Best Money Saving Cashback Credit Cards in India 2019

When applying for a credit card most ask for some of these documents. Here’s the list:

  • Your age should be in between 18 to 70 years.
  • You must be a resident of India.

Documents required to apply for a Credit Rewards card:

For salaried employees

  • Identity proof
  • Address proof
  • Latest two salary slips

List of documents for address proof and ID proof

  • Passport
  • Driving License
  • Aadhaar Card
  • Voter’s ID Card
  • Job Card issued by NREGA and signed by a State Government officer

For self-employed individuals

  • Identity proof
  • Address proof
  • Latest ITR

List of documents for address proof and ID proof

  • Passport
  • Driving License
  • Aadhaar Card
  • Voter’s ID Card

Citi Rewards Card—Get 10x Rewards

You can enjoy 1,500 Bonus Membership Rewards Points if you use your card within 30 days of issue (Dining, Shopping, etc.).

Further, if you spend on retail purchases worth Rs.1000 or above within 60 days of getting the card membership, you can earn upto 1000 Bonus Membership Rewards Points.


  1. One reward is a quarter of a rupee, meaning .25 paise. For every purchase of Rs 125 you get 1 reward points awarded to you.
  1. Spend Rs. 30,000 or more a month and get 300 points.
  1. For retail transactions say dining, shopping at marts or apparels you get 10x the reward points.
  2. You can get flier miles with Air India and Jet Airways. 1 reward point equals .75 paise and you need minimum 100 points to redeem.

A Final Take: This is a free Credit Card and has unlimited daily use, if your spending exceeds Rs.30000 annually. You don’t have to pay annual fee of 1000 is Rs 30000 is spent in a year.

Special 2019 offers

Zomato discount: Get up to 25% cashback, up to Rs 250 on all orders on Zomato valid up to May 2019. Use code CITICRIC with Citi Rewards Card.

Bigbasket offer: Get 20% cashback on Bigbasket. You get the offer from May 1 to May 5 and June 1 to June 5. Use coupon CITIBB.

Movie tickets offer: On PayTM get two tickets for the price of one. Use code CITIFRIDAY.

SBI Elite Card

Travel card

HDFC Bank Moneyback Credit Card

HDFC MoneyBack Credit Card is a sweet choice if you love shopping and earning cashback. Besides, it has one of the lowest joining fees and minimal annual fee as well. If you have a good credit history, you can get this perfect credit card to add on to your list of best rewards credit cards.

HDFC MoneyBack Credit Card is a good option to fuel your monthly shopping habit and save as you shop. The card provides cashback on shopping in supermarkets and departmental stores. You get cashback if you shop for groceries from stores like Reliance fresh, big bazaar, empanelled stores.

Cashback Benefits on Offer: MoneyBack credit card

You can get 2 reward points on your retail purchases. You get 2 points per Rs 150 in spend.

Each reward point equals 20 paise. So you get 40 paise.

Welcome gift:When you apply for MoneyBack credit card you get 500 points as welcome credit. For the next year, when you renew, you get 500 more points.

Reward points program 

When you spend online you get double the reward points.

The points can be redeemed for cash back.

If you’ve seen Payback plus rewards catalogue, HDFC offers a similar rewards catalogue where you can redeem the points against gifts. You also have the choice of redeeming against air miles.

You need 2500 points to redeem.

Points are only valid for 2 years from date of accumulation.

Milestone rewards: If you spend 50000 in a quarter, you get an e-voucher worth Rs. 500.

This can be redeemed within 60 days.

Special benefits: If you do a minimum 4 transactions a month these are what you get.

Accidental death insurance cover worth 50 lakh.

Purchased goods up to Rs 5000 are covered. All damages or loss caused due to either fire or theft are covered

SBI Simply Save Credit Card 2019

Annual Fee: ₹ 499

Key Features:

  • You get awarded 1 point per 100 Rs spend. 1 reward point equals quarter of a rupee at 25 paise.
  • 10 times the reward points on spending on dining, movies and grocery shopping. That means you get 10 reward points for every 100 rs spend on dining, movie tickets, retail stores, malls etc
  • If you spend 2000 rs in the first 60 days you get 2000 bonus points.
  • For your first ATM withdrawal you get 100 rs cashback.
  • Reward points can be exchanged against a cashback or you can get reward points and buy a gift from the rewards catalogue.
  • 1% fuel surcharge waiver when you spend upwards 500 rs.

The low annual fee is a highlight. The renewal fee and annual fee both remain capped at 499 Rs per month.

Important: The annual fee for this card shall be waived off if your annual spending exceeds Rs.90000 during the year.

This low annual fee is actually a welcome step for anyone who is a savings freak and wants to save a little for their sweet little holiday. This credit card shall be beneficial for you and your family members. You can save some of your hard earned money by switching to this credit card as per your convenience. 

American Express Membership Rewards Credit Card

This card is an internationally valid credit card at the time of requirement. You can get 1 reward point for every Rs.100 spent on airline transactions.

So, this leading card comes at an annual fee of Rs.4,500 plus applicable taxes if required.

You can use this card to make hotel bookings, online shopping, fuel transactions, pay for utility bill payments and also for charitable donations.

Further, this card is an international credit card that can be used globally i.e. in India and abroad.

Benefits that come with American Express Membership Card Amex

You get 1 point for every rs 50 spend.

Use the card 4 times for transactions worth Rs. 1000 every month and get 1000 Bonus points.

Joining bonus: If you spend Rs. 25000 within 90 days of the card being issued to you, you get 2000 bonus reward points.

Annual fee waiver: If you want to get the annual fee waived off, spend 1.5 lakh in a year. If you don’t reach that amount and can spend only 90k get 50% off on the annual fee.

You can use the card at petrol pumps. Pay utility bills, pay for retail transactions. Cash withdrawals won’t get you points.

24000 reward points can be exchanged for 24 Karat Gold collection that includes American Express travel voucher worth 11,000. Or get a Bose bluetooth speaker. You can also get cashback of 10000 Rs.

18000 reward points can be exchanged against Amazon gift card voucher worth 8000. You ca also get cashback for 7500.

Renewal bonus: With renewal you get 5000 membership points which are credited in a maximum of 90 days.

Easy EMI Option: With the EMI facility any purchase above Rs 5000 can be broken down to easy monthly installments.

Besides,points can be availed for:

* International Airlines * Tourist Visa/ MasterCard * Conveyance award * Airline tickets bookings * Tourist Suvidha Cards * Fuel Surcharge waiver * Security camera * Assistance for flight & hotel bookings

Redeem these wonderful rewards with the help of Lovely Rewards Catalogue and save a lot of your hard earned money.

Credit Cards are a wonderful way of managing your expenses and particularly helpful in the moment of distress. In today’s world, when everything goes instantaneously, using a credit card can be a blessing in disguise. With the ever-increasing number of credit cards, it is very easy to be over-spending, without even realizing the benefits that a credit card offers.

While most credit card providers give rebates just for using your card, there are some cards, which

 SBI Gold Credit Card: 

This is a good card for paying your electricity, mobile, telephone and other utility bills and insurance through the Easy Bill Pay facility.You will get to access easy features like autopay and fast pay to help you clear your utility bills offered with this credit card.

Key Benefits of SBI Gold Credit Card:

* The joining fee is Rs.299 and the annual fee is also Rs.299. * Interest is charged @ 3.35% per month that amounts to 40.2% annualized. * Flexipay gives you the facility to make payments in instalments on monthly basis. * This is accepted worldwide and can be used at millions of outlets. * Easy booking of railway and airline tickets.

This card is truly designed to meet your utility needs. There are not many rewards attached to it,but the other benefits attached make it an attractive option. 

Global coverage

 The card is accepted at more than 2 million+ Visa outlets and around 2,85,000 outlets in India.

  • Add-On Cards

With the SBI Gold Credit card you can authorize your relatives to make purchases on your account with the help of add on cards. This facility can be undertaken by anyone above the age of 18, your children, siblings, spouse etc.

  • Utility Bill Payment Facility

Utility bill payment is a breeze for all essential services like electricity bills, gas, mobile bill payments. The Auto Play option is set and forget.

There’s a joining fee of 299 with annual fee of another 299. There’s no add on card limit. You can cash advance on up t o 80% of credit limit.

Citibank Cashback Credit Card: 

This is a good credit card not only for earning cashback and rewards but also for paying utility bills online. The benefits and features of this credit card have already been discussed in detail above.

  • For movie tickets you get a high cashback of 5%. The same applies to bill payments done through Citi Billpay.
  • The highest amount of cashback earned is Rs. 100.
  • For other categories you will be awarded .5% cahsback without limits on the amount you earn.
  • Payments for mobile bills is 5%.
  • You can redeem cashback in multiples of Rs. 500.
  • Restaurants associated with Citibank will net you additional discounts.

Annual fee of Rs.500 for the first month and incremented from the second year.

Note: The annual fee and charges may vary due to certain promotional offers or other reasons. Kindly check the same while applying for a credit card with the respective banks/companies. 

How to get a Good Credit Card easily? 

 Free Credit cards simply refers to a credit card that is available to you free of cost. This means you don’t have to pay any joining fee plus the annual fee may also waived off in certain cases.

Joining fee refers to the fee paid at the time of getting the card issued. Whereas annual fee are the annual charges that you as a credit card user need to pay for using the privileges offered by a credit card.

Being a first time user or a moderate user of credit cards, paying high annual fee and even a joining fee might not seem wise. You have a whole range of No annual fee credit cards or free credit cards at your disposal that come loaded with numerous offers and benefits.

We have handpicked some of the best free credit cards and classified them into 2 main categories:

1. Free Credit Cards in India: Totally free i.e. No Joining Fee and No Annual Fee.

2. Free Credit Cards in India: No Joining fee plus you get an annual fee waiver on your annual spending in excess of a particular limit as specified.

Just remember having a sound credit background coupled with a good CIBIL Score are always beneficial.

You can avail instant approval and grab any of the credit cards of your choice if you build a great credit score.