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2 mins Read | 9 Months Ago

Things to Consider before Choosing a Credit Card for online shopping

With the growing demand for Credit Cards, several banks are offering Credit Cards designed for online shopping that provide the best shopping experience. While it can be tempting to apply for a Credit Card, you should keep in mind several things before you sign up for one.

As more and more people choose online shopping, banks take this opportunity to launch more variants of online shopping Credit Cards. For instance, ICICI Bank offers an assortment of Credit Cards with unique features and offers, including the ICICI Bank Rubyx Credit Card, ICICI Platinum Chip Card – Visa, ICICI Bank Coral Contactless Card, ICICI Bank Amazon Pay Credit Card, MakeMyTrip ICICI Bank Signature Credit Card, among others.

Choose a card that aligns with your spending:

You should assess your spending pattern before choosing a credit card. Credit Cards come with different types of core benefits like Reward Points, Air Miles, Cashback, etc. and you should pick a Card that aligns with your online shopping behaviour. For instance, if you are a frequent traveller, you would opt for a Card that provides benefits such as Complimentary Lounge Access, Air Mile Earnings, Flight Booking Offers, etc.

Interest Rate:

The interest rate is charged on the amount that has been borrowed by a customer. It is  applicable only when you do not pay the complete outstanding amount. With an ICICI Bank Credit Card you can make purchases with zero interest charges during the interest-free period, which stretches up to 48 days.

Things to Consider before Choosing a Credit Card for online shopping

Consider the rewards:

There are credit card variants like ICICI Bank Coral Credit Card; you can access tonnes of exciting features. If you are looking for a Card that offers lifestyle benefits related to shopping, travel, health and others, you can opt for an ICICI Bank Coral Credit Card. The exciting offers and discounts on the card will help to ease the shopping expenses.

No EMI on Credit Card:

One of the advantages of online shopping is you get to purchase goods at discounted prices. So, if you are planning to make a big-ticket purchase, you should look for a Credit Card that gives you the flexibility to pay the amount in easy EMIs rather than pay the expenses in one go.

Shop Internationally:

The online marketplace is accessible globally. For instance, with the ICICI Bank Rubyx Visa Credit Card you get to earn bonus rewards of up to 4 PAYBACK Points on every domestic and international spend. You can redeem the PAYBACK Points on options ranging from mobiles, travel, lifestyle products and so on.

While shopping through Credit Cards, you should be vigilant about your spending as it is likely to go overboard. Also, it is essential to pay the total amount rather than pay only the minimum due. This will help to improve your creditworthiness.

To apply for credit card, visit https://loan.icicibank.com/asset-portal-all/checkEligibility

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