Best Credit Cards for Offline Shopping

Are you looking for a credit card that offers great benefits for offline shopping? Look no further! In this guide, we’ll explore the best credit cards that meet your offline shopping needs. These cards are perfect for those who prefer to make purchases in person at their favorite stores rather than online. They are designed to upgrade your offline shopping experience with rewards, cashback offers, and exclusive discounts.

Whether you’re buying groceries, clothing, electronics, or dining out, these cards offer excellent perks and rewards that you can enjoy without worrying about internet connectivity or online transactions. Join us as we check into the features and benefits of the top offline shopping credit cards, helping you make a decision and find the perfect card to complement your shopping habits.

Best Credit Cards for Offline Shopping

SBI SimplySave UPI RuPay Credit Card

The SBI SimplySave UPI RuPay Credit Card is an entry-level credit card best suited for newcomers. This card lets you earn reward points while spending on movies, departmental stores, dining, and grocery. Since it is an entry-level card no benefits like lounge access, golf courses, etc., will be available. You can link this credit card on UPI applications since the RuPay network is available. This card comes with various features that are discussed below–

• As a welcome benefit, you will receive 2,000 reward points when spending Rs. 2,000 through your credit card within 60 days of its issuance.
• This card’s annual fee is Rs. 499 plus taxes, which will be waived if you spend Rs. 1 lakh in the anniversary year.
• You will receive 10x reward points for every Rs. 100 spent on movies, dining, department stores, and groceries.
• 1 Reward Point for every Rs. 100 spent on all other categories.
• A 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000 at all fuel stations across India capped at a maximum of Rs. 100 per month.
• The reward points earned with the SBI SimplySave Credit Card can be redeemed against the gift vouchers available at www.sbicard.com or by logging in to the SBI Mobile Application.

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ICICI Bank Sapphiro Credit Card

The ICICI Bank Sapphiro Credit Card is a premium credit card that is best for frequent travelers and those looking for the maximum saving opportunities, entertainment benefits, and other advantages. The card comes in three types: AmEx, Visa, and Mastercard. Each card type offers different benefits, including welcome gifts worth more than Rs. 9,000, cashback, and points on every domestic and international spending. It suits domestic and international travelers offering elite benefits, including complimentary Dreamfolks Lounge Access, Golf Course privileges, and more. The card also offers insurance worth three crore. The features of the ICICI Bank Sapphiro Credit Card are as follows:

• The ICICI Sapphiro Credit Card has a joining fee of Rs. 6,500 plus taxes and a renewal fee of Rs. 3,500 plus taxes, which can be waived if you spend Rs. 6 lakhs annually.

• With a complimentary Dreamfolks Lounge Access membership, you can enjoy two international lounge visits and two spa sessions at selected airports in India every year.
• For every Rs. 50,000 spent on retail purchases in the previous calendar month, you will receive 4 complimentary golf rounds/lessons.
• After purchasing one ticket, you can get up to Rs. 500 off on the second ticket through BookMyShow twice a month.
• This card allows you to enjoy your favorite delicacies by availing of exclusive offers and benefits with the ICICI Bank Culinary Treats Programme in 2500+ restaurants.
• You earn 4 reward points upon spending Rs. 100 on international spending, 2 reward points upon spending Rs. 100 on domestic spending, and 1 reward point on every Rs. 100 spent on utilities and insurance categories.
• Under the new Milestone Rewards Program, 20,000 reward points can be earned annually. Upon spending Rs. 4,00,000, you earn 4,000 reward points, and after that, you get 2,000 reward points for each Rs. 1,00,000 spent in an anniversary year.

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Axis Bank Rewards Credit Card

Owning the Axis Bank Rewards Credit Card will help you earn rewards every time you make a payment through the said card. This card is a great option for shopping enthusiasts with all its features and benefits, especially for shopping and dining. You receive 5,000 EDGE Reward Points as a welcome bonus, 1500 EDGE reward points when you spend ₹30,000 or more monthly, and membership benefits worth ₹1000 every card anniversary year. Insurance benefits, airport lounge access, and a fuel surcharge waiver are some of the benefits provided by this card. The features of the Axis Bank Rewards Credit Card are as follows:

• The annual fee of the Axis Bank Rewards Credit Card is Rs. 1,000 plus taxes which can be waived on spending Rs. 2 lakhs in the anniversary year.
• You’ll get 1,500 Edge Reward Points on spending over ₹30,000 every card statement cycle.
• As a milestone benefit, you can enjoy Membership Bouquets of up to ₹1000 every anniversary year.
• You will get an exclusive discount on Swiggy by using the “AXIS30” coupon code. When placing an order at a value of ₹200, you get a maximum discount of ₹150. The offer is available twice per month for the cardholder.
• Through the Dining Delights Program, you can avail of a 15% discount up to ₹500 at various partner restaurants across India.
• Cardholders get 2 complimentary domestic lounge access every quarter with the Rewards credit card upon spending Rs. 50,000 in a quarter to be eligible for free domestic lounge access in the next quarter.
• This card also provides a 1% fuel surcharge waiver and insurance coverage, making it more attractive to potential cardholders.

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HDFC Bank Regalia Gold Credit Card

One of the best credit cards designed for shopping, the HDFC Bank Regalia Gold Credit Card is the upgraded version of the Regalia card. This power-packed credit card offers exciting offers to cardholders such as welcome benefits, complimentary airport lounge access, insurance coverage, etc. This credit card is best suited for shopping where a person who spends Rs. 150 on Myntra, Nykaa, Reliance Digital, etc., will get 20 reward points. The card provides 5x reward points on purchases from partner brands and merchants, allowing users to accumulate rewards quickly. The features of the HDFC Bank Regalia Gold Credit Card are as follows:

• This card has an annual fee of Rs. 2,500, which can be waived if you spend Rs. 4 lakhs per year.
• As a welcome benefit, the cardholder will receive a voucher worth Rs. 2,500 upon successfully paying the joining fee. The offer also includes complimentary MMT Black Elite and Club Vistara Silver Tier membership upon spending Rs. 1 lakh within 90 days of card issuance.
• Cardholders gain access to domestic and international airport lounges, with 12 visits within India and 6 visits outside the country each year.
• The Regalia Gold credit card provides insurance coverage of Rs. 1 crore for accidental air death and Rs. 15 lakhs for emergency hospitalization.
• Another perk for Regalia Gold credit card holders is a low foreign currency markup of 2% on international transactions through this card.

BPCL SBI Card Octane

The upgraded version of the BPCL SBI Credit Card, the BPCL SBI Card Octane offers a 6.25% value back on fuel purchases made at Bharat Petroleum stations and 1% fuel surcharge waiver. Even though this card is best suited for fuel transactions, it provides other benefits such as airport lounge access, reward points on movie and dining spending, and a welcome benefit worth Rs. 1,500. Cardholders who prefer to fill fuel from the Bharat Petroleum stations should apply for this card for all the benefits and perks provided. The features of the BPCL SBI Card Octane are as follows:

• The joining and renewal fee of the BPCL Card Octane is Rs. 1,000 plus taxes which is waived on spending Rs. 2 lakhs in the previous year.
• This card offers better welcome benefits than the BPCL SBI Credit Card. It offers 600 bonus reward points worth Rs. 1,500.
• You get 4 complimentary domestic airport lounge visits annually (1 per quarter) as a travel benefit.
• Earn accelerated reward points at a 10x rate (10 reward points for every Rs. 100 spent) on dining bills at select restaurants up to 7500 reward points monthly.
• Get a 1% waiver on the fuel surcharge for fuel transactions made up to Rs. 4,000 at all petrol pumps across India waived at Rs. 100 per month.

Conclusion

The best offline credit card in India is one that matches the individual’s spending habits and provides cost-effective benefits. By conducting thorough research and comparing different options, consumers can make an informed decision and select a credit card that best suits their offline spending needs while reducing unnecessary expenses.

In conclusion, if you enjoy in-store shopping, the SBI SimplySave UPI RuPay Credit Card, ICICI Bank Sapphiro Credit Card, and Axis Bank Rewards Credit Card are excellent options to consider. From entry-level perks to premium benefits, these cards cater to various spending habits and offer rewards, cashback, and discounts for offline shopping. Choose the card that aligns with your preferences and make the most of your in-person shopping experiences.