Rewards Categories
Explore Rewards by Spending Category:
| Category | Description |
|---|---|
| Dining | Earn rewards on restaurant and food delivery purchases. |
| Groceries | Get cashback on supermarket and grocery store spending. |
| Travel | Accumulate points or miles on airfare, hotels, and other travel expenses. |
| Fuel | Receive cashback or surcharge waivers on fuel purchases at gas stations. |
| Online Shopping | Benefit from rewards on purchases made through online retailers. |
Top Rewards Credit Cards
Best Credit Cards for Rewards & Cashback:
| Card Name | Issuer | Annual Fee | Key Benefits | Apply Now |
|---|---|---|---|---|
| SBI Cashback Credit Card | SBI | ₹999 | - 5% cashback on all online purchases (excluding utility bills). - 1% cashback on other spends. - No cashback capping, making it ideal for online shoppers. - Welcome benefits worth ₹2,000 on payment of the annual fee. | Apply Now |
| HDFC Millennia Credit Card | HDFC Bank | ₹1,000 | - 5% cashback on Amazon, Flipkart, and other preferred partners. - 2.5% cashback on all online spends. - 1% cashback on other retail spends. - Complimentary airport lounge access. | Apply Now |
| ICICI Amazon Pay Credit Card | ICICI Bank | Nil | - 5% cashback on Amazon.in for Prime members. - 3% cashback on Amazon.in for non-Prime members. - 2% cashback on 100+ Amazon Pay partner merchants. - 1% cashback on all other spends. | Apply Now |
| Axis Bank Ace Credit Card | Axis Bank | ₹499 | - 5% cashback on bill payments and mobile recharges via Google Pay. - 4% cashback on Swiggy, Zomato, and Ola. - 2% cashback on all other spends. - Unlimited cashback with no expiry. | Apply Now |
| Citibank Cashback Credit Card | Citibank | ₹500 | - 5% cashback on movie ticket purchases. - 5% cashback on telephone bill payments. - 5% cashback on utility bill payments. - 0.5% cashback on all other spends. | Apply Now |
Note: Always review the terms and conditions on the official card issuer's website before applying.
Maximize Your Rewards with Minemi Tips
Minemi Tips:
MinEmi Tip
Leverage Category Bonuses: Use cards that offer higher cashback in specific categories. For example, the SBI Cashback Credit Card provides 5% cashback on online purchases, making it ideal for online shoppers.
Combine Multiple Cards: Utilize different cards for different spending categories to maximize rewards. For instance, use the Axis Bank Ace Credit Card for bill payments via Google Pay to earn 5% cashback.
Monitor Reward Expiry: Keep track of reward points' validity to ensure you redeem them before expiration. Some cards offer unlimited cashback with no expiry, such as the Axis Bank Ace Credit Card.
Stay Updated on Offers: Regularly check for promotional offers and accelerated reward categories to take full advantage of your card's benefits.
Redeem Wisely: Choose redemption options that provide maximum value, such as using cashback to offset statement balances or redeeming points for high-value merchandise.
How Rewards and Cashback Work
Understanding Credit Card Rewards Programs:
Earning Rewards: Earn cashback or reward points on eligible purchases. For example, the HDFC Millennia Credit Card offers 5% cashback on Amazon and Flipkart purchases.
Redeeming Rewards: Redeem accumulated points or cashback for statement credits, merchandise, or travel bookings, depending on the card's reward program.
Points vs. Cashback: Cashback: Direct monetary returns on your spending, often credited to your account.
Points: Can be accumulated and redeemed for various rewards; the value per point varies by issuer.
Points: Can be accumulated and redeemed for various rewards; the value per point varies by issuer.
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