Last updated: 17 August 2026
What is Cashback?
Purchases par percentage wapas — ya to statement credit ya points. Examples: SBI Cashback 5%, HDFC Millennia 1-5%, Blue Cash Everyday 3% groceries, SmartEarn 5% categories.
Types of Cashback
- Flat: har purchase par (Cash Magnet 1.5%, Millennia 1%)
- Category: groceries/dining/gas par zyada (Blue Cash, SmartEarn)
- Rotating: har quarter alag category (Discover 5%)
- Online only: (SBI Cashback 5% online)
Maximize It
- Know your spending pattern — convert the statement to Excel and see category totals. Pay with the card that earns most on your biggest category. Track caps (e.g., SmartEarn ₹1,000/month cap)
Verify Cashback
Cashback tracking guide — formulas se expected cashback calculate karke statement se compare do.
Convert your statement — free!
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Frequently Asked Questions
Q: What is cashback on credit card?
A: Purchases par percentage wapas — statement credit ya points ke roop me. 1-10% depending on card aur category.
Q: How do I check my credit card cashback?
A: In the statement's rewards/cashback section — or track your spending in Excel and calculate it yourself.
⚠️ Important Note: Credit card rates, fees and rules vary by bank and card (and change over time). This guide is general information — confirm details with your bank's official statement, fee schedule or customer care. Our tool only helps extract your statement data into Excel — it does not provide financial advice. Poora disclaimer read.