In the realm of personal finance, cashback credit cards have become increasingly popular for their ability to reward cardholders with cash rebates on their purchases. With the multitude of options available, selecting the best cashback credit card can be a daunting task. To simplify your search, we have curated a list of the top cashback credit cards of 2024 that offer lucrative rewards and benefits. Additionally, we will explore how utilising an EMI calculator for credit cards can help you manage your expenses effectively while maximising cashback earnings.
Citi Cashback Credit Card: The Citi Cashback Credit Card is a popular choice in India for earning cashback on everyday expenses. Cardholders can enjoy attractive cashback rates on categories such as groceries, dining, and utility bill payments. The card also offers welcome rewards and no annual fees, making it a compelling option for individuals looking to maximise savings on their regular spending.
HDFC MoneyBack Credit Card: The HDFC MoneyBack Credit Card is known for its competitive cashback rates and rewards structure. Cardholders can earn cashback on both online and offline transactions, making it a versatile choice for various spending habits. The card also features additional benefits such as fuel surcharge waivers and milestone rewards, enhancing its value for users.
SBI SimplyCLICK Credit Card: The SBI SimplyCLICK Credit Card is tailored for online shopping enthusiasts, offering cashback rewards on e-commerce transactions with partner merchants. Cardholders can earn cashback on categories like online shopping, dining, and entertainment, making it an ideal choice for digital-savvy consumers. The card also provides milestone benefits and fuel surcharge waivers, adding to its appeal.
The Airtel Axis Bank Credit Card: This card offers a host of attractive benefits that cater to the diverse spending needs of cardholders. With a generous 25% cashback on Airtel Postpaid bills, Wi-Fi, DTH, and more, users can enjoy substantial savings on essential services. Additionally, the card provides 10% cashback on utility bill payments such as gas and electricity, as well as on popular platforms like Swiggy, Zomato, and BigBasket, making it ideal for those who frequently use these services. Cardholders also earn 1% cashback on all other spends, further enhancing their rewards potential. The card extends additional perks such as up to 15% off at partner restaurants, a 1% fuel surcharge waiver, and domestic airport lounge access four times a year, adding value and convenience to the overall cardholder experience. With a range of cashback offers, discounts, and privileges, the Airtel Axis Bank Credit Card is a comprehensive financial tool that rewards users for their everyday transactions while providing lifestyle benefits and savings opportunities.
ICICI Bank Amazon Pay Credit Card: The ICICI Bank Amazon Pay Credit Card is a co-branded card that offers cashback rewards on Amazon and partner merchants. Cardholders can earn cashback on Amazon purchases, bill payments, and more, making it an attractive choice for frequent Amazon shoppers. The card also provides accelerated rewards on select categories and exclusive Amazon Pay benefits, adding to its appeal.
These cashback credit cards in India for 2024 offer competitive rewards, benefits, and value propositions for cardholders looking to maximise their savings and earn cashback on their everyday expenses. By choosing a cashback credit card that aligns with your spending habits and preferences, you can enjoy a range of rewards and benefits while managing your finances effectively.
EMI Calculator for Credit Card:
An EMI calculator for credit cards is a valuable tool that enables cardholders to estimate their Equated Monthly Installments for EMI-based transactions. By inputting details such as the transaction amount, repayment tenure, and applicable interest rate, users can determine the monthly instalment amount and plan their repayments effectively. Here’s how leveraging an EMI calculator can enhance your credit card management:
Budget Planning:
Using an EMI calculator allows you to budget and plan your expenses by forecasting your monthly repayments for EMI-based purchases. By understanding the EMI amount in advance, you can allocate funds accordingly and ensure that you can comfortably meet your repayment obligations.
Cost Estimation:
An EMI calculator provides insights into the total cost of borrowing, including the interest component, over the selected repayment period. By calculating the overall repayment amount, you can assess the affordability of the transaction and make informed decisions regarding your credit card usage.
Repayment Flexibility:
EMI calculators offer flexibility in choosing the repayment tenure, allowing you to adjust the EMI duration to suit your financial preferences. By exploring different tenure options, you can select a repayment schedule that aligns with your budget and cash flow requirements.
Comparison of EMI Options:
Using an EMI calculator enables you to compare multiple EMI options based on varying transaction amounts, tenures, and interest rates. By evaluating different scenarios, you can select the most cost-effective EMI plan that minimises interest costs and maximises savings.
In conclusion, the best cashback credit cards of 2024 offer cardholders lucrative rewards, exclusive benefits, and enhanced value for their spending. By choosing a cashback credit card that aligns with your lifestyle and preferences, you can maximise your savings and enjoy a range of rewards on your purchases. Additionally, leveraging an EMI calculator for credit card transactions can help you manage your expenses efficiently, plan your repayments effectively, and optimise your cashback earnings. By combining the benefits of cashback credit cards and EMI calculators, you can enhance your financial management, maximise rewards, and make the most of your credit card experience in 2024 and beyond.
