Cashback & Reward Credit Cards

Who doesn’t want their credit cards to give them as much rewards and cashbacks as possible? Is it any wonder therefore that these are in great demand amongst shoppers and merchants? So if you are looking for such an amazing product, then this article is for you.

Name of card	Cashback and rewards	Joining fee	Annual fee
Standard Chartered Super Value Titanium Card	Get 5% cashback on fuel, utility bills and telephone. Get 1 reward point each time you spend Rs. 150 on any other expense	Rs. 499	Rs. 750
Citibank Cashback Credit Card	5% cashback on movie tickets. Get 5% cashback on telephone bills and utility bills. Get 0.5% on all other expenses.	As applicable	As applicable
Standard Chartered Manhattan Platinum Credit Card	5% cashback each time you spend on groceries from names like Food Bazaar, Reliance Fresh, Big Bazaar, and more.	Rs. 499	Rs. 499
SBI SimplyClick Credit Card	Get 10x reward points on online purchases at the bank's exclusive partner outlets.	Rs. 499	Rs. 499
SBI Card Prime	Get 10x reward points for each Rs. 150 spend on dining, groceries, movies and shopping.	Rs. 2999	Rs. 2999
HDFC MoneyBank Credit Card	Get 2x reward points for each Rs. 150 spent. These points can be redeemed against the outstanding amount. You can get Rs. 30 in exchange of 100 reward points.	As applicable	As applicable
ICICI Coral Credit Card	Each time you spend Rs. 100, you get 4 payback points. These should have been spent on dining, groceries and on buying at supermarkets. You also get 2 payback points each time you spend Rs. 100.	Rs. 1000	Rs. 500

All of the charges above are inclusive of 18% GST.

Now let us look at some of these cards in more detail. What sets them apart? Why should you choose them?

Citibank Cashback Credit Card

This credit card gives you 5% cashback benefit on telephone bills, utility bills and movie tickets. 

Apart from this benefit, the card also aids you in winning various exciting offers from leading brands from across multiple product categories. And if you love dining out a lot, you’re going to love this card as it gives you 15% off at certain partner restaurants across various cities in the country. 

Annual fee: As determined by the bank.

What makes this card so special?

If you are an avid shopper, this can be the ideal card for you. You get tons of cashback. And even if you are not an avid shopper but a foodie instead, this credit card won’t let you down. And if that’s not enough, the card also gives you the opportunity to convert your purchases from more than 2000 electronics outlets around the country into EMI. 

Standard Chartered Super Value Titanium Card

Want to get cashback each time you spend your hard-earned money on utility bills and buying fuel? Then you’ll love this card as it gives 5% cashback on all these instances.

The best features of this card

As you have seen, there is a 5% cashback on fuel spending, and you can also save on utility bills and phone bills. Each month, you can earn a minimum of Rs.100-200 per transaction as cashback. However, to get the same, you need to spend a minimum of Rs. 750. You also get one reward point per Rs. 150 spent on any other expense.

Annual fee: Rs. 750 + 18% GST

This is one of the best cashback and reward offers you can get. What is special about the card is that it gives you 5x reward points for POS or overseas point-of-sales spending, and also gives you complimentary access to more than 1000 airport lounges around the world, if you are a premium banking customer. 

Standard Chartered Manhattan Platinum Credit Card

This card gives you 5% cashback each time you make purchases at stores like Food Bazaar, Big Bazaar, Reliance Fresh and others. 

Best features of this card

Apart from the huge benefit given above, you get 3x reward points each time you spend on other things.

Annual fee: Rs. 999 + GST

Best features of this card

If you love shopping, you’ll love this card too. Apart from the benefits and reward points, you also get the Good Life Program, which gives you additional exciting offers on travel, shopping and dining.

SBI SimplyClick Credit Card

This card gives you 10x reward points each time you spend at the bank’s exclusive partners like Amazon, Foodpanda, Cleartrip, Lenskart, Zoomcar, BookMyShow, and UrbanClap.

Striking features

Apart from the rewards above, you also get 5x reward points you spend on other things. There is also the Amazon gift card which you can use, and e-vouchers which can be used when you spend between Rs. 1 lakh and Rs. 2 lakh.

Annual fee: Rs. 499 + 18% GST

What is special about the card?

Apart from the 10x reward points you get on spending at the partner outlets, you also get 5x reward points you spend on other things. There is also the Amazon gift card which you can use, and e-vouchers which can be used when you spend between Rs. 1 lakh and Rs. 2 lakh.

SBI Card Prime

For each Rs. 100 you spend at the bank’s partners’ outlets, you get 15 reward points. These partners are Reliance Trends, Reliance Fresh, Reliance Smart, Reliance Footprint, Big Basket, and Shakahari Bhandar.

Best features

With this card, you get a welcome gift which is worth Rs. 3000. This e-gift shall be from branded stores like Shopper Stop, Marks and Spencer, Bata, Yatra and Pantaloons. If you spend Rs. 50000 in a 3-month period, you also get a Pizza Hut e-voucher worth Rs. 1000. And if that is not enough, you also get 20 reward points each time you spend Rs. 100 on utility bill payments. You get reward points when you spend on your birthday. For each Rs. 100 spent, you can accumulate till 30 reward points.

Annual fee: Rs. 2999 + 18% GST

What is this card special?

This card gives you e-gift vouchers from many top brands and many reward points. Additionally, you also get Club Vistara Silver and Priority Pass membership, and complimentary access to domestic and international airport lounges.