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6 Best RuPay Credit Card for Online Shopping in India 2024
Credit Card Advantages and Disadvantages
March 19, 2024
5 Best Lifetime Free RuPay Credit Card in India 2024
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With growing online spending, the demand for online shopping credit cards is also increasing. Banks have tied up with shopping websites and platforms to offer generous rewards to their users. Users have started collecting and utilizing credit cards for various benefits they derive from the collaboration these banks and services have with online businesses. From cashbacks to discounts, these offers make the purchases quite incentivized for smart credit card users.
What are Reward Points in Credit Card?
Whenever you get a credit card or do a transaction through a credit card, Credit Card providers reward you with points. These points can be redeemed to buy products or services. These points are given so that you keep doing transactions, which helps them (card provider) to earn revenue from successful transactions. There will be different ways to earn reward points and not all transactions yield reward points. Besides, points will be different for various kind of purchases and successful transactions. Some of the common ways to earn reward points are —
- Sign-up: Most credit card providers give sign-up rewards as a joining benefit to you
- Renewal: When you pay renewal fee for the credit card in subsequent years, you may be rewarded with points
- Regular rewards: For various kind of transactions, you will get rewarded certain points for the purchases you make
- Accelerated rewards/ Booster Rewards: You can earn extra rewards for online, grocery or travel based transactions whenever the card providers mention about special reward point structure for certain brands / type of transactions
- Milestones: Certain card providers will add reward points to your account when you accomplish the milestones that they might have set for the transactions, which you have to perform in a given period
Let’s move ahead and read more about the best RuPay Credit Card for Online Shopping.
6 Best RuPay Credit Card for Online Shopping in India 2024
| Credit Card | Joining Fees | Lifetime Free | Annual Fee Waiver Amount | Welcome Benefits | Cashback Features | Rewards | Other Features |
| Edge CSB Bank Rupay Credit Card | Nil | Only for the first 2 lakh users | Yes | Rs 250 voucher from partner brands | 5% cashback on UPI spends
Additional cashback after the milestone of Rs 30,000 |
Flat 1% cashback on non-UPI spends | Interest-free credit on UP payment |
| Tata Neu Infinity HDFC Bank Credit Card | Rs 1,499 | No | Yes, provided annual spends exceed Rs 3 lakhs | 1,499 NeuCoins. | NA | 5% NeuCoins at partner Tata online and in-store purchases
5% NeuCoins on bill payments & recharges through Tata Neu. 1.5% on NeuCoins on other spends. |
Complimentary lounge access at domestic and international airports
1% fuel surcharge waiver |
| Kotak Metro Cash & Carry | No | Yes | NA | Rs 500 cashback on spends above Rs 10,000 in the first month | 0.25% to 1% cashback based on the monthly minimum spends | Save up to 1% on metro spends | Credit free interest period of 48 days |
| Snapdeal RuPay Credit Card | Rs 249 | No | No | Snapdeal vouchers worth Rs 500 on spends done within 30 days | 5% unlimited cashback on Snapdeal | 10 reward points on Rs 100 spent on online shopping for grocery | 1% fuel surcharge waiver
Accumulated reward points will be auto-credited as cashback |
| Tata Neu Plus HDFC Bank Credit Card | Rs 499 | No | Yes, provided annual spends exceed Rs 1 lakhs | 499 NeuCoins. | NA | 2% NeuCoins at partner Tata online and in-store purchases
2% NeuCoins on bill payments & recharges through Tata Neu. 1% on NeuCoins on other spends. |
Complimentary lounge access at domestic airports
1% fuel surcharge wavier |
| Union Bank Select RuPay Credit Card | Nil | No | Yes, provided annual spends exceeding Rs 50,000 | NA | NA | 4 reward points for every Rs. 100 spent
1% reimbursement on fuel purchases |
Complimentary access to domestic and international lounges.
Free personal accident coverage Lost card insurance coverage |
Updated 25th December 2023
Want to get a Credit Card which offers 2% cashback on UPI spends?
?? Apply for Edge CSB Bank Rupay Credit Card
1. Edge CSB Bank Rupay Credit Card
The Edge CSB Bank Rupay Credit Card is issued by the CSB Bank and is exclusively available on the Jupiter Money App. This card combines the power of credit with the ease of UPI. The following are the benefits of this RuPay Credit Card.
- The card is a lifetime free card for the first 2 lakh users. This means there is no annual fee on the card.
- There is no joining fee for users.
- 5% cashback on UPI spends on Jupiter.
- Earn flat 1% on non-UPI spends.
- Earn additional cashback on incremental spending after the Rs 30,000 milestone.
- Get a welcome voucher worth Rs 250 from partner brands.
- Interest-free credit on UPI payments.
?? Apply for the Edge CSB Bank Rupay Credit Card
2. Tata Neu Infinity HDFC Bank Credit Card
Tata Neu Infinity HDFC Credit Card is a shopping/rewards card and offers the following benefits.
- 10% NeuCoins on Tata neu
- 5% NeuCoins at partner Tata online and in-store purchases, including BigBasket, Croma, Tata 1 mg, Air Asia, Tata CliQ, Taj Hotels, Cult, Titan and Tanishq.
- 5% NeuCoins on bill payments and recharges through Tata Neu.
- 1.5% on NeuCoins on other spends.
- Redeem NeuCoins for purchases at partner brands.
- Eight complimentary lounge access (2 per quarter) at domestic airports and one international lounge access per year.
- 1% fuel surcharge waiver.
- Welcome the benefit of 1,499 NeuCoins.
- Renewal fee waiver on annual spending above Rs 3 lakhs in the previous year
3. Kotak Metro Cash & Carry
Kotak Metro Cash & Carry card is designed for bulk retail shoppers and offers the following benefits.
- Earn cashback up to Rs 10,000 per month, subject to the user’s monthly Metro spends.
- No joining or yearly fees.
- Attractive interest-free credit facility in the B2B segment (for Metro’s business customers) for up to 48 days.
- The credit limit range starts from Rs 25,000 onwards based on the customer’s purchase pattern with Metro.
- Flexible repayment options through cash or online transfer
4. Snapdeal RuPay Credit Card
Snapdeal RuPay Credit Card was launched in collaboration with Bank of Baroda, and it offers the following benefits.
- The joining and annual fee is Rs 249 plus GST.
- 5% unlimited cashback for purchases made on Snapdeal.
- Snapdeal vouchers worth Rs 500 on card usage within 30 days of card issuance.
- Ten reward points for every Rs 100 spent on online shopping at grocery and departmental stores.
- 1% fuel surcharge waiver on all fuel transactions between Rs 400 and Rs 5,000.
- All accumulated reward points will be auto-credited as cashback to the monthly statement.
5. Tata Neu Plus HDFC Bank Credit Card
Tata Neu Plus HDFC Credit Card is a shopping/rewards card and offers the following benefits.
- 7% NeuCoins on shopping done on Tata Neu
- 2% NeuCoins at partner Tata online and in-store purchases, including BigBasket, Croma, Tata 1 mg, Air Asia, Tata CliQ, Taj Hotels, Cult, Titan and Tanishq.
- 2% NeuCoins on bill payments and recharges through Tata Neu.
- 1% on NeuCoins on other spends.
- Redeem NeuCoins for purchases at partner brands.
- Four complimentary lounge access (1 per quarter) at domestic airports per year.
- 1% fuel surcharge waiver.
- Welcome benefit of Rs 499 NeuCoins.
- Renewal fee waiver on annual spending above Rs 1 lakh in the previous year
You might also be interested in reading about:
- Best RuPay Credit Card in India
- Best RuPay Fuel Credit Card in India
- Best RuPay Credit Card for Travel
- Best RuPay Fuel Credit Card in India
- How To Link Credit Cards To UPI?
6. Union Bank Select RuPay Credit Card
The Union Bank Select RuPay Credit Card has the following benefits.
- No joining fees.
- You can link the RuPay card to UPI to make payments.
- Complimentary access to domestic and international lounges.
- Free personal accident insurance coverage up to Rs 10 lakhs.
- Lost card insurance coverage up to Rs 1.5 lakhs.
- 1% reimbursement on fuel purchases up to a maximum of Rs 100 per month per card.
- Earn four reward points for every Rs 100 spent.
- Exclusive offers on partner merchants.
- Annual maintenance fee waiver on credit card spends above Rs 50,000 in a year.
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Authors
Priyanka Rao
Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.
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