10 Best Credit Cards for Online Shopping – Features, Benefits and Fees

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10 Best Credit Cards for Online Shopping – Features, Benefits and Fees

As an avid online shopper, you know the feeling of finding the perfect product with just a few clicks, adding it to your cart and clicking ‘buy now’ without a second thought. However, have you ever considered using a Shopping Card Credit for these purchases? With the right card, you can earn rewards and cashback, save money and enjoy other benefits.

According to a recent survey, the number of online shoppers in India is expected to reach 2.2 crore by 2025. Keeping the statistic in mind, we have compiled a list of the top 10 credit cards for online shopping. These cards offer a range of features and benefits, so you can choose the one that suits your needs.

Top 10 Credit Cards for Maximising Your Shopping Experience

  • ICICI Platinum Chip Credit Card

The ICICI Instant Platinum Credit Card is a great choice for those new to credit cards or who have a low credit score. The card is lifetime free, and you do not need to have any income proof or address proof to apply for it. Some of the features and benefits of the card include:

Features:

  • PIN-based contactless payment
  • Easy EMI options
  • Fuel surcharge waiver up to Rs 4000
  • Zero liability on lost card
  • Minimum 15% savings on dining bills

Benefits:

  • 1% cashback on all online transactions
  • 2 PAYBACK points on every Rs 100 spent
  • Free airport lounge access

Fees:

  • No joining fee
  • No annual fee
  • ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card is a premium credit card providing several benefits for frequent online shoppers. Some of its key features and benefits include:

Features:

  • Contactless Credit Card Payment
  • 2.5% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 4000

Benefits:

  • Rs 500 Amazon voucher as a welcome gift
  • Rs 500 worth of movie tickets every month
  • Exclusive discounts on BookMyShow

Fees:

  • Rs 1,000 joining fee
  • Rs 500 annual fee
  • ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card is an absolute choice for online shoppers who prefer luxury. Its notable features and benefits are:

Features:

  • Two credit cards in one account, Rubyx Visa Credit Card and Rubyx American Express Credit Card
  • Welcome gift of up to 2000 reward points
  • Discounts and privileges on dining, wellness, and shopping through the ICICI Bank Culinary Treats Program
  • Fuel surcharge waiver at HPCL petrol pumps

Benefits:

  • Redeem your reward points for a wide range of options, including air miles, hotel stays, merchandise, and vouchers
  • Option to convert your purchases into EMIs with flexible tenures and low-interest rates
  • Complimentary Personal Accident Insurance and Credit Shield cover
  • Secure transactions with the ICICI Bank Card Protection Plan
  • 24×7 customer service to assist you with any queries or concerns

Fees:

  • Rs 3,000 joining fee
  • Rs 2,000 annual fee
  • ICICI Bank Sapphiro Credit Card

The ICICI Bank Sapphiro Credit Card is yet another top-of-the-range credit card that offers several benefits for high-spending online shoppers, such as:

Features:

  • Dual card (American Express and Mastercard)
  • Discounts on dining, travel, and shopping
  • 24/7 concierge service
  • Personal accident insurance

Benefits:

  • Welcome gifts worth up to Rs 10,000
  • Annual fee waiver on reaching annual spends
  • Reward points on every purchase
  • Redemption of reward points against air miles and hotel bookings

Fees:

  • Rs 6,500 joining fee
  • Rs 3,500 annual fee
  • Amazon Pay ICICI Credit Card

Are you an avid online shopper who frequently shops on Amazon? If so, the Amazon Pay ICICI Credit Card might be perfect for you! This co-branded credit card by Amazon and ICICI Bank offers a variety of benefits and rewards to enhance your shopping experience on Amazon.

Features:

  • 5% cashback on Amazon.in for Amazon Prime customers
  • 3% cashback on Amazon.in for non-Prime customers
  •  2% cashback on spends at Amazon Pay partner merchants
  •  1% cashback on all other spends
  • No earning limits on cashback
  •  Zero lost card liability

Benefits:

  • Instant issuance of the card online, making it convenient for customers to apply and receive the card
  • Complimentary Amazon Prime membership on spending Rs 1 lakh or more on the card in a year
  • Exclusive offers and discounts on partner merchants of Amazon Pay

Fees:

  • Rs. 0 joining fee for Amazon Prime customers, Rs 499 for non-Prime customers
  • Rs. 0 annual fee for Amazon Prime customers, Rs 499 for non-Prime customers.
  • HDFC Bank Millennia Credit Card

The HDFC Bank Millennia Credit Card is a delightful choice for those who love to shop online. The card provides exclusive offers and discounts on online shopping sites like Amazon, Flipkart, Myntra, and more.

Features:

  • Visa payWave
  • EMV chip card technology
  • Zero liability on lost or stolen cards
  • Complimentary airport lounge access
  • Insurance coverage

Benefits:

  • Earn up to 5% cashback on online shopping and 1% on offline purchases
  • 1% fuel surcharge waiver
  • Emergency card replacement and cash advance facility

Fees:

  • Rs 1,000 joining fee (waived off on spends of Rs 15,000 within the first 90 days)
  • Rs 1,000 annual fee (waived off on spends of Rs 1 lakh or more in the previous year)

SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is a wonderful option for massive savings on your shopping sprees on online platforms, including Cleartrip, BookMyShow, and more. 

Features:

  • Complimentary accident insurance coverage
  • Flexipay option

Benefits:

  • Up to 1.25% cashback on online purchases
  • 0.25% cash back on other spends
  • Fuel surcharge waiver
  • Annual fee reversal on spending Rs 1 lakh in the previous year

Fees:

  • Rs 499 joining fee
  • Rs 499 annual fee (waived off on spending Rs. 1 lakh or more in the previous year)
  • Axis Bank Buzz Credit Card

The Axis Bank Buzz Credit Card is brilliant for people who love to shop on Flipkart. The card provides exclusive offers and discounts on Flipkart and also offers reward points on every purchase. 

Features:

  • No-contact payment
  • EMV chip card technology
  • Insurance coverage
  • EMI conversion option

Benefits:

  • Up to 6% cashback on Flipkart
  • 3% cash back on other online transactions
  • Exclusive offers and discounts on Flipkart

Fees:

  • Rs 750 joining fee
  • Rs 750 annual fee (waived off on spending Rs 2 lakh or more in the previous year)

Kotak Essentia Platinum Credit Card

With Kotak Essentia Platinum Credit Card, users make the most of enthralling rewards such as users earn up to 10 reward points for every Rs 100 spent on online shopping, dining, and grocery spending. Here are some of the features and benefits of the Kotak Essentia Platinum Credit Card:

Features:

  • Welcome benefits of up to 20,000 reward points
  • Annual fee waiver on spending Rs 1.5 lakh or more in a year

Benefits:

  • 1 reward point for every Rs 250 spent on other categories
  • Complimentary air accident insurance cover of up to Rs 75 lakh

Fees:

  • Rs 1,499 joining fee
  • Rs 749 annual fee 
  • Standard Chartered DigiSmart Credit Card

This credit card is designed specifically for those who love to shop online and offers many benefits and features that will make your shopping experience even more enjoyable.

Features:

  • Welcome e-gift voucher worth Rs 1,000 from Amazon on spending Rs 5,000 within 90 days of card issuance
  • 5% cashback on all online spending such as shopping, food delivery, and more
  • 1% cashback on all other spends

Benefits:

  • Discounts and offers on partner merchants
  • Complimentary Priority Pass membership for airport lounge access
  • Fuel surcharge waiver of up to Rs 200 per month on fuel spends
  • Easy EMI facility for large purchases

Fees:

  • Rs 49 joining fee
  • Rs 49 annual fee (waived off on spending Rs 1,50,000 or more in a year

Conclusion

In conclusion, a Shopping Credit Card is a great tool for online shoppers and provides a range of benefits and rewards to help you make the most of your purchases. With the wide range of options available, choosing the card that aligns with your shopping and spending habits is important. 

Whether you prefer cashback, reward points, or discounts, there is a shopping credit card for everyone. So, don’t wait any longer, choose the best shopping credit card that suits your needs and start enjoying the benefits today!

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