Best Credit Cards for Online Shopping in India

Posted on Thursday, August 8th, 2024 | By IndusInd Bank

If online shopping is your thing, a regular credit card just won’t cut it. From cashback and reward points to exclusive deals and EMIs—using the right credit card can turn everyday purchases into smart savings. If you’re looking to get more value out of every click, this guide breaks down the benefits of shopping credit cards and spotlights the best ones from IndusInd Bank.

Let’s look at the benefits of using a credit card for shopping and review some suitable credit card options from IndusInd Bank. 

What is a Shopping Credit Card?

A shopping credit card is specifically designed to offer benefits on retail and e-commerce purchases. These cards often come with features like cashback, reward points, EMI conversion options, and exclusive discounts on partner platforms. Whether you’re a regular shopper on Amazon, Flipkart, Myntra or Nykaa, these cards are structured to make each purchase more rewarding.

Benefits of Using Credit Cards for Online Shopping

Using a credit card for online purchases goes beyond convenience. Here are some compelling reasons why it’s a smart move:

1. Rewards and Cashback

Most shopping credit cards offer reward points or direct cashback on every transaction. These points can be redeemed for gift vouchers, products, or even used to offset your card bill. Some cards offer accelerated points when you shop on specific e-commerce platforms.

2. Enhanced Security

Online transactions can make you wary, but credit cards often come with multiple security layers like OTP authentication, fraud protection, and zero-liability policies on unauthorized use, giving you peace of mind.

3. Convenience and Flexibility

Credit cards simplify the payment process. You don’t need to keep money in your wallet or bank account for instant debits. You can buy now and pay later—either in full or in parts through EMIs.

4. Exclusive Offers and Discounts

Card issuers often tie up with top shopping platforms to offer exclusive deals. Think instant discounts, early access to sales, or additional loyalty rewards—all just for using the right card.

5. EMI Options

Big-ticket items don’t have to strain your monthly budget. Many shopping credit cards allow you to convert purchases into easy EMIs, often with minimal or zero interest.

IndusInd Bank Credit Cards for Online Shopping

IndusInd Bank offers a variety of credit cards that cater to diverse needs and preferences. When looking for the best credit card for online shopping, consider the following standout options:

1. IndusInd Bank Legend Credit Card

With the Legend Credit Card from IndusInd Bank, you can enjoy up to 1 reward point (during weekdays) and 2 reward points (during weekends) for every ₹100 you spend. You can also claim up to 4000 reward points if you spend more than ₹6,00,000 in a year. Also, you can enjoy complimentary lounge access and luxury hotel stays, insurance coverage, discounts on various brands, and more with the IndusInd Bank Legend Credit Card. 

2. IndusInd Bank Platinum Aura Edge Visa/MasterCard Credit Card

If you like splurging on travel and want to enjoy rewards for the same, look no further than the IndusInd Bank Platinum Aura Edge Visa Credit Card. It offers you the flexibility to choose from four reward plans. So, you can earn upto 8X rewards on the categories and merchants you spend the most on. You also benefit from travel insurance coverage, fuel surcharge waiver, welcome benefits, and more. 

3. IndusInd Bank Next Credit Card

The IndusInd Bank Nexxt Credit Card is India’s first interactive credit card and comes with innovative payment options. You can choose to make your large purchases with EMI during check-out. Also, enjoy complimentary movie tickets, fuel surcharge waiver, contactless features, and more with the IndusInd Bank Nexxt Credit Card.

4. IndusInd Bank Pinnacle Credit Card

Make the most of your e-commerce transactions with the IndusInd Bank Pinnacle Credit Card by IndusInd Bank. Claim up to 2.5 reward points for every ₹100 you spend on e-commerce websites, and up to 1.5 reward points for e-commerce travel and airline transactions. In addition, enjoy complimentary golf games and lessons, concierge services, Priority Pass benefits, and more. 

Also Read: Mastering Online Shopping- A Guide to Using Credit Cards Wisely

Conclusion

If online shopping is a regular part of your routine, choosing the right credit card can enhance every transaction. From earning rewards and saving through discounts to enjoying secure, flexible payments—shopping credit cards offer all that and more. IndusInd Bank’s diverse lineup ensures there’s a credit card to suit every shopper’s needs. Whether you opt for the Legend Credit Card, Nexxt Credit Card, Platinum Aura Edge Credit Card, or Pinnacle Credit Card, they all offer a host of benefits, from high reward points and flexible payment options to complimentary experiences and lifestyle upgrades.

Shop online to your heart’s content with IndusInd Bank Credit Cards. Apply now!