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Maximize Your Rewards: Top Cashback Credit Cards in India

Best Cashback Credit Cards

Are you looking for a credit card that offers exceptional cashback rewards? Your quest ends here! We have meticulously curated a selection of highly sought-after credit cards from leading banks in India, each presenting enticing cashback benefits. Before deciding, it is essential to evaluate the cashback options available for both online and offline merchants and the duration required for the cashback amount to be credited to your credit account.

Key Considerations:

1. Cashback percentage
2. Merchant-specific restrictions
3. Online and offline expenditure
4. Cashback processing time
5. Supplementary perks and rewards

Top Credit Cards with Lucrative Cashback Offers:

1. Cashback SBI Card

– 5% cashback on online transactions
– 1% cash back on offline purchases
– Cashback automatically credited to your SBI Card account within 2 working days

2. Amazon Pay ICICI Credit Card

– Earn reward points equivalent to Re 1 (credited as Amazon Pay Balance)
– No restrictions on merchants

3. Standard Chartered Cash Back Credit Card

– 5% cashback on fuel, phone bills, and utility payments
– 5% cash back at supermarkets
– 3X rewards on all other expenses
– 15% cashback on Ola cab bookings

4. HDFC Bank MoneyBack Credit Card

– 10X cash points on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
– 2 cash points per ₹150 spent on other expenses (excluding EMI, fuel, wallet loads/prepaid card loads, and voucher purchases)

5. Yes Bank Prosperity Cashback Credit Card

– Welcome cashback of ₹250 on spends of ₹2,500 in the first 30 days
– Up to 5% cashback on movie ticket bookings and grocery shopping

6. Axis Bank ACE Credit Card

– 5% cashback on bill payments (electricity, internet, gas, and more) and DTH and mobile recharges on Google Pay
– 4% cashback on Swiggy, Zomato, and Ola
– 1.5% cashback on all other spends

7. Citi Cashback Credit Card

– 5% cashback on movie ticket purchases and telephone and utility bill payments

8. RBL Bank’s Paisabazaar Duet Plus Credit Card

– 1% cashback on all retail outlets and online transactions
– 2.5% cashback on all travel and dining transactions

Supplementary Advantages:

1. Accumulation of reward points
2. Travel benefits
3. Dining privileges
4. Waiver of fuel surcharge
5. Insurance coverage

Comparison Chart:

Credit Card Cashback Percentage Online/Offline Spending Cashback Transfer Time
                          Cashback SBI Card               5% / 1%                Online / Offline               2 working days
                          Amazon Pay ICICI               Re 1 / Rs. 1                Online / Offline                Immediate
                          Standard Chartered               5% / 3X                Online / Offline                Varies
                          HDFC Bank MoneyBack               10X / 2                Online / Offline                Varies
                          Yes Bank Prosperity               5% / 1%                Online / Offline                Varies
                          Axis Bank ACE               5% / 4%                Online / Offline                Varies
                         Citi Cashback               5% / 1%                Online / Offline                Varies
                         RBL Bank Paisabazaar               1% / 2.5%                Online / Offline                Varies

Conclusion:

Select a credit card that aligns with your spending patterns and maximizes your cashback returns. Before choosing, always scrutinize the terms and conditions, including cashback processing time, merchant limitations, and supplementary benefits.

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