Money a card credits back to your statement as a percentage of what you spend.
Cashback is simpler than reward points: 1% back is ₹1 for every ₹100, credited to the card account. Rates are usually higher at partner merchants and lower or zero on fuel, rent, utilities and wallet loads.
Most cashback cards cap what you can earn each month or each statement, so a high rate on a small cap can be worth less than a lower flat rate.
Short reads that explain how it works before you decide.
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →Automatically organise your spending, track expenses and understand where your money goes.
