Online shopping has become a way of life for many people in today’s digital age. You can buy practically everything with a few clicks, from food to gadgets, apparel to cosmetics.
Every card provider aspires to make its card the best credit card for online shopping. But are all of them equally good?
The following sections clarify all your doubts about the best shopping-focused credit cards and elaborate on the best credit card shopping offers.
Comparison of Credit Cards for Online Shopping
Credit cards can be your best friend when it comes to online shopping because they provide rewards, savings, and other benefits that can improve your shopping experience.
OneCard is the best credit card for online shopping among the several credit card options offered in India. OneCard presents a tempting option for frequent online shoppers who want to maximize their credit card benefits with its cutting-edge features, customized recommendations, simplified payments, and transparent pricing.
Here’s a comparison of OneCard with other popular credit cards for online shopping in India.
OneCard
OneCard excels in offering best-in-class rewards for online shopping with its high cashback rate of up to 5%. Additionally, its AI-powered recommendation engine provides personalized offers and deals based on spending patterns, ensuring cardholders get the most relevant and attractive shopping offers.
HDFC Bank Diners Club Black Credit Card
This premium credit card offers excellent rewards on online shopping, including 5% cashback on Amazon and Flipkart and accelerated reward points on other online transactions. It also provides exclusive lounge access, airport transfers, and golf benefits. However, it comes with a high annual fee and eligibility criteria.
ICICI Bank Amazon Pay Credit Card
Co-branded with Amazon, this credit card offers attractive rewards on Amazon purchases and provides cashback on other online spending. It also offers fuel surcharge waivers and dining benefits. The rewards are limited to Amazon purchases, and there is no physical card, making it less versatile for offline spending.
Axis Bank Neo Credit Card
This credit card is targeted towards millennials and offers rewards on online spending, including discounts on food delivery, online shopping, and movie tickets. It also provides fuel surcharge waivers and offers on e-commerce platforms. The rewards and benefits are limited compared to other premium credit cards.
SBI SimplyCLICK Credit Card
This credit card is designed for online shopping enthusiasts and offers rewards on e-commerce purchases, including accelerated reward points on partner websites such as Amazon, Flipkart, and Cleartrip. It also provides fuel surcharge waivers and dining benefits. The rewards are limited to select online merchants, and there are annual fee charges.
Comparing these credit cards, OneCard stands out for its top-notch online shopping bonuses, individual product offers, optimized payments with virtual cards, and clear prices with no extra charges. It provides flexible, actionable answers for frequent online shoppers who want to maximize their benefits and savings.
Exploring the Benefits
Apart from rewards, credit card companies also offer various shopping offers and discounts for cardholders, making online shopping even more attractive. These shopping offers can include cashback, discounts, EMI options, and more.
Let’s explore the different types of shopping offers provided by credit cards.
Cashback: Many credit cards provide cashback on online purchases, with a portion of the purchase value refunded to the cardholder’s account. Depending on the credit card’s payback rate, this gives immediate savings and can build up to large savings over time.
Discounts: Credit cards often provide exclusive discounts on online purchases, such as discounts on specific e-commerce platforms, categories, or products. These discounts can help cardholders save on purchases and get better deals than regular prices.
EMI Options: Some credit cards provide easy EMI (Equated Monthly Instalments) alternatives for online purchases, enabling cardholders to break up large purchases into more manageable monthly payments. This can help monitor spending and create budgets, particularly for large expenditures.
Reward Points: Some credit cards also award points for online purchases. Cardholders earn points for each transaction, which can be redeemed for various incentives such as gift cards, merchandise, and holiday packages. Cardholders can greatly benefit from these credit card shopping offers, especially if they make frequent online purchases.
Conclusion
OneCard stands out as a comprehensive and convenient solution for avid online shoppers in India when it comes to the best credit card for online shopping.
With its seamless credit card and mobile app integration, OneCard offers a powerful and rewarding shopping companion that can enhance the online shopping experience and help cardholders save more while they shop.
Also check – Is Your Credit Card Application Being Denied? Here’s a Solution
