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 .
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 —
Let’s move ahead and read more about the top RuPay shopping credit cards.
|Credit Card||Joining Fees||Lifetime Free||Annual Fee Waiver Amount||Welcome Benefits||Cashback Features||Rewards||Other Features||Link for more information on website|
|Edge CSB 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||https://jupiter.money/edge-upi-credit-card/|
|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||https://www.kotak.com/en/personal-banking/cards/credit-cards/metro-credit-card/features.html|
|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
Want to get a Credit Card which offers 5% cashback on UPI spends?
Best RuPay Credit Card for Rewards and Shopping
The Edge CSB 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 the Edge CSB RuPay Credit Card.
Tata Neu Infinity HDFC Credit Card is a shopping/rewards card and offers the following benefits.
Kotak Metro Cash & Carry card is designed for bulk retail shoppers and offers the following benefits.
Snapdeal RuPay Credit Card was launched in collaboration with Bank of Baroda, and it offers the following benefits.
Tata Neu Plus HDFC Credit Card is a shopping/rewards card and offers the following benefits.
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The Union Bank Select RuPay Credit Card has the following benefits.