If you’re planning to purchase an electronic gadget soon, make sure to leverage your credit card benefits. Some cards offer excellent cashback and rewards specifically for gadget purchases. Here’s a breakdown of the best credit cards for gadget enthusiasts and key tips to choose the right one:
Top Credit Cards for Gadget Lovers
1. Amazon Pay ICICI Credit Card
- For Prime Members: 5% cashback on Amazon purchases.
- For Non-Prime Members: 3% cashback.
- Amazon Pay Perks: 2% cashback on payments to 100+ partner merchants.
- Fees: ₹0 joining and annual fees.
Apply Now : Amazon Pay ICICI Credit Card
2. SBI Cashback Credit Card
- Cashback: 5% on all online spends.
- Joining Fee: ₹999 (waived on ₹2L annual spend).
- Cashback Credited: Auto-credited within 2 days post-statement.
Apply Now : SBI Cashback Credit Card
3. HDFC Bank Millennia Credit Card
- Cashback: 5% on Amazon, Flipkart, Myntra & more; 1% on other categories.
- Fee: ₹1,000 (+ taxes), with ₹1,000 gift vouchers on ₹1L+ spends per quarter.
Apply Now : HDFC Bank Millennia Credit Card
4. Flipkart Axis Bank Credit Card
- Cashback: 5% on Flipkart; 4% on Swiggy, PVR, CultFit, Uber.
- Fee: ₹500 (waived on ₹3.5L annual spend).
Apply Now : Flipkart Axis Bank Credit Card
5. Axis Bank ACE Credit Card
- Cashback: 5% on bill payments/recharges via Google Pay; 4% on Swiggy, Ola, Zomato; 1.5% on other spends.
- Fee: ₹499 (waived on ₹2L annual spend).
Apply Now : Axis Bank ACE Credit Card
Key Tips for Choosing the Right Card
1. Spending Habits
Select a card aligned with your preferred shopping platforms to maximize cashback and rewards.
2. Fees
Check joining/annual fees and whether they can be waived off based on spending thresholds.
3. Credit Limit
Ensure the card offers a sufficient limit for high-value gadget purchases.
4. EMI Options
Look for cards with easy EMI conversions for a smoother purchase experience.