000
Minimum
Income Required: Rs
25,000 per month.
Key
Features & Benefits:
1.
1000 cash points (reward points) on payment of the membership fee.
2.
Rs 1000 gift voucher on spending at least Rs 1 lakh in each calendar quarter
through shopping.
3.
5% cash back for shopping through Amazon and Flipkart, flight & hotel
booking on shopping through PayZapp and SmartBuy.
4.
2.5% cashback on online purchases.
5.
1% cashback on all offline spending through shopping.
6.
8 complimentary domestic lounge accesses per calendar year.
USP:
Loyal customers of Amazon and Flipkart can get the best of this card.
5.
Axis Bank ACE Credit Card
Axis
Bank ACE credit card is one of the most utility credit cards in India. This
credit card offers the highest cashback of 2% for all kinds of transactions
through shopping and up to 5% cashback also on bill payments such as DTH and
mobile recharges through Google Pay and 4% discounts on spending at Swiggy,
Zomato & Ola. Axis Bank ACE credit card can be the best for those customers
who are looking for credit cards with low fees and better non-travel rewards.
Annual
Fee: Rs
499
Minimum
Income Required: Communicated
at the time of sourcing.
Key
Features & Benefits:
1.
5% cashback on every bill payment, DTH recharge, and mobile recharge initiated
via Google Pay.
2.
4% cashback on Swiggy, Ola, and Zomato.
3.
2% cashback on all other spending.
4.
No upper limit or maximum cashback earned.
5.
4 complimentary domestic lounge visits in a year.
6.
Up to 20% discount at 4000+ participating restaurants.
7.
1% fuel surcharge waiver across all fuel stations in India.
USP:
Highest cashback offers on all transactions
6.
American Express SmartEarn Credit Card
American
Express SmartEarn credit card is the only entry-level card by American Express,
designed for millions of people who would like to earn reward points on every
spending. This credit card is called ideal for beginners and frequent users of
Flipkart, and Uber rides as this card offers 10X reward points on these brands.
The rate of reward points is quite attractive for a low-annual fee credit card.
The users can also get 'membership rewards' where they can get better reward
points compared to other banks' reward points.
Annual
Fee:
Rs 495
Minimum
Income Required: Rs
37,500 per month.
Key
Features & Benefits:
1.
10X reward points for every 50 spent on Flipkart and Uber, capped at 500 MR
points per month each.
2.
5X reward points for every 50 spent on Amazon, Myntra, Grofers, Swiggy, Big
Bazar, and more capped at 250 reward points per month.
3.
1 reward point for every Rs 50 spent across all categories.
4.
Cashback of Rs 500 on spending Rs 10,000 in the first 90 days of card issuance.
5.
0% convenience fee at HPCL pumps for transactions under Rs 25,000.
USP: One of the best
credit cards for online shopping.
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