Top 5 Cashback Credit Cards for Youngsters


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Credit cards have become an integral part of modern financial management, offering convenience, security, and various perks. For youngsters, especially those who are new to the world of credit cards, cashback credit cards are a popular choice. These cards allow you to earn back a percentage of your spending as cash, providing a tangible benefit for every swipe. In this article, we’ll explore the top 5 cashback credit cards that are ideal for youngsters, along with insights ways to get instant credit card to kickstart your financial journey.

The Appeal of Cashback Credit Cards

Cashback credit cards are a hit among youngsters for several reasons:

  1. Tangible Rewards: Cashback is straightforward and tangible. You can see the savings directly on your credit card statement.
  2. Everyday Expenses: Cashback cards often reward you for everyday spending categories like groceries, dining, and fuel, making them practical for young adults.
  3. Financial Literacy: Using a cashback credit card encourages financial responsibility and budgeting skills.
  4. Building Credit: Responsible credit card usage can help youngsters build a positive credit history, which is crucial for future financial endeavors.

How to Get an Instant Credit Card

Getting a credit card, including a cashback credit card, has become easier with the option to apply for an instant credit card online. Here’s how you can do it:

  1. Research: Start by researching different credit card options, considering factors such as cashback rates, annual fees, and eligibility criteria.
  2. Choose a Card: Select the best cashback credit card that aligns with your spending habits and financial goals.
  3. Apply Online: Visit the website of the credit card issuer and navigate to the credit card application section. Fill out the online application form with accurate personal and financial details.
  4. Upload Documents: You’ll typically need to provide Know Your Customer (KYC) documents, proof of income, and identity/address proofs. Ensure you have these documents ready for upload.
  5. Application Review: The credit card issuer will review your application and documents. If everything is in order, you may receive instant approval.
  6. Card Delivery: Upon approval, the credit card will be issued and delivered to your registered address. You’ll also receive your Personal Identification Number (PIN) separately for security.
  7. Activation: Once you receive your credit card, follow the activation instructions provided, usually by calling a customer service number or visiting the issuer’s website.

Now, let’s delve into the top 5 cashback credit cards suitable for youngsters:

  1. Citi Cashback Credit Card
  • Key Features:

– Up to 5% cashback on movie ticket purchases.

– 5% cashback on utility bill payments.

– 0.5% cashback on all other spends.

– Annual fee: Varies based on the issuing bank.

  • Why It’s Great for Youngsters:

The Citi Cashback Credit Card is an excellent choice for youngsters who enjoy movies and want to earn cashback on their entertainment expenses. It also offers cashback on utility bills, making it a practical choice for managing monthly expenses.

  1. HDFC Bank MoneyBack Credit Card
  • Key Features:

– 2 reward points for every ₹150 spent.

– Redeem reward points for cashback.

– Fuel surcharge waiver.

– Annual fee: Varies based on the issuing bank.

  • Why It’s Great for Youngsters:

The HDFC MoneyBack Credit Card is suitable for those who want to earn reward points and convert them into cashback. It’s a versatile card that offers benefits on various spending categories.

  1. Standard Chartered Super Value Titanium Credit Card
  • Key Features:

– 5% cashback on fuel, phone bills, and utility bill payments.

– 1% cashback on all other spends.

– Annual fee: Varies based on the issuing bank.

  • Why It’s Great for Youngsters:

This card is tailored for youngsters who want to save on fuel expenses and earn cashback on utility bill payments. It’s a practical choice for those who frequently use their credit cards for these purposes.

  1. ICICI Bank Instant Platinum Credit Card
  • Key Features:

– No annual fee.

– Instant approval and issuance.

– Introductory benefits on various categories.

– No income documents required for application.

  • Why It’s Great for Youngsters:

The ICICI Instant Platinum Credit Card is ideal for youngsters who are new to credit cards. It offers instant approval, has no annual fee, and provides introductory benefits, making it accessible and convenient.

  1. Axis Bank Neo Credit Card
  • Key Features:

– Discounts on dining, movies, and online shopping.

– Fuel surcharge waiver.

– Earn eDGE Loyalty Rewards Points.

– Annual fee: Varies based on the issuing bank.

  • Why It’s Great for Youngsters:

The Axis Bank Neo Credit Card caters to the lifestyle of youngsters, offering discounts on dining, movies, and online shopping. It also provides rewards points that can be redeemed for cashback or other benefits.

Tips for Maximizing Cashback Benefits

To make the most of your cashback credit card, consider these tips:

  1. Understand the Cashback Categories: Familiarize yourself with the specific spending categories that earn you cashback. Use your card for expenses that fall within these categories.
  2. Pay on Time: Ensure you pay your credit card bill on time to avoid late payment fees and interest charges.
  3. Redeem Cashback Regularly: Many cashback credit cards allow you to redeem your cashback as a statement credit or bank transfer. Don’t let your cashback rewards accumulate for too long; use them to offset your monthly bills.
  4. Keep an Eye on Promotions: Credit card issuers often run promotions and offers that can boost your cashback earnings. Keep an eye out for these and take advantage of them.
  5. Stay Within Your Budget: While earning cashback is appealing, it’s essential to stay within your budget and not overspend to earn rewards.


Cashback credit cards offer a tangible and rewarding way for youngsters to manage their finances while enjoying the perks of credit card usage. With the option to get an instant credit card online, applying for and receiving your cashback credit card has never been more accessible.

Remember to choose a card that aligns with your spending habits and financial goals. Whether you prefer cashback on dining, movies, fuel, or all of the above, there’s a cashback credit card that’s perfect for your lifestyle. By using your card responsibly and following the tips for maximizing cashback benefits, you can make the most of your credit card and enjoy financial rewards with every purchase.


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