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Home » Top 10 Credit Card Choices for Discounts, Rewards, and Saving Money

Top 10 Credit Card Choices for Discounts, Rewards, and Saving Money

Selecting the ideal credit card for yourself may open up a world of advantages. Discounts and rewards in the digital world will amaze you when you start purchasing goods online through shopping credit cards. Holding top-rated credit cards for Amazon Credit Card Deals 2023 will enhance the shopping experience on Amazon, the largest e-commerce platform in the world.

Finding the credit card that best meets your objectives and maximizes your savings is important because there are several available that are designed for both on- and off-line purchases.

A few of the top credit card choices for Shopping

Most individuals use a handful of top-notch credit cards for purchasing items online as these cards offer discounts and security for both little and big transactions. It is recommended that you use credit cards for all purchases if you enjoy purchasing items online and want to reduce your spending on each and every purchase.

  • Axis Ace Credit Card

Among the top cashback credit cards available in the nation is the Axis Ace Credit Card.

Listed below are a few of its main points of view:

  • For using this credit card, a yearly cost of 499 is charged.
  • For the first year, if you make use of more than 10,000 in your initial 45 days after the issuance, it is reversed.
  • On payments for bills, DTH recharging, and mobile recharging made using Google Pay, an amount equal to 5% cashback is awarded.
  • On services like Swiggy, Zomato, along with Ola, 4% cashback is offered.
  • 2% cashback is offered on all other purchases.
  • 4,000+ associated restaurants offer discounts of up to 20%.
  • A year’s worth of free domestic airport lounge visits is limited to a total of 4.
  • All fueling stations reduce the 1% fuel cost for the first 500 per month.
  • Transactions for more than $2500 can be converted into EMIs.
  • The amount of cashback that may be gained with the card has no maximum limit.
  • Flipkart Axis Bank Credit Card

One of the greatest cards with co-branding to meet all of your purchasing demands on the Flipkart e-commerce website is the Flipkart Axis Bank Credit Card.

Listed below are a few of its main points of view:

  • There is a 500 rupee yearly charge for this card.
  • Upon registering, you will get perks totaling $1100 is welcome as well as activation bonuses.
  • You may get 5% cashback when you purchase on online marketplaces like Myntra or Flipkart.
  • On purchases made at other favourable retailers like Uber, PVR, Cleartrip, etc., a 4% reward is available.
  • For the rest of the categories, cashback is available at a rate of 1.5%.
  • Restaurants with partners offer discounts of up to 20%.
  • A year’s worth of free domestic airport lounge visits is limited to a total of 4.
  • Up to Rs. 400 each month, the 1% fuel cost is waived.
  • Transactions for more than Rs. 2500 may be converted into EMIs.
  • Amazon Pay ICICI Credit Cards

The ICICI Amazon Pay Credit Card is the ideal option for you if you buy almost all of your goods from Amazon. You will receive a lot of cashback from Amazon, depending on how much you purchase there.

Listed below are a few of this card’s major attractions in

  • There are neither joining nor yearly fees.
  • The awards gained have no upper or lower bounds.
  • Users of Amazon Prime may receive a payback of 5% on tangible goods bought from Amazon and 2% on computationally serviced products like e-books and gift cards in either digital or physical form.
  • Customers who aren’t Amazon Prime members can receive a payback of 3% on physical items bought at the site and 2% on electronically serviced products like e-books and gift cards in either digital or physical form.
  • By using this card through your Amazon Pay wallet, you can get 2% cash back at more than 100 Amazon Pay partner stores.
  • By paying your bills and recharging, you may receive 2% cashback.
  • On other kinds of payments, you’ll get 1% cashback.
  • For a duration of between three and six months, you are eligible for cost-free EMI.
  • Every time you refill, a 1% fuel price waiver is granted.
  • HDFC Millennia Credit Card

The HDFC Millennium Credit Card is a great option for millennials who prefer to buy online and are interested in credit cards that reward them when they make whatever they buy.

Here are a few of this credit card’s primary appealing points:

  • The yearly cost is $1000.
  • On completion of the membership fee payment, 1,000 reward points are provided.
  • For every calendar quarter in which you spend at least 1 Lakh, you can get a gift ticket for $1,000.
  • Shop at Flipkart, Swiggy, Amazon, Cult.fit, Uber, Mytra, Tata CLii, Sony LIV, and Zomato to receive 5% cashback.
  • Get 1% back in cashback on any other purchases.
  • Get eight complimentary visits to domestic lounges each year (two each quarter).
  • Up to Rs. 250 each month, a 1% fuel cost is waived.
  • SBI SimplyCLICK Credit Card

Your preferred brands for shopping seem to be SBI’s associate brands.

The SBI SimplyCLICK Credit Card’s key advantages are as follows:

  • There is a Rs. 499 yearly charge for this card.
  • Upon enrolling, you’ll receive a gift card for Amazon worth Rs. 500.
  • On purchases made online with partner companies like Apollo 24×7, BookMyShow, Cleartrip, Eazydiner, Lenskart, Netmeds, etc., 10x reward points will be awarded.
  • On all other purchases, you may earn 5 times the reward.
  • Take advantage of cash withdrawals up to 80% of your credit limit.
  • Expenses of at least 2,500 are eligible to be converted into EMIs.
  • Standard Chartered DigiSmart Credit Card

The finest discounts on several brands across many different fields, including shopping, travel, and dining, are provided with the Standard Chartered DIGISmart Credit Card.

A number of its significant attractions are listed below:

  • A monthly payment of Rs. 49 is charged.
  • When buying on Myntra, customers receive a 20% discount, which can reach the highest discount of 700 rupees, once each month.
  • Five times every month, Zomato offers a 10% discount.
  • With a monthly cashback cap of 600, Ola Cab users may get a 15% payback on their reservations.
  • On Saturdays and Sundays, you may purchase one ticket and get a second one for free at INOX.
  • Yatra offers discounts of as much as 25% on a certain category.
  • HSBC Cashback Credit Cards

With shopping done through Amazon, the HSBC Cashback Credit Card is a wonderful card to use to get limitless cashback along with rewards.

Here are a few of its main points of view:

  • The yearly fee you will be charged is 750.
  • The reward rate for all online purchases is 1.5 percent.
  • The payback rate for all other purchases is 1%.
  • Cashback is not capped at a certain amount.
  • If Instant EMI is utilized at partnered merchants’ shops or sites, cash backs may be received.
  • Between 45 days after the card statement date, the cashback gets paid.
  • The HSBC Bank is partnering with restaurant chains that provide discounts of up to 15%.

It is a high-end credit card that supports expensive expenditures. The HDFC Regalia Credit Card is intended for people with large spending budgets and comes with a number of perks, including free access to airport lounges, insurance for traveling, reward points for purchases, and savings on restaurants and retail items.

The following are a few of its outstanding features:

  • Charge per year: 2,500
  • Zomato Gold membership is a welcome offer.
  • Benefits of renewal: 2500 points each year
  • If you spent Rs. 3 lakh in the last fiscal year, there is no yearly charge.
  • 4 bonus points for every $150 spent
  • 10,000 reward points after purchases of Rs. 5 lakh
  • HDFC MoneyBack+ Credit Card

The HDFC MoneyBack+ credit card is a top pick for several first-time customers because it provides a number of great benefits. Additionally, cardholders have the option of redeeming their cashback as a savings account deposit or a statement credit.

The following are some of this card’s major points of interest:

  • 500 points as a welcome gift for individuals
  • Every Rs.150 purchased online earns you two times as many reward points.
  • Reward points can be exchanged for cash at a rate of a hundred points = Rs. 20.
  • Receive 2 Reward Points for each Rs.150 spent, with the exception of fuel purchases, wallet/prepaid card loading, and voucher purchases.
  • SBI Card Prime

SBI Card Prime is a pricey credit card, yet it has a lot of advantages. Members have access to deals and cashback in a variety of areas, including travel, shopping, fuel, cinema, and other activities.

Following are a few of its main points of view:

  • Charge per year: Rs. 2999
  • Gift vouchers from Yatra, Shoppers Stop, Hush Puppies, and Aditya Birla Fashion make up Rs. 3,000.
  • For every Rs. 100 spent on standing orders for utility bills, 20 points of reward are earned.
  • For every Rs. 100 spent on birthday festivities, you receive 20 reward points.
  • A free Vistara Club Membership is offered.

Advantages and Specific Features of Credit Cards for Shopping
You must be aware of the advantages and features before using your shopping credit card to get the optimum profit.

If you need a few of these, read here.

  1. Bonus Points
    With a shopping credit card, you may earn rewards points on purchases like food, entertainment, and clothing. Collect points that you may later use to purchase your preferred goods or services.
  2. Welcome Advantages
    After receiving a retail credit card, you might receive welcome perks in the form of vouchers for several categories, including films and travel.
  3. Waiver of Fuel Surcharge
    For a certain quantity of fuel purchased with a shopping credit card, you can benefit from the waiver of the fuel fee.
  4. Rebates
    You may be guaranteed to receive special offers or discounts specifically for you.

Criteria for Eligibility and Documentation Needed for a Shopping Credit Card

Eligibility CriteriaDocuments
Nationality – IndianAddress Proof – Aadhaar Card

Voter Card, Driving Licence, Utility Bill, Ration Card, Passport, or any other photo ID card issued by the Government.

Age – At least 21 YearsIdentity Proof – Aadhaar Card

Voter Card, Driving Licence, Utility Bill, Ration Card, Passport, or any other photo ID card issued by the Government.

Employment Status – Salaried or Self EmployedIncome Proof – Latest Form – 16, Last 3 months Salary Slip, Last 3 months Bank Statement, Passport Size Photograph
Credit Score – Should have a good credit score.

Why Use a Credit Card for Shopping

Credit cards for shopping are made to provide rewards and advantages that are especially suited to regular shoppers. These cards often offer benefits like cashback, savings, or points on shopping made at particular merchants or categories of merchants.

Additionally, certain shopping credit cards could include benefits like free delivery, warranty extension, or purchase safety. To leverage the rewards, it’s critical to select a retail credit card that suits your interests and spending style.

Application Process for Shopping Credit Cards

These procedures should be followed to apply for a shopping credit card online.

  • Go to the Refer Loan website.
  • Complete the required fields to check whether you are eligible or not.
  • Research various shopping credit cards and compare them to the advantages that are being offered.
  • Decide which purchasing credit card to use.
  • Complete the application form and send it.

Don’t miss the special offers and discounts for special celebrations

India celebrates love on the auspicious festival of Raksha Bandhan. All brothers and sisters have a special connection between them, which they honour on this day as a pure and self-sacrificing relationship. They share lovely presents like chocolaty treats, Rakhi packages, and other items to further cement their relationship. To make purchasing simple and reasonable, special discounts are offered on the whole selection of Rakhi gifts.

The online stores feature a wide variety of presents at amazing rates this time. Offerings may be found on sites like Amazon, Flipkart, Myntra, Archies, Printvenue, Bluestone, Infibeam, Snapdeal, and others. A gift to a sister from a brother may be the costliest smartphone or a makeup kit.

Similarly, a gift from a sister to her lovely brother may be a fashionable wristlet or shaving kit. Whatever may be the gifts, when a credit card is offering you a discount for this special celebration, why will you miss the chance? Hurry up, shop with your shopping credit card, and enjoy the discounts, reward points, and save money.

Conclusion – Shopping credit cards are intended to encourage users to make more regular purchases at specific brands or types of businesses, such as grocery stores, department stores, or internet merchants. These credit cards frequently provide rewards in the kind of reward cash or points that may be exchanged for gifts, travel, or other benefits. Additionally, certain cards could provide unique discounts or unique benefits, such as free delivery or more.

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