In India, the majority of people prefer to use their debit cards or their digital wallets to make payments. While digital wallets may provide some cashback, debit cards have no such offers or rewards.
To the contrary, the number of individuals paying for their online purchases using credit cards is considerably low. However, a credit card can deliver more rewards than debit cards and digital wallets combined.
● You get reward points which you can redeem for discounts and offers to make your future purchases affordable.
Credit cards like the Bajaj Finserv RBL Bank SuperCard give you 2 reward points for every Rs. 100 that you spend online.
● Cashbacks lower your card bill per month.
● You can earn vouchers when you opt for the card or after making a specific amount of purchase.
● Lastly, you enjoy instant discounts provided when you shop with your card.
All of these make online shopping more fruitful. But, earning them may seem troublesome if you have never used credit cards to pay for online purchases.
So, follow these steps to easily pay for your purchases online using your card after you have added the product to your cart:
Step 1. Select your delivery address
Select the address where you want to have the product delivered. You can select from the saved addresses or add a new one.
Step 2. Check the order summary
Next, you will get to see the order summary. Make sure everything is in place, and the delivery address is correct. Take a look at the size and ensure it is the right one if you are ordering clothing or accessories.
Step 3. Choose a payment option
After completing the above step, you will be asked to select a payment mode. Click on the “credit card” option.
Step 4. Enter card details
Then, enter your card details like:
● Name on the card
● Card number
● Expiry year and month.
Hit the “Pay” or “Continue” button.
Step 5. Enter OTP
An OTP or one-time password will be sent to your registered phone number linked with your card. Enter that OTP and click on the “Continue” or “Submit” button.
Your payment will be processed, and a “Payment Successful” or similar message shall appear on your screen. Take a look at the order placed by heading over to “My orders” section.
These are the 5 simple steps to make online purchases with credit cards.
Considering the following points will keep you safe when shopping online.
1. Ensure the website is secure
Make sure that the website’s URL in which you are shopping from begins with “https”. The “s” at the end is critical and denotes that website to be “Secure”.
Refrain from entering your personal card details on websites that begin with “http”. Same goes for business credit cards as well.
2. Try not to shop using a public Wi-Fi
Public Wi-Fi networks are not protected by a password. Some of these networks may require you to provide an OTP, but they are still public.
As these are unprotected, the Wi-Fi connections have a large number of users, some of who may be online scammers. They can breach your computer or smartphone and steal your data.
Hence, refrain from providing your card details anywhere when using a public W-Fi network.
3. Install an internet security software
An internet security software is different from an antivirus software. While an antivirus protects your computer from viruses, internet security software keeps you safe when you are online.
This software protects you from spyware, spam, phishing, and also from potentially suspicious websites.
Additionally, check out these two additional points:
I. Always check your monthly statement carefully
Check your monthly statement to make sure it does not have any unauthorised transaction. Contact the company if you see the same.
II. Go for a card with added security features
Apply for credit card that comes with added security features. For example, the Bajaj Finserv RBL Bank SuperCard has ‘zero-fraud liability cover’ and ‘in-hand security’.
You can also get pre-approved offers when applying for these cards from the NBFC. Pre-approved offers save you time when availing financing. These offers come with secured loans (home loans) and unsecured loans (business loans and personal loans) besides other financial services as well. Provide a few essential details to check your pre-approved offers online.
Following the above guide can easily help you use a credit card online for making payments, and that too, safely.
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