Free Credit Cards for Online Shopping in India with Low CIBIL Score Acceptance

 In today’s digital world, online shopping has become an essential part of our lives. Whether it’s for purchasing gadgets, clothing, or daily necessities, online shopping offers convenience and flexibility. To make the most of online shopping, many people opt for credit cards that offer benefits such as cashbacks, rewards, discounts, and more. However, if you have a low CIBIL score, you may face difficulty in securing a credit card for online shopping. But don’t worry, there are still options available, including the best credit card for shopping online, the best free credit card in India, and even credit cards for low CIBIL scores.


In this article, we will explore the best options for free credit cards available for online shopping in India that also consider low CIBIL score applicants. We will also discuss the features and benefits that make these credit cards ideal for those with low credit scores.


What is CIBIL Score?

Before we dive into the best credit cards, it’s important to understand what a CIBIL score is. The CIBIL score, or Credit Information Bureau (India) Limited score, is a three-digit number that reflects an individual’s creditworthiness. It ranges from 300 to 900, with a score above 750 considered to be excellent. A higher CIBIL score increases your chances of getting approved for credit cards, loans, and other financial products. However, many people with low CIBIL scores (below 650) may find it difficult to get approval for a credit card.


While a low CIBIL score may indicate a higher risk to lenders, it doesn’t mean you can’t access credit cards. Several financial institutions offer credit cards for low CIBIL scores, especially if you are a responsible borrower with a steady income.


The Best Free Credit Cards for Online Shopping in India

If you are looking for a best free credit card in India for online shopping, there are a few options that don’t charge annual fees and offer great benefits for your online purchases. Let’s explore some of the top credit cards that can help you maximize your online shopping experience.


1. Amazon Pay ICICI Credit Card

One of the most popular choices for online shopping in India is the Amazon Pay ICICI Credit Card. This card is especially beneficial for individuals who frequently shop on Amazon, but it also offers great advantages for general online shopping.


Key Features:

No Annual Fee: The Amazon Pay ICICI Credit Card comes with zero annual fees, making it a best free credit card in India for online shoppers.

Reward Points: Earn 5% cashback on Amazon India purchases, 2% on bill payments, 1% on all other online and offline purchases.

Easy Application for Low CIBIL Score: While the card is not guaranteed for applicants with low CIBIL scores, it is known to be relatively lenient in its approval process, especially for those with a stable income.

This credit card is ideal for those who want to enjoy online shopping with added perks, particularly on Amazon. It is also a great card for those with moderate credit scores who may not be eligible for other high-end credit cards.


2. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card is another excellent option for online shoppers. This card is perfect for those who shop frequently on Flipkart or other online retailers, as it offers excellent rewards and discounts.


Key Features:

No Annual Fee for the First Year: You can enjoy the benefits of this credit card without worrying about an annual fee for the first year.

Rewards Points: Earn 5% cashback on Flipkart, Myntra, and 1MG purchases, 4% on preferred merchants, and 1.5% on other transactions.

Flexible Redemption: Reward points can be redeemed for a wide range of products, including electronics, clothing, and more.

Suitable for Low CIBIL Score Applicants: While the card is primarily targeted at individuals with good credit scores, applicants with low CIBIL scores may still be able to get approved if they have a strong income history.

This card provides excellent value for those who prefer shopping on Flipkart or Myntra and offers decent rewards for other purchases as well.


3. RBL Bank Shop Smart Credit Card

For those who love shopping online and want to enjoy both offline and online shopping benefits, the RBL Bank Shop Smart Credit Card is a fantastic option. It offers attractive rewards and has a low annual fee.


Key Features:

No Annual Fee for the First Year: The first year’s membership fee is waived, making it a great option for those who want to avoid upfront costs.

Reward Points: Earn 5% cashback on online shopping platforms like Amazon, Flipkart, and more, 1% on other purchases.

Discounts on Movies and Dining: Get discounts on movie tickets and dining at select restaurants.

Easy Approval for Low CIBIL Score Applicants: The RBL Shop Smart Credit Card has a relatively flexible approval process, making it accessible for individuals with a low CIBIL score.

This card is perfect for those who want to make the most out of their online shopping purchases while enjoying additional perks like movie discounts.


4. SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is another great option for online shopping enthusiasts. It offers excellent rewards for online shopping and provides a variety of other benefits as well.


Key Features:

Low Annual Fee: The annual fee for the SBI SimplyCLICK Credit Card is quite affordable compared to many other credit cards.

Reward Points: Earn 10X reward points on purchases made on partner websites like Amazon, Flipkart, and more.

Additional Benefits: Get benefits like movie ticket discounts, fuel surcharge waivers, and more.

Available for Low CIBIL Score Applicants: The SBI SimplyCLICK Credit Card is a great option for those with a lower CIBIL score as it’s easier to qualify for than many premium cards.

With its low annual fee and rewarding online shopping benefits, this card is perfect for individuals who are looking for a best credit card for shopping online.


Credit Cards for Low CIBIL Scores

If you have a low CIBIL score, it can be challenging to find a credit card that fits your needs. However, there are several cards that are more lenient with applicants and still provide great rewards for online shopping.


Here are a few credit cards that you may consider if your CIBIL score is low:


1. HDFC Easy Shop Credit Card

The HDFC Easy Shop Credit Card is designed to help individuals with a lower credit score access credit while earning great rewards for their purchases.


Key Features:

Affordable Annual Fee: The annual fee is quite low, making it accessible for most individuals.

Rewards: Earn 2 reward points for every ₹150 spent.

Online Shopping Rewards: This card offers extra reward points for online shopping and bill payments.

2. ICICI Platinum Chip Credit Card

The ICICI Platinum Chip Credit Card is another option that may be suitable for those with low CIBIL scores. It offers various benefits, including rewards on online shopping.


Key Features:

No Annual Fee for the First Year: You get a waiver on the first-year annual fee.

Rewards Points: Earn 2 reward points for every ₹100 spent on online shopping.

Low Eligibility Criteria: The card is easier to obtain for individuals with low CIBIL scores, especially those with a consistent income.

Conclusion

For individuals with a low CIBIL score, it is possible to find the best credit card for shopping online. You don’t have to be restricted from enjoying the perks of online shopping. Credit cards such as the Amazon Pay ICICI Credit Card, Flipkart Axis Bank Credit Card, RBL Bank Shop Smart Credit Card, and SBI SimplyCLICK Credit Card are all great options that provide attractive benefits, even for those with low credit scores.


Moreover, there are also cards like the HDFC Easy Shop Credit Card and ICICI Platinum Chip Credit Card that specifically cater to individuals with lower CIBIL scores. When choosing the right credit card for online shopping, it’s essential to consider the benefits, annual fees, and eligibility requirements.


Whether you’re looking for a best free credit card in India or a credit card for low CIBIL score applicants, the options mentioned in this article will help you make an informed decision and enjoy the perks of online shopping without worrying about your credit score.

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