Best for Shopping

Introduction: Best Credit Cards for Online Shopping in India In today’s shopping landscape, choosing the best credit cards for Online Shopping in India can significantly enhance your purchasing power and overall experience. Co-branded credit cards offer unique perks and rewards tailored to specific retailers or brands. Whether you’re a frequent shopper at your favorite stores or just looking to maximize your spending, this guide will help you identify the best credit cards for shopping online in India. Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make the best decision.  Table of Content: Introduction What are Co-branded Credit Cards? Top 4 Co-branded Credit Cards for Shopping HDFC Tata Neu Infinity Credit Card Myntra Kotak Credit Card Flipkart Axis Bank Credit Card Amazon Pay ICICI Credit Card Benefits of Using Co-branded Credit Cards Conclusion FAQs What are Co-branded Credit Cards? Co-branded credit cards are financial products offered by banks in partnership with specific retailers or brands. These cards typically provide rewards or discounts when used at the partnered store, making them a great choice for loyal customers. They often come with additional benefits such as exclusive promotions, bonus points, or cashback. Credit Cult Recommendation: 4 Best Credit Cards for Shopping Online in India In this blog, we review four standout credit cards for utility bill payments: HDFC Tata Neu Infinity Credit Card, Myntra Kotak Credit Card, Flipkart Axis Credit Card and Amazon Pay ICICI Credit Card. Based on our analysis of cashback percentages, its cost and overall benefits, here’s our detailed recommendation: #1. HDFC Tata Neu Infinity Credit Card Apply Now Joining & Annual Fees: Rs 1499 or Lifetime Free 10% back as NeuCoins on Shopping on Various Brands on Tata Neu (Including Neupass valueback) Upto 20% instant discount on spends during TATA PayDay Sale (including NeuPass offer) 1.5% NeuCoins on Other Spends and UPI spends through RuPay credit card through TATA Neu App Welcome Benefit: 1499 Neucoins on payment of Joining Fees Know More Minimum 5% back as NeuCoins on shopping on Tata Neu or TATA Brands 1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends 1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant Additional 5% back as NeuCoins for NeuPass Members on transactions done on Tata Neu App/Website Complimentary Airport Lounge Access (1/Quarter for International and 2/Quarter for Domestic Airport Lounges) #2. Myntra Kotak Credit Card Apply Now Joining and Annual Fees: Rs 500 7.5% off up to Rs. 750 per transaction on Myntra 5% cashback up to Rs. 1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company Unlimited 1.25% cashback on other spends, except rent, wallet & fuel spends Welcome Benefit: Rs. 500 Myntra voucher on the 1st transaction of min. Rs. 500 Know More 4 complimentary domestic lounge access per year (1 per quarter) Movie benefits (on meeting the spend-based condition) Complimentary Myntra Insider membership #3. Flipkart Axis Bank Credit Card Apply Now Joining and Annual Fees: Rs 500 5% cashback on Flipkart Shopping and Cleartrip transactions 4% cashback on preferred merchants – PVR, Swiggy, Uber and cult.fit 1% cashback across all other spends Joining benefit worth Rs. 600 from Flipkart and Swiggy Know More 4 complimentary domestic lounge visits in a year Unlimited cashback without any capping #4. Amazon Pay ICICI Credit Card Apply Now Joining and Annual Fees: Nil 5% cashback on Amazon Shopping spends for Amazon Prime Members 3% cashback on Amazon Shopping for non-prime members 2% cashback on partner spends 1% cashback on other spends Joining Benefit: Amazon Prime for 3 months Know More No complimentary domestic lounge access Special Signup offers worth more than Rs 1500 (Amazon Shopping and Bill Payments) No limits on earning rewards Benefits of Using Co-branded Credit Cards Tailored Rewards: Earn points or cashback specifically for the retailer you shop at most. Exclusive Discounts: Access to special promotions and sales. Membership Benefits: Enjoy perks like free shipping, early access to sales, or loyalty points. Flexible Redemption Options: Use points for future purchases or travel rewards. Credit Cult Conclusion When it comes to maximizing your shopping rewards, co-branded credit cards can offer significant benefits tailored to your spending habits. And above we ranked on the basis of Reward-Cost Ratio: Tata Neu Card: Even with High Annual Charges HDFC Tata Neu Credit Card stands out for its extensive rewards (up to 10%) across multiple Tata brands on Tata Neu App, making it ideal for those who frequently shop at Tata retail outlets and use Tata services. Myntra Kotak Card: Perfect for fashion enthusiasts, this card offers excellent cashback and discounts (up to 7.5%) specifically for Myntra purchases, ensuring you save while you shop for the latest trends. Flipkart Axis Card: A strong contender for online shoppers, especially Flipkart Shoppers, this credit card provides great cashbacks on Flipkart purchases and on other online transactions. Amazon Pay ICICI Card: Best Credit Card for Amazon Prime Members as it offers up to 5% cashback on Amazon purchases along with benefits for everyday spending, making it a reliable option for many. Each of these cards has unique features and rewards that cater to different shopping preferences. By considering your shopping habits and choosing the card that aligns best with your lifestyle, you can maximize your savings and enhance your shopping experience. Happy shopping! FAQ: Best Credit Cards for Shopping 1. Are co-branded credit cards worth it? Answer: Yes, if you frequently shop at a specific retailer, the rewards and benefits can provide significant savings. 2. Do co-branded credit cards have annual fees? Answer: Some do, while others have no annual fees. It’s essential to weigh the benefits against the cost. 3. Can I use co-branded credit cards anywhere? Answer: Most co-branded cards can be used anywhere that accepts their payment network (like Visa, RuPay or Mastercard), but they often offer enhanced rewards for purchases made at the partnered retailer. Hey Readers, We hope