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Cash Back Credit Cards: How to Get The Most Out of Them

best credit card in India
In: Business

Today, banks offer several ways for their customers to earn points and rewards when they use their credit cards. Eventually, these points can be redeemed as a cashback or reward. As cashback, you will usually receive a certain percentage of your purchase as a reward.

Every bank has a different rewards scheme or reward system for their customers. One can choose from several money-back credit cards on the market depending on their spending habits. Getting a credit card that fits your spending habits and lifestyle is the most important aspect of using a credit card wisely. If you shop online frequently, consider a money-back credit card that offers good online shopping benefits, such as cashback. Credit cards now offer cashback on spends as one of their most popular features.

Listed below are some of the best cashback credit cards in India

Bajaj Finserv RBL Bank SuperCard

This is a 4-in-1 card that gives cardholders the benefit of credit card, loan card, EMI card and cash card. The card’s best feature is the 5% cashback on down payment at any Bajaj Finserv Network partner store. Apart from this, you can also save up to Rs. 55,000 in annual savings and convert all your purchases of over Rs. 2,500 in easy EMIs. You can easily apply for this card if you have a regular source of income, fall between the age of 25 to 65 years, have a credit score of over 750 and are an Indian citizen.

Citibank Cashback credit card

Rather than waiting in long lines, do you prefer to pay your bills online? How often do you watch movies? A Citibank money-back credit card would be a wise decision if this is the case. People who wish to apply for the Citibank Cashback credit card need a solid credit history because the bank is strict on its applications.

Bajaj Finserv RBL Bank Platinum ShopDaily SuperCard

If you are an avid shopper, then this is the one card you should grab your hands on. You can enjoy a 5% cashback on grocery shopping, welcome rewards, and an additional milestone bonus. With this credit card, you can enjoy benefits on travel, leisure, fuel purchases and more.

American Express Membership Rewards credit card 

American Express offers its customers the Membership Rewards Credit Card, which can be used for various purchases. Due to the absence of a predefined credit limit, it is an excellent option for frequent spenders. Every time a transaction of Rs. 50 is made, the cardholder receives 1 reward point, except for spends on utility, fuel, insurance, and cash transactions. While this credit card has a higher annual fee than many others, it is a good option for high spenders.

Citibank Premier Miles Card

The Citibank Premier Miles Card is a card for frequent travellers. It is possible to find attractive offers on online shopping and a great deal on booking travel online. In addition, it is possible to access airport lounges both in the country and abroad. Travellers who spend more than 2 lakh per year on travel can qualify for this credit option. However, a high credit score is expected from customers.

Bajaj Finserv RBL Bank Platinum Choice Credit Card

There is no doubt that the Bajaj Finserv RBL Bank Platinum Choice credit card is one of the best credit cards in India one can obtain. This card offers rewards on online and regular expenses. In addition, you will also receive discounts from BookMyShow. Applying for this card requires a good credit score.

Final Thoughts

Before applying for a money-back credit card, make a list of all the best options. A good CIBIL score makes the entire card application process considerably easier. Credit cards come with hidden fees and taxes. Before applying for one, read all the terms and conditions. Always spend rationally and don’t overspend because you are responsible for all the costs incurred on your card. Stay secure by not disclosing your credit card information or pin to anyone.

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