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Cashbacks on credit card transactions are more valued by the customers than discounts and vouchers. The top cashback credit card rewards its customers on every transaction with some benefits in the form of cashback, points, or miles. These rewards can be collected by the users and can be redeemed for discounts, cash, etc.

Types of Cashback Credit Cards

Cashback credit cards are generally categorized into –

Flat Rate Cashback Credit Card – Flat-rate cashback credit cards have a constant cashback rate to their customers on every transaction. The cashback rate is the percentage of the transacted amount that will be rewarded to the customer.
Tiered Cashback Credit Card – The Tiered cashback credit card offers more cashback on transactions under certain category purchases. While they offer more cashback on the specified category transactions, they also offer cashback on other transactions as well.
Rotating Cashback Credit Card - The Rotating cashback credit card is one of the trickiest credit card options. An individual who owns a Rotating cashback credit card is eligible to avail cashback on every category transaction. However, the trick is banks rotate the cashback categories quarterly.

Benefits of Cashback Credit Cards

The ownership of cashback credit cards comes with some benefits –

Convenient Transaction – With cashback credit cards, an individual has the convenience of making transactions anytime without worrying about the current bank balance. The card generates a bill of the amount that has to be repaid to the bank.
Systematic Records – The cashback credit card records your transactions in a detailed format and issues a monthly statement for its users. The systematic record enables the customers to plan their spending according to their financials.
Memberships – The cashback credit cards also offer memberships of various clubs and platforms. These memberships help the card user to avail of additional benefits and services apart from the cashback.

Top Cashback Credit Cards in India

Here is a list of top cashback credit cards in 2021

Credit Card	Annual Fees	Perks	Reward Redemption
Citibank Cashback Credit Card	Rs 500/-	5% cashback on utility bills, movies, dining, etc.	The reward points are generally adjusted in the monthly statements.
HDFC Bharat Cashback Credit Card	Rs 500/- (the annual maintenance charges will be waived off if the yearly transacted amount exceeds Rs 50,000/-	5% cashback on utility bills, travel bookings, mobile recharges, etc 1% cashback on fuel refills	The reward points are generally adjusted in the monthly statements.
HDFC Moneyback Credit Card	Rs 500/-	Accidental death insurance 1% cashback on fuel refill Reward points on online shopping with partner brands	The reward points can be redeemed in the form of cash. (100 points = Rs 20/-)
Kotak Delight Platinum Cashback Credit Card	Rs 300/-	10% cashback on dining. Rs 750/- cashback or free movie tickets on transactions above 1.25 Lakhs in six months. 1% cashback on fuel refill	The reward points will be adjusted in the monthly statements.
Standard Chartered Manhattan Platinum Cashback Credit Card	Rs 1000/-	5% cashback on groceries. Discounts on travel, utility bills, dining, etc. Reward points at retail counters	The reward points can be adjusted in the form of vouchers and discounts.
Axis My Zone Cashback Credit Card	Rs 500/-	25% cashback on movie tickets and online shopping with partnered brands Free lounge access in Indian airports	The reward points can be adjusted in the form of vouchers and discounts.

How to Apply for a Cashback Credit Card on the Bajaj Markets App?

To apply for a cashback credit card on the Bajaj Markets app –

Download the Bajaj Markets app from Google Play Store or Apple App Store for your device.
If you are a new user, create an account on the Bajaj Markets app. Enter mobile number and birthdate.
The Bajaj Markets app will send an OTP on the registered mobile number for verification. Enter the OTP to complete the process
Now, you will be directed to the homepage of the Bajaj Markets app. Click on ‘Card’ at the top of the screen.
Scroll down to check out the list of partner banks with the Bajaj Markets app. Select a bank for a cashback credit card.
The list of cashback credit cards under specific banks will be displayed on the screen. You can choose a credit card according to your financial goals and needs. Click ‘apply’
The Bajaj Markets app will ask for details for your cashback credit card application like profession, Residence status, business type, turnover, etc.
Upload the required documents like ID proof, income proof, etc.
Submit your application. The Bajaj Markets app will verify your cashback credit card application and send your credit card to your registered email address.