Shopping Credit Cards- Start by entering basic information like your email address, phone number, and PAN number, and then perform a quick e-KYC to verify your address information. The instant credit card that best fits your lifestyle should be chosen. Lastly, finish your instant video KYC, and you’re done! You can anticipate receiving your credit card within 24-48 hours of completing the application. With an IndusInd Bank Credit Card, you can get exclusive memberships and discounts on dining, travel, online shopping, entertainment, and more. Additionally, our reward points never expire, so you can use them to pay your credit card bills or exchange them for cash.
Shopping Credit Cards
Managing your finances can be quick and easy with the right credit card. To help you get the most out of your savings and have an easy payment experience, IndusInd Bank has unique credit card benefits. Choose the credit card that best meets your needs for your lifestyle from a wide selection.
In addition, we provide a selection of instant credit cards, including the Legend Credit Card, Platinum Visa Credit Card, Platinum Aura Edge Visa Credit Card, Club Vistara Explorer Credit Card, and EazyDiner Credit Card, all of which have 100% digital application processes and provide the highest-quality benefits. Apply for the credit card of your choice by going to the Instant Credit Cards section. Additionally, take a look at the additional information regarding credit card eligibility requirements, interest rates, and EMI interest rates.
Shopping Credit Cards Overview
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Features of SBI Simply Save Card
- Spending on grocery, movie, dining, and department store purchases will increase your reward points by ten times.
- Earn one reward point for every Rs. 100 you spend on any other category.
- You can use your reward points to pay off the balance on your credit card or buy gifts from the rewards catalog.
- At any petrol pump in India, you can avoid paying the fuel surcharge for fuel transactions valued between Rs. 500 and Rs. 3000.
- Spending Rs. 2000 or more within the first 60 days of receiving the card earns you 2000 bonus reward points.
Check Also:- How to apply for IndusInd Platinum Card?
Kotak Bank Delight Platinum Credit Card
The Kotak Delight Platinum Credit Card grants privileges in a variety of life areas, including travel, dining, entertainment, and other activities. The card is a comprehensive credit card because it offers cashback, discounts, fee waivers, and many other benefits in all of the aforementioned categories.
Features of Kotak Delight Platinum Credit Card
- Receive 10% cash back on all dining and movie purchases. Spending a minimum of Rs.10,000 on categories other than entertainment and dining during a single billing cycle is required to qualify for the cashback.
- For every six months you spend Rs. 1,25,000, you can get four free PVR movie tickets.
- Reservations made through irctc.com will not incur a railway surcharge, and reservations made at Indian Railway booking counters will incur a surcharge of 2.5%.
- Get a waiver of 2.5% fuel overcharge on fuel exchanges made at fuel stations across India.
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HDFC Bank MoneyBack Credit Card
The HDFC MoneyBack credit card is ideal for you if you want to earn cash back on the majority of your credit card transactions. The card lets users earn reward points that can be exchanged for cash rather than gifts or rewards.
Features of HDFC Bank MoneyBack Card
- Every 150 rupees spent on the card earns you two reward points.
- You can get four reward Points for using the card to make online purchases.
- You can get Rs.20 in cash back for every 100 reward points you redeem.
- Possibility to exchange reward points for air miles and gifts from HDFC’s rewards catalog.
- Fuel transactions with a minimum transaction value of Rs. 400 are exempt from the 1 percent fuel surcharge.
HSBC Visa Platinum Credit Card
The HSBC Visa Platinum credit card has no annual fee and no joining fee. Other benefits include cashback, discounts on travel and dining, movie ticket discounts, accelerated reward points on category spending, and more.
Features of HSBC Visa Platinum Card
- The BookMyShow voucher for Rs. 250 and the Cleartrip voucher for Rs.
- For the first year, earn three times as many reward points for all telecom, hotel, and dining transactions.
- Every 150 rupees spent on the card earns you two reward points.
- Get a Rs.500 movie ticket voucher for every month of spending more than Rs.50,000.
- Fuel transactions between Rs.400 and Rs.4000 qualify for a waiver of the fuel surcharge of up to Rs.250 per calendar month.
- discounts of up to 15% on dining expenses in major cities.
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Types Of Shopping Credit Cards In India
| Cashback shopping credit cards | The name says everything. You will receive cashback in the form of a percentage of your total transaction with cashback shopping credit cards. The amount of cashback offered by various retailers varies. You can look for credit cards that offer cashback on a particular brand if you are devoted to at least one of them. |
| Shopping credit cards with accelerated rewards | You might not get lucky right away with these shopping credit cards, but they will surprise you with gifts and rewards. Spends related to shopping on a few categories, such as clothing, accessories, cosmetics, etc., are different from regular purchases. would earn you accelerated reward points, which you can use to buy gifts, discounts, and other bank deals. |
| Shopping credit cards with discount offers | Certain shopping credit cards offer discounts throughout the year on purchases made at specific stores, both online and offline. If you shop at a specific retail establishment frequently, such as Shoppers Stop, LifeStyle, Trends, etc., You can select a credit card that gives you discounts on purchases made at those stores. |
How to Apply For Shopping Credit Cards Online?
The online application process has simplified the process of applying for any credit card, including shopping credit cards. You can apply for the credit card that best suits your needs in terms of lifestyle by going to the online application page. There are two distinct ways to apply online for a shopping credit card, which are outlined below.
Apply through bank’s website
Applying online through the respective bank’s website is the first option. You can begin the process of applying for a credit card online because the majority of banks accept applications online. To apply for a shopping credit card through a bank’s website, follow the steps below.
- First of all, Visit the respective bank’s website
- See for your preferred shopping credit card
- Press on the card to access detailed information about the card
- Press on ‘Apply’ button to submit an online application for the same
- On the online application page, enter all the required fields with accurate information, read the terms and conditions before accepting and click on ‘Submit’
After the application has been submitted successfully, the system will generate an application reference number. The application will be reviewed by the bank in three to four days, and if the information meets the eligibility requirements, you will be notified by phone of the next steps in the process.
The bank will process the credit card within seven to ten days if everything goes according to plan. Through the bank’s website, you can use the application ID to monitor your application’s progress.
Check Here- LifeStyle Credit Cards Benefits
Apply Through Bankbazaar Website
The BankBazaar website is the second authorized method for applying for a shopping credit card. A comprehensive platform for shopping for credit cards and other financial products, BankBazaar is a partner service provider for more than 50 banks.
Shopping credit cards from a variety of banks are all available under one roof, allowing you to compare and select the best card available. You can also apply for it on the BankBazaar website. The steps to applying for a credit card through the BankBazaar website are outlined below.
- First of all, visit Bankbazaar.com
- From the main menu, choose “Credit Cards.”
- From the credit card list, select your shopping credit card.
- By providing some fundamental information, such as your name, location, and income, you can verify your eligibility for the card.
You will be redirected to the online application page if your profile meets the requirements for the credit card. Click “Submit” after filling out all of the required fields with relevant information. The system will generate an Application ID, which can be used to monitor your application’s progress later using BankBazaar’s “Track Application” feature.
Eligibility To Apply For Shopping Credit Cards
- Student should be a citizen of India
- Salaried or self-employed
- Applicant should have a decent credit history (Not applicable for first time borrowers)
- Age of the student– Min. 21 years and Max. 60 years
Documents Required To Apply For Shopping Credit Cards
The following is a list of the documents required to apply for shopping credit cards. Again, because each bank has different requirements, you need to check with the bank or its website for bank-specific documentation.
- A copy of an identity document, such as a passport or Aadhaar card.
- Documents proving one’s address, such as a voter’s ID, Aadhaar, driving license, electricity bill, or passport, depending on which holds your current address.
- PAN card copy
- Two months salary slips or IT Returns
- Duly signed in application
- One passport size photograph
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How to use Credit Card for Online Shopping?
The market for e-commerce is currently booming—anything from clothes to groceries to electronics can be purchased online. When making a purchase online, you typically need to pay with a credit card or debit card. Although the process is not difficult, it is preferable to have an idea before proceeding. Also, before going on a spending spree, know your credit limit. When you shop online with a credit card, the following steps are required:
Selecting Items for Purchase
When you want to buy something online, the first step is to choose a website. After that, you have to choose what you want to buy. You can put your items in a virtual cart or bag during this step. You can usually add items to your cart or bag by clicking on a tab labeled “Add to Cart” or “Add to Bag” on most websites. Applicant can proceed to the website’s checkout page after selecting all items.
Entering Shipping Information
You will be prompted to enter information such as your billing address, contact information, and shipping address on the checkout page. You can also find the total amount of your bill on this page because you added everything to your cart. It is possible for your shipping address to differ from your billing address, which is where you receive your credit card statement. When making this choice, exercise caution.
Choosing Payment Method
The installment page will permit you to choose the kind of card you wish to make the installment with. Typically, you will be offered MasterCard, Visa, American Express, or Discover as payment options. If the merchant does not have a tie-up with your card, you may not be able to select it. You will need to change how you pay in these situations.
Also Check- Rewards Credit Cards Benefits
Entering Name and Credit Card Information
The site will then ask for your name and credit card number, as well as other important payment information like the security code, expiration date, and card number. The three-digit security code can also be found on the back of some cards.
Third-party Payments
You can register your credit card and create an account on some third-party websites like PayPal and Citrus. You will only need to enter the username and password for PayPal and select “Pay with PayPal” each time you make an online purchase because this only requires you to enter all of your credit card information once.
Safety and Security
Your credit card is also at risk when you shop online because of potential fraud. When doing free online shopping, keep in mind the following:
- Do not choose your shopping sites solely based on discounts and offers; instead, shop only on secure websites. A lock or the “Verisign” logo on the website is the best guarantee of safety and security.
- Do not make online purchases from unsecure Wi-Fi networks or unsafe public terminals.
- No website should ever store your credit card information.
- On any website, do not enter your ATM or internet PIN number.
- Guarantee you get informed each time your Visa has been utilized.
You must use your credit card with extreme caution whenever you shop, online or offline. Shopping will continue to be enjoyable as long as you exercise caution and take some precautions when conducting business online.
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