Flat-rate cashback
Many cards offer a fixed cashback (e.g., 1–2%) on all spends, with no category limits.
Cashback Credit Cards — save on every purchase
Get flat-rate or category-based cashback that posts as statement credit. Ideal for everyday spends and essentials.
Compare Cashback Cards
How Cashback Cards Work
Category boosts
Higher cashback on groceries, fuel, utility or online spends (e.g., 5% on groceries up to cap).
Posting & caps
Cashback usually posts monthly as statement credit; watch for monthly caps & minimum spends.
Annual fee considerations
Low-fee or no-fee cards are common for cashback; evaluate whether benefits exceed the fee.
Compare Popular Cashback Cards
| Card | Cashback | Annual Fee | Key Perk |
|---|---|---|---|
| Card D | 5% groceries (up to ₹2,000/month) | ₹999 | High grocery cashback |
| Card E | 1.5% on all spends | ₹0 | No annual fee |
| Card F | 5% online (rotating categories) | ₹1,499 | Rotating category boosts |
Quick Selector — Which cashback card suits you?
FAQ
How is cashback paid out?
Typically as statement credit; sometimes as rewards balance redeemable for vouchers.
Are there cashback caps?
Yes — many cards limit monthly or category cashback (e.g., ₹2,000/month).
Do I need to activate categories?
Some cards require activation for rotating categories; check the issuer's terms.
Should I choose no-fee cards?
For light spenders, no-fee cards with decent flat cashback often offer the best value.