Best Cashback Credit card list: Festive season is going on in the country and shopping in this season is special for everyone. If you are thinking of getting benefits like cashback on every shopping of Dussehra and Diwali, then it is important to choose the right credit card for that. In this article, we will give you information about some credit cards with great features, which will give many benefits like cashback on every expenditure incurred for shopping this festive season. Let’s take a look at the best cashback credit cards, their features and annual charges.
YES Bank Paisabazaar PaisaSave Credit Card
Membership Charge – Nil
Annual Charge – Rs 499 (waived off on expenditure of more than Rs 1.2 lakh in a year)
You will get 3% cashback on online shopping through this credit card, which is applicable on all the popular platforms like Amazon, Myntra, Flipkart, Nykaa, Swiggy, Zomato, Tata Cliq, Ajio. If users reach the monthly cashback limit of Rs 5,000 on online transactions, they will continue to earn 1.5% cashback on further online shopping. Apart from this, everyone will be able to get unlimited 1.5% cashback on purchases from offline stores.
Let us tell you that the value of 1 cashback is equal to 1 rupee. Through this card, users will be able to redeem the cashback received on shopping from online and offline stores through YES Rewardz platform. No charge is deducted for redemption.
Customers can easily save while spending with PaisaSave Credit Card, especially on online transactions, where the cashback goes up to 3%. The unlimited cashback feature of this card ensures that you can keep saving even when you spend offline or at popular online stores.
There is no membership charge i.e. joining charge for this. Talking about annual charges, to continue using the card on entry in the second year except the first year, a renewal charge of Rs 499 will have to be paid. Although the annual charge of YES BANK Paisabazaar PaisaSave Credit Card may also be waived, if the user spends more than Rs 1.2 lakh through the card in the last year, then no annual charge will have to be paid in the second year.
1% surcharge is waived on purchasing fuel through this card at all petrol pumps. Meaning, when you buy petrol with this co-branded credit card, you will not have to pay a surcharge of 1% on that purchase. For example, if you buy fuel worth Rs 1000 at a fuel station, you are usually charged a surcharge of 1% i.e. Rs 10. But if you have Yes Bank Paisa Bazaar Paisasave Credit Card with fuel surcharge waiver, then you will not have to pay this Rs 10. This way, you will pay the full amount of Rs 1000 only.
Users can increase the usefulness of the card by applying for virtual YES BANK Rupay Credit Card, through which they can easily make UPI payments. PaisaSave credit card is a better option for shopping lovers.
Also read: Gold Buying Tips: Keep these things in mind while buying gold in the festive season, there will be no loss.
Axis Bank ACE Credit Card
The next name in this list is Axis Bank ACE Credit Card.
Annual Charge – Rs 499
You will get 5% cashback on bill payment and recharge through Google Pay.
Users will be able to get 4% cashback by using the card on platforms like Swiggy, Zomato and Ola.
1.5% cashback will be available on remaining expenses.
If you spend Rs 50,000 in the last quarter, you will get 4 free access to domestic airport lounges in a year.
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Flipkart Axis Bank Credit Card
Annual Charge – Rs 500
5% cashback will be available on Flipkart and Cleartrip.
4% cashback will be available on Cult.fit, PVR, Swiggy and Uber.
1% cashback will be available on other expenses.
Under the welcome offer, you will get a Flipkart voucher of Rs 500 and a discount of up to Rs 100 on the first Swiggy order.
On spending Rs 50,000 in the last 3 months, you will get 4 free visits to the domestic airport lounge every year.
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Myntra Kotak Credit Card
Annual Charge – Rs 500
You will get up to 7.5% discount on purchases on Myntra.
5% cashback will be available on platforms like Swiggy, Swiggy Instamart, PVR, Cleartrip and Urban Company.
Unlimited 1.25% cashback will be available on other expenses.
Myntra Insider membership will be available free.
Myntra Voucher worth Rs 500 will be received on completing the first transaction of Rs 500 or more within 30 days of card issuance.
You will get 2 free PVR tickets on spending Rs 50,000 every quarter.
You will get 1 free visit to the domestic airport lounge every quarter.
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Cashback SBI Card
Annual Charge – Rs 999
During the festive season, SBI Card is a great option for those who want to get cashback on every purchase.
With this card, users can get 5% cashback on every expenditure from online stores.
You will get 1% cashback on shopping from offline stores.
Apart from this, 1% surcharge will not be waived on purchasing fuel through card from any petrol pump across the country.
Also read: Gold Buying: Do you intend to buy gold in the festive season? Apart from jewelery shop, you can also shop like this
HDFC Bank Millennia Credit Card
Annual Charge- Rs 1000
This card from HDFC is a great option for those who want to get cashback on every purchase.
Through this card, users can get 5% cashback by shopping from platforms like Amazon, Cult.fit, BookMyShow, Sony LIV, Flipkart, Myntra, Swiggy, Tata CLiQ, Zomato, Uber.
You will get 1% cashback on shopping from other platforms.
If you spend Rs 1 lakh in a quarter, you will get a gift voucher of Rs 1,000 or free access to domestic airport lounge once.
You will get 1,000 cashpoints on payment of joining and renewal fees.
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Amazon Pay ICICI Credit Card
Annual Charge – Nil
Prime members will get 5% cashback on Amazon.
Non-Prime members will get 3% cashback on Amazon.
Amazon Pay merchants will get 2% cashback on payments.
1% cashback will be available on other expenses.
You will get 3 months free Amazon Prime membership.
Once the card is activated, there will be benefits equal to the value of approximately Rs 2,000.
Choose a credit card after understanding your expenses.
Shopping during the festive season is not only a matter of happiness but also of proper financial planning. By choosing the right credit card, you can not only manage your expenses but also avail additional benefits through various cashbacks. Choose the right card as per your personal expenses and needs and enjoy this festive season to the fullest.
,Note: This list of cashback credit cards has been prepared by Paisa Bazaar.com (on October 1), which is for the information of the readers. Financial Express Does not endorse any specific credit listed. Readers are advised to select the appropriate card based on their discretion, as the responsibility for any loss will be entirely theirs. Also thisKeep in mind that card service charges and benefits may vary across different financial institutions, so you should verify the latest charges from the respective credit card issuers.)
