Maximising Your Benefits Using a Shopping Credit Card

Online shopping has almost become second nature to everyone. And why not? You can buy groceries, clothes, accessories—more or less everything under the sun—with just a few taps. Aside from the convenience, online shopping comes with several other benefits. And with a shopping credit card tailored just for online shopping, you can get plenty of benefits and reward points. Explore the benefits of a shopping credit card and how it can transform your online experience.

1. Convenience

Instead of carrying wads of cash in your wallet, credit cards allow you to shop at your convenience. All it takes is a single swipe, whether you’re buying your daily morning iced coffee or a sofa set for your new home. You can sit back, relax, and continue your retail therapy—all from the comfort of your couch.

2. Rewards

You can’t talk about shopping for credit cards without talking about rewards. With every purchase using a shopping credit card, you earn several reward points that can be leveraged to maximise your savings. Watch out for special promotions or seasonal offers to help you with extra points that you can redeem on future purchases. With a One Credit Card, you can earn 2% reward points for every rupee spent and 5X reward points for the top two categories spent every month. Additionally, through the One Credit Card app, you can buy gift cards from popular brands across several categories using OneStore.

3. Cashback

Shopping credit cards offer compelling cashback deals across various online platforms. They provide exciting cashback on groceries, electronics, apparel, travel, watches, and fuel. For instance, One Credit Card, one of the best credit cards for shopping, gives a flat 10% cashback on electronics.

4. EMIs

Want to add your favourite designer handbag to your cart but are on a tight budget this month? Several credit card issuers offer low or no-cost EMIs (Equated Monthly Instalments) to help you manage your finances better. With just a few taps on your screen, you no longer have to put off your big purchases and stay within your budget at the same time.

5. Expense Tracking

Today, most credit cards have digital tools that allow you to review and categorise transactions, access monthly statements, check reward balances, and track your monthly spending. The One Credit Card app comes with an Insights feature, which lets you visually analyse all your spending categorywise, helping you manage your financial expenses.

6. Fraud Protection

Credit cards are one of the safest payments thanks to advanced fraud protection. However, shopping scams involving unauthorised access to personal information have become very common. This helps minimise losses while keeping your primary account details safe.

7. E-Commerce Collaborations

Shopping credit cards collaborate exclusively with brands to give you the best discounts and offers across multiple platforms. One Credit Card offers shopping benefits on online platforms like Amazon, Zudio, Mivi, Ajio and many others.

8. Instant Discounts

Few of the best credit cards for shopping provide instant discounts on your online shopping. This has to be a frequent shopper’s favourite feature. For instance, One Credit Card offers a 10% instant discount on all Amazon Wednesday purchases. These discounts are applied at checkout, adding to instant savings.

9. International Websites

Embrace the experience of using your shopping credit card on international websites. Now, with the ease of an online shopping credit card, you can place an order on an international website with just a few clicks away.

10. Additional Offers

Apart from these shopping offers, shopping credit cards offer deals on various platforms such as travel, airport lounges, dining, and more. With One Credit Card, you will receive exclusive travel benefits on flights, hotel stays, railway bookings, and more.

ALSO READ: What are the Benefits of Credit Card

To conclude, shopping credit cards simplify your online experience and offer benefits that add value to each transaction. Whether it’s convenience or rewards, shopping credit cards have changed how we shop online. Consider these benefits as mentioned above and enjoy your online shopping experience.