Top 10 Cashback Credit Cards in India in 2021

Posted by  Fintra , updated 2021-03-12

Top 10 Cashback Credit Cards in India in 2021

Want cash in return for spending some cash? Indeed, Cashback credit cards are made for you! The return does not come in form of any reward or mile point, but 1 to 6 percent of your total spending is transferred back to your account.
Taking a gander at a wide perspective, there are the following three types of credit cards available in the Indian Market:
1.  Flat-rate cashback credit cards
2. Tiered cashback reward cards.
3. Bonus category cash back credit cards.

Here's a list of Top 10 Cashback Credit Cards for the year 2021:

  1. Yes Prosperity Cashback Credit Card

            

With the minimum earning required of R. 5.5 lakh per annum, this is the credit card that comes with a NIL processing fee and much flexible repayment options. And an assured cashback on each retail spending. Credit card owners and assured a cashback ranging from 0.75% to 5% of the amount spent.

  1. Standard Chartered Ultimate Card

           

With this credit card, you can get Rs. 10,000 cashback as the welcome bonus. This card can offer you up to 5 reward points (1 reward point = Rs.1) on every Rs. 150 spent. With a whopping 3.3% reward rate, you can avail many cashback benefits from this card.

  1. BOB Financial Select Credit Card

          

This is a unique card just because no minimum income required is announced by the issuer i.e. Bank of Baroda. This could prove to be the best credit card for all the students out there looking for a viable card with benefits that they can avail of in the form of cashback.

  1. Kotak Delight Platinum Credit Card

           

This credit card can offer you up to 10% cashback on dining and movies. Welcome offers are also available for the new users in form of 2 BookMyShow vouchers worth Rs. 200 each. And the cherry on the cake is that the cashback offers can also be availed on online food delivery partners like Swiggy and Zomato.

  1. PVR Kotak Gold Credit Card

           

If you are the one who loves to go to the movie theatres frequently, then this is the best-suited card for you. Card users can get up to 24 movie tickets per annum by the use of this card in addition to the benefits issued by the PVR in form of cashback and free tickets to their loyal customers.

  1. HDFC Regalia First Credit Card

          

The applicants for this card should have a minimum credit score of 750. On spending of Rs. 150/-, you can earn up to 4 reward points using this credit card and 1 reward point = Rs. 0.30/-. Using this card, you can enjoy benefits through dining and flying, etc. 

  1. SBI Card Prime Credit Card

          

SBI card prime is one of the best credit cards one can get issued. With cashback benefits received on the grocery expenditure and other shopping expenses. You can get coupons and vouchers from different brands from time to time depending upon your spending style. A good credit score is a must for applying for this card.

  1. Kotak Essentia Platinum Credit Card

          

This is one of the best grocery credit cards one can get in India issued by the KOTAK MAHINDRA BANK. You can avail of up to 10 saving points on every Rs. 100/- spent on grocery and other departmental expenditures. 1 saving point = Rs. 1/-. You can redeem those saving points in various means like cashback, vouchers, free coupons, and so on.

  1. Axis Bank Signature Credit Card

           

You get 100 welcome points on the first transaction. And also earn up to 50% cashback on movie ticket spending. Many benefits are available using these credit cards mainly in the form of cashback and Axis points which can be redeemed. 

  1. IndusInd Bank Pioneer Legacy Credit Card

           

This is sure an expensive card to own but comes with various giant cashback offers and benefits. You can choose your welcome benefits from the options available to you. If you are fond of playing golf, then this card also offers you Golf programs in which you can get access to some of India’s most expensive and premium golf courses and clubs. You can also earn up to 1 reward point for every Rs. 100 spent through this card 

Conclusion

You should go through all the best available credit cards before applying for one. Good CIBIL and credit score make the whole process of getting a card way much easier. With credit cards, comes hidden charges and taxes. You should always read all the terms and conditions before applying for one. Always spend wisely and don’t overspend because at the end of the day, it is you who have to pay for all your expenses and not any of the banks or the credit card issuers. Stay safe and so not share your credit card details or pin with anyone.

 

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