Finding the ideal credit card has grown to be a crucial task in a world where financial choices have a significant impact on our lives. Enter the world of cash back credit cards, a form of money magic that enables you to make money as you spend. You are about to learn the secrets of the finest cash back credit cards if you want to make your purchases work for you.
Here are some of the best cash back credit cards.
Cashback SBI Card:
Best cashback credit card for online shopping.
Annual Fee: Rs. 999
Key Features:
- Online purchases earn 5% cashback.
- All offline sales and utility bill payments receive a flat 1% reward.
- (Subject to one visit each quarter) Four complimentary domestic airport lounge visits per year.
- Reversal of annual fees after spending Rs. 2 lakh annually.
Axis Bank ACE Credit Card:
Best cashback credit card for utilities and food orders.
Annual Fee: Rs. 499
You can check more about Axis Bank ACE Credit Card here.
Key Features:
- Google Pay offers 5% cashback on recharges and bill payments.
- 4% each for Ola, Swiggy, and Zomato.
- All other purchases earn 2% cashback.
- 4 free visits to lounges each year at particular domestic airports.
- At all petrol stations, there is no 1% fuel surcharge.
- 20% off at the more than 4000 partner restaurants.
Axis Bank Credit Card from Flipkart:
Best cashback credit card with co-branded benefits
Annual Fee: Rs. 500
You can check more about Flipkart Axis Bank credit card here.
Key Features:
- Myntra and Flipkart both offer 5% cashback.
- Shopping at approved merchants earns 4% cashback.
- Cashback in all other categories is 1.5 percent.
- A total of four free domestic lounge visits per year.
- Waiver of the 1% fuel cost up to Rs. 500 per month.
- Welcome gifts in the amount of Rs.1,100.
Amazon Pay ICICI Credit Card:
Best cashback credit card with co-branded benefits.
Annual Fee: Nil.
You can check more about Amazon Pay ICICI Credit Card in here.
Key Features:
- For Prime members, Amazon offers 5% cashback.
- Amazon offers non-Prime customers 3% cash back.
- Over 100 partner merchants receive 2% cashback.
- 1% cashback is offered on all other purchases.
HDFC Millennia Credit Card:
Best cashback credit card with benefits across multiple categories
Annual Fee: Rs. 1,000.
You can check more about HDFC Millennia Credit Card in here.
Key Features:
- Amazon, Cult.fit, BookMyShow, Sony LIV, Flipkart, Myntra, Swiggy, Tata CLiQ, Zomato, and Uber all offer 5% cashback on these websites.
- 1% cashback on wallet reloads and offline purchases.
- Cash Points, which represent the cashback, will be earned.
- 8 free visits per year to domestic lounges.
Airtel Axis Bank Credit Card:
Best cashback credit card for utility spends & Airtel customers
Annual Fee: Rs. 500
You can check more about Airtel Axis Bank Credit Card in here.
Key Features:
- 25% cashback is offered on Airtel mobile, broadband, WiFi, and DTH bill payments made using the Airtel Thanks app.
- 10% cashback on purchases made using the Airtel Thanks app on Zomato, Swiggy, Bigbasket, and utility bills for gas, electricity, etc.
- limitless 1% cashback on all other purchases.
- Direct credit for cashback is made to the credit card statement.
- Save up to 20% at participating restaurants.
Conclusion:
Credit cards with cash back are more than just pieces of plastic; they’re instruments that let you make money off of the things you already buy. Your daily transactions will take on a magical quality if you are aware of your financial objectives, examine your spending patterns, and select the correct credit card. Always keep in mind that the greatest cash back credit card is the one that fits your lifestyle and supports your financial goals. Happy moneymaking!
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| Which Credit Card Is Best In HDFC? |
I am a engineering student studying at Nimra college of engineering and technology(NCET)