Credit cards have earned a reputation for encouraging people to spend. But if you use your credit card smartly, it does not necessarily need to be considered a bad thing. Continue reading to find out how to use a credit card for shopping online can be highly beneficial to you…

  • Rewards points galore

Shopping with a credit card online can fetch you a bunch of rewards. It helps you to earn reward points that you can redeem at various departmental and retail stores. Credit card companies usually provide you with a catalogue of items for which you can redeem your reward points. Some credit cards even allow you to buy airline tickets with these points or earn flyer miles among other things. So why make a purchase with cash when choosing to pay through your Credit Card not only helps you buy the product but also earn some extra rewards points and goodies?

  • Credit Cards with additional perks

Even if you’re not interested in credit card rewards per se, you can still leverage the benefits of a credit card. For example, some of the best credit cards out there offer perks such as free travel insurance, primary and secondary rental-car coverage, price protection, and extended warranties, every time you use them to shop for a particular amount’s worth. Some premium cards come with guaranteed gift vouchers and benefits, such as free access to airport lounges. 

  • Easy EMI payments

With a credit card, you have this handy little option to pay for things in easy monthly instalments. So, you can not only buy your desired product but also get time to repay the amount with easy EMI options. However, you must keep in mind though that these instalments come with a rate of interest which usually ranges between 12-15% depending on the type of card you are using. At times, though, EMI options come with nil processing fees!


  • Cashback offers

In addition to reward points, many credit card companies offer a host of cashback discounts too. Popular e-retailers have a tie-up with credit card companies and thus, offer lucrative discounts for credit cardholders. The great thing about this is that you can benefit from attractive cashback offers when you shop online. So, you not only get to buy your desired products but also receive additional cashback points at the same time! 


  • Exclusive e-retail deals

The growing competition in the online retail space means that consumers get to choose from a variety of offers and deals before they buy a product. Most e-retailers these days have tie-ups with different banks and offer lucrative deals for credit card users. This collaboration allows you to enjoy a lower price or additional cashback points if you own a particular bank’s credit card. Each bank will have a host of retailer tie-ups, so, if you have multiple credit cards, you can surely enjoy the best of discounts on multiple websites and shop some more.


  • Cash problems

If you shop online using your credit card, you do not have to keep cash handy. You can shop in advance and pay later. However, remember to shop responsibly. Additionally, cash can be both cumbersome and risky if you are making a high-value purchase. Using a credit card while shopping online can be a much more secure option. Nevertheless, always keep security details such as security pin, CVV number, OTP, and expiry date private and secure as a basic measure. Be careful not to swipe your card in any place except POS machines and ATMs. An unsecured swipe could lead to your card being cloned and misused.


  • Perks of brand loyalty 

The growing competition among retailers means every entity wants to capture the market. Both banks and brands are doing every bit to appease consumers with the best of discounts. Many retailers offer an exclusive sale for their loyal customers even before they open it for the general public. So, if you are a frequent credit card user of a particular bank or on a particular website, you may get some additional loyalty points from the retail site or the bank as well! All of these benefits are of being a shopping enthusiast! What else can you wish for?


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We hope that these hacks have convinced you enough to use your credit card and not opt for cash on delivery, net banking, or debit card payments the next time you shop online. Spending money on Credit Cards is usually considered to be a bad habit, but once you have read about these deals and lucrative offers, that notion is bound to change! So, what are you waiting for? Go online and shop with your credit card and reap the benefits.