{"id":6680,"date":"2026-03-26T19:15:00","date_gmt":"2026-03-26T13:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6680"},"modified":"2026-03-26T17:38:54","modified_gmt":"2026-03-26T12:08:54","slug":"top-6-mid-tier-credit-cards-to-earn-up-to-1300-cashback-every-month","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-6-mid-tier-credit-cards-to-earn-up-to-1300-cashback-every-month\/","title":{"rendered":"Top 6 Mid-Tier Credit Cards to Earn Up to \u20b91,300 Cashback Every Month"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Synopsis:<\/strong> These cashback-focused credit cards have monthly value through high returns on everyday spending like utilities, food delivery, and online shopping. The system provides customers up to 10\u201325% cashback with specific limits, which customers can use to save money through planned usage.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>In today\u2019s spending-driven lifestyle, the correct credit card selection process will lead to reduced monthly costs through cashback benefits, which apply to regular expenditures. The SBI Cashback card, Airtel Axis card, and HDFC Millennia card provide users with instant cashback rewards when they make essential purchases through online shopping and utility bill payments and food delivery services. Users who use their cards according to cashback limits can save more through strategic card usage.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3156796108\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-cashback-sbi-card\" style=\"font-size:22px\"><strong>1. <a href=\"https:\/\/bitli.in\/k5i9c0d\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cashback SBI Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/SBI-Cashback-Credit-Card-1024x683.jpg\" alt=\"SBI Cashback Credit Card\" class=\"wp-image-6684\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/SBI-Cashback-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/SBI-Cashback-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/SBI-Cashback-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual Fee: \u20b9999 + taxes<\/li>\n\n\n\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n\n\n\n<li><strong>Benefits<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on online spends&nbsp;<\/li>\n\n\n\n<li>1% cashback on other spends<\/li>\n\n\n\n<li>High monthly cashback cap (up to \u20b95,000)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <a href=\"https:\/\/bitli.in\/k5i9c0d\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-airtel-axis-bank-credit-card\" style=\"font-size:22px\"><strong>2<\/strong>.<strong> <a href=\"https:\/\/bitli.in\/HJP0bZ4\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Airtel Axis Bank Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Airtel-Axis-Bank-Credit-Card-1024x683.jpg\" alt=\"Airtel Axis Bank Credit Card\" class=\"wp-image-6686\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Airtel-Axis-Bank-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Airtel-Axis-Bank-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Airtel-Axis-Bank-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual Fee: \u20b9500 + taxes<\/li>\n\n\n\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n\n\n\n<li><strong>Benefits<\/strong>\n<ul class=\"wp-block-list\">\n<li>25% cashback on Airtel recharges \u2013 capped \u20b9250\/month<\/li>\n\n\n\n<li>10% cashback on utility bill payments \u2013 capped \u20b9250\/month<\/li>\n\n\n\n<li>10% cashback on partner merchants (Swiggy, Zomato, BigBasket) \u2013 capped \u2013 capped \u20b9500\/month<\/li>\n\n\n\n<li>1% cashback on other spends&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/HJP0bZ4\">Official Website<\/a><\/strong><\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3828781821\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-hdfc-millennia-credit-card\" style=\"font-size:22px\"><strong>3. <a href=\"https:\/\/bitli.in\/4pyQJDx\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Millennia Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Millennia-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6688\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Millennia-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Millennia-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Millennia-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual Fee: \u20b91000 + taxes<\/li>\n\n\n\n<li>Fee Waiver: Spend \u20b9100,000\/year<\/li>\n\n\n\n<li><strong>Benefits<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on select online merchants (Amazon, Flipkart, Swiggy, Tata CLiQ, Uber, BookMyShow, etc.) up to 1,000 CashPoints per cycle<\/li>\n\n\n\n<li>1% cashback on other spends up to 1,000 CashPoints per cycle<\/li>\n\n\n\n<li>Up to 10% cashback across 200+ brands via SmartBuy\/PayZapp Shop<\/li>\n\n\n\n<li>pCashback is credited as CashPoints, which can be redeemed against your statement balance, where 1 CashPoint = \u20b91.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/4pyQJDx\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-605654091\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-axis-bank-ac-e-credit-card\" style=\"font-size:22px\"><strong>4. <a href=\"https:\/\/bitli.in\/JE29Cxl\">Axis <\/a><a href=\"https:\/\/bitli.in\/JE29Cxl\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bank AC<\/a><a href=\"https:\/\/bitli.in\/JE29Cxl\">E Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-Bank-ACE-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6689\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-Bank-ACE-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-Bank-ACE-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-Bank-ACE-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual Fee: \u20b9499 + taxes<\/li>\n\n\n\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n\n\n\n<li><strong>Benefits&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on utility bill payments (via eligible platforms)<\/li>\n\n\n\n<li>4% cashback on Swiggy, Zomato, and Ola<\/li>\n\n\n\n<li>1.5% cashback on other spends (no cap on this component).<\/li>\n\n\n\n<li>The combined monthly cap on the 5% + 4% categories is \u20b9500 cashback per statement cycle<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/JE29Cxl\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-swiggy-hdfc-bank-credit-card\" style=\"font-size:22px\"><strong>5. Swiggy HDFC Bank Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Swiggy-HDFC-Bank-Credit-Card-1-1024x683.jpg\" alt=\"\" class=\"wp-image-6690\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Swiggy-HDFC-Bank-Credit-Card-1-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Swiggy-HDFC-Bank-Credit-Card-1-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Swiggy-HDFC-Bank-Credit-Card-1-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual Fee: \u20b9500 + taxes<\/li>\n\n\n\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% cashback on Swiggy (Food, Instamart, Dineout, Genie)&nbsp; \u2013 capped \u20b91,500\/month<\/li>\n\n\n\n<li>5% cashback on online spends \u2013 capped \u20b91,500\/month<\/li>\n\n\n\n<li>1% cashback on other spends \u2013 capped \u20b9500\/month<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-hsbc-live-credit-card\" style=\"font-size:22px\"><strong>6<\/strong>. <strong>HSBC Live+ Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-Live-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6691\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-Live-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-Live-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-Live-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual Fee: \u20b9999 + taxes<\/li>\n\n\n\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-0\"><strong>Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% cashback on dining, groceries &amp; food delivery, capped \u20b91,000\/month<\/li>\n\n\n\n<li>1.5% unlimited cashback on other spends&nbsp;<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read<\/strong>: <a href=\"https:\/\/tradebrains.in\/money\/9-best-credit-cards-offering-complimentary-lounge-access-with-no-minimum-spend-requirement\/\" target=\"_blank\" rel=\"noreferrer noopener\">9 Best Credit Cards Offering Complimentary Lounge Access with No Minimum Spend Requirement<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-example-estimated-monthly-cashback-by-card-and-spending-category\" style=\"font-size:22px\"><strong>Example: Estimated Monthly Cashback by Card and Spending Category<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Monthly Spend<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>SBI Cashback<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Airtel Axis<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>HDFC Millennia<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Axis ACE<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Swiggy HDFC<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>HSBC Live+<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Online Shopping<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b914,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9700 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9140 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9700 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9210 (1.5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9210 (1.5%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Groceries<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b95,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b975 (1.5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Food &amp; Dining<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b95,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9200 (4%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Utilities<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b95,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9250 (10%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9250 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Other Spends<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b96,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b990 (1.5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b990 (1.5%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total Savings<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b935,000<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9860<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9950<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9860<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9825<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b91,100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b91,300<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Note: Make use of the card as per its top cashback categories and up to the monthly limit. This way, savings start without your knowing.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-card-for-your-spending-pattern\" style=\"font-size:22px\"><strong>Best Card for Your Spending Pattern<\/strong><\/h2>\n\n\n\n<p>Online shoppers should use SBI Cashback and HDFC Millennia as their preferred payment method, while Swiggy HDFC and HSBC Live+ serve people who frequently order food and use delivery services. The best options for utility and bill payments are Airtel Axis and Axis ACE. The combination of two cards, which includes SBI Cashback and Swiggy HDFC, enables users to achieve maximum rewards while maintaining monthly savings.&nbsp;<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2106774400\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>You can save every month through a credit card selection that matches your spending patterns and your use of cards within cashback limits. You should distribute your expenses across various spending categories while using multiple cards to achieve the highest cashback rates. The careful application of spending methods transforms common purchases into substantial savings.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Ameet S<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: These cashback-focused credit cards have monthly value through high returns on everyday spending like utilities, food delivery, and online shopping. The system provides customers up to 10\u201325% cashback with specific limits, which customers can use to save money through planned usage. In today\u2019s spending-driven lifestyle, the correct credit card selection process will lead to [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":6699,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><em><strong>Synopsis:<\/strong> These cashback-focused credit cards have monthly value through high returns on everyday spending like utilities, food delivery, and online shopping. The system provides customers up to 10\u201325% cashback with specific limits, which customers can use to save money through planned usage.<\/em><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:paragraph -->\n<p>In today\u2019s spending-driven lifestyle, the correct credit card selection process will lead to reduced monthly costs through cashback benefits, which apply to regular expenditures. The SBI Cashback card, Airtel Axis card, and HDFC Millennia card provide users with instant cashback rewards when they make essential purchases through online shopping and utility bill payments and food delivery services. Users who use their cards according to cashback limits can save more through strategic card usage.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-1-sbi-cashback-credit-card\" style=\"font-size:22px\"><strong>1. SBI Cashback Credit Card<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6684,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/SBI-Cashback-Credit-Card-1024x683.jpg\" alt=\"SBI Cashback Credit Card\" class=\"wp-image-6684\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining &amp; Annual Fee: \u20b9999 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Benefits<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>5% cashback on online spends&nbsp;<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashback on other spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>High monthly cashback cap (up to \u20b95,000)<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-2-airtel-axis-bank-credit-card\" style=\"font-size:22px\"><strong>2<\/strong>. <strong>\u00a0Airtel Axis Bank Credit Card<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6686,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Airtel-Axis-Bank-Credit-Card-1024x683.jpg\" alt=\"Airtel Axis Bank Credit Card\" class=\"wp-image-6686\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining &amp; Annual Fee: \u20b9500 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Benefits<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>25% cashback on Airtel recharges \u2013 capped \u20b9250\/month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>10% cashback on utility bill payments \u2013 capped \u20b9250\/month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>10% cashback on partner merchants (Swiggy, Zomato, BigBasket) \u2013 capped \u2013 capped \u20b9500\/month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashback on other spends&nbsp;<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-3-hdfc-millennia-credit-card\" style=\"font-size:22px\"><strong>3. HDFC Millennia Credit Card<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6688,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Millennia-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6688\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining &amp; Annual Fee: \u20b91000 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fee Waiver: Spend \u20b9100,000\/year<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Benefits<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>5% cashback on select online merchants (Amazon, Flipkart, Swiggy, Tata CLiQ, Uber, BookMyShow, etc.) up to 1,000 CashPoints per cycle<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashback on other spends up to 1,000 CashPoints per cycle<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Up to 10% cashback across 200+ brands via SmartBuy\/PayZapp Shop<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>pCashback is credited as CashPoints, which can be redeemed against your statement balance, where 1 CashPoint = \u20b91.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-4-axis-bank-ace-credit-card\" style=\"font-size:22px\"><strong>4. Axis Bank ACE Credit Card<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6689,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-Bank-ACE-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6689\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining &amp; Annual Fee: \u20b9499 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Benefits\u00a0<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>5% cashback on utility bill payments (via eligible platforms)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>4% cashback on Swiggy, Zomato, and Ola<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1.5% cashback on other spends (no cap on this component).<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The combined monthly cap on the 5% + 4% categories is \u20b9500 cashback per statement cycle<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-5-swiggy-hdfc-bank-credit-card\" style=\"font-size:22px\"><strong>5. Swiggy HDFC Bank Credit Card<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6690,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Swiggy-HDFC-Bank-Credit-Card-1-1024x683.jpg\" alt=\"\" class=\"wp-image-6690\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining &amp; Annual Fee: \u20b9500 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-2\"><strong>Benefits<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>10% cashback on Swiggy (Food, Instamart, Dineout, Genie)&nbsp; \u2013 capped \u20b91,500\/month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>5% cashback on online spends \u2013 capped \u20b91,500\/month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashback on other spends \u2013 capped \u20b9500\/month<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-6-hsbc-live-credit-card\" style=\"font-size:22px\"><strong>6<\/strong>. <strong>HSBC Live+ Credit Card<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6691,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-Live-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6691\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining &amp; Annual Fee: \u20b9999 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fee Waiver: Spend \u20b9200,000\/year<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-3\"><strong>Benefits<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>10% cashback on dining, groceries &amp; food delivery, capped \u20b91,000\/month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1.5% unlimited cashback on other spends&nbsp;<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-example-estimated-monthly-cashback-by-card-and-spending-category\" style=\"font-size:22px\"><strong>Example: Estimated Monthly Cashback by Card and Spending Category<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:table {\"hasFixedLayout\":false,\"className\":\"is-style-stripes\"} -->\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Monthly Spend<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>SBI Cashback<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Airtel Axis<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>HDFC Millennia<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Axis ACE<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Swiggy HDFC<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>HSBC Live+<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Online Shopping<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b914,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9700 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9140 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9700 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9210 (1.5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9210 (1.5%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Groceries<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b95,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b975 (1.5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Food &amp; Dining<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b95,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b950 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9200 (4%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9500 (10%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Utilities<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b95,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9250 (10%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9250 (5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b90<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Other Spends<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b96,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b990 (1.5%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b960 (1%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b990 (1.5%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total Savings<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b935,000<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9860<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9950<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9860<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b9825<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b91,100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20b91,300<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n<!-- \/wp:table -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p>Note: Make use of the card as per its top cashback categories and up to the monthly limit. This way, savings start without your knowing.<\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-best-card-for-your-spending-pattern\" style=\"font-size:22px\"><strong>Best Card for Your Spending Pattern<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Online shoppers should use SBI Cashback and HDFC Millennia as their preferred payment method, while Swiggy HDFC and HSBC Live+ serve people who frequently order food and use delivery services. The best options for utility and bill payments are Airtel Axis and Axis ACE. The combination of two cards, which includes SBI Cashback and Swiggy HDFC, enables users to achieve maximum rewards while maintaining monthly savings.\u00a0<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You can save every month through a credit card selection that matches your spending patterns and your use of cards within cashback limits. You should distribute your expenses across various spending categories while using multiple cards to achieve the highest cashback rates. The careful application of spending methods transforms common purchases into substantial savings.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p>Written by Ameet S<\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[684,651,2302,616],"ppma_author":[1013],"class_list":["post-6680","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-cashback-credit-cards","tag-credit-card","tag-high-cashback-credit-cards","tag-reward-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 6 Mid-Tier Credit Cards to Earn Up to \u20b91,300 Cashback Every Month<\/title>\n<meta name=\"description\" content=\"These cashback-focused credit cards have monthly value through high returns on everyday spending like utilities, food delivery, and online shopping. The system provides customers up to 10\u201325% cashback with specific limits, which customers can use to save money through planned usage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/top-6-mid-tier-credit-cards-to-earn-up-to-1300-cashback-every-month\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top 6 Mid-Tier Credit Cards to Earn Up to \u20b91,300 Cashback Every Month\" \/>\n<meta property=\"og:description\" content=\"These cashback-focused credit cards have monthly value through high returns on everyday spending like utilities, food delivery, and online shopping. 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