This guide is dedicated to helping you discover the Best Rupay Credit Cards for Online Purchases that align seamlessly with your online shopping needs, ensuring a perfect blend of perks and practicality.
Before delving into the top recommendations, let’s explore why having a Rupay credit card specifically tailored for online shopping is a strategic choice.
Rupay, recognized for its cost-effective solutions, provides credit cards that offer a plethora of features designed to enhance your digital shopping ventures.
Choosing the ideal card ensures you not only enjoy a seamless transaction process but also unlock exclusive discounts and rewards.
Elevate Your Shopping Experience: Uncovering the Best Rupay Credit Cards for Online Purchases
| Credit Card | Annual Fees | Key Features |
|---|---|---|
| IndianOil Axis Bank Credit Card | Rs. 499 + GST | Get a 4% cash return on your fuel expenditures at IndianOil fuel outlets. |
| HDFC MoneyBack Plus Credit Card | Rs. 499 + GST | Enjoy a tenfold increase in CashPoints for transactions made on Amazon, Swiggy, BigBasket, Reliance Smart SuperStore, and Flipkart. |
| ICICI Coral Credit Card | Nil | Gain 2 reward points for every Rs. 100 utilized with your card. |
| ICICI Bank HPCL Super Saver Credit Card | Rs. 499 + GST | Avail a 4% cashback on fuel purchases at HPCL outlets. |
| Kotak League Platinum Credit Card | Rs. 499 + GST | Earn 8 reward points for every Rs. 150 spent using this credit card. |
| Kotak Mojo Platinum Credit Card | Rs. 999 + GST | Earn 2.5 Mojo points per Rs. 100 expended on online transactions. |
Best Rupay Credit Cards for Online Purchases – Table of Contents
Top Picks for Best Rupay Credit Cards for Online Purchases:
1. IndianOil Axis Bank Credit Card
The Axis Bank credit card from IndianOil is designed not only to provide savings on fuel but also on various other expenses.
This fuel credit card offers a plethora of benefits, including accelerated reward points and surcharge waivers on every fuel purchase. Moreover, it extends its advantages to different categories beyond fuel expenses.
Key Features of the Axis Bank IndianOil Credit Card:
- Earn accelerated reward points when fueling up at Indian Oil Corporation fuel pumps.
- Enjoy a welcome cashback of up to Rs.250 on all fuel transactions made within 30 days of receiving the card.
- Gain accelerated reward points on your shopping expenditures.
- Avail a fuel surcharge waiver on all your fuel purchases.
- Receive an annual fee waiver if your annual expenses surpass Rs.50,000.
- Benefit from discounts on movie ticket purchases.
This credit card not only ensures savings on fuel costs but also enhances your overall shopping experience with accelerated rewards and additional perks. IndianOil Axis Bank Credit Card is one of the Best Rupay Credit Cards for Online Purchases.
2. HDFC MoneyBack Plus Credit Card
The HDFC MoneyBack+ Credit Card stands out as a rewarding option for cardholders, offering a range of benefits across diverse categories.
Ideal for those seeking an entry-level card with enticing reward points, this credit card provides opportunities for earning rewards and cashback on expenditures at Swiggy, Amazon, Flipkart, Big Basket, and Reliance Smart Super Store.
Upon card activation, users receive a welcome gift of 500 CashPoints. Notably, making Equated Monthly Installments (EMI) payments at select merchant stores earns cardholders 5x CashPoints.
For every Rs.150 spent (excluding wallet reloads, fuel, voucher, and prepaid card reloads), two CashPoints are earned.
The HDFC MoneyBack+ Credit Card offers a remarkable 10x CashPoints on purchases from partner brands such as Reliance Smart Store, Flipkart, Swiggy, Amazon, and Big Basket.
Additionally, cardholders enjoy up to a 15% discount at over 2,000 select restaurants nationwide.
For annual expenditures exceeding Rs.50,000, cardholders receive a Rs.500 gift voucher. The card also provides a 1% fuel surcharge waiver and waives the annual fee for users surpassing Rs.50,000 in annual spending.
Furthermore, it allows convenient conversion of one-time payments into easy EMIs for significant purchases.
With a zero lost card liability benefit, cardholders are not held responsible for fraud if the card is lost, provided they promptly report the incident to HDFC Bank Credit Card customer service. HDFC MoneyBack Plus Credit Card is one of the Best Rupay Credit Cards for Online Purchases.
Moreover, those spending a minimum of Rs.50,000 annually enjoy a waiver of the renewal membership fee.
3. ICICI Coral Credit Card
Unlock a world of rewards with the ICICI Bank Coral Credit Card, where you can accrue up to 10,000 payback points annually. Indulge in complimentary access to airport and railway lounges, along with enticing movie ticket offers.
Enjoy significant savings, with a minimum of 15% off at over 2500 restaurants across India.
Explore the exclusive Gemstone Collection introduced by ICICI Bank, featuring a lineup of premium credit cards. Among them, the ICICI Bank Coral Credit Card stands out as one of the five distinctive variants in this series.
Tailored to provide cardholders with a plethora of exclusive deals and benefits, this card is designed to enhance your lifestyle.
As part of the ICICI Bank Milestone Rewards program, transactions totalling Rs. 2 lahks earn you 2,000 points, and beyond this milestone, you’ll receive an additional 1,000 points for transactions exceeding Rs. 1 lakh during an anniversary year.
The upper limit for PAYBACK Points is set at 10,000 per annum.
With every purchase of Rs. 100 (excluding fuel), cardholders can accumulate 2 PAYBACK points. ICICI Coral Credit Card is one of the Best Rupay Credit Cards for Online Purchases.
Additionally, payments for utilities and insurance transactions garner 1 PAYBACK Point each, ensuring a rewarding experience with every use. Embrace the perks of the ICICI Bank Coral Credit Card for a lifestyle enriched with exclusive privileges and savings.
4. ICICI Bank HPCL Super Saver Credit Card
The ICICI Bank HPLC Super Saver credit card stands out as an excellent choice for savvy shoppers. This credit card provides an array of benefits, including cashback on diverse purchases and savings on utilities, fuel, and departmental store expenditures.
Cardholders enjoy complimentary lounge access at domestic airports, ensuring a pleasant travel experience.
The convenience extends to 24/7 complimentary roadside assistance, offering peace of mind for unexpected situations.
For fuel purchases made using the HP pay app at various HPCL outlets, users receive an additional 1.5% cashback, enhancing savings.
Movie enthusiasts benefit from up to 25% discount on tickets, with a maximum of Rs.100 savings per booking, valid twice a month at Inox movies and BookMyShow.
The perks continue with a 5% cashback on departmental, utility, and grocery purchases, catering to everyday essentials.
Upon activation and fee payment, new cardholders enjoy a joining benefit of Rs.2000, adding immediate value to their membership.
In summary, the HPLC Super Saver credit card from ICICI Bank offers a compelling blend of rewards, discounts, and exclusive privileges, making it an ideal choice for those seeking a comprehensive and rewarding credit card experience. ICICI Bank HPCL Super Saver Credit Card is one of the Best Rupay Credit Cards for Online Purchases.
5. Kotak League Platinum Credit Card
Balancing work and home responsibilities can be challenging for professionals. The Kotak League Platinum Card is specifically designed to address the unique needs of working individuals, providing a convenient solution for managing personal finances effortlessly.
This credit card offers enticing cashback on lifestyle and entertainment expenditures.
Earn 1 reward point for every Rs.100 spent using your Kotak credit card, with these points automatically converting to cash and credited to your account without the need for additional requests. Kotak League Platinum Credit Card is one of the Best Rupay Credit Cards for Online Purchases.
Additionally, cardholders enjoy up to 8x reward points for every Rs.150 spent, adding further value to their spending experiences.
6. Kotak Mojo Platinum Credit Card
The Kotak Mojo Platinum Credit Card from Kotak Mahindra Bank is designed to harmonize your travel, rewards, and milestone advantages.
With each transaction using this card, you accumulate reward points, providing the opportunity for future redemptions. The card requires a joining fee of Rs.1,000.
Enjoy the benefit of earning 2.5 Mojo points for every Rs.100 spent on various online transactions. Additionally, avail yourself of 8 complimentary annual airport lounge accesses within India, allowing 2 visits per quarter. Kotak Mojo Platinum Credit Card is one of the Best Rupay Credit Cards for Online Purchases.
Furthermore, gain 5 Mojo points for every Rs.100 spent on all purchases at KayMall. This credit card is crafted to enhance your overall experience, offering a blend of perks for diverse spending categories.
7. Yes Prosperity Reward Plus Credit Card
The YES Prosperity Reward Plus Credit Card offers enticing rewards with every swipe, ensuring a delightful experience.
This credit card not only provides significant discounts on both dining and retail expenditures but also enhances your rewards on dining bills, international transactions, and online purchases.
As part of the exclusive YES Privileges program, cardholders can relish fantastic offers on dining, travel, shopping, and wellness expenses in specific cities. Yes Prosperity Reward Plus Credit Card is one of the Best Rupay Credit Cards for Online Purchases.
Additionally, the card extends the benefit of a fuel surcharge waiver at fuel pumps nationwide, adding to the overall value of your card usage.
Conclusion for Best Rupay Credit Cards for Online Purchases
In conclusion, the search for the best Rupay credit cards for online shopping involves a thorough analysis of discount structures, transaction security, tailored rewards, and additional e-commerce benefits.
By selecting a card that aligns with your online shopping preferences, you not only streamline your digital transactions but also enhance your overall shopping experience.
Remember, the right card is not just a payment tool, it’s your key to unlocking a world of savings and exclusive perks in the digital marketplace. Happy shopping!
