Most cards sold as cashback cards in India do not pay cashback. They pay points, coins or a wallet balance that you must go and convert, sometimes for a fee, above a minimum threshold, under a monthly ceiling, before an expiry date. On a card you use lightly, a good share of that value quietly never reaches you.
So this guide sorts the market by one test before it sorts by rate. Does money arrive on your statement by itself, or is there a conversion step? Every card below carries that verdict in the first row of its table. Not one page currently ranking for this keyword makes the distinction, and several of them list points cards inside a cashback roundup with no caveat at all.
We also cover the two things that decide your actual return more than the headline percentage does: the monthly cap, which most spenders fill within days, and the exclusion list, which now covers most of an ordinary household budget. Then eight cards, honestly labelled.
First, a Test: Is It Actually Cashback?
Four questions separate a real cashback card from a points card wearing the label. Ask them before you compare a single rate.
Is There a Conversion Step?
True cashback posts to your statement by itself. You do nothing. A points card requires you to log in, find the redemption screen and convert. That step is where most unclaimed value dies, because people forget, or the balance never feels big enough to bother with.
Is There a Fee, a Floor or a Monthly Ceiling?
Several issuers charge a fee for each redemption request that converts points into statement credit. Several impose a minimum balance before redemption is possible at all. At least one now caps how much you may convert to statement credit per card per calendar month, which can strand a large balance for months. None of that exists on a true cashback card.
Does It Expire?
Reward points typically lapse after two to three years, and some brand currencies expire on a rolling twelve month basis or on inactivity. True cashback cannot expire, because it is money that has already reduced your bill.
Can It Ever Become Money at All?
This is the one nobody asks. Some currencies are permanently locked to an ecosystem. Coins earned on a retail group card can only be spent inside that group. A marketplace balance can only be spent on that marketplace. Neither can ever be converted to statement credit or transferred to your bank. Those are discounts, not cashback.
Why Issuers Prefer the Second Kind
Because a meaningful share of points issued are never redeemed. Expiry, floors, fees and friction all work in the issuer favour, and every one of them is disclosed in the reward terms rather than in the advertisement. That is not a scandal, it is the business model, and it is why the first row of every table below states which kind you are getting.
Best Cashback Credit Card in India: Quick Comparison
Read the cashback type first. On this page it matters more than the percentage.
| Credit Card | Best For | Key Benefit | Apply |
|---|---|---|---|
| SBI Cashback Credit Card | Best True Cashback Card Overall | Money lands on your statement automatically with no redemption step | Apply |
| Axis Cashback Credit Card | Best Second True Cashback Card | Real statement cashback, useful once your first card is capped out | Apply |
| HDFC Pixel Play Credit Card | Best Free Card in the Cashback Category | Lifetime free, and you choose which merchants earn the top rate | Apply |
| Kotak Cashback Plus Credit Card | Best for Food Delivery and Online Groceries | Accelerated cashback that follows the category, not a merchant list | Apply |
| HDFC Millennia Credit Card | Best Broad Coverage Across Big Online Merchants | A high rate at around ten named sites, if you will actually redeem | Apply |
| Axis Flipkart Credit Card | Best for One Platform Group | Genuine cashback credited to the card, not marketplace currency | Apply |
| HDFC Swiggy Ornge Credit Card | Best for Food Delivery and Quick Commerce | Cashback auto adjusted against your outstanding balance | Apply |
| AU Bank Altura Plus Credit Card | Best Illustration of Cap Over Rate | A decent headline rate that a small cycle cap fills almost immediately | Apply |
The 8 Best Cashback Credit Cards in India
Ordered by realised value rather than headline rate, with the currency and the redemption route stated for each.
1. SBI Cashback Credit Card – Best True Cashback Card Overall
This is the card that defines the category, because the cashback is actually cash. It posts to your statement within a couple of working days of the cycle with no redemption step, no catalogue, no minimum threshold and no expiry. That sounds like a small distinction until you compare it with the rest of this list, where most of the cashback is really points you have to go and convert.
You must know what changed on the first of April 2026, because every article still ranking for this keyword describes the previous version. The per cycle ceiling was reduced, digital gaming, tolls and government transactions were added to an already long exclusion list, and, most importantly, the allowance was split into separate online and offline pots. Before that change an unused offline allowance effectively cushioned a heavy online month. It no longer does, so a single sale week now exhausts the online pot on its own.
| Specification | Details |
|---|---|
| Cashback Type | True cashback, credited automatically to your statement |
| Where It Earns Most | Almost every online merchant, no whitelist |
| Cap and Split | Capped per cycle, and split into separate online and offline pots since April 2026 |
| Base Rate | Small rate on offline spends |
| What Earns Nothing | Utilities, insurance, fuel, rent, wallet, education, jewellery, railways, tolls, government, EMI, gaming |
| Fee and Waiver | Annual fee, waived on annual spends |
👍 Pros
- ✓ Genuine cashback, credited automatically with no redemption
- ✓ No merchant whitelist, so mixed carts earn cleanly
- ✓ Nothing expires and there is no minimum to reach
- ✓ Still the highest online rate we can offer
👎 Cons
- ✗ Longest exclusion list here, widened in April 2026
- ✗ Online and offline allowances are now separate pots
- ✗ Offline spending earns only a small base rate
2. Axis Cashback Credit Card – Best Second True Cashback Card
The single biggest limitation on a cashback card is the monthly ceiling, and the only real fix is a second card. This is the strongest true cashback alternative we can offer, which makes it the natural partner rather than a competitor. Like the card above it pays actual money to your statement rather than points, so there is no redemption step and no expiry to manage on either card.
Its structure differs in a useful way: the rate steps up through tiers as your monthly online spending grows, which means a heavy spender earns more here than on a flat rate card, and it keeps a small uncapped rate on offline and travel spends. The catch is that the waiver target is high and excludes categories like rent and wallet loads from counting toward it. There are also recurring reports of genuine online transactions being tagged as offline, which quietly costs the accelerated rate.
| Specification | Details |
|---|---|
| Cashback Type | True cashback, credited to the statement |
| Where It Earns Most | Online spends, on a tiered rate that rises with volume |
| Cap and Split | Tier ceilings apply, plus a small uncapped offline rate |
| Base Rate | Small uncapped rate on offline and travel spends |
| What Earns Nothing | Transport and tolls, insurance, education, jewellery, government, wallet, rent, fuel |
| Fee and Waiver | Annual fee with a high waiver target that excludes several categories |
👍 Pros
- ✓ True cashback with no redemption step
- ✓ Tiered rate rewards genuinely heavy online spending
- ✓ Small uncapped rate on offline and travel
- ✓ Ideal second card once your first is capped
👎 Cons
- ✗ Only worthwhile at consistently high online volume
- ✗ Waiver target is high and excludes several categories
- ✗ Reports of online transactions tagged as offline
3. HDFC Pixel Play Credit Card – Best Free Card in the Cashback Category
If you want cashback without paying an annual fee, this is the strongest option here, and it solves the merchant list problem by letting you build your own. You select two accelerated cashback packs and nominate one e-commerce merchant, which means the top rate points at wherever you actually spend rather than at three sites a bank negotiated with. The base rate on everything outside your selections runs without a monthly ceiling, which is rare and valuable.
Be clear about the currency though, because this is where cashback cards get misread. What you earn are CashPoints, not money. They must be redeemed through the bank app, there is a minimum balance before you can redeem at all, and the conversion is a step you have to remember. That is meaningfully different from cash appearing on your statement by itself. Excellent value for a free card, provided you will actually go and collect it.
| Specification | Details |
|---|---|
| Cashback Type | CashPoints, redeemed through an app with a minimum threshold |
| Where It Earns Most | Two packs you select, plus one chosen online merchant |
| Cap and Split | Each pack capped separately per month, base rate uncapped |
| Base Rate | Uncapped on everything outside the chosen packs |
| What Earns Nothing | Fuel, rent, government payments, wallet loads, EMI |
| Fee and Waiver | Lifetime free on the deposit route |
👍 Pros
- ✓ Lifetime free with an uncapped base rate
- ✓ You choose the accelerated merchants yourself
- ✓ Packs can be changed as your spending changes
- ✓ RuPay variant supports UPI
👎 Cons
- ✗ Earns CashPoints, not automatic statement cash
- ✗ Redemption needs an app step and a minimum threshold
- ✗ Each pack carries its own monthly ceiling
4. Kotak Cashback Plus Credit Card – Best for Food Delivery and Online Groceries
Two things make this card genuinely different. Its accelerated earning follows the transaction category rather than a whitelist of named merchants, so most food delivery and online grocery services qualify without you checking whether your app made it onto a bank partnership list. And the base rate on everything else, including spending through UPI, is unlimited rather than capped, which is the right structure for a card you use every day.
It also still rewards fuel outright, which almost nothing else does in 2026. The honest caveat is the currency: what you earn are reward points with a one year expiry that must be redeemed on the issuer platform, not cash that arrives by itself. And the exclusion list is severe following the June 2025 changes, with rent, utilities, insurance, education and government payments all removed from earning entirely. Read it before you make this a primary card.
| Specification | Details |
|---|---|
| Cashback Type | Reward points with a one year expiry, redeemed on the issuer platform |
| Where It Earns Most | Online food delivery, online grocery, movies and streaming |
| Cap and Split | Accelerated cashback capped per billing cycle |
| Base Rate | Unlimited base cashback on other eligible spends, including UPI |
| What Earns Nothing | Rent, utilities, insurance, education, government, wallet, gaming, EMI |
| Fee and Waiver | Annual fee, waivable on a high annual spend |
👍 Pros
- ✓ Accelerator follows the category, not a merchant whitelist
- ✓ Unlimited base cashback including on UPI spends
- ✓ Still rewards fuel, which is rare in 2026
- ✓ Covers food delivery and online grocery together
👎 Cons
- ✗ Points expire after a year and need platform redemption
- ✗ Rent, utilities, insurance and education all excluded
- ✗ Accelerated cashback is capped each billing cycle
5. HDFC Millennia Credit Card – Best Broad Coverage Across Big Online Merchants
This is the card most Indian households already have, and whether it belongs in a cashback list depends entirely on where you shop. Its headline rate applies to a fixed list of around ten named online merchants and nowhere else. If your order history matches that list, the return is genuinely strong and the offline base rate is respectable too. If it does not, you are earning the base rate on most of your cart while believing otherwise.
The redemption friction is the part no competing article prices in. Converting CashPoints to a statement credit carries a fee, there is a minimum balance before you can redeem at all, there is a separate monthly ceiling on how much you may convert, and the points expire after two years. Add all four together and the realised return is meaningfully below the headline rate. Worth holding if the merchant list matches your life, worth knowing the friction either way.
| Specification | Details |
|---|---|
| Cashback Type | CashPoints, redeemable to statement credit for a fee |
| Where It Earns Most | A fixed whitelist of around ten large online merchants |
| Cap and Split | Accelerated earning capped per statement month |
| Base Rate | Modest rate on all other spends, online and offline |
| What Earns Nothing | Fuel, rent, government payments, wallet loads, gift cards, all EMI |
| Fee and Waiver | Annual fee, waived on annual spends |
👍 Pros
- ✓ Very high rate at the named merchants
- ✓ Widely held and easy to obtain
- ✓ Decent base rate on offline spending too
- ✓ Broad merchant coverage compared with single platform cards
👎 Cons
- ✗ Top rate applies only to a fixed merchant whitelist
- ✗ Redemption carries a fee, a floor and a monthly ceiling
- ✗ Points expire after two years
6. Axis Flipkart Credit Card – Best for One Platform Group
If a large share of your shopping goes through one platform group, a co-branded card beats a flat rate card comfortably, and this is the strongest such card we can offer. Crucially, what it pays is real cashback credited to your card account rather than marketplace currency you can only spend back inside the same site. That distinction separates it from several co-brands that look similar on paper.
The detail worth planning around is the cap cycle. This card caps accelerated earning per statement quarter rather than per month, which changes the verdict depending on how you shop. A quarterly cap absorbs a single heavy sale week beautifully, because you are not limited by one month allowance, but it then leaves you at the base rate for the rest of the quarter. A monthly capped flat rate card behaves in exactly the opposite way. Match the cycle to your buying rhythm.
| Specification | Details |
|---|---|
| Cashback Type | True cashback, credited to the credit card account |
| Where It Earns Most | The partner marketplace and its fashion sibling, plus preferred partners |
| Cap and Split | Capped per statement quarter rather than per month |
| Base Rate | Small rate on all other spends |
| What Earns Nothing | Wallet loads, gift cards, EMI conversion, rent, fuel, utilities, insurance |
| Fee and Waiver | Annual fee, waived on a high annual spend |
👍 Pros
- ✓ Real cashback to your card, not marketplace credit
- ✓ Highest rate available on its platform group
- ✓ Quarterly cap absorbs a big sale week
- ✓ Preferred partners extend the benefit beyond shopping
👎 Cons
- ✗ Base rate only outside the partner ecosystem
- ✗ Quarterly cap leaves a long gap after a heavy month
- ✗ Was reset in 2025, so older reviews overstate it
7. HDFC Swiggy Ornge Credit Card – Best for Food Delivery and Quick Commerce
For a household where dinner arrives at the door several times a week and the groceries arrive in ten minutes, this is the highest returning card on the page. It covers food delivery, instant grocery and restaurant reservations under the same accelerated rate, which is unusual because most cards treat those as three different categories with three different outcomes.
What makes it belong in a cashback article rather than a rewards one is the mechanism. The cashback is automatically adjusted against your outstanding balance rather than sitting as points waiting for you to redeem them, so there is no catalogue, no floor and no expiry to manage. Note that the card was split into two tiers during 2026, so check which one you are applying for, and that the top rate carries a minimum transaction condition which small orders may not meet.
| Specification | Details |
|---|---|
| Cashback Type | Cashback auto redeemed against your outstanding, no manual step |
| Where It Earns Most | Food delivery, quick commerce grocery and restaurant reservations |
| Cap and Split | Capped monthly, with a minimum transaction condition on the top rate |
| Base Rate | Modest rate on other online spends |
| What Earns Nothing | Fuel, rent, wallet loads, EMI conversion, government payments |
| Fee and Waiver | Annual fee, waivable on annual spends |
👍 Pros
- ✓ Cashback auto adjusts against your outstanding, no redemption
- ✓ Covers delivery, quick commerce and reservations together
- ✓ Highest return here for a food heavy household
- ✓ No expiry or redemption floor to manage
👎 Cons
- ✗ A minimum transaction condition applies to the top rate
- ✗ The product was split into tiers in 2026
- ✗ Little value if you rarely order in
8. AU Bank Altura Plus Credit Card – Best Illustration of Cap Over Rate
We have included this card partly on its merits and partly because it demonstrates the point this article keeps making better than any other card here. The headline rate looks competitive. The cycle cap is small enough that a typical month of everyday retail fills it within the first week, after which everything else earns the base rate. Judge it on the realised return rather than the advertised one and it sits exactly where we have placed it.
On its own terms it does two useful things. It explicitly names utility, telecom and insurance as earning categories, which in 2026 is genuinely uncommon, and the annual fee is low and waivable on ordinary spending. Two things to watch: BBPS is named as an exclusion, so bills paid through an aggregator routing via BBPS may earn nothing, and fuel earns no cashback despite the surcharge waiver applying at the pump.
| Specification | Details |
|---|---|
| Cashback Type | Reward points, redeemed through the issuer programme |
| Where It Earns Most | Everyday offline retail, plus named utility and telecom categories |
| Cap and Split | A small cycle cap that fills quickly |
| Base Rate | Modest rate beyond the cap |
| What Earns Nothing | Fuel, rent, BBPS routed bill payments, EMI, cash advances |
| Fee and Waiver | Low annual fee, waivable on spends |
👍 Pros
- ✓ Explicitly names utility, telecom and insurance as earning
- ✓ Low annual fee that is easy to waive
- ✓ Clear, readable terms with few surprises
- ✓ Railway lounge access included
👎 Cons
- ✗ A small cycle cap fills within the first week for most spenders
- ✗ BBPS routed bill payments earn nothing
- ✗ Rewards are points, not automatic statement cash
Why the Cap, Not the Rate, Decides What You Earn
The accelerated pot fills faster than people expect. On most cards here, an ordinary month of online spending exhausts the accelerated ceiling well before the month ends. Everything after that earns the base rate, which is usually a fraction of the headline.
Which means the headline rate is a ceiling, not a return. Two cards advertising very different rates can pay almost the same amount to the same person, because both stop at a similar cap. Comparing rates without comparing caps tells you nothing.
Split pots make it worse. When one allowance becomes two, as happened on the leading cashback card in April 2026, you can no longer let a quiet offline month subsidise a heavy online one. Each pot fills and stops independently.
Quarterly caps behave differently from monthly ones. A quarterly cap absorbs one big sale week comfortably and then leaves you at base rate for weeks. A monthly cap resets sooner but cannot handle a spike. Match the cycle to how you actually shop.
The practical answer is a second card. Once your primary card is capped for the cycle, a second true cashback card picks up the rest of the month at the accelerated rate. That is the single highest impact change most readers can make.
What Changed in 2025 and 2026: The Devaluation Cycle
Four dated events explain why most articles ranking for this keyword are describing cards that no longer exist in that form.
June 2025. One issuer removed fuel, rent, government payments, wallet loads and online gaming from earning across a range of cards, and applied monthly spend thresholds to the rest.
July 2025. Another added a percentage fee layer on rent, wallet loads, gaming, and on fuel and utility spending above monthly thresholds, along with category level reward caps including on insurance.
April 2026. The leading cashback card was rebuilt: cycle cap cut, allowance split into separate online and offline pots, and digital gaming, tolls and government transactions added to the exclusion list.
August 2026. A fourth issuer reclassified gift cards and excluded them portfolio wide from both earning and from spend based fee waiver counting, and stopped rewarding toll and road payments.
The pattern. Rates rarely fall. Caps tighten and exclusion lists grow, which achieves the same thing while leaving the advertised percentage intact. Expect more of it, and do not build a strategy around one card.
Categories That Earn Nothing on Almost Every Cashback Card
The near universal list. Rent, fuel, utilities, insurance premiums, education fees paid through third party apps, government payments and taxes, wallet loads, gift cards and vouchers, jewellery, and anything converted to instalments.
The partial ones. Utilities and telecom still earn on a small number of cards and are fee bearing above a monthly threshold on others. Groceries earn on some cards and sit outside the accelerated category on others, depending on how the merchant is coded.
What that leaves. Online shopping, food delivery, dining, travel bookings and general retail. Those five categories are where every card on this page actually competes, and where you should judge them.
The instalment trap. Converting a purchase to EMI after the fact removes it from earning on nearly every card here, so a shopper chasing both the instalment plan and the cashback usually ends up with neither.
Cards Listed as Cashback That Are Really Something Else
Several cards appear in cashback roundups across the first page of search results while paying something that is not cashback. Naming them is more useful than another ranking.
Cards paying into a marketplace balance. One extremely popular card pays into a shopping balance that cannot be redeemed as statement credit or transferred to a bank account. It is uncapped, it does not expire and it is lifetime free, all of which are genuinely good. It is still not cashback.
Cards paying an ecosystem currency. A retail group card pays coins spendable only inside that group, on a rolling expiry. Again useful, again not cashback.
Cards paying reward points at a fraction of a rupee. Several entry level cards from large issuers appear in cashback lists while paying points worth well under a rupee each, with a redemption fee and a two year expiry attached.
Cards paying gold. One card on our wider list credits earnings as digital gold. It never expires and needs no redemption, which is a real advantage, but its value moves with the gold price and it is not cash.
Why this matters. All of these can be good cards. None of them should be compared like for like against a card that puts money on your statement, and every list that does so is misleading its readers.
Strong Cashback Cards We Could Not Include
We can only help you apply for the cards above, and leaving out the rest would make this page less useful than it should be.
HSBC Live Plus is the most significant omission. It pays true cashback credited automatically to the card with no redemption step, and its accelerated rate covers dining, food delivery and groceries together, which is an unusually well matched combination for an Indian household. BOBCARD Cashback is the cleanest recent launch in the category, also auto credited to the statement with no redemption process, though it carries a minimum transactions per cycle condition. YES BANK PaisaSave pays points at parity with the rupee, redeemable to statement credit without a redemption fee, which puts it functionally close to true cashback. Axis ACE remains a solid older true cashback option now overtaken by newer cards.
And to repeat the honest note above: the Amazon Pay ICICI card belongs in the not really cashback section rather than in a winners list, however good it is on its own terms.
How to Choose, by Where Your Money Actually Goes
If you shop across many websites, take a flat rate true cashback card. Merchant lists will always disappoint a reader whose cart spans four sites.
If you shop mostly on one platform group, take the matching co-brand and check whether it pays real cashback or marketplace currency. The difference is worth more than the rate.
If you order food and groceries in, take the delivery focused card, which covers three related categories under one accelerated rate.
If you spend mostly offline, accept that cashback cards are built for online spending and pick for the base rate and the exclusion list rather than the headline.
If you want it to cost nothing, take the lifetime free option and accept an app redemption step in exchange for no annual fee.
And whatever you choose, hold two. One card capped mid month is the most common and most expensive mistake in this category.
How to Actually Collect Your Cashback
Check whether yours needs redeeming at all. If it does, set a calendar reminder for the same date each quarter. Unredeemed balances are the single largest source of lost value in this category.
Check the minimum before you try. Several programmes will not let you redeem below a threshold, so a small balance can sit unusable for months.
Check the monthly redemption ceiling. At least one issuer now limits how much you may convert to statement credit per month, which matters if you have accumulated a large balance.
Redeem before you close a card. Points are typically forfeited a short time after closure, and immediately if any amount is outstanding.
Never buy gift cards or convert to instalments if you want the cashback. Both remove the transaction from earning on essentially every card here.
Related Reads You Will Love
- Best Credit Card in India: The Complete Guide
- Best Rewards Credit Card in India
- Best EMI Card in India
- Best Credit Card for Online Shopping
- Best Co Branded Credit Card in India
Frequently Asked Questions
Which is the best cashback credit card in India right now, and does it actually pay cash?
The SBI Cashback card, and yes, it genuinely pays cash. The cashback is credited automatically to your statement within a couple of working days of the cycle, with no redemption step, no minimum threshold and no expiry. That is what separates it from most cards in this category, which pay points you must convert. It is a weaker card than it was before April 2026, when the cycle cap was cut and the allowance split into separate online and offline pots, but it remains the strongest true cashback option we can offer.
What is the difference between true cashback and CashPoints or reward points?
True cashback appears on your credit card statement as money, automatically, reducing what you owe. CashPoints and reward points are a currency the bank issues, which you must actively convert. Four things then apply that never apply to true cashback: a conversion fee at several issuers, a minimum balance before you can redeem at all, a monthly ceiling on how much you may convert, and an expiry date. Some currencies never become statement credit at all and can only be spent inside a specific ecosystem.
Do banks charge a fee to convert reward points into cashback or statement credit?
Several do. At least one large issuer charges a fee per redemption request to convert points into statement credit, and applies a separate handling fee for catalogue redemptions. Another requires redemption in fixed multiples and caps statement credit redemption per card per calendar month. These charges are disclosed in the reward terms rather than the marketing, and they are the main reason the realised return on a points based cashback card is lower than the headline rate suggests.
What changed on the SBI Cashback card in April 2026, and is it still the best cashback card?
Three things changed together. The cashback ceiling per statement cycle was reduced, the exclusion list was widened to add digital gaming, toll and government transactions on top of utilities, insurance, fuel, rent, wallet loads and education, and the allowance was split into separate online and offline pots. That last change is the one that alters behaviour, because an unused offline allowance no longer cushions a heavy online month. It is still the best true cashback card we can offer, but it is a materially weaker card than most articles describe.
Which spends never earn cashback on Indian credit cards?
A consistent list applies across almost every card: rent, fuel, utilities, insurance premiums, education fees paid through third party apps, government payments and taxes, wallet loads, gift card and voucher purchases, jewellery, and any transaction converted to instalments. Several issuers added digital gaming and toll payments during 2026. Taken together, that is a large share of an ordinary Indian household budget, which is why choosing a card by its exclusion list matters more than choosing it by its reward rate.
Final Verdict
The SBI Cashback card remains the best cashback credit card in India, for one reason above all others: the money arrives on your statement by itself. No redemption, no floor, no expiry, no catalogue. It is a weaker card than it was before April 2026, and its exclusion list is the longest here, but on the test this article applies it still wins.
If your online spending is heavy enough to cap that card mid cycle, add the Axis Cashback card as a genuine second true cashback option rather than duplicating the same ceiling. If you would rather pay no annual fee at all, the lifetime free HDFC Pixel Play card lets you choose your own accelerated merchants, provided you accept that its CashPoints need an app redemption step.
And carry the test with you. Before you compare a single percentage on any card, ask whether the money arrives by itself, whether there is a fee or a floor to reach it, and whether it expires. Those three answers will tell you more about what a cashback card is worth than the number on the front of the brochure.