Banks today bring several offers for their users to earn points and rewards on their credit card purchases. These points in the form of cash backs or rewards can be redeemed sooner or later. This is mostly a particular percentage of the total purchase that gets credited as cashback. However, different banks offer different rewards and schemes for their users. Here is a listing at loanbaba.com of best 10 credit cards that bring you the highest and the best cashback offers:
ICICI Bank offers the Instant Platinum Card to its first-time users. No matter what your credit score and history has been, this card allows you to create a new history once you start using it frequently. One can avail this card against a fixed deposit made with the bank. Obviously, you must also have a savings account with the bank. Thus, the ICICI Instant Platinum Card is one of the best cashback credit cards for people with no salary such as students and homemakers. The features and benefit one gets on this option are:
The Standard Chartered Platinum credit card is an ideal choice for salaried people to comply with multi-purpose credit needs. It is apt for users who are frequent online shoppers. The features and benefits of these cards are as follows:
SBI simply click credit card is an exemplary choice for frequent shoppers who do not prefer making an annual fee payment. Though a minimal fee is charged on the card, one can get rid of the same if they spend over 1 lakh from the card. These cards are also eligible for special deals on the online stores such as Flipkart, Amazon, MakeMyTrip and Clear trip. The features and benefits of these cards are:
Do you prefer paying bills online rather than standing in long ques? Do you watch movies frequently? Then Citibank cash back credit card is the apt choice to make. However, individuals who wish to apply for Citibank Cashback credit card require a real history as it has been realised that the bank is strict on their applications and rejects almost 80% application due to low credit scores. The credit card benefits offered by Citibank are:
The American Express offers Membership Rewards Credit Card to its customers that can be used for a variety of payments. Unlike other cards, there is no predefined credit limit making it a flexible option for vast spenders. The card holders receive 1 reward point for every purchase of Rs. 50 except for any transaction in utilities, fuel, insurance and cash transactions. Despite the fact that the annual fee for the credit card is higher than other credit cards, this card is surely worth for the following reasons:
Citibank offers the premier miles card for its customers who are frequent travellers. One can enjoy attractive offers on online shopping and largely on travel bookings online. One can access airport lounges not only in the country but across the entire globe. This credit option is suitable for people who spend over 2 lakhs every year on their travels. However, customers are expected to have high credit scores for the bank rejects a huge number of applications every year. The reasons why you should apply for this option are:
HDFC brings another credit card option with attractive offers and saving options for the frequent shoppers. It gets you amazing deals on dining, fuel expenses, departmental stores, etc. There is a nominal joining fee but a great saving option for frequent shoppers. The features and benefits of the HDFC Solitaire credit card are:
The state Bank of India has composed an SBI Signature Credit Card for people who are frequent shoppers and look forward to saving on the same. SBI along with being one of the best banks in India, it associates a huge number of offers with this card. The significant benefits one can avail through this card and save on their purchases are:
This is again a reward paying credit card which is tied up with several departmental stores across the country to fetch its users' huge discounts. It offers attractive rewards on dining, online shopping, travel, fuel offers and welcome vouchers. The features and benefits tied up with the American Express Payback Credit card are:
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