A Guide On How To Compare Offers & Shop Smartly Online

15^th Mar 2025...

Shopping online has become so common now. You can buy almost anything from the comfort of your home. Plus, there are always lots of offers and discounts to entice. But just because something looks like a good deal doesn’t mean it really is.

To make sure you’re spending your money wisely, it’s important to take your time, compare options and understand what you’re getting. Let’s look at some simple ways to choose the best deals and shop smartly online.

Compare before buying

In India, online shopping platforms often offer so many deals that it’s easy to get excited and buy quickly. However, the same product can have different prices on different websites. By taking a little extra time to compare, you can save hundreds, if not thousands, of rupees.

How to do it?

Visit multiple websites or apps to see the price differences for the product you’re eyeing. Use price comparison to simplify the process. Always check for additional costs like delivery fees, which might make an offer less attractive. Reviews and ratings on different platforms can also give you a clearer picture of the product. By weighing the pros and cons, you will find the best deal.

Check for special discounts

Online stores in India are known for their big festive sales, cashback offers and special bank partnerships. Deals often look great at first glance, but if you dig deeper, you’ll find ways to save even more. Brands also roll out exclusive app-only discounts and card-specific offers.

How to do it?

Watch out for festivals like Diwali, New Year or Independence Day sales where online platforms slash prices. Use credit or debit cards from partner banks to unlock extra discounts or cashback. Always check the “Offers” section on the product page and stack any available promo codes or coupons. Keep in mind that some discounts are limited to certain payment methods, so choosing the right one matters.

Pay smartly

The way you pay can directly impact how much you save. Many shoppers miss out on benefits like cashback, reward points or no-cost EMIs because they don’t choose the right payment method. Whether it’s paying via UPI, e-wallets or credit cards, each option can bring its own perks.

How to do it?

When buying something expensive, look for no-cost EMI offers to spread out your payments without paying extra. Many banks partner with brands and platforms to offer additional cashback or instant discounts when you use their credit or debit cards. You can also get wallet cashback or vouchers for future use. Always check the payment options carefully to pick the one that gives you the most value.

Analyse your spending behaviour

With all the tempting sales and offers in India, it’s easy to overspend. Many shoppers find themselves buying things they don’t need just because they’re on sale. Understanding your spending habits can help you avoid unnecessary purchases and focus on what’s important.

How to do it?

Track your spending by maintaining a record of your online purchases, either through an app or a simple notebook. Notice patterns, such as buying impulsively during sales or splurging on categories like fashion or electronics.

Set a budget before browsing and stick to it. Use shopping lists to ensure you only buy what you really need. By staying aware of your habits, you’ll make smarter and more intentional purchases.

Shop smartly with the right kind of cards

When it comes to shopping, choosing the right card can make a big difference. Whether it’s a credit card offering cashback and reward points or a debit card that gives you access to exclusive discounts, using the right payment method can help you save more on every purchase.

Cards simplify payments and open doors to benefits like no-cost EMIs, festive cashback offers and even additional rewards for shopping on specific platforms.

If you need to shop right, there’s nothing better than Kotak 811 cards. Be it credit or debit, we’re here to make your shopping experience smarter and more rewarding with unmatched offers, flexibility and convenience. Shop wisely, shop confidently, with Kotak811 by your side.

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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.