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Best Cash Back Credit Cards

Best Cash Back Credit Cards

When the concept of credit cards first originated, there was only one basic mechanism involved and i.e. limited to the interest rates, benefits and fees. However, slowly and steadily with more credit cards companies joining the bandwagon, it would not be wrong to say that the competition has become very tough. Thus, in order to survive in this intense competition, and to increase their business, many credit card companies have started offering the best of cash back credit cards with great features to suit your lifestyle and financial status.

Yes, these cash back credit cards with their unmatched features and benefits have become very popular these days. This is the reason that many people prefer to own these cards just because of their prominent cash back feature. Due to which, no matter for which purpose you use your card, you will get the cash back in return, thus it also allows you to save a lot of money in this way. So, if you are also looking to buy a new cash back credit card, but still confused among plenty of options available, nothing to worry as this article shares with a list of best cash back credit cards that give you maximum benefits.

So, take a look below and choose a card that suits your pocket and needs.

1.SBI Gold Card

Fees and Charges

Joining Fee: Rs. 299+ Taxes

Annual Fee:Rs. 299+Taxes

Add on Fee: Nil (per annum)

Privileges of  SBI Gold Card

  • Global acceptance
  • Cash on the go

Features of SBI Gold Card

  • Add-on Cards
  • Easy Money
  • Cash on the Go
  • Utility Bill Payment Facility
  • Balance Transfer on EMI
  • Flexipay
  • Online Booking of Railway Tickets
  1. Citibank Cash Back Credit Card
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Fees & Charges

Annual Fee:Rs. 500

Interest Rates: 37.20%-42.00% per annum

Privileges of Citibank Cash Back Credit Card

  • 5% Cash Back on movie ticket purchases
  • 5% Cash Back on all your telephone bill payments
  • 5% Cash Back on all your utility bill payments made online through Citibank Online Bill Pay
  • 5% Cash Back on all other spends
  • Cash back in the Telephone / Movies / Utility category is capped at Rs.100 per month for each category
  • Up to 20% savings across 2000 restaurants

Features of Citibank Cash Back Credit Card

  • Dining Privileges
  • Shopping Privileges
  • EMI Privileges
  • Great savings on your everyday spends
  • Hassle-free redemption
  1. American Express Payback Credit Card

Fees & Charges

First Year Fee: Rs. 750+ Taxes

Second Year Fee: Rs.1500+Taxes

Privileges of American Express Payback Credit Card

  • 3 Payback Points for every Rs.100 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions
  • Get multiple payback points across more than 40 payback partners
  • Earn 900 Bonus payback Points on spending Rs. 15,000 within 60 days
  • Get welcome vouchers worth Rs. 3,000
  • Enjoy exciting discounts on dining, travel and online shopping
  • For every Rs.200 spent at payback partner Big Bazaar, you will get 6 Payback Points
  • Enjoy up to 30% discount and additional 5% cashback at over 1200 restaurants

Features of American Express Payback Credit Card

  • Payback points
  • Rewards Programme
  • Offers and Privileges
  • Discounts on Dining and Fuel
  1. ICICI Bank Coral Credit Card

Fees & Charges

Joining Fee: Rs. 1000+ Taxes

Annual Fee: Rs.500+Taxes

Privileges of ICICI Bank Coral Credit Card

  • 2X Cash rewards on dining, groceries and at supermarkets.
  • Complimentary Provogue tie on joining
  • 2 complimentary domestic airport lounge visits per quarter
  • 2 complimentary movies every month under the Buy One Get One offer through
  • Minimum 15% savings on dining bills at over 800 restaurants across India through Culinary Treats Program
  • A complete waiver of 2.5% on fuel surcharge every time you refuel
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Features of ICICI Bank Coral Credit Card

  • Offers on Dining, Wellness and Hotels
  • Amazing offers from VISA
  • Airport Lounge Access Privilege
  • Chip and Pin Security
  • Savings on Fuel Purchases

Cash Back Credit Cards India

When it comes to cash back credit cards in India, there is no doubt on the fact that there are many options to choose from. Different banks have different kinds of cash back credit cards that come to you with various kinds of features and perks. Apart from giving you the benefit of cash back, these cards also offer you list of other benefits as well. In order to avail the cash back feature, you can use your card for various purposes such as online shopping, dining, fueling, movies etc. Once you use your card for any of the following reasons, you are eligible to get the cash back feature on your card. Through this way, you can save your money and use your cash back points for various purposes.

(Updated on: 27th August, 2016)

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