Editorial Disclosure: The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. We may receive compensation from our partners if you apply through our links.
CardDirectory

How to Maximize Your Credit Card Cashback

By Rahul Sharma Updated: Jun 14, 2026

Cashback credit cards are the simplest way to get value back from your everyday spending. Follow these strategies to maximize your returns:

1. Use the Right Card for the Right Category

Use the SBI Cashback card for general online shopping (5% off) and the Amazon Pay ICICI card exclusively for Amazon purchases.

2. Pay Utility Bills via Specific Portals

Use cards like Axis Ace on Google Pay to get 5% flat cashback on electricity and broadband bills.

3. Combine Cards and Offers

Always check for instant discount offers during sales (like Amazon Great Indian Festival) which often provide an additional 10% off on top of your regular card rewards.

Written by Rahul Sharma

Financial Expert

Financial analyst with 10+ years of experience in credit card rewards and personal finance.

View Professional Profile