Online shopping has become an integral part of our lives, offering convenience and a wide variety of products at our fingertips. With the rise of e-commerce, credit cards tailored for online shopping have gained immense popularity. These credit cards come with exciting rewards, cashback, and discounts, making them ideal for avid online shoppers. In this guide, we will explore the best online shopping credit cards of 2024 in India, their features, and methods of credit card apply online.
1. Airtel Axis Bank Credit Card
The Airtel Axis Bank Credit Card stands out as one of the best options for online shopping in 2024. This card is designed to offer maximum benefits to users who frequently shop online.
Features:
- Large Credit Limit: Enjoy a generous credit limit of up to ₹9,00,000.
- Cashback Offers: Earn cashback up to ₹16,000 annually on your online purchases.
- Digital Process: The application process is 100% digital, ensuring quick and hassle-free approval.
- Exclusive Discounts: Get amazing discounts on various online platforms, including Airtel services and partner merchants.
- Reward Points: Earn reward points on every transaction, which can be redeemed for exciting offers.
To apply for the Airtel Axis Bank Credit Card online, visit the Airtel Thanks app or the Axis Bank website. The application process is straightforward and entirely digital.
2. HDFC Millennia Credit Card
The HDFC Millennia Credit Card is another excellent choice for online shoppers. It offers a variety of benefits specifically tailored to enhance your online shopping experience.
Features:
- Welcome Benefits: Enjoy welcome vouchers and more.
- Cashback on Online Shopping: Get cashback on online purchases made on Amazon, Flipkart, and other leading e-commerce websites.
- Milestone Benefits: Earn additional cashback on achieving spending milestones.
- EMI Options: Convert large purchases into easy EMIs at attractive interest rates.
Applying for the HDFC Millennia Credit Card online is simple. Visit the HDFC Bank website, fill out the application form, and submit the required documents. The bank offers a swift online approval process.
3. ICICI Amazon Pay Credit Card
For frequent Amazon shoppers, the ICICI Amazon Pay Credit Card is an excellent option. It is designed to maximise benefits on Amazon India.
Features:
- Amazon Prime Membership: Get cashback on Amazon purchases for Prime members.
- No Annual Fee: Enjoy zero annual fees and renewal fees.
- Reward Points: Earn reward points on every purchase, which can be used for future Amazon purchases.
- Fuel Surcharge Waiver: Get a waiver on fuel surcharge.
To apply for the ICICI Amazon Pay Credit Card online, visit the ICICI Bank website or the Amazon India website. The application process is quick, and you can receive your card in a few days.
4. SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is a great choice for those who shop online across various platforms. It offers substantial rewards and discounts on online transactions.
Features:
- Welcome e-Gift Voucher: Get an Amazon e-Gift Voucher worth ₹500 on joining.
- Reward Points: Earn 10x reward points on online spending at partner websites like Amazon, BookMyShow, and Cleartrip.
- Annual Fee Waiver: Get an annual fee waiver on spending ₹1 lakh annually.
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions.
You can apply for the SBI SimplyCLICK Credit Card online by visiting the SBI Card website. The application process is user-friendly, and you can track your application status online.
5. Axis Bank Flipkart Credit Card
The Axis Bank Flipkart Credit Card is perfect for those who frequently shop on Flipkart and its partner platforms.
Features:
- Welcome Benefits: Receive Flipkart vouchers worth ₹1,000 on card activation.
- Cashback: Earn 5% cashback on Flipkart, Myntra, and 2GUD purchases.
- Dining Benefits: Get up to 20% off at partner restaurants.
- Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharges.
To apply for the Axis Bank Flipkart Credit Card online, visit the Axis Bank website. The process is entirely digital, ensuring quick approval and card delivery.
General Eligibility for Applying for a Credit Card
Before applying for any credit card, it is essential to understand the general eligibility criteria:
- Age: Applicants must be between 18 and 70 years old.
- Income: A stable source of income is required. The minimum income criteria vary from one card to another.
- Employment: Both salaried and self-employed individuals can apply, provided they meet the income requirements.
- Credit Score: A good credit score (typically 750 and above) is crucial for approval.
- Residency: Applicants must be residents of India and should provide proof of residence.
Specific Eligibility Criteria for Airtel Axis Bank Credit Card
For those interested in the Airtel Axis Bank Credit Card, here are the specific eligibility criteria:
- Age: Applicants must be between 18 and 70 years old.
- Income: A minimum annual income of ₹3 lakhs is required.
- Employment: Both salaried and self-employed individuals are eligible. Salaried applicants need to provide recent payslips, while self-employed individuals must submit income tax returns and business proof.
- Credit Score: A good credit score, preferably 750 or above, is essential.
- Residency: Applicants must be residents of India and should provide proof of residence, such as utility bills or rental agreements.
Conclusion
Choosing the right credit card for online shopping can significantly enhance your shopping experience with exciting rewards, cashback, and discounts. The Airtel Axis Bank Credit Card, HDFC Millennia Credit Card, ICICI Amazon Pay Credit Card, SBI SimplyCLICK Credit Card, and Axis Bank Flipkart Credit Card are some of the best options available in 2024. Each card offers unique benefits tailored to different online shopping needs.
When you decide to apply for credit card online, ensure you meet the eligibility criteria and have all necessary documents ready. By selecting the right credit card and using it wisely, you can enjoy substantial savings and a seamless online shopping experience.
