2 min read
25 May 2021

Be it for daily spends or big-ticket purchases, a credit card is almost always the best way to pay. This is mainly because of the grace period for repayment and increased purchasing power that it offers. Additionally, issuers have also evolved over time to offer you different types of credit cards that are suited to your spending habits. If you’re especially curious about a shopping credit card then you’re in luck as you can opt for a lifestyle credit card. While you can use almost any kind of credit card to make purchases, it is always better to opt for one that best complements your spends.

Access exclusive discounts at partner retail stores

If you’re a frequent shopper both at stores and online, you definitely know the value of a discount. Offers drive purchases and credit card issuers understand this. Therefore, you’ll find that lifestyle credit cards and shopping credits cards have some of the best deals available.

Depending on the issuer you can get flat price cuts, deductions and in some cases, even buy-one-get-one free on your purchases. Use these benefits to your advantage and bag the best deals in the market.

Earn reward points with every transaction

Your ideal credit card should not charge you a lot of interest. With the Shopping Credit Card by Bajaj Finserv and RBL, you can avail Equated Monthly Instalments (EMIs) at no extra cost. With the no-cost EMI feature, you can repay your credit card bills without any added interest. Just forget about the 12-14% interest that you are often charged to use the EMI option.

Avail cashback on select purchases and down payments

Accumulating cashback is a great way to save money, especially when you shop often. These cashback amounts can stack up over time to give you significant savings.

Lastly, as a card doesn’t come in the way of returning and exchanging products. You can do so easily, as lenders are more than willing to refund the amount to your card. Now that you know just how beneficial it is to shop with your credit card, look for the best credit card for shopping. The market is flush with issuers that who offer attractive deals so pick one that best suits your spending habits. Ideally, opt for a card that combines many features into one.

The Bajaj Finserv RBL Bank SuperCard, for example has a host of features in addition to credit cards offers. The SuperCard is ideal for all your shopping needs as it lets you convert any purchase above Rs. 3,000 into easy EMIs, and offers savings of up to Rs. 55,000 annually. You can also withdraw cash from any ATM on an interest-free basis long as you repay the amount within 50 days. The SuperCard has a simple process and you can benefit from instant approval as well. To get started, check your pre-approved offer and apply.
 

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Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

Frequently asked questions

What features should I look for in the best credit card for online shopping?

When choosing the best credit card for online shopping, look for features such as high reward points or cashback on online purchases, easy EMI options, zero-cost liability on fraudulent transactions, and exclusive discounts with various online retailers.

Which credit cards offer the best rewards or cashback for online purchases?

Your Bajaj Finserv RBL Bank Credit Card offers redeemable reward points on almost every transaction, along with up to 12X reward points on online transactions, depending on your card variant.

Are there any special security features offered by credit cards for online shopping?

For secure online shopping, credit cards often come with features like EMV chip technology for secure transactions, contactless payments, two-factor authentication, transaction alerts, and secure online portals for transactions.

How can I maximise the benefits of using a credit card for online shopping?

To get the most out of your credit card for online shopping, use it for everyday expenses, take advantage of sign-up bonuses, use online shopping portals for purchases, and pay your balance in full each month to avoid interest charges.

Are there any additional perks or discounts available when using specific credit cards for online purchases?

Many credit cards offer additional perks like exclusive discounts with specific online retailers, bonus reward points during certain periods, and special offers like no-cost EMI options, making them ideal for online shopping.

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