5 Best Credit Cards in India for Shopping

India has numerous successful banks in the country that offers loans and credit cards. These leading banks further have a wide range of choice among the credit cards they offer. You can know about all benefits of using credit cards in India for shopping at loanbaba.com. These cards not just streamline your payment experience on shopping and travels, but also bring a huge advantage to your lifestyle and health related needs.

Let us consider the benefits, features of 5 best credit cards in India for shopping, terms for use and fee of the top shopping credit cards etc:

1. SBI Simply Save Card

Benefits

  • Earn 1 reward point on every pay of Rs. 100.
  • Earn 10x rewards on transacting with dining, movies, grocery and departmental stores.
  • Redeem your rewards for any outstanding amount while payments or get it redeemed against the rewards catalogue.
  • Waive your fuel charges of 2.5% while making a transaction worth Rs. 500 to Rs. 3000.
  • Spending Rs. 2000 within 60 days of getting the card can fetch you 2000 extra bonus points.

Interest

APR charges @ 40.2% p.a.

Offers

Earn Rs. 100 on your first ATM cash withdrawal within 30 days of availing the card.

2. HDFC Bank MoneyBack Card

You can refer the benefits at Loanbaba for credit card for shopping by HDFC bank, below:

  • Activating your card at PayZapp fetches you 1000 bonus points and cash back up to Rs. 1000 on all payments made via PayZapp.
  • You can redeem your reward points where every 100 points will be equal to Rs. 30.
  • Earn 2 reward points on every Rs. 150 paid through the card at retail stores.
  • Online purchases through the card shall fetch you 4 reward points.

Interest

APR charges @ 40.8% p.a.

Offers

Enjoy exciting offers at SmartBuy using your HDFC JetPrivilage World Card.

3. HSBC Visa Platinum Card

It is one of the best credit cards for shopping in India.

Benefits

  • Earn 10% cashback on all transactions done within 30 days of issuing the card (conditions apply)
  • No joining or annual fee applied.
  • In the first 12 months, earn reward 3x on hotel, dining and telecom services.
  • Rewards get 5x if you make purchases over Rs. 4,00,000 in a year.
  • Making transactions over Rs. 50,000 in a year will fetch you movie ticket vouchers withRs. 500.

Interest

APR charges @ 40.8% p.a.

Offers

Enjoy offers and discounts on numerous online retail stores in numerous categories like groceries, gifts, entertainment, child care, etc. the retail stores include all the popular online stores like Urban Ladder, BookMyShow, Firstcry, Cleartrip, Bigbasket, etc.

How to avail credit cards?

Getting a credit card against fixed deposits is easy. All you have to do is first open a fixed deposit account with the bank. Make sure to invest at least Rs. 20,000 while applying for the card. In case you already have one, you can easily avail a credit card on the same. Once the fixed deposit account is created, you can apply and get confirmation of the credit card application.

4. Kotak Delight Platinum Credit Card

Benefits of Shopping Credit Cards

  • Retrieve 10% cash on all dining and movie related transactions.
  • Spending worth Rs. 1, 25,000 or more in a 6 month period shall fetch you 4 PVR free movie tickets.
  • Waive 1.8% surcharge with bookings made on irctc.com. 2.5% applies to all other fuel stations in the country.

Interest

APR charges @ 40.8% p.a.

Offers

Enjoy amazing offers and discounts on varied categories like dining, apparel, jewellery, furnishing, gifting, travel bookings, childcare and much more from leading stores like Forever New, Vero Moda, Luxehues, Fab Hotels, ONLY, Joyalukkas, Puma, Jack Jones, Da Milano, Urban Ladder, Apollo Pharmacy, Makemytrip, Bluestone, Yatra, Inox Theatres, Dominos' Pizza, etc.

5. American Express MakeMyTrip Card

Benefits

  • Booking done via MakeMyTrip shall fetch you a discount of 5%.
  • Earn 2 payback points on every Rs. 100 spent through the card.
  • If you spend Rs. 1.25 lakh in a year, you get a MakeMyTrip coupon worth Rs. 2000. The voucher value increases to Rs. 5000 in case you transact over Rs. 2.5 lakh or more.

Interest

APR charges @ 42% p.a.

Offers

Get a supplementary card for free.

Split your heavy payments in easy paying EMIs.

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