For example, HDFC Women's Gold Credit Card provides as much as 5 percent cash back* on all grocery and medical purchases.

(* Subjected to condition that the statement balance for that month is above Rs 20000. Cardholders can earn up to Rs 1000 as cash back per month, which is credited in the card account in the subsequent month.)

The Citibank Cash Back Credit Card holders can earn Re. 1 as cash back for every Rs. 200 spent using the card. These cash back earnings can be redeemed once the more than Rs. 250 cash back are earned.

The ABN-AMRO One Credit Card offers cash back on all types of purchases. The card offers 1 percent cash back on monthly spends up to Rs. 5000. The cash back on monthly spends between Rs. 5000 to 10,000 is 1.5%. On purchases above 10,000, the card offers cash back of 2%. The maximum cash back that can be earned in a month cannot exceed Rs.500, which is Rs.6000 on annualised basis. The card also offers cash back of 1% on international retail and cash transactions and 2% on utility bills payment made using the bank's Smart Pay payment facility.

The Standard Chartered Business Gold Card offers 5% cash back on Fuel and Telephone Bills and 1% cash back on all Other Transactions.