A credit card, when used wisely, can be the key to upgrading your lifestyle. In fact, most credit card issuers offer cards that cater to specific needs and expenses. For example, if you are a frequent shopper, you can choose a credit card that adds value with exclusive discounts and more.
Moreover, you can apply online for a credit card and enjoy the host of benefits that come with it. However, as mentioned, there are many credit card issuers that offer multiple options for different needs.
As such, comparing and choosing the correct option is crucial but can be daunting.
Some of the Top Credit Cards for Shopping
To make things easier, listed below are some of the best shopping credit cards available.
Amazon Pay ICICI Bank Credit Card
If you shop frequently on Amazon, then the Amazon Pay ICICI Bank Credit Card is a good choice, as it offers the following benefits:
- Enjoy zero joining fee
- Save 15% on dining in more than 2,500 restaurants across India
- Get 5% cashback on your spends on Amazon if you are a Prime member, 3% if you are not a Prime member
- Earn 2% cashback on using the card on Amazon Pay
- Earn 1% cashback on other expenses, such as insurance, travel, and more
Axis Bank ACE Credit Card
With the Axis Bank ACE Credit Card, you can earn rewards, cashback and discounts on all your transactions. Here is a glimpse into the benefits:
- Joining fee of ₹499, waived off if you spend more than ₹10,000 within 45 days of card issuance
- Annual charge of ₹499, waived off if annual spends are more than ₹2 Lakhs
- Earn up to 5% cashback on every spend
- Convert your payments into EMIs on a minimum transaction value of ₹2,500
Axis Bank Neo Credit Card
Axis Bank Neo Credit Card is made for the digital shopper, as it offers great benefits for online shopping.
Here are some of the benefits that you get with the card:
- Enjoy the lifetime-free benefit
- 100% cashback, up to ₹300, on the first utility bill payment within 30 days of card issuance
- Get a 40% discount or free delivery on Zomato
- Enjoy 5% off on utility bill payments made through Amazon Pay
- Enjoy 10% off on purchases made on Blinkit, Myntra, and BookMyShow
- Get a discount of up to 15% at partner restaurants across India
- Use the EMI option for transactions over ₹2,500
Axis Bank Buzz Credit Card
With a joining fee and an annual fee of ₹750, Axis Bank Buzz Credit Card offers the following benefits:
- Joining fees of ₹750 for the first year with ₹750 annual fee thereafter
- Enjoy a welcome benefit through Flipkart Gift Voucher worth ₹1000
- Get 10% discount on Flipkart spends between 1st and 5th of every month, 5% on spends between 6th and 31st of every month
- Enjoy a Flipkart Gift Voucher of ₹7000 on meeting annual milestones
CASHBACK SBI Card
Whether you shop in India or internationally, you can enjoy excellent cashback offers with CASHBACK SBI Card.
- Enjoy a reversal on renewal fee on annual spends of ₹2 Lakhs
- Get 5% cashback on payments at online merchant websites and 1% on offline merchant payments
- Get 1% fuel surcharge waiver on all petrol pumps across India
HSBC Cashback Credit Card
With features like contactless payment, monthly exclusive offers, and cash advances, the HSBC Cashback Credit Card allows you a better shopping experience. Here are some of its benefits:
- Get a renewal fee reversal if annual spending exceeds ₹2 Lakhs
- Enjoy 10% cashback on all spends for dining, food delivery, and grocery
- Enjoy a 5% discount on Amazon spends of over ₹1,000
- Get a flat 10% discount on Blinkit
- Enjoy an instant discount of 30% on EazyDiner
SBI Card PRIME
If you want a luxury credit card with many exciting offers and rewards programs, then the SBI Card PRIME is an ideal choice. Here are some of its top benefits:
- With a renewal fee of ₹2,999 per annum, enjoy exclusive benefits
- Get a welcome gift voucher of ₹3,000 for any of the top brands (Pantaloons, Bata, etc.)
- Enjoy more on your birthday with 20 reward points for every ₹100 spent
- Get 10 reward points on every ₹100 spent on groceries, dining, and more
- Enjoy luxury privileges with Trident Privilege and Club Vistara membership
- Enjoy milestone benefits of up to ₹7,000
Standard Chartered DigiSmart Credit Card
With great offers on online purchases, this card makes grocery shopping, travel bookings, and other expenses easier and pocket-friendly. Here are some top benefits:
- A nominal membership charge of ₹49 per month
- Get a 20% discount on shopping at Myntra Fashion (no minimum amount)
- Enjoy 10% off on Grofers and Zomato with no minimum spends
- Get exclusive discounts on flight, hotel, cab, and movie ticket bookings
Eligibility and Credit Card Documents to Apply
For any credit card, documents and eligibility requirements are crucial aspects that you should look at before applying. These requirements depend on the card issuer and the card you choose. Nevertheless, there are some general requirements you need to meet to apply online for a credit card.
Eligibility Criteria:
- You must be an Indian resident
- You must be between the ages of 21 and 70 years
- You must be salaried or self-employed
- You must have a good credit score
If you fit the above eligibility criteria, you can apply with the following credit card documents.
Proof of Identity:
- Aadhaar card
- PAN card
- Driving licence
- Voter ID
- Passport
- Ration card
Proof of Address:
- Aadhaar card
- Driving licence
- Voter ID
- Passport
- Utility bills
- Rent agreement
Proof of Income:
For salaried applicants:
- Salary slips (for the previous 3 months)
- Form 16
- Bank statements (for the previous 6 months)
- Income Tax Returns
For Self-employed applicants:
- Income Tax Return
- Bank statements for the previous 6 months
- Certified financial documents
- Proof of business continuity
Remember, the credit card documents and eligibility criteria will vary depending on the card and the issuer you choose. As such, check on the issuer’s website before you apply for a credit card.
How to Apply Online for a Credit Card?
Here are the general steps you can follow to apply online for a credit card:
- Step 1: Visit the credit card issuer’s website
- Step 2: Select the credit card you want to apply for
- Step 3: You may find an ‘Apply Now’ button, click on the same
- Step 4: Fill up the form with the required information
- Step 5: Submit your application and wait for approval
With this information, you can select and apply online for a credit card that fits your financial requirements. To get the card that gives you the maximum shopping benefits, check and compare the features and benefits offered by the credit card issuers.
