Best Credit Cards for Online Spends
We ranked 5 cards for online spends: ranked by published rewards; annual fee amortised over an assumed ₹3,00,000 yearly spend. Standard Chartered DigiSmart comes first with an effective reward rate of about 5.0%.
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| Card | Best rate | Annual fee | Apply |
|---|---|---|---|
| Standard Chartered DigiSmart | 5.0% effective | ₹49 | Apply now |
| SBI Card Cashback | 5.0% effective | ₹999 | Apply now |
| HDFC Bank Pixel Play | 2.0% effective | ₹500 | Apply now |
| HDFC Bank Pixel Go | 1.5% effective | ₹0 | Apply now |
| AU Small Finance Bank Altura Plus | 2x (reward rate not published as cash value) | ₹499 | Apply now |
Frequently asked questions
- Which is the best credit card for online spends?
- Based on published rewards and fees, Standard Chartered DigiSmart ranks first for online spends.
- What reward rate can I get on online spends?
- The top-ranked card works out to about 5.0% effective rewards.
- Are there online spends cards with no annual fee?
- Yes. 1 of the ranked cards have no annual fee, including HDFC Bank Pixel Go.
- How are these cards ranked?
- Cards are ranked by published rewards; annual fee amortised over an assumed ₹3,00,000 yearly spend. Cards whose reward rate is not published as a cash value are listed after cards with a known rate. Rankings use only published card data.
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