There are many customers who do more offline spending in their life instead of online spending. Now if such customers use such credit cards which give negligible cashback or rewards points on offline spending, then such credit cards are of no use for them. Now if their offline spending is more than they should also use credit cards which provide them benefits on offline shopping also. Therefore in this article we will tell you about the Top Best Credit Cards for Offline Shopping and spending.
Friends, although we have posted many articles on the best credit cards, whether it is the best Forex Credit Cards or the Best HDFC and Axis Credit Cards, but none of these articles are specifically written targeting offline spending, therefore, in this article we will mention about some credit cards which are more affordable for offline spending users.
Best Credit Cards For Offline Shopping And Spending:
Here I am going to tell you about some of the credit cards that give you real cashback which gets credited in your statement and we will also know about some credit cards that provide you reward points on your offline spending, which you will be able to use only on some selected categories and merchants –
SBI Cashback Credit Card:
| Joining Fee | Rs. 999 |
| Annual Fee | Rs. 999 2nd year onward |
| Offline Spending Cashback | 1% |
| Eligibility | Indian resident You must be between 21-70 years of age Have a good credit score – preferably above 720 Stable and regular source of income Self-employed or salaried individual |
In this list, we keep SBI Cashback Credit Card first because this credit card has been popular since its launch and it is considered to be the best credit card for entry level users. Although recently SBI Bank has devalued some of the benefits in its own credit cards, but even after that this credit card provides you many features compared to other credit cards.
This credit card of SBI Bank is not only best for online shopping, this credit card provides you a cashback of 1% on offline spending and you can earn maximum cashback up to ₹ 5000 in 1 month. Now if we look at it, the capping of 1 month cashback is quite high but this capping is a combination of both online and offline spendings. But still, this can prove to be a good credit card for offline spending users.
But this cashback is not applicable in some of your categories which are as follows – Merchant EMI & Flexipay EMI, Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways etc. For full list of exclusions, refer https://www.sbicard.com/CashbackCardTnC
Axis Airtel Credit Card:
| Joining Fee | Rs.500/- |
| Annual Fee | Rs. 500 2nd year onward |
| Offline Spending Cashback | 1% |
| Eligibility | Indian resident You must be between 18-70 years of age Proof of income Self-employed or salaried individual |
Airtel Credit Card from Axis Bank is quite a super credit card in terms of cashback. Friends, now since Axis Bank has issued this credit card by tie-up with Airtel, hence in this credit card you get 25% cashback on transactions related to all products and services related to Airtel, which is really amazing. Apart from this, you also get 10% cashback on your utility bills like Gas, Electricity etc. on this credit card, which you rarely get to see in any credit card.
Now, apart from all the categories mentioned above, you get 1% cashback on all other online and offline spending which is directly credited to your statement. But in this credit card too, there is a capping on your cashback which is ₹ 500 in 1 month. No matter whether you earn cashback in any of the categories mentioned above, by combining the cashbacks of all these, you can earn a maximum cashback of only ₹500 in a month.
Apart from this, cashback is not applicable in some categories of this credit card also. These categories are as follows:
- Fuel Spends
- EMI transactions
- Purchases converted to EMI post facto
- Wallet loading transactions
- Purchase of Jewellery items
- cash advances
- Payment of outstanding balances
- Payment of card fees and other card charges
- Rental Payments
Bank of Baroda Snapdeal Credit Card:
| Joining Fee | Rs.249 |
| Annual Fee | Rs. 249 |
| Offline Spending Cashback | 1% |
| Eligibility | Indian resident You must be between 21-65 years of age Salaried person annual income >= ₹3.6 Lakh Self-employed segment>= ₹ 4.8 Lakh |
Friends, this Snapdeal Credit Card of Bank of Baroda is also considered very good for offline spending. Now, since this credit card has also been launched by Bank of Baroda by tie-up with Snapdeal, you will get more benefits on doing transactions on this credit card through Snapdeal. Therefore, if you make any purchase on Snapdeal’s website or app with this credit card, you get 5% unlimited cashback directly there. In this you get 20 reward points for every ₹100 in which 1 RP = 0.25 Paise.
Apart from this, you get 10 reward points for every ₹100 on all online spends. You get 4 reward points for every ₹100 on all offline spends. Now their 1 reward point is equal to 0.25 Paise, hence these four reward points are equal to ₹1. Now getting ₹1 cashback on ₹100 means that here also we get only 1% cashback. But here you get this 1% cashback unlimited, there is no capping of any kind on this. In this, you get to see capping only on online spends in which you can earn maximum 2000 reward points in a month.
Now, this credit card becomes better than all the credit cards mentioned above because even in all those credit cards you get only 1% cashback on offline spends and in this credit card also you get only 1% cashback on offline spends, but the joining and annual fees of this credit card are much less than those credit cards.
Axis Flipkart Credit Card:
| Joining Fee | Rs.500 |
| Annual Fee | Rs. 500 2nd Year Onwards |
| Offline Spending Cashback | 1.5% |
| Eligibility | Indian or Non-Indian resident You must be between 18-70 years of age Proof Of Income Copy of ITR |
You must have heard the name of this Flipkart Credit Card of Axis Bank because it is a very well-known name in the world of credit cards. Friends, now Axis Bank has also launched this credit card by tying up with Flipkart, so you will get to see more offers and benefits on this credit card on Flipkart. Therefore, if you purchase anything on Flipkart with this credit card, you get a direct cashback of 5% on it. Apart from this you get 4% cashback at some of their preferred merchants.
Now apart from all this, you get 1.5% cashback on all offline spends, which is the highest cashback till date on offline spending. And this cashback gets credited directly in your statement. Like all other credit cards, in this credit card too you do not get cashback in some categories, these categories are as follows –
- fuel expenses
- purchase of gift cards on Flipkart & Myntra
- EMI transactions
- purchases converted to EMI post-facto
- wallet loading transactions
- purchase of jewelry items
- insurance services
- utilities
- educational services
- payments towards government services
- cash advances
- rental payments
- payment of outstanding balances
- payment of card fees and other card charges
Axis Ace Credit Card:
| Joining Fee | Rs.499 |
| Annual Fee | Rs. 499 2nd Year Onwards |
| Offline Spending Cashback | 2% |
| Eligibility | Indian resident You must be between 18-70 years of age Proof Of Income Copy of ITR |
Friends, this Ace credit card of Axis Bank is considered best for offline spending because in this credit card, apart from offline spending, you get good cashback in many categories. This credit card provides you 5% cashback on your bill payments like Electricity Bill, Water Bill, Gas, and Internet etc. Along with this, if you purchase anything from Swiggy, Zomato & Ola with this credit card, you get 4% cashback.
Now you get 2% cashback on all your offline spending which is quite amazing. Now, like all credit cards, you get to see capping on cashback in this credit card too, but this capping is imposed only on 5% cashback and 4% cashback categories, which is a maximum cashback of ₹ 500 in a month. But as of now, there is no capping of any kind on the 2% cashback you get on offline spending.
Even on this credit card, you do not get this cashback in some categories –
- fuel expenses
- EMI transactions
- purchases converted to EMI post-facto
- wallet loading transactions
- purchase of jewelry items
- insurance services
- educational services
- payments towards government services
- cash advances
- rental payments
- payment of outstanding balances
- payment of card fees and other card charges
One big problem that you have seen with this credit card is that you do not get this credit card easily. Technical issues have been encountered several times while applying for this credit card from the website but this is a temporary issue which will probably be resolved by Axis Bank soon. But if you use Google Pay, then offers to apply for this credit card keep appearing there from where you can easily apply it.
On the credit cards that we have mentioned in this article, you get much better cashback and reward points on offline spending than other credit cards. With the passage of time, we will keep updating all the new credit cards that provide good cashback on offline spending. But if you still feel that some credit card is providing good benefits on offline spending and we have not included it in this list, then please let us know about it in the comment section. If you find this article helpful then do share it.