{"id":11320,"date":"2017-03-11T23:36:14","date_gmt":"2017-03-11T23:36:14","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=11320"},"modified":"2024-11-17T07:00:57","modified_gmt":"2024-11-17T07:00:57","slug":"shopping-credit-cards","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/shopping-credit-cards\/","title":{"rendered":"10 Best Shopping Credit Cards in India"},"content":{"rendered":"<p>Shopping is the national sport of India. Just kidding. It is no secret that shopping gets even better with shopping credit cards. With more and more <a href=\"https:\/\/manikarthik.com\/blog\/credit-cards-for-nris\/\"  data-wpil-monitor-id=\"244\">credit cards<\/a> offering rewards and offers these days, today&#8217;s consumer is more on the benefits side.\u00a0Credit card facilitate easy payment of the bills and make cashless shopping possible. But even for meeting shopping need you need to find the best card that suits your requirement. You cannot expect all the cards to give you the same benefit. Each has been designed to give you the best deal. So it\u2019s better to compare and choose the one that suits you.<\/p>\n<h2><span style=\"font-weight: 400;\">Things to ask\u00a0before\u00a0choosing a shopping credit card<\/span><\/h2>\n<ul>\n<li><span style=\"font-weight: 400;\">What is the annual charge or the APR?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">What are the rewards, vouchers that you get along with this card?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Does the card have any tie up with any merchandise?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Are there any penalty charges for non-payment?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Any other additional charges?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Validity of your reward points accumulated.<\/span><\/li>\n<\/ul>\n<h3>1. Citibank First Citizen Titanium Credit Card<\/h3>\n<p><span style=\"font-weight: 400;\">First Citizen Titanium Credit Card is the best for your shopping needs and has been designed exclusively keeping this in mind. People who love shopping can benefit from this and enjoy unlimited savings on this too. The card gives you exceptional membership privileges, welcome offers, easy redemption options, exciting rewards and exclusive in-store deals.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Applicants must be 18-60 years of age.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Income proof, ID proof and address proof.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">2 vouchers from Shoppers stop worth Rs 250 redeemable from Shoppers Stop within 1 month of issuing the card.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Points that are earned on your First Citizen Citibank Card are usually transferred to Shoppers Stop on a monthly basis.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Home Stop vouchers redeemable at shoppers stop outlets.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Customers can enjoy special deals on beauty and wellness packages at spas, salons and fitness centers across the country.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Get 20% off on your dining from the set of selected restaurants.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">7 points for every Rs 100 spent at Shoppers Stop.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">1 citizen point for every Rs 100 spent.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You can redeem the points as 1 Reward Point = Rs.0.6 for redemption.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If your annual spend is more than Rs 30000 your fees will be waived off.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards\u00a0<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7 points for every Rs 100 spent at Shoppers Stop.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 citizen point for every Rs 100 spent.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">39% per annum,<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 500(waived off if the annual spend exceed Rs 30000).<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.5% (Min. Rs 250) of the Cash Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 50 days<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawbacks<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The APR is slightly high at 39%.The Standard Chartered Landmarks Reward Platinum Card charges only 37.2%<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">First Citizen Titanium Credit Card is apt for shopping needs and comes with numerous vouchers. You earn 7 points on every Rs 100 spent on shoppers stop. Apart from this you can also make 1 point for every Rs 100 spent elsewhere. The joining fee and the annual fee is Rs 500.The annual fee will be waived off once the annual spend exceeds Rs 30000.<\/span><\/p>\n<h3>2. Standard Chartered Landmarks Reward Platinum Credit Card<\/h3>\n<p><span style=\"font-weight: 400;\">Standard Chartered has numerous branches all across the globe and has been in operation since 1969.Apart from credit cards the bank has numerous investment option for its customer. Landmarks \u00a0Reward Credit Card is perfect for shopping as it has tie up with Max, Lifestyle and Home Centre some of the most popular brands across India.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The applicant\u2019s income is looked into by the bank and is sanctioned by the bank.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">It is important that the person has a good credit history.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The Platinum Rewards Card gives 9X Reward Points at stores affiliated to Landmark, such as Home Centre, Max and Lifestyle.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For other purchases the cardholder gets 2x reward points.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The customers get an additional cashback of 5% on at Home Centre and Lifestyle. You get a cashback of Rs 150 and a maximum of Rs 500 per month.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Earn rewards and get a cashback voucher worth Rs 2700.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You also have access to the best lounges across the country.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9X Reward Points at Home Centre, Max and Lifestyle.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs.500 as cashback every month and Rs.150 for each transaction<\/span><\/td>\n<td><span style=\"font-weight: 400;\">37.20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 399<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Nil<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A minimum of Rs. 500 or 2.5% of the over limit amount<\/span><\/td>\n<td><b>18-48 days.<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawbacks<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The cashback is only Rs 500 with a maximum of Rs 150 per transaction which is quite low<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The card gives you 9x reward points which is quite a good deal for shoppers. The joining fee is Rs 399 that is quite affordable and does not put much burden on the user. You have access to numerus vouchers and for a regular shopper this is quite useful.<\/span><\/p>\n<h3>3. FBB SBI Style up Credit Card<\/h3>\n<p><span style=\"font-weight: 400;\"><a class=\"wpil_keyword_link\" href=\"https:\/\/sbi.co.in\/web\/nri\" title=\"SBI\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"182\" target=\"_blank\" rel=\"noopener\">SBI<\/a> has tie up with FBB and is offering some of the best privileges with its shopping benefits. Fashion Bazaar which is Big Bazaar\u2019s ultimate fashion store has best deals and discounts that any customer needs. Apart from apparels you also have footwear and accessories from FBB which can be also be availed using this card.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Income proof, ID proof and address proof.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Age above 21 and less than 60.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Welcome gift of Rs 500 from FBB.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">On renewal you get 2000 bonus points.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You can get up to 10% off on FBB merchandise.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Avail 10x rewards on your dining spends.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">With the Easy Bill Payment facility make your bills on time without any difficulty.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You have option to withdraw cash from over 1 million Visa ATMs worldwide.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Welcome gift of Rs 500 from FBB.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You can get up to 10% off on FBB merchandise<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40.20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 499<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 499<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.5% of the amount over limit subject to a minimum of Rs. 500.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20-40 days.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawbacks<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The card has a high APR of 40.2%.The Standard Chartered Landmarks Card gives you 37.20% which is more reasonable.<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">FBB Style up credit card is actually targeted for the shoppers of Fashion Bazaar. You can avail Rs 500 as your welcome gift after applying for this card. Apart from apparels they also have discounts on other merchandise and accessories available at FBB. You can also get good discounts on dining too using this card. The annual charge is also not so high making it easy for customers to pay off the bill on time.<\/span><\/p>\n<h3>4. ICICI Platinum Credit Card<\/h3>\n<p><span style=\"font-weight: 400;\">For shopping and better spending experience <a class=\"wpil_keyword_link\" href=\"https:\/\/www.icicibank.com\/nri-banking\" title=\"ICICI\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"69\" target=\"_blank\" rel=\"noopener\">ICICI<\/a> has introduced the ICICI Platinum Credit Card. For those who want a card to earn rewards this one is apt and gives you opportunity to make as much as possible. This card comes with a number of lifestyle and shopping rewards which cannot missed out.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The applicant must be 23 years old and with a good credit history.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">They must be Indian or a non-resident Indian.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">For every Rs 100 spent you earn 2 payback points.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">They also have tie ups with luxury hotels, discounts at lifestyle stores and spas<\/span><\/li>\n<li><span style=\"font-weight: 400;\">2.5% fuel surcharge waiver is provided for all fuel transactions not exceeding Rs.4000 at HPCL pumps.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Get 15% off on culinary program with selected restaurants.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">On spending Rs 50000 and above get your annual fee waived off.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 Payback points for Rs 100.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Get 15% off on culinary program with selected restaurants<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40.80% per annum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 199<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 99<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 100.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 48 days<\/span><b>.<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawbacks<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The APR is very high at 40.8%. First Citizen Titanium Credit Card charges only 39% per annum.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You get only 2 points for every Rs 100 in India , First Citizen Titanium Credit Card gives 7 points for every Rs 100 spent.<\/span><\/li>\n<\/ul>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">ICICI Platinum Credit Card has some good deals on shopping. You can get about 2 points for every Rs 100 spent but if all expenses are met using this card you can collect a good amount. The joining fee and the annual charges are also a little low so making it affordable to all. Apart from shopping you also have tie ups with luxury hotels, discounts at lifestyle stores and spas too.<\/span><\/p>\n<h3>5. Citibank Rewards Cards<\/h3>\n<p><span style=\"font-weight: 400;\">Citibank comes with a card which is exclusively for your shopping requirements. It also gives you good rewards on departmental purchases, dining, and travel needs too. Earn points as you meet your expenses and get rewarded on spending within 30 days of receipt of the card. The card has tie-ups with numerous retail chains and the bill can be settled in simple monthly installment options.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">You should be 18 years and above to be eligible for this card<\/span><\/li>\n<li><span style=\"font-weight: 400;\">They should give income, address and identity proof for availing this card.<\/span><\/li>\n<\/ul>\n<p><b>Rewards<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">As a joining gift you get 1000 points on spending Rs 1000and 1500 points on purchases made within 30 days of receipt of the card.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For purchases of Rs 125 at Apparel as well department stores earn about 10 reward points. You can make 1 rewards point for every 125 spent anywhere.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For quarterly purchases of Rs 1 lakh and above you gain about 1000 points and if you opt for e-mail statements gain another 300 points.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">By purchasing any other card of Citibank you gain 500 points and for every renewal you gain 1000 points.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You can also avail 20% discount on dining bills at over 2000 dining outlets.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Get access to concierge services that help to plan parties &amp; family function, send flowers, reserve tables at restaurants and many more.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You can redeem your points online or at over 600 stores at your convenience.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10 Payback points for Rs 125 spent at Apparel.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Get 20% discount on dining bills at selected restaurants<\/span><\/td>\n<td><span style=\"font-weight: 400;\">39.00 % per annum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 1000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 1000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Depending on the credit limit.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17-23 days.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawbacks<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The joining fee and annual charge is slightly high at Rs 1000.The First Citizen Titanium Credit Card charges only Rs 500.<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The Citibank reward card is apt for making your purchases and making points out it. You can redeem your points and make additional purchases with your points too. The annual charges are very nominal and rewards are pretty good too<\/span><\/p>\n<h3>6. Axis Bank Buzz Credit Card<\/h3>\n<p><span style=\"font-weight: 400;\"><a class=\"wpil_keyword_link\" href=\"https:\/\/www.axisbank.com\/nri\" title=\"Axis Bank\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"107\" target=\"_blank\" rel=\"noopener\">Axis Bank<\/a> Buzz Credit Card has some exclusive offers and more or less focuses on online shopping. You receive many vouchers and lifestyle benefits from this card. You have an option to earn reward points as you spend on your day to day expenses.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Applicants must be 18-60 years of age.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Income proof, ID proof and address proof.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Get a welcome gift of Rs 1000 on making 3 purchases within 45 days.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Avail 5% off at Flipkart (Max. monthly benefits up to Rs.200.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For every Rs 200 spent online receive 6 eDGE Loyalty Reward Points.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For every Rs 200 spent receive 2 edge royalty reward points.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Get 15% off on dining at restaurants.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Get a \u00a0a welcome gift of Rs 1000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">For every Rs 200 spent online receive 6 eDGE points<\/span><\/td>\n<td><span style=\"font-weight: 400;\">46.78% per annum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 750<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 750<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.5% (Min. Rs 250) of the Cash Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20-50 days.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawbacks<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The APR is high at 46.78% per annum. First Citizen Titanium Credit Card charges only 39% per annum which is far more reasonable.<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Axis bank has some of best credit cards and mostly focuses on the needs of a common man. Here the annual charge of Rs 750 is slightly high but the benefits associated with this card are good. You get 6 edge points for every Rs 200 spent using this card and 2 points on other expenses made. You also have offers from flipkart and even dining privileges using this card.<\/span><\/p>\n<h3>7. Central SBI Select Card<\/h3>\n<p><span style=\"font-weight: 400;\">The Central SBI Select Card has some interesting offers and discounts for its cardholders. As you spend using this card you can earn reward points. It has points exclusively for dining out and movies. They also have many joining perks from many online websites and retail outlets too.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Income proof, ID proof and address proof.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Age above 21 and less than 60.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">5 Select Points for every Rs.100 spent on Dining &amp; Movies.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">10 Select Points for every Rs.100 spent at any Central store.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">As a welcome gift you get a Central e-gift voucher worth Rs. 750, bookmyshow e-gift voucher worth Rs 250.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For the first 3 months you get an e-gift voucher from Central worth Rs 250 each month.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">1 point for every Rs 100 spend on all other purchases except fuel.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You can redeem our points at all Central stores for 1 point=25paise<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 Select Points on Rs.100 for Dining.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> Central e-gift voucher worth Rs 750.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40.2% per annum,<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 750<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 750<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 80% of the credit limit, maximum Rs. 15,000 per day.<\/span><\/td>\n<td><b>25-50 days,<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawbacks<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">You make only 5 Select Points on Rs.100 for Dining while SBI Simply Save Advantage Card gives up to 10 reward points for every Rs 100 spent.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The APR is high at 40.2% per annum.<\/span><\/li>\n<\/ul>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Here SBI has a tie up with one of the popular mall in India which is the Central mall.Avail 10 points for every Rs 100 spent at Central mall. You get gift vouchers as a welcome gift and get access to dining benefits too. The joining and annual fee is also slightly high but it is to be paid annually which is fine.<\/span><\/p>\n<h3>8. IndusInd Bank Platinum Card<\/h3>\n<p><span style=\"font-weight: 400;\"><a class=\"wpil_keyword_link\" href=\"https:\/\/www.indusind.com\/in\/en\/nri.html\" title=\"IndusInd\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"148\" target=\"_blank\" rel=\"noopener\">IndusInd<\/a> Platinum Card is high on rewards and is an ideal choice for customers. This is an ideal shopping companion and offers numerous lifestyle benefits too. Apart from this they also have a reward program which is apt for all lifestyle requirements.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Applicants must be 18-60 years of age.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Income proof, ID proof and address proof.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Avail vouchers from Satya Paul as welcome gift.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">1.5 Reward Points for every Rs. 150 spent<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Get Enjoy fuel surcharge waiver of 2.5% at petrol pumps across the country.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Buy 1 and get 1 movie ticket free.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Get a complimentary Personal Air Accident Cover worth Rs 25 lakhs.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Access to 600 Airport lounges across the planet with Priority Pass membership.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Even get access to platinum concierge services such as pre-trip assistance, hotel reservation and flight booking assistance, exclusive booking etc.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1.5 Reward Points for every Rs. 150 spent<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Fuel surcharge waiver of 2.5% at petrol pumps<\/span><\/td>\n<td><span style=\"font-weight: 400;\">46% per annum,<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 899<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 899<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.5% (Min. Rs 250) of the Cash Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 50 days<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawback<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You avail 1.5 point for every Rs 150 spent using this card. First Citizen give about 7 points for every Rs 100 spent at Shoppers Stop which is far better.<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Indus Ind Platinum Card is yet another shopping card with several benefits. The main highlight is the lifestyle privileges that come with this card. You can earn points as you spend using this card. You get 1.5 points for every Rs 150 spend using this card. You can even access the <\/span><span style=\"font-weight: 400;\">concierge services such as pre-trip assistance, hotel reservation and flight booking assistance, exclusive booking\u2026 etc that come along with this card.<\/span><\/p>\n<p><b>9. Axis Bank Neo Credit Card<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Axis Bank is offering great deals for people who love shopping and spend a good deal on them. In terms of rewards it is high on cash back benefits, welcome offers and entertainment benefits. This particular card has also some special benefits for online shopping which is convenient for the customers too.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The applicant must be a resident Indian or Nonresident Indian<\/span><\/li>\n<li><span style=\"font-weight: 400;\">They should be between the ages of 18-70 years.<\/span><\/li>\n<\/ul>\n<p><b>Benefits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">10% off on booking tickets through bookmyshow.com.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For a minimum purchase for Rs 500 from Myntra you get 10% off.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You get a welcome gift of Rs 500 from Myntra and a movie voucher worth Rs 200.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">10% cashback every time you shop at Jabong.com with a maximum cap of 1000 per month.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Earn 2 points for every Rs 200 spent using the card.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">10% cash back on selected spends<\/span><\/li>\n<li><span style=\"font-weight: 400;\">10% off on booking your bus tickets through redbus.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">10% cashback on mobile recharge through Freecharge mobile app, monthly benefits up to 30.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Zero card liability will protect you in case your card is lost or stolen provided you report it at the moment it\u2019s lost.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The joining fee is waived off if Rs 2500 is spent with this card within 45 days of receipt.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 point on every Rs 200 you spent<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10% off on booking tickets through bookmyshow.com<\/span><\/td>\n<td><span style=\"font-weight: 400;\">46.78% per annum)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 250<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 250<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.5% of transaction fee or 300\/-whichever is higher<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20-40 days<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawback<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You avail only 2 points for every Rs 200 spent.<\/span><span style=\"font-weight: 400;\"> While SBI Simply Save Advantage Card gives up to 10 reward points for every Rs 100 spent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The APR is also very high at 46.78%.<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Axis Neo Credit Card is a shopper\u2019s favorite card as it has all the benefits you would look for. The charges are very nominal at Rs 250.They have tie up with Myntra and Jabong which gives you better hand in online shopping too. Apart from this you also have movie tickets, red bus and mobile recharge options too for this card.<\/span><\/p>\n<h3>10. Solitaire Credit Card<\/h3>\n<p><span style=\"font-weight: 400;\">The Solitaire Credit Card is a card designed exclusively for women and they have numerous shopping rewards as well as discounts. Earn points as you shop and redeem them later for further departmental or grocery shopping.<\/span><\/p>\n<p><b>Eligibility<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">All salaried professionals as well self-employed people between the ages of 21-60 are eligible for this card.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Income proof, ID proof and address proof.<\/span><\/li>\n<\/ul>\n<p><b>Rewards<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Get the opportunity to get vouchers worth 2000 from Shoppers stop every year.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">For every 150 spent you get 3 reward points. You can also make 50% more reward points on grocery purchases. Cash redemption of points is also possible (100 Reward Points = Rs. 40).<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You can also avail fuel surcharge waiver up to 250 every billing cycle.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Avail interest free credit period within 50 days of making the purchase.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Can get zero liability on your lost credit card if you report the loss within 24 hours of losing it.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You can also enjoy the Revolving Credit on your Credit Card at nominal interest rate.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Earn a Cash Back of more than Rs. 4,000 on RP accumulated by spending Rs. 5 lakh on your card.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>Rewards<\/b><\/td>\n<td><b>Bonus offers<\/b><\/td>\n<td><b>APR<\/b><\/td>\n<td><b>Joining \u00a0Fee<\/b><\/td>\n<td><b>Annual Fee<\/b><\/td>\n<td><b>Cash withdrawal<\/b><\/td>\n<td><b>Interest free credit period<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Welcome gift of <\/span><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Rs 2000 from Shoppers stop<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> 3 points for every Rs 150 spent.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40.8% per annum,<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rs 999<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Nil<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.5% (Min. Rs 250) of the Cash Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 50 days<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Drawback<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This is card is only for women it cannot applied by male applicants.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You only get 3 points for every Rs 150 spent while SBI Simply Save Advantage Card gives up to 10 reward points for every Rs 100 spent.<\/span><\/p>\n<p><b>Summary<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The card comes with a welcome gift of Rs 2000 from shoppers stop. The joining fee is quite nominal at 999 but this again is only to be paid once. There is no annual charge for the card which is again very good for the customer. On spending 5 lakh using the card you get Rs 4000 as cash back.<\/span><\/p>\n<p>So, there you have it. All the best shopping credit cards available in India today. Next time you go shopping, ensure you are using one of these, and save your time and money.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Shopping is the national sport of India. Just kidding. It is no secret that shopping gets even better with shopping credit cards. With more and&#8230;<\/p>\n","protected":false},"author":1,"featured_media":55,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[509],"tags":[],"class_list":["post-11320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card-reviews"],"modified_by":"Mani Karthik","menu_order":0,"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/11320","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/comments?post=11320"}],"version-history":[{"count":6,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/11320\/revisions"}],"predecessor-version":[{"id":35214,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/11320\/revisions\/35214"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/55"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=11320"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=11320"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=11320"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}