Credit Cards

Earn Cash Back While Going Cashless

Earn Cash Back While Going Cashless

Going Cashless Just Paid You Off Nicely

It’s a different world we are living in now with the push for a cashless India going full force. Luckily for you the spender, credit card issuers nowadays have thoroughly reorganized their strategies and are focusing more on giving away benefits and rewards to lure in consumers. By all measures, this will succeed wildly because there is no one among us who would not want free cash back on purchases! Cards giving cash back have really caught public fancy because the offer is simple and WOW! generous! You spend on the card and get a percentage of it back. Free.

Here are some of the better cash back cards out there that will certainly leave you happier at the end of the day.

Standard Chartered Titanium Card

Take the Standard Chartered Titanium Card for example. If you are between 21 and 65 years of age with a regular monthly income, you are eligible to apply for one. And what does it get you?

  • 5% cash back on every fuel spend
  • 5% cash return on phone bills, both landline and mobile
  • 5%  cash back on every utility bill

A hefty 20% return in cash of up to a limit of Rs. 600 in a month for Uber rides. However, this cash back is available only if the trip bill happens to be Rs 750 or more. What’s more, after you receive your card, you are entitled to an air ticket sans the base fare when you book your ticket through It is, however, applicable for those cards applied for & approved online only. Overseas transactions come with a transaction fee of 3.5% which is a standard rate. There is a joining fee of Rs 499 and renewal fees of Rs 750 are chargeable every year.


Citibank Cash Back Card

To keep pace with the competition, Citibank too, has launched its Citibank Cash Back Card with the following benefits:

The holder gets a return of 5% in cash when he buys movie tickets.

  • 5% cash back on every telephone bill.
  • 5% return on electricity, gas and power bills paid online through the Citibank Online Bill Pay System.
  • Rs 500 is payable as an annual fee.

Axis Bank My Choice Card: Instant Cash Back 

This card too is galloping up the popularity charts because it gets you cash backs instantly for paying monthly bills. For online shopping also, you are given a 5 % cash return instantly. There is also the option of choosing two categories for maximum spending, be it e-commerce, dining, fuel, electronics, utilities, travel or supermarkets. On issuance of a new card, you pay a joining fee of Rs 250. A subsequent Rs 250 fee is payable every year after that. No joining or annual fees required for add-on cards acquired with the primary card.

To be eligible for this card, being an Indian is a must and a copy of the PAN Card needs to be furnished. Furnishing your latest pay slip and/or IT return and Form 16 is also mandatory along with residence proof and a recent photograph.


So pick your favourite card and start earning cash back today!

Viveka Rao

About Viveka Rao

Viveka Rao is post grad in finance and a freelance writer here at CreditSmart. A love for shopping and travel rewards has fueled her interest in personal credit, and making the most of rewards programs. She writes to educate other consumers in making great financial choices.

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