Novio Recommends: The Best Credit Cards for Online Shopping and Low CIBIL Scores in India

 In today’s digital world, online shopping has become a popular and convenient way to make purchases. From fashion and gadgets to groceries and entertainment, almost anything can be bought online with just a few clicks. With the rise of e-commerce, credit cards have emerged as one of the most favored payment methods for online shoppers. They offer convenience, security, and various rewards that make shopping a rewarding experience. However, for individuals with a low CIBIL score, finding the right credit card for online shopping can be a challenge. In this blog, we’ll explore some of the best credit card options available in India for online shopping and how to find the best free credit cards, even for those with a low CIBIL score.


Understanding Credit Cards for Online Shopping

A credit card for shopping online is more than just a payment tool. It provides various perks such as cashback, reward points, discounts, and exclusive deals with online retailers. The best credit cards for shopping online typically offer enhanced security features, such as two-factor authentication and fraud detection, to ensure safe transactions. Additionally, some cards offer welcome bonuses, extra cashback, and frequent flyer miles, making them even more attractive for frequent online shoppers.


Challenges Faced by Those with Low CIBIL Scores

CIBIL scores, also known as Credit Bureau Scores, are used by lenders and financial institutions to assess an individual’s creditworthiness. A low CIBIL score can make it challenging to get approved for a credit card, as banks typically see low scores as a risk factor for defaulting on payments. For those with a credit card for low CIBIL score, it can seem almost impossible to find a credit card that meets their needs. However, there are credit card options available for individuals in this situation, and by choosing wisely, you can still enjoy the perks of online shopping.


The Best Credit Card for Shopping Online in India

When it comes to choosing the best credit card for shopping online in India, several cards stand out based on their cashback rewards, discounts, and other benefits designed specifically for online shoppers. Let’s explore a few of the best options available:


Amazon Pay ICICI Bank Credit Card One of the top choices for online shoppers is the Amazon Pay ICICI Bank Credit Card. This card is ideal for those who frequently shop on Amazon, as it offers a flat 5% cashback on Amazon.in purchases for Prime members, and 3% for non-Prime members. Apart from Amazon, the card also provides 2% cashback on mobile and utility bill payments. For general retail purchases, the cashback is 1%. This credit card is perfect for online shopping enthusiasts looking to maximize their rewards while shopping for everyday items.


Flipkart Axis Bank Credit Card Another excellent option for online shopping is the Flipkart Axis Bank Credit Card. This card offers 5% cashback on Flipkart and Myntra purchases, 4% on dining, and 1.5% on other purchases. Additionally, it provides exclusive discounts and offers on Flipkart and Myntra, making it an excellent choice for regular shoppers on these platforms. The card also comes with a low annual fee, making it an attractive option for those looking to save money on their online shopping.


SBI Card ELITE For those seeking a more premium credit card for shopping online, the SBI Card ELITE is a fantastic option. This card offers an array of benefits, including 10x reward points on online shopping and other categories like dining, movies, and departmental stores. The reward points can be redeemed for a variety of products and services, including flight tickets, hotel stays, and gadgets. While the annual fee is on the higher side, the benefits make it a worthy investment for frequent shoppers who want to earn substantial rewards.


HDFC MoneyBack Credit Card The HDFC MoneyBack Credit Card is an excellent choice for those who are new to credit cards or have a limited credit history. This card offers 2 reward points for every ₹150 spent, which can be redeemed for shopping vouchers and other exciting options. Additionally, the card provides cashback offers on online shopping, making it an attractive option for budget-conscious individuals. It’s a great entry-level card for those who want to start building their credit score while enjoying the benefits of online shopping.


The Best Free Credit Cards in India

Many individuals are on the lookout for a best free credit card in India—a card that doesn’t come with an annual fee or hidden charges. If you are someone who prefers a no-annual-fee card that still offers substantial benefits for online shopping, here are a few great options:


Amazon Pay ICICI Bank Credit Card (Free Version) As mentioned earlier, the Amazon Pay ICICI Bank Credit Card offers great cashback on Amazon purchases. What’s even better is that the card comes with no annual fee, making it one of the best free credit cards for online shopping. Whether you’re a Prime member or not, this card helps you save money on your favorite products without incurring extra costs.


ICICI Bank Platinum Chip Credit Card For those seeking a free credit card with low interest rates and no annual fee, the ICICI Bank Platinum Chip Credit Card is a great option. This card offers a range of benefits, including discounts on shopping, dining, and entertainment, as well as special deals on online platforms like Amazon and Flipkart. It’s a solid, no-annual-fee option for individuals who want to build their credit while enjoying benefits for online shopping.


HDFC EasyShop Platinum Credit Card The HDFC EasyShop Platinum Credit Card is another popular choice for those who want a free credit card. This card offers discounts on movie tickets, dining, and shopping, with special deals for online shopping. The card also provides additional reward points on every purchase, which can be redeemed for gifts and vouchers. This makes it an ideal choice for individuals looking to maximize their savings on e-commerce platforms.


Credit Cards for Low CIBIL Score

For those who may have a low CIBIL score, it can seem challenging to get approved for a credit card. However, there are still options available for individuals who are looking to improve their credit score while enjoying the benefits of online shopping. Here are a few cards that cater to individuals with low CIBIL scores:


Credit Cards for Secured Users If you have a low CIBIL score, opting for a secured credit card may be your best bet. Secured credit cards require you to deposit a certain amount with the bank, which acts as collateral for the credit limit. These cards function similarly to regular credit cards but come with more lenient approval criteria. Many banks, including HDFC and ICICI, offer secured credit cards with lower CIBIL score requirements.


Yes Bank Savings Credit Card The Yes Bank Savings Credit Card is another option for individuals with a low CIBIL score. This card is designed for individuals who are new to credit and may not have a strong credit history. It offers cashback on online shopping, dining, and fuel, and comes with no annual fee for the first year. The card provides a great opportunity to build a good credit history while reaping the rewards of online shopping.


Bajaj Finserv RBL Bank Credit Card The Bajaj Finserv RBL Bank Credit Card is known for its lenient credit score requirements. This card offers cashback on online shopping, dining, and other retail purchases. It also provides discounts on select brands, making it a great option for those with a low CIBIL score who want to enjoy shopping perks without high-interest rates or annual fees.


Conclusion

Whether you're an avid online shopper with a high CIBIL score or someone with a low CIBIL score looking for the best credit card for shopping online, there are a plethora of options available in India. Novio recommends exploring credit cards that not only provide excellent rewards for online shopping but also offer options for individuals with low credit scores. From the best free credit cards in India to premium options with exclusive benefits, there’s a card out there to suit every need and shopping style. By choosing the right card, you can enhance your shopping experience while building your credit history and reaping the benefits of cashback, discounts, and rewards.

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