Credit Card to Bank transfer

Best online shopping credit card – 2021

1.  ICICI Amazon Pay Credit Card

Credit Card to Bank transfer

  • Annual Fees – NIL
  • Potential Annual Savings
    • Savings of Rs. 3000 by just spending 60,000 on Amazon (60000*5/100)% Savings- 5% (3000/60000*100)
    • Saving of Rs. 5000 on annual online expenses of Rs. 1 Lakh (100,000*5/100)% Savings- 5% (5000/100000*100)
    • 15% savings on dining bills at over 2,500 restaurants across India through Culinary Treats Programme.
  • Benefits of Amazon Pay Credit Card
    • 5% cash back for Amazon Prime customers
    • 3% cashback for non-prime customers
    • No cap on cashback, minimum transaction- Rs. 3000
    • Earn 2% back on 100+ Amazon Pay partner merchants by using this card on Amazon Pay *
    • 1% cashback on all other payments
    • 1% fuel surcharge waiver
  • Amazon Pay ICICI Bank Credit Card Benefits:
    • No joining fee or annual fee
    • No limit to the earnings from this card
    • No expiry date for your earnings
    • Earnings can be used for purchasing 10 crore+ products at and at 100+ partner merchants.

2.  Axis Bank Buzz Credit Card

Credit Card to Bank transfer

  • Annual Fee –Rs 750 (you will get a Flipkart voucher worth Rs. 1000 as a welcome gift).
  • Potential Annual Savings
    • Savings of Rs. 6860 by just spending 60,000 online (60000/200*6*0.20 +1500+500*10)
    • Savings- 11.43% (6860/60000*100)
    • Saving of Rs. 12,800 on annual online expenses of Rs. 1 Lakh (100,000/200*6*0.20+5000+600*12)
    • Savings- 12.8% (12800/100000*100)
  • Reward Ratio & Redemption
    • 2 reward point on every Rs. 200 spent
    • 3X reward point for online shopping
    • Each reward point is worth Re. 0.20
    • Redeem rewards points through Axis Edge Rewards Program
  • Key Benefits
    • 10% instant discount from 1 to 5th of every month on Flipkart
    • Get a 5% instant discount from 6 to 31st of every month on Flipkart
    • 15% discount at partner restaurants 

3.  HDFC Snapdeal Credit Card

Credit Card to Bank transfer

  • Annual Fee – 500 (spend Rs. 1,50,000 in a year and get next year fee waiver)
  • Welcome Benefits
    • You will get a Snapdeal voucher worth Rs. 2000 and 500 reward points as a welcome gift.
    • Get a welcome benefit of Rs 500 Cash Back for the first transaction on Snapdeal.
    • Earn 500 reward points as a welcome gift.
    • Get snapdeal vouchers of Rs 2000 as a welcome benefit within a period of 30 days from the date of issue of the card.
  • Potential Annual Savings
    • Savings of Rs. 5000 by just spending 60,000 online (60000/150*20*0.25 +60000*5/100)
    • Savings- 8.33% (5000/60000*100)
    • Saving of Rs. 8333 on annual online expenses of Rs. 1 Lakh (100,000/150*20*0.25+100000*5/100)
    • Savings- 8.33% (8333/100000*100)
  • Reward Ratio & Redemption
    • Earn 20 Reward Points per Rs 150 on spend on Snapdeal.
    • 10X reward point for shopping on Snapdeal and purchases through SmartBUY
    • Each reward point is worth Re. 0.25
    • Redeem rewards points for
      • Products at HDFC MyRewards catalog
      • Purchasing Snapdeal vouchers
  • Key Benefits
    • 1% fuel surcharge waiver
    • Free accidental death insurance up to Rs. 50 lacs
    • Fire and burglary protection (goods above Rs. 5000 for 180 days)
    • Earn a flat 5% discount on purchases made through the snap deal web portal with the credit card.
    • Earn additional 10X reward points – Get 20 reward points on spending Rs 150 on the snap deal website.
    • Get a 5% instant discount for every transaction of Rs 2000 or more on Snapdeal.
    • The cardholder can earn 10X reward points on shopping using the credit card and on purchases through Smartbuy. 

4.  Millennia Credit Card HDFC

Credit Card to Bank transfer

  • Annual Fee
    • Rs 1000+GST
    • Renewal fee- Rs 1000+GST
    • Finance charge- 3.49% per month
    • Cash advance fee- 2.5% of the amount withdrawn
    • Over-limit charges- 2.5% of the over-limit amount
    • Reissue of the card in case of lost or stolen- Rs 100
    • Cash processing fee- Rs 100
    • Balance transfer fee- 1% of the balance transfer amount
  • Card Type
    • Rewards
    • Shopping & Cashback
    • LifeStyle
    • Low fee
  • Key Benefits
    • 1,000 cash points as a welcome benefit
    • 5% Cashback on Flipkart & Amazon
    • 5% Cashback on Flight & Hotel bookings if payment is done through PayZapp or SmartBuy
    • 2.5% Cashback on online spends
    • 1% Cashback on all offline transactions
    • 8 free domestic airport lounge visits
    • Rs. 1,000 gift voucher on spending Rs. 1.00 lakh in a calendar quarter in the first year
    • Membership and renewal fee waiver
  • Welcome Benefits: Cashback and Gift Voucher
    • 1,000 Cash Points (Reward Points) on payment of the membership fee
    • Rs. 1,000 gift voucher on spending at least Rs. 1.00 lakh in a quarter (Valid during the first year only)
    • For the first six months, earn up to Rs. 1,000 per month as cashback via PayZapp and SmartBuy (Maximum Monthly Cashback Limit will be Rs. 750 after 6 months)

5.  Paytm First Credit Card

Credit Card to Bank transfer

  • Joining fee – 500+GST (charged at the end of the year, waived on Rs.50k spend)
  • Card Type – Works on Visa Platform, contactless-enabled. International acceptance, unlike Paytm Rupay debit card
  • Rewards – 1% Cashback on all spending, no upper cap.
  • Type of Reward system – as direct cashback to statement (not to a wallet), auto-credited every month.
  • Other Benefits – Paytm promo codes worth Rs. 10,000 on spending a minimum of Rs. 10,000 in the first 4 months
  • Welcome Benefits
    • Enjoy ₹1000 Cashback as the welcome benefits on your credit card.
    • Terms and Conditions
    • You have to reach the transaction limit of ₹5000 within 30 days of card issuance in order to enjoy the cashback.
  • Cashback Benefits
    • Enjoy 1% Cashback on the whole amount of your monthly statement.
    • Terms and Conditions
    • The cashback will be credited after the monthly statement is generated and the amount will be adjusted automatically
  • Enjoy the Membership of Paytm First
    • The Paytm First Subscription includes a lot of offers and discounts. You’ll get the membership for free on this credit card.
    • Get a yearly Cashback of up to ₹360 on adding more than ₹500 into the Paytm wallet every month.
    • Get a Free membership of the Zomato Gold for 3 Months.
    • Enjoy a Discount of 10% on all Ubergo and Uber Premier Rides.
    • Get Eros Now Subscription free for 12 months.
    • Enjoy Big Basket Subscription for free for 6 months.
    • Eat 4 in 1 Combo meal at the Burger King for just ₹139.
    • Flat ₹1000 off on the MRP on Puma Shoes.
    • Flat 20% Off on the Self Drive Zoomcar.
    • Enjoy a discount of ₹20 on 5 Rapido Rides every month.
    • Get a Gift Voucher of ₹500 from FabHotels
  • Offers on Dinning and Movies
    • Get a Discount of 15% at all the partnered restaurants of the Citi Bank.
    • Get 2 Movie Tickets at the price of one ticket and save up to ₹300.
  • Terms and Conditions
    • The movie offer is valid up to 28th February 2020.
    • Movie Ticket Bookings are only allowed on Fridays.
    • Use the Promo Code CITIFRIDAY to enjoy the movie offers.
  • Lifestyle Benefits
    • Enjoy Exciting Offers on Reliance Digital through Paytm First Credit Card.
    • Get exclusive offers on Zomato and enjoy dining privileges.
    • Purchase Groceries from Big Basket and enjoy amazing Offers.


We give details according to specific bank data. But remember before going to pick up anyone’s Credit card must visit the respective Bank’s website. Check the details of the card like Fees, Interest rate, Rewards, etc. because it maybe changes. Hence you need to be aware of the changes happening in most out of your credit cards.

The information and services included on this Web site may include discrepancies. Paidkiya will not be liable/responsible for any decision that you may take based on such inaccurate information. Changes are periodically added to Bank’s websites.