THESE 6 credit cards are a good bet for shoppers, check list here
We list out some popular credit cards which offer steep discounts and offers to the cardholders.
I. Cashback SBI Card: This card offers 5 percent cashback on online spends without any merchant restriction and one percent cashback on offline spends. There is also reversal of renewal fee ( ₹ 999) on annual spends of ₹ 2 lakh, shows sbicard.com.
II. YES Bank Paisabazaar PaisaSave Credit Card: This Yes Bank offers 3 percent cashback on online spends apart from 1.5 percent cashback on offline spends. The card offers 6 reward points per ₹ 200 spent on e-commerce transactions.
III. Amazon Pay ICICI Bank Credit Card: This credit card by ICICI Bank offers 5 percent cashback on spends on Amazon India if the cardholder is a member of Amazon Prime. It also offers 3 percent cashback on spends on Amazon India even if the cardholder is not an Amazon Prime member. One can use this card on Amazon Pay and earn 2 percent cashback on payments to 100 plus partner merchants.
You are also entitled to earn 1 percent cashback on other expenses such as shopping, dining, insurance payments, travel and much more.
IV. HDFC Bank Millennia Credit Card: This card offers 5 percent cashback on a number of platforms such as Amazon, Cult.fit, Flipkart, Myntra, SonyLiv, Swiggy, Tata CLIQ, Uber and Zomato. Additionally, there is 1 percent cashback on other spends.
The card also offers 1,000 worth gift vouchers on spends of ₹ 1,00,000 and above in each calendar year.
V. Flipkart Axis Bank Credit Card: This card gives cashback with every transaction of 5 percent cashback on Flipkart and Cleartrip spends. One can also earn unlimited 4 percent cashback on preferred merchants such as Cult Fit, PVR, Uber and Swiggy.
VI. Standard Chartered DigiSmart Credit Card: This card offers 10 percent off on Blinkit and Zomato up to a maximum of five transactions in a month. There are other conditions that also kick in. For instance, card holders can claim a maximum discount of ₹ 1,000 on Blinkit in a month and ₹ 150 on Zomato per transaction.
Disclaimer: Mint has a tie-up with fintechs for providing credit, you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. Mint does not promote or encourage taking credit as it comes with a set of risks such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.
For all personal finance updates, visit here
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Mint
a day ago
- Mint
Did Swiggy increase their platform fee from ₹12 to ₹14? Report reveals...
India food delivery aggregator Swiggy had raised its platform fee from ₹ 12 to ₹ 14 in certain pockets only on 15 August due to increase in demand of orders, people familiar with the development told However, as of 16 August, the platform fee remains ₹ 12 across India. A platform fee is a charge that a company like Swiggy, Zomato, or Uber adds to each transaction to cover the cost of maintaining and operating its platform. The platform fee of Rs14 per food delivery order was inclusive of Goods and Services Tax (GST), the Economic Times reported. In comparison, Zomato applies a platform fee of ₹ 10, excluding GST. Swiggy was the first to introduce this fee in April 2023, starting at ₹ 2, and has gradually increased it to ₹ 12 (pre-GST) as part of its strategy to strengthen unit-level profitability. Zomato adopted a similar approach, though its most recent fee revision occurred in October 2024. While these fees represented a small portion of the typical ₹ 500– ₹ 600 order value seen on food delivery platforms, they significantly contributed to improving overall profit margins for the companies, the ET report said. In the April–June period, Swiggy's net loss soared to ₹ 1,197 crore, double the figure from the same quarter last year. The company also reported a net cash outflow of ₹ 1,053 crore after accounting for its operating, investing, and financing activities, ET report mentioned. Despite the deepening losses, Swiggy saw a 54% year-on-year growth in operating revenue, which reached ₹ 4,961 crore. Amid this, new competition is emerging in the food delivery space. Ride-hailing firm Rapido has launched Ownly, its own food delivery platform, which is currently operational in select areas of Bengaluru, including Koramangala, HSR Layout, and BTM Layout. Ownly aims to challenge established players like Swiggy and Zomato by offering lower commission rates to restaurant partners between 8% and 15%, compared to the 16% to 30% typically charged by the incumbents.
Mint
a day ago
- Mint
Did Swiggy increase their platform fee from ₹12 to ₹14? Report reveals...
Indian online food ordering and delivery company Swiggy has reportedly raised its platform fee from ₹ 12 to ₹ 14 ahead of the festive season. It was introduced for certain regions on 15 August amid increase in demand of orders; however, it will be reduced once the demand slows down, The Economic Times reported. A platform fee is a charge that a company like Swiggy, Zomato, or Uber adds to each transaction to cover the cost of maintaining and operating its platform. The platform fee of Rs14 per food delivery order is inclusive of Goods and Services Tax (GST), the ET report noted. It is reportedly a 600 per cent increase in just more than two years, NDTV reported. In comparison, Zomato applies a platform fee of ₹ 10, excluding GST. Swiggy was the first to introduce this fee in April 2023, starting at ₹ 2, and has gradually increased it to ₹ 12 (pre-GST) as part of its strategy to strengthen unit-level profitability. Zomato adopted a similar approach, though its most recent fee revision occurred in October 2024. While these fees represent a small portion of the typical ₹ 500– ₹ 600 order value seen on food delivery platforms, they significantly contribute to improving overall profit margins for the companies. As it ramps up investments in its Instamart vertical, Swiggy has reportedly increased its platform fee amid mounting financial pressure. The move comes during a quarter marked by a sharp rise in losses. In the April–June period, Swiggy's net loss soared to ₹ 1,197 crore, double the figure from the same quarter last year. The company also reported a net cash outflow of ₹ 1,053 crore after accounting for its operating, investing, and financing activities, ET report said. Despite the deepening losses, Swiggy saw a 54% year-on-year growth in operating revenue, which reached ₹ 4,961 crore. Amid this, new competition is emerging in the food delivery space. Ride-hailing firm Rapido has launched Ownly, its own food delivery platform, which is currently operational in select areas of Bengaluru, including Koramangala, HSR Layout, and BTM Layout. Ownly aims to challenge established players like Swiggy and Zomato by offering lower commission rates to restaurant partners between 8% and 15%, compared to the 16% to 30% typically charged by the incumbents. Zomato introduced five price hikes in less than two years, resulting in a 400% surge, NDTV report said. Amid the Swiggy-Zomato duopoly, with commission fees reaching as high as 35%, restaurant owners are left with little choice but to raise their menu prices. As a result, multiple surveys indicate that ordering food online now costs over 50% more than dining at the restaurant, the report added. has reached out to Swiggy for a statement. The story will be updated once received.
NDTV
a day ago
- NDTV
Swiggy Raises Platform Fee To Rs 14, Marks 600% Hike In Two Years
Food delivery major Swiggy has once again hiked its platform fee for food delivery orders, now by Rs 2. Citing a rise in customer transactions during the festive season, the company has increased the fee from Rs 12 to Rs 14 to capitalise on the festive demand. The food delivery platform has been consistently increasing the fees. Swiggy's fee climbed from Rs 2 in April 2023 to Rs 6 in July 2024 and Rs 10 in October 2024. The current fees of Rs 14 are a staggering 600 per cent rise in just over two years. Swiggy processes over 2 million orders daily, and at current platform fee levels, this generates an additional income of crores of rupees daily. The company was yet to react to the increased platform fee. Swiggy reported a net loss of Rs 1,197 crore year-on-year (YoY) for the June quarter (Q1 FY26), almost double the Rs 611 crore loss it posted in the same period previous year (Q1 FY25). On quarter-on-quarter (QoQ) basis, the Bengaluru-based firm posted a net loss of Rs 1,081 crore in the previous quarter (Q4 FY25), according to its stock exchange filing. The widening losses were mainly due to its Quick Commerce division, Instamart, where the financial strain deepened sharply. Zomato and Swiggy have previously tested higher platform fees on high-demand days. If order volumes remained unaffected, they maintained the new fee structure. Zomato has also implemented five hikes in under two years, a 400 per cent increase. Zomato has also implemented five hikes in under two years, a 400 per cent increase. Due to the Swiggy-Zomato duopoly imposing commission rates up to 35 per cent, restaurant owners are forced to inflate menu prices, making online orders over 50 per cent costlier than dining in, according to multiple surveys. The companies have also been consistently facing criticism for failing to improve worker conditions despite multiple fee increases for consumers.
