Best Cashback Credit Card- Cashback credit cards may be the answer you’ve been seeking for if you’ve been wondering how to save money on regular spending. These cards, which are well-known for their efficiency and simplicity, provide a clear return on your expenditures. You will receive cashback for each credit card purchase you make, representing a portion of the total amount you paid.
But there are many different types of cashback cards. While some credit cards provide a fixed payback rate for all transactions, others give a greater percentage for particular purchases or categories. Credit card holders may take advantage of several advantages. Among these, offering cashback to clients is usually the most effective approach to thank them. Using cashbacks is easy, quick, and convenient.
Best Cashback Credit Card
Credit card usage is popular everywhere since it makes it possible to use reward points for any kind of purchase, just like you would with actual cash. Here is a list of the top credit cards with cashback that are available right now in India. Whether you shop online or at the grocery store, you may get cash back on your purchases with the appropriate credit card. You should be aware that the HSBC Smart Credit Card, HDFC, and Flipkart Axis Cashback Bank Credit cards are the top credit cards utilised in India up to this point.
Keep checking back to learn about the advantages, costs, pros, disadvantages, and much more! Getting cashback on your purchases is a fantastic way to earn incentives. In India, a large number of banks provide credit cards with generous cashback incentives. If you utilise these reward credit cards wisely, they can help lower the yearly maintenance costs associated with your card.
Best Cashback Credit Card Details
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Best Cashback Credit Cards in India for November 2023
| Credit Card | Best For | Annual Fee |
| Cashback SBI Card | Online Shopping | Rs. 999 |
| Axis Bank ACE Credit Card | Utilities and Food Orders | Rs. 499 |
| Flipkart Axis Bank Credit Card | Co-branded Benefits | Rs. 500 |
| Amazon Pay ICICI Credit Card | Online Shopping | Nil |
| HDFC Millennia Credit Card | Benefits across Multiple Categories | Rs. 1,000 |
| Airtel Axis Bank Credit Card | Utility Bill Payments | Rs. 500 |
| Paytm SBI SELECT Credit Card | Travel and Shopping | Rs. 1,499 |
| Standard Chartered Smart Credit Card | Online Spends | Rs. 499 |
| YES Prosperity Cashback Plus Credit Card | Bill Payments | Rs. 1,499 |
| Swiggy HDFC Bank Credit Card | Co-branded Benefits | Rs. 500 |
HSBC Smart Value Credit Card
The best reward credit card available in India is the HSBC reward credit card, ideal for people who would like not to be associated with a certain online merchant. You get 1.5% back on all online purchases, so you don’t have to worry about upper limits.
- Receive 10% back on all purchases with five minimum transactions that come to a minimum of Rs. 5,000.
- Free 2,000 Cleartrip gift card and a 250 Amazon gift card when you make your first purchase For every 100 rupees spent, earn 1 reward point.
- Earn three times as many reward points for all of your purchases, meals, and other online activities.
- The cardholder is eligible for a Rs. 200 BookMyShow coupon after spending Rs. 15,000.
- Get a monthly savings of Rs. 250 on fuel surcharges at any petrol station in India.
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Which Indian payment app gives more cashback?
Google Pay is renowned for being one of the top UPI apps due to its cashback feature on every transaction. However, other UPI apps such as PhonePe and Paytm are also highly regarded. When choosing a UPI app, it is essential to consider factors like ease of use, security, and the availability of features that meet your needs. Additionally, some apps offer exclusive deals and discounts that can save you money in the long run. It’s worth exploring different options before making a final decision on which app to use.
Flipkart Axis Bank Credit Card
Cashback is available on a number of online and offline transactions made with the Flipkart Axis Bank Credit Card. These purchases include 5% on Flipkart, 4% on Swiggy, Uber, PVR, Curefit, Cleartrip, Tata Sky, and Tata 1MG.
- 5% cashback is offered on Flipkart.
- Preferred retailers including Cure.fit, MakeMyTrip, PVR, and Uber are eligible for 4% cashback.
- This card falls under three categories: travel, retail, and leisure.
- With this card, you may take advantage of welcome perks worth Rs. 1000.
ICICI Bank Platinum Chip Credit Card
Inbuilt contactless technology for safe and speedy purchases Reward points that can be redeemed for fun presents and coupons.
- All Indian petrol stations waive the fuel surcharge of 15% at least off while dining at certain establishments Get 10% off at Flipkart right now.
- Get much more discount by availing this card.
- This card is suitable for technological discounts.
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Standard Chartered Manhattan Platinum Credit Card
The Standard Chartered Manhattan Platinum Credit Card is perfect for you if you frequently overspend on entertainment and other major expenses. It is well-known for its user entertainment features and cashback.
- 5% rebate is being offered by supermarkets.
- Benefit from a variety of offers and savings on eating, shopping, travel, and other activities.
- Not as upscale as comparable goods
- Reward point redemption values are inconsistent and of low quality.
- For each rupee you spend, you will receive one reward point.
- Get a Rs. 2000 movie coupon from Bookmyshow on your first purchase.
What are the 4 biggest credit cards?
In the U.S., there are four major credit card companies that dominate the market: Visa, Mastercard, American Express, and Discover. Visa and Mastercard are globally recognized as the most widely accepted card networks. On the other hand, American Express and Discover not only function as card networks but also act as issuers by extending credit to applicants.
Visa and Mastercard have a larger share of the market due to their widespread acceptance across different countries. They are accepted in more locations than American Express and Discover, making them preferred choices for international travel. However, American Express and Discover offer unique benefits such as cashback rewards programs and exclusive access to events.
When choosing a credit card company, it is important to consider factors such as interest rates, annual fees, rewards programs, and customer service. Each company offers different benefits and features that cater to different needs and preferences. It is also essential to manage credit responsibly by paying bills on time and avoiding carrying high balances to maintain a good credit score.
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Which back credit card is good?
| Policy Name | Forbes Advisor India Rating | Key Feature |
|---|---|---|
| Axis Bank ACE Credit Card | 5.0 | Cashback on the utility bills. |
| Cashback SBI Card | 5.0 | Cashback on online spends. |
| Dhanlaxmi Bank Platinum Credit Card | 5.0 | Cashback on purchases from supermarkets. |
| Airtel Axis Bank Credit Card | 4.0 | Cashback on the utility bills. |
Benefits of Cashback Credit Cards
If you wish to use your credit cards less, cashback cards can be the best option.
With these cards, you may spend the cashback you receive for both your account balance and the amount on your bill. Cashback is earned on every transaction you make.
The following are some of the reasons you should consider obtaining a cashback credit card:
- Using a credit card that offers cashback on purchases can result in savings of up to 20% or more.
- You save money almost every time you spend it.
- In contrast to reward points, which are added to your account instantaneously, redeeming cashback is very easy and hassle-free.
- Additionally, you are free to spend your earned cash back wherever you like.
- In addition, cashback credit cards may include benefits related to insurance, fuel surcharge waivers, golf privileges, spend-based waivers of yearly and/or membership fees, etc.
Which credit card has highest return?
| No. | Credit Card | Max. Reward Rate |
|---|---|---|
| 1 | Amex MRCC | ~5% |
| 2 | SBI Cashback Card | 5% |
| 3 | IDFC First Wealth | ~2.5% |
| 4 | Amex Gold Charge | 1% – 4% |
Which card is best Axis or HDFC?
When it comes to premium credit cards, HDFC Infinia and Axis Magnus are two of the top options on the market. HDFC Infinia has an advantage over Axis Magnus in terms of card activation benefits, as it offers practical utilization of the points and surpasses fee charges. However, for high spenders who frequently make purchases in general everyday categories, Axis Magnus may be a better option due to its incremental rewards structure. Ultimately, choosing between these two credit cards depends on your spending habits and personal preferences. It is important to carefully consider the benefits and fees associated with each card before making a decision.
Conclusion
Choosing the best cashback credit card can be a game-changer for your finances. With so many options available, it’s important to consider factors such as earning rates, redemption options, and additional perks. One top contender in this category is the XYZ Cashback Credit Card. With its generous cashback rewards program, cardholders can earn a percentage of their purchases back in the form of cash or statement credits. The XYZ Cashback Credit Card also offers bonus cashback categories that rotate throughout the year, allowing you to maximize your rewards in different spending areas. Furthermore, this card provides valuable benefits like travel insurance and purchase protection. When it comes to finding the best cashback credit card, the XYZ Cashback Credit Card stands out for its competitive rewards program and additional perks that can help you make the most of your everyday spending.
Best Cashback Credit Card FAQ’S
Which is better- cashback or rewards?
Both cashback and rewards operate on the same principle: they serve as a simple inducement to use your card. The added step of first accruing reward points and then redeeming them later makes reward points more complex to understand and handle than money. You may exchange reward points for cash with some cards, but the exchange rate might not be the same. However, if you travel frequently, there are rewards credit cards that let you convert rewards points into miles, which may be a better option than cashback. Thus, you have to decide based on what you require.
Is a cashback credit card worth it?
Any credit card would only be worthwhile if the yearly cost was at least somewhat offset by the perks you received. Even if you don't charge every expense with your cashback card, you should still be able to benefit from it because the most of them have cheap annual fees. That being said, you should always pay your payments on schedule to avoid having your benefits reduced by additional costs.
How to maximize cashback on your credit card?
Using your cashback credit card for bonus category spending is the simplest method to get the most out of it. To maximise the rewards, you must charge your gasoline costs to your cashback credit card, for instance, if it gives fuel perks.
I already have a rewards credit card. Should I get a cashback credit card too?
If a certain category of purchases is not covered by your rewards card, you might want to acquire a cashback credit card. Obtaining a low- or no-annual-fee cashback credit card does not harm you, even if you are content with current rewards credit card.
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