Best Credit Cards for Offline Shopping with Cashback Rewards [2023]

Credit cards are a convenient payment method that not only offer security and fraud protection but also give cashback and reward points. However, with so many credit cards available in the market, it can be challenging to choose the right one that fits your needs.

If you’re looking for a card that offers a decent cashback on offline purchases, especially departmental store shopping, then you’re in the right place. In this article, we will discuss the best credit cards for offline shopping with cashback rewards.

• Axis Ace Credit Card

The Axis Ace Credit Card is an excellent option for those who frequently shop at departmental stores. This card offers a flat 2% cashback on all offline transactions, including departmental store purchases. Moreover, this card has no annual fees and comes with various other benefits like lounge access, fuel surcharge waiver, and more.

• SBI SimplySAVE Credit Card

The SBI SimplySAVE Credit Card is another great option for offline shopping, especially for those who love to shop at departmental stores. This card offers 10X reward points on all departmental store purchases, and every reward point is worth Rs. 0.25. Additionally, this card has no annual fees and offers other benefits like fuel surcharge waiver, e-gift vouchers, and more.

• IDFC First Bank Visa Signature Credit Card

The IDFC First Bank Visa Signature Debit Card is an excellent option for those who don’t want to spend too much on their credit cards. This card offers a 2.5% cashback on all offline transactions, including departmental store purchases, after spending Rs. 30,000 per month. Moreover, this card has no annual fees and offers various other benefits like lounge access, free movie tickets, and more.

Apply for IDFC First Bank Visa Signature Credit Card

• American Express Credit Cards

American Express Credit Cards are known for their excellent reward programs and cashback offers. These cards offer cashback on various categories, including offline purchases at departmental stores. Moreover, these cards come with various other benefits like lounge access, concierge services, free travel insurance, and more. However, American Express Credit Cards come with an annual fee, and some cards also have a minimum spend requirement.

In conclusion, if you’re looking for a credit card that offers a decent cashback on offline purchases, especially departmental store shopping, then you can consider the Axis Ace Credit Card, SBI SimplySAVE Credit Card, IDFC First Bank Visa Signature Debit Card, or American Express Credit Cards. Remember to choose the card that best fits your needs and spending habits.