Best Credit Cards For Shopping In India | Cards For Shopping & Cash Back

Best Credit Cards for Shopping in India

Most of the persons, who apply for a credit card, do not pay attention at the time of applying but later get frustrated when they know several charges and other factor etc then the obvious question arise i.e. which is the Best Credit Card For Shopping In India. if a card is wrongly chosen, can rob you of many privileges, to help you narrow your search, have a glance on Cards for Shopping & Cash Back which is mentioned in the below section.

Credit cards are the most convenient way for payments and it reduces the burden of carrying cash. Banks have come up with a striking array of credit cards; they are crafted to live up to specific lifestyle as per customer demand. Each credit card contains various types of facilities for avid shoppers, some offer air miles for travel enthusiasts etc.

 Credit Cards In India For Shopping & Cash Back

  • Yatra SBI Credit Card
  • ICICI Bank Instant Platinum Credit Card
  • Axis Bank Neo Credit Card
  • HDFC Solitaire Credit Card
  • Citibank Cash Back Credit Card SBI IRCTC Platinum Card
  • HDFC Solitaire Credit Card
  • American Express Jet Airways Platinum Credit Card

Yatra SBI Credit Card

1

Yatra SBI Credit Card is one the most vital thing which a user must have for shopping, travelling etc. it enables you to pay your utility bills on time, book your ticket to premium MasterCard lounges across airports in India fuel surcharge waiver, balance transfer facility, easy monthly installments and many more facilities.

Benefits

  • Spent on Yatra.com you will get Discount voucher worth Rs.500, on every Rs.30,000.
  • You will get 6x Points, shopping on departmental and grocery stores.
  • For each Domestic user will get Travel2 vouchers worth Rs500.
  • For International Travel customers may obtain 2 vouchers worth Rs1, 000.

Important facts:

  • Joining Fee- for time Rs.499
  • Annual Fee- Rs.499
  • Rate of interest – Up to 3.35% per month, 40.2% per annum
  • Fee for ATM cash withdrawal- Up to 80% of credit limit
  • Interest free credit period- 20 to 50 days

Check Also – 10 Tips To Pay Your Credit Card Debt Quickly

ICICI Bank Instant Platinum Credit Card

2

Looking for instant, free credit card? Then ICICI Bank Instant Platinum Credit Card is best for you it comes under the list top credit card and it offered against fixed deposits. You can acquire this card immediately if you hold a fixed deposit with ICICI Bank. You will earn many benefits or facilities offered by management panel.

Benefits

  • Card holders can take cash rewards on all your purchase with Gemstone collection.
  • Customer may acquire 2X reward points on fine dining, supermarket spends etc.
  • Travel Benefits are also available get advantage of complimentary access to select airport lounges.
  • You will get guaranteed cash back on expend for fuel.

Important facts:

  • Joining Fee- None
  • Annual Fee- None
  • Rate of interest – 2.49% per month, 29.88% per annum
  • Fee for ATM cash withdrawal- 2.5% of withdrawn amount
  • Interest free credit period- depending on your purchase

Axis Bank Neo Credit Card

h3-neo-credit-card

Axis Bank Neo Credit Card is the best credit card which is the choice of people now days. It comes with an embedded EMV chip which provides the unrivalled security to card holders. If you come in age bracket of 18 to 70 years you can apply for this credit card it doesn’t matter your residence is located in India or not.

Benefits

  • Just make your movie better by get 25% cash back on movie ticket on box office or online booking.
  • Card holders can get 10 times the standard reward points by shopping on weekends.
  • You will obtain cap on this cash back is Rs. 1,000 per annum.
  • Convert your purchase of Rs. 2,500 or above into EMIs.

Important facts:

  • Joining Fee- Rs.250; waived if Rs.2, 500 is spent in 45 days
  • Annual Fee- Rs.250
  • Rate of interest – 3.25% per month, 46.78% per annum
  • Fee for ATM cash withdrawal- 2.5% of withdrawn amount
  • Interest free credit period- Up to 50 days

HDFC Solitaire Credit Card

4

HDFC Solitaire credit card provides exclusive shopping deals. In a year, clients may acquire over 2,880 reward points through dining, shopping and grocery spends. Cardholders also earn up to Rs.4, 000 through Reward Points accrues by spending Rs.5 lakhs.

Benefits

  • Customers can enjoy shopping because stop vouchers of total worth Rs. 2,000 every year.
  • You can Save Rs. 1,500 in a year on the fuel transactions.
  • Users can take advantage with the Stop coupons of INR 1000 each annually.
  • If you lose your card you can report to bank and no extra charges will be added.

Important facts:

  • Joining Fee – Rs.1, 000
  • Annual Fee – Rs.500
  • Rate of interest – 2.95% per month, 35.4% per annum
  • Fee for ATM cash withdrawal- 2.5% of withdrawn amount
  • Interest free credit period- Up to 50 days

Read Also – Types Of Credit Cards In India

Citibank Cash Back Credit Card SBI IRCTC Platinum Card

5

Citibank Cash Back Credit Card SBI IRCTC Platinum Card is accepted worldwide at over 29 million outlets as well as 3, 25,000 Indian outlets. It offers you everyday shopping and bill payment, 5% cash back on telephone bill payments and other utility bill payments facility and many more. You will also get 0.5% cash back all other purchases.

Benefits

  • Card holders can earn 1.8% transaction fee discount when they book on www.irctc.co.in.
  • Users are advised to Use your card for withdraw cash from ATM within 30 days of issuance you will obtain Rs. 100 cash back.
  • Get 1.8% transaction fee discount booking through www.irctc.co.in.

Important facts:

  • Joining Fee- Communicated at the time of sourcing
  • Annual Fee- for first month Rs.500
  • Rate of interest – 2.5% per month, 30% per annum
  • Fee for ATM cash withdrawal- 2% of withdrawn amount
  • Interest free credit period- Depends on statement date and transaction date

HDFC Visa Signature Credit Card

6

If you love to rooming places and you are habitual to go here and there as work purpose or enjoy with family and friends this is the best option for you. Card holders can earn 2 reward points for every Rs.150 exhausted. You can apply for 3 supplementary credit cards and share the profit of HDFC Visa Signature Credit Card with your family members.

Benefits

  • Users can enjoy at the attractive interest rates on your credit card.
  • You can take avail on lounge access at premium airports in India or overseas.
  • Users can take benefit up to 3 supplementary cards.
  • For every Rs.150 spent, users acquire 2 Reward points.

Important facts:

  • Joining Fee- Communicated at the time of sourcing
  • Annual Fee- Communicated at the time of sourcing
  • Rate of interest – 2.95% per month, 35.4% per annum
  • Fee for ATM cash withdrawal-2.5% on the withdrawn amount
  • Interest free credit period- Up to 50 days

Check Also – Advantages & Disadvantages Of Using A Credit Card In India

American Express Jet Airways Platinum Credit Card

7

It is one of the most sought-after travel credit cards which are well known for its sheer convenience and benefits. The line of benefits is literally never ending. It will guarantee a hassle-free travel and stay, and awarded by 10,000 JPMiles. Cardholders will be credited with 16 JPMiles for every Rs.150 spent on JetAirways.com.

Benefits

  • Users can obtain complimentary ‘iPrefer Gold Tier membership”.
  • With the help of this membership, cardholders get complimentary stays and discounts on bookings of hotels.
  • Users also enjoy 5% discount on the flight tickets booked through the Jet Airways website.

Important facts:

  • Joining Fee- Rs.10, 000 second year onwards
  • Annual Fee- Rs.5, 000
  • Rate of interest – Communicated at the time of sourcing
  • Fee for ATM cash withdrawal- 3.5% on the withdrawn amount
  • Interest free credit period- Depends on the purchase

When a client applies for credit card, companies get very innovative benefits to customers. You can borrow the money from your bank in case of emergency and also earn numerous benefits that are save your time and money. So use your credit card after knowing its complete facts.

 

Leave a Reply

Your email address will not be published. Required fields are marked *