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Difference Between Cashback Credit Card vs Points


Credit cards are one of the savings modes for many individuals. People use credit cards not only to get a high credit limit but also to earn cashbacks and points. The offers on the credit card help the individual to save a lot of extra bucks from the day-to-day expenses. You can earn cashback on various products and accumulate points using a credit card. You can later redeem those points on the official shopping website of your respective credit card. But many individuals are confused between the Cashback Credit Card and Points, which benefit can be more fruitful to them. So, you must understand the difference between these two benefits and see which one is easy to earn and which one saves more.

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Comparison of Cashback Credit Card and Points

You must compare these two benefits in the table given below and see which feature of the credit card will save some extra money from your expenses.

How Cashback Credit Card and Points Works?

If you have a cashback offer of 20% on mobile phones with a minimum transaction of ₹5000 and you have bought a mobile phone worth ₹10000 then you will get a cashback of 20% that is ₹2000. You will pay ₹10000 at the time of making the transaction and the cashback will be credited immediately or sometimes after 90 days to your account. The number of days might differ according to the offers.

 If any of your credit cards has an offer to earn 2 points on every ₹100 on mobile purchases and you have bought a mobile phone of ₹10000 then you are entitled to earn 200 points. These points are redeemable on the official reward point redemption website of your respective credit card.


You have seen the difference between the cashback credit card vs points and now you can figure out which benefit can be more fruitful. On the other hand, there are varieties of credit cards that have both offers and allow you to save some money on various transactions.


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