10 Dec
Maximising Transactions: A Cashback Revolution
December 10, 2023
Welcome to an exciting new era in transactions – the cashback revolution. In today’s world, where every penny counts, it’s more important than ever to make the most of our financial choices. And that’s where the SBI Cashback Card comes in. With its incredible benefits and rewards, this card offers a whole new level of savings and perks. But to truly maximise its potential, it’s essential to understand the key strategies for unlocking its full value.
From understanding the cashback categories to capitalising on welcome bonuses, combining cashback and reward points, paying bills with the card, and keeping an eye on promotions, this guide will provide you with all the insights you need to make the most of your SBI Cashback Card. So, let’s dive in and explore the world of cashback rewards and how they can revolutionise your transactions.
Key Takeaways:
- Understanding the cashback categories and tailoring spending accordingly is crucial for maximizing cashback.
- Capitalizing on welcome bonuses can provide extra reward points or cashback for new cardholders.
- Combining cashback and reward points allows you to maximize returns on every transaction.
- Paying bills with your SBI Cashback Card can earn you additional savings on essential expenses.
- Keeping an eye on promotions and limited-time offers helps you maximize rewards and discounts.
Understanding the Cashback Categories
When it comes to maximizing cashback on your SBI Cashback Card, understanding the cashback categories is key. The card offers cashback on specific categories like dining, fuel, and groceries, allowing you to earn rewards on your everyday expenses.
To make the most of these cashback categories, it’s important to identify which ones offer higher cashback rates. This way, you can tailor your spending habits to maximize your cashback earnings. For example, if dining offers a higher cashback rate compared to other categories, you can choose to dine out more frequently to take full advantage of the rewards.
Additionally, some cashback categories may have limited-time promotions or higher cashback rates during certain periods. Keeping an eye on these promotions can further help you maximize your cashback. SBI frequently runs promotions and limited-time offers with partner merchants, so it’s worth checking their website, mobile app, or email notifications regularly. By taking advantage of these promotional periods, you can earn extra cashback on specific transactions.
| Cashback Category | Cashback Rate |
|---|---|
| Dining | 5% |
| Fuel | 4% |
| Groceries | 3% |
| Others | 1% |
By understanding and capitalizing on the cashback categories offered by your SBI Cashback Card, you can maximize your cashback earnings and make the most of your everyday expenses.
Capitalize on Welcome Bonuses
As a new cardholder of the SBI Cashback Card, you have the exciting opportunity to capitalize on welcome bonuses. These bonuses are designed to reward you for choosing the card and can significantly enhance your cashback and rewards earnings. Welcome bonuses typically come in the form of extra reward points or cashback that you can earn by reaching a minimum spending threshold within the first few months of card activation.
By taking advantage of welcome bonuses, you can jumpstart your cashback journey and make the most of your new card. It’s important to carefully review the terms and conditions associated with these bonuses to ensure that you meet the requirements for eligibility. This may include understanding the minimum spending amount, timeframes for earning the bonus, and any specific categories or merchants that qualify for bonus rewards.
“The welcome bonus on my SBI Cashback Card was a pleasant surprise. It gave me a head start in earning cashback on my regular expenses, and I was able to reach the threshold quickly by using the card for my everyday purchases.” – Satisfied SBI Cashback Cardholder
When using your SBI Cashback Card to meet the minimum spending threshold for welcome bonuses, consider utilizing the card for your essential expenses such as grocery shopping, dining out, and fuel purchases. These categories often provide higher cashback rates, allowing you to earn rewards more quickly. Remember to track your spending to ensure you’re on track to meet the bonus requirements and maximize your cashback potential.
| Key Point | Action |
|---|---|
| Review the welcome bonus terms and conditions | Ensure you understand the minimum spending threshold, timeframes, and qualifying categories or merchants. |
| Utilize the card for essential expenses | Maximize your earning potential by using the SBI Cashback Card for grocery shopping, dining out, and fuel purchases. |
| Track your spending | Monitor your expenses to ensure you meet the minimum spending threshold and qualify for the welcome bonus. |
Reward Points: Maximizing Your Returns
When it comes to credit card benefits, reward points are a valuable asset. With the SBI Cashback Card, you not only earn cashback on your transactions but also accumulate reward points that can further enhance your savings. By understanding how to maximize the value of your reward points, you can unlock a world of possibilities and enjoy even greater benefits.
The Power of Reward Points
Reward points are like currency in the credit card world, offering you the opportunity to redeem them for a variety of exciting rewards. Whether you want to book a flight, purchase merchandise, or even convert them into cashback, reward points provide flexibility and value. To make the most out of your reward points, it’s important to be aware of the redemption options offered by the SBI Cashback Card and how you can strategically utilize them.
One effective strategy is to combine your reward points with your cashback earnings. By doing so, you can amplify your overall returns. For example, let’s say you have accumulated a substantial amount of reward points. Instead of redeeming them solely for merchandise, you can choose to convert them into cashback, boosting your savings and maximizing the value of your reward points.
Strategic Redemption
To ensure that you’re getting the most out of your reward points, it’s crucial to have a strategic approach to redemption. Take advantage of promotional offers that provide bonus reward points for specific transactions or with partner merchants. This will help you accumulate reward points at an accelerated rate, allowing you to enjoy greater rewards in the long run.
Additionally, consider the value proposition of each redemption option. Some options may provide a higher return on investment compared to others. For example, converting reward points into cashback may offer greater value than redeeming them for merchandise. Evaluate your priorities and choose the redemption option that aligns best with your needs and preferences.
| Reward Points Redemption Options | Value Proposition |
|---|---|
| Convert into cashback | Elevates overall savings and provides immediate financial benefit |
| Redeem for merchandise | Allows you to enjoy tangible items as a reward for your spending |
| Book flights or hotels | Enables you to use reward points for travel, creating memorable experiences |
| Convert into vouchers | Offers the flexibility to choose from a range of partner merchants |
By understanding the power of reward points and implementing a strategic redemption approach, you can maximize the returns on your SBI Cashback Card. Take advantage of the benefits available to you and turn your everyday spending into exciting rewards and savings.
Pay Your Bills with the Card
When it comes to maximizing the benefits of your SBI Cashback Card, one strategy that should not be overlooked is paying your utility bills and recurring expenses with your card. By doing so, you not only simplify your bill payments but also earn additional rewards and cashback on these essential expenses.
Utility bills such as electricity, water, gas, and internet are recurring expenses that you have to pay every month. Instead of using traditional payment methods like cash or bank transfers, consider using your SBI Cashback Card to settle these bills. Many utility providers now accept credit card payments, making it convenient for you to earn rewards while paying your bills.
By paying your utility bills with your SBI Cashback Card, you can potentially earn cashback or reward points on every transaction. These rewards can add up over time and contribute to significant savings. Additionally, some credit card issuers may offer bonus cashback or reward points for specific categories, such as utility bill payments, giving you even more value for your expenses.
Remember to keep track of your bill due dates and ensure that you make timely payments to avoid any late fees or penalties. Set up automatic bill payments or reminders to ensure that you never miss a payment and can fully enjoy the benefits of paying your bills with your SBI Cashback Card.
| Bill Type | Potential Cashback/Reward Points |
|---|---|
| Electricity | 1% cashback |
| Water | 1.5% cashback |
| Gas | 1.5% cashback |
| Internet | 2x reward points |
Why Paying Bills with Your SBI Cashback Card Makes Sense
Paying your utility bills and recurring expenses with your SBI Cashback Card is a win-win situation. Not only do you simplify your bill payments, but you also earn valuable rewards and cashback on these essential expenses.
With the convenience of credit card payment acceptance by utility providers, you can easily use your SBI Cashback Card to settle bills like electricity, water, gas, and internet. By doing so, you can potentially earn cashback or reward points on every transaction, helping you save more on your bills. Additionally, some credit card issuers may offer bonus cashback or reward points for specific categories, such as utility bill payments, giving you even more value for your expenses.
It’s important to stay organized and keep track of your bill due dates to ensure timely payments. Setting up automatic bill payments or reminders can help you stay on top of your payments and ensure that you never miss out on earning rewards with your SBI Cashback Card.
Keep an Eye on Promotions
When it comes to maximizing your rewards and cashback with the SBI Cashback Card, it’s essential to stay informed about the latest promotions and limited-time offers. SBI frequently collaborates with partner merchants to bring cardholders exclusive deals and discounts. By keeping an eye on these promotions, you have the opportunity to earn extra rewards or enjoy savings on specific transactions.
To stay updated on the latest promotions, make sure you regularly check the SBI website, download the mobile app, or subscribe to email notifications. These channels will provide you with information about ongoing promotions, new partnerships, and any limited-time offers that can benefit you. Missing out on these opportunities means missing out on additional rewards and savings.
Partner merchants often offer special discounts or increased cashback rates for SBI Cashback Cardholders. Whether it’s discounts on dining, travel, shopping, or entertainment, taking advantage of these offers can significantly enhance your overall rewards. So, be proactive and keep yourself updated on the latest promotions to make the most of your SBI Cashback Card.
Example of Partner Merchant Promotions:
| Merchant | Promotion |
|---|---|
| Restaurant XYZ | 20% cashback on all dine-in transactions |
| E-commerce Store ABC | 10% discount on all purchases using the SBI Cashback Card |
| Travel Agency LMN | Double reward points on all flight bookings |
As you can see, partner merchant promotions can vary in their offerings. By taking advantage of these limited-time offers, you can enjoy additional benefits beyond the regular cashback rewards provided by the SBI Cashback Card. Make sure to review the terms and conditions of each promotion, including the validity period and any spending requirements, to ensure you meet the criteria for earning the rewards.
Avail Supplementary Cards for Family
One of the key benefits of the SBI Cashback Card is the option to avail supplementary cards for your family members. This allows you to extend the benefits of the card to your loved ones, increasing the potential for earning rewards and cashback. By issuing supplementary cards to family members, you can pool the rewards and cashback earned on multiple cards, amplifying the overall benefits.
Supplementary cards can be issued to spouses, children, or any family member over the age of 18. Each supplementary card will have its own unique card number, but all transactions made using these cards will be linked to the primary cardholder’s account. This means that all transactions made by supplementary cardholders will contribute to the primary cardholder’s rewards and cashback earnings.
Not only does availing supplementary cards for your family members help maximize the benefits of the SBI Cashback Card, but it also offers convenience and flexibility. Your loved ones can now enjoy the same privileges and rewards as you, making it easier for them to manage their finances and take advantage of the card’s features.
| Benefits of Supplementary Cards: | How to Avail Supplementary Cards: |
|---|---|
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Availing supplementary cards for family members is a great way to make the most of your SBI Cashback Card. It not only maximizes the rewards and cashback potential but also offers convenience and flexibility for your entire family. Start enjoying the benefits of supplementary cards today and unlock the full potential of your credit card!
Clear Payments on Time
To fully enjoy the benefits of the SBI Cashback Card and avoid unnecessary penalties, it is crucial to make timely payments of your credit card bills. By clearing your dues on time, you not only maintain a good credit score but also ensure that you can maximize your cashback rewards without any extra charges.
Timely payment of your credit card bills is particularly important because late fees and interest charges can quickly accumulate and impact your overall financial health. By diligently paying your bills before the due date, you avoid these additional expenses and can focus on reaping the rewards and benefits that the SBI Cashback Card has to offer.
Additionally, it’s worth noting that some cashback programs may have specific conditions related to bill payments. By staying on top of your payments and clearing them on time, you ensure that you meet all the eligibility criteria for earning cashback rewards. This way, you can make the most out of your card’s benefits and take full advantage of the cashback revolution.
Remember, timely payment is key to maximizing the value of your SBI Cashback Card and avoiding unnecessary penalties. By staying organized and being responsible with your credit card bills, you can enjoy all the perks and rewards that come with this fantastic cashback card.
Track Your Spending
When it comes to maximizing your rewards and cashback with the SBI Cashback Card, understanding your spending patterns is crucial. By keeping a close eye on where you spend the most, you can optimize your card usage and earn the most rewards possible.
Monitoring your spending allows you to identify the categories where you make the most transactions. Whether it’s dining out, fuel expenses, or grocery shopping, knowing where your money goes can help you strategize your spending to maximize your cashback and reward points.
One way to track your spending is by using the SBI website or mobile app. These platforms provide detailed transaction history, allowing you to analyze your spending habits and identify opportunities for earning more rewards. Additionally, you can set up alerts and notifications to keep you informed about promotions or special offers that align with your spending preferences.
Understanding Your Spending Habits
By understanding your spending patterns, you can make informed decisions about which categories to focus on when using your SBI Cashback Card. For example, if you notice that you spend a significant amount on dining out, you can prioritize using your card for restaurant payments to earn higher cashback rates in that category. Similarly, if you frequently shop for groceries, you can take advantage of the cashback offered on grocery purchases.
Tracking your spending also helps you identify any areas where you may be overspending. By analyzing your transactions regularly, you can make adjustments to your budget and ensure that you are using your SBI Cashback Card responsibly while still earning valuable rewards.
| Spending Category | Cashback Percentage | Additional Benefits |
|---|---|---|
| Dining | 5% | Exclusive dining privileges |
| Fuel | 1.5% | Fuel surcharge waiver |
| Groceries | 2% | Special discounts at partner supermarkets |
As you can see from the table above, each spending category offers its own cashback percentage and additional benefits. By referring to this table and analyzing your spending habits, you can make strategic decisions on where to use your SBI Cashback Card to earn the most rewards.
Introduction to Credit Card Perks
When it comes to credit cards, the perks and additional benefits they offer can make a significant difference in your financial journey. From travel rewards to purchase protection, credit card perks provide extra value and enhance your overall experience as a cardholder. In this section, we will explore some of the common credit card perks and additional benefits you can enjoy.
Travel Rewards
One of the most popular credit card perks is the ability to earn travel rewards. Many credit cards offer points, miles, or cashback that can be redeemed for flights, hotel stays, or other travel-related expenses. Whether you’re a frequent traveler or planning your dream vacation, having a credit card that offers travel rewards can help offset the costs and make your trips more affordable.
Purchase Protection and Extended Warranties
Credit cards often come with purchase protection, which safeguards your purchases against theft, damage, or loss. In addition, some cards offer extended warranties on eligible purchases, providing peace of mind and added value. These perks can save you money and offer reassurance when making expensive purchases.
Concierge Services
Many premium credit cards provide access to concierge services, offering personalized assistance for various needs. Whether you need help with travel arrangements, concert tickets, or restaurant reservations, a dedicated concierge can make your life easier and help you save time. These exclusive services are designed to enhance your lifestyle and provide convenience at your fingertips.
| Perk | Description |
|---|---|
| Travel Rewards | Earn points, miles, or cashback that can be redeemed for travel expenses. |
| Purchase Protection | Protects purchases against theft, damage, or loss. |
| Extended Warranties | Offers extended warranty coverage on eligible purchases. |
| Concierge Services | Access to dedicated assistance for travel arrangements, reservations, and more. |
These are just a few examples of the credit card perks and additional benefits that can enhance your financial journey. When choosing a credit card, it’s important to consider the perks that align with your lifestyle and financial goals. By maximizing the benefits offered by your credit card, you can enjoy added value and make the most of your cardholder experience.
Understanding the Different Types of Credit Card Rewards
When it comes to credit card rewards, there are several types that cardholders can take advantage of to maximize their benefits. Understanding these types of rewards can help you choose the right credit card for your lifestyle and financial goals. Let’s explore the different types of rewards that credit cards offer.
1. Cashback: One of the most popular types of credit card rewards is cashback. With cashback rewards, a percentage of your purchases is returned to you in the form of cash or statement credits. Cashback rewards are typically offered on specific spending categories or as a flat rate for all purchases. This type of reward is great for those who want to earn tangible savings on their everyday expenses.
2. Points and Miles: Another common type of credit card reward is points or miles. Points and miles can be earned for every purchase made with the credit card and can be redeemed for a variety of rewards, such as travel, merchandise, or gift cards. Some credit cards offer bonus points for certain spending categories or sign-up bonuses for new cardholders.
3. Co-branded Rewards: Co-branded credit cards are tied to specific brands or retailers and offer rewards that are tailored to their customers. These rewards can include discounts, special promotions, or exclusive access to events. Co-branded credit cards are ideal for those who are loyal to a particular brand or frequent a specific retailer.
| Type of Reward | Description | Example Credit Cards |
|---|---|---|
| Cashback | A percentage of purchases returned in cash or statement credits | SBI Cashback Card, HDFC MoneyBack Card |
| Points and Miles | Earn points or miles for every purchase, redeemable for travel, merchandise, or gift cards | American Express Membership Rewards, Citi ThankYou Rewards |
| Co-branded Rewards | Tied to specific brands or retailers, offering discounts, promotions, or exclusive access | Amazon Prime Rewards Visa Signature Card, Marriott Bonvoy Boundless Credit Card |
By understanding the different types of credit card rewards, you can choose a credit card that aligns with your spending habits and offers the most valuable rewards for your needs. Whether you prefer cashback, points, or co-branded rewards, there’s a credit card out there that can help you earn and enjoy the rewards you desire.
Choosing the Right Credit Card for Your Lifestyle
When it comes to credit cards, the options can be overwhelming. With so many different rewards programs and offers available, how do you choose the right one for your lifestyle? In this section, I will provide you with some key factors to consider when selecting a credit card that aligns with your needs and preferences.
Identify Your Spending Habits
Before diving into the world of credit cards, it’s important to understand your spending habits. Take a moment to analyze your monthly expenses and determine which categories you spend the most on. Are you a frequent traveler? Do you dine out often? Are groceries your major expenditure? By identifying your spending patterns, you can choose a credit card that offers the most rewards and benefits in those specific categories.
Research Rewards Programs
Once you know your spending habits, it’s time to research different credit card rewards programs. Look for cards that offer rewards in line with your lifestyle. For example, if you travel frequently, consider a card that offers travel rewards such as airline miles or hotel points. If you prefer cashback, look for a card that offers higher cashback rates on everyday purchases like groceries and gas. Compare the rewards rates, redemption options, and any annual fees associated with the cards to find the best fit for your needs.
Consider Additional Benefits
While rewards programs are important, don’t forget to consider the additional benefits that come with the credit card. Some cards offer perks like travel insurance, airport lounge access, or extended warranties on purchases. These additional benefits can add significant value to your overall credit card experience. Take the time to review the fine print and see what extras each card has to offer.
Choosing the right credit card for your lifestyle takes careful consideration. By understanding your spending habits, researching rewards programs, and considering additional benefits, you can make an informed decision that maximizes the value you receive from your credit card.
How to Maximize Credit Card Rewards
When it comes to credit card rewards, maximizing your benefits is key. By employing various optimization techniques, you can make the most of your credit card perks and earn significant rewards on your everyday spending. In this section, I will share some strategies to help you maximize your credit card rewards and unlock the full potential of your cards.
Optimization Techniques
To maximize credit card rewards, it’s important to start by selecting the right credit card that aligns with your spending habits and financial goals. Look for cards that offer generous rewards in categories where you tend to spend the most, such as dining, groceries, or travel.
Once you have the right card, consider these optimization techniques:
- Utilize Cashback and Reward Points Cards: Make use of different credit cards that offer cashback or reward points on specific categories. For example, use a cashback card for your everyday expenses like groceries and fuel, and a reward points card for travel-related expenses. This way, you can earn rewards in multiple categories simultaneously.
- Combine Cashback and Reward Points: If your credit card offers both cashback and reward points, be sure to leverage both. Use cashback for immediate savings on your purchases and accumulate reward points for bigger, long-term benefits like free flights or hotel stays.
- Optimize Spending Categories: Take advantage of credit cards that offer higher cashback or reward rates in specific spending categories. For example, if your card offers extra cashback on dining, make it a point to use that card when eating out.
- Utilize Third-Party Services: Explore third-party services that allow you to earn additional rewards on your credit card spending. Some platforms offer cashback or reward points for making purchases through their website or app. Look for these opportunities to boost your rewards.
By implementing these optimization techniques, you can make the most of your credit card rewards and enjoy fantastic benefits on your everyday transactions. Remember to always stay on top of your credit card terms and conditions to ensure you meet the requirements for earning and redeeming rewards effectively.
Conclusion
After exploring the various ways to maximize the benefits of the SBI Cashback Card, it’s clear that this credit card offers tremendous cashback benefits for everyday expenses. By understanding the cashback categories, capitalizing on welcome bonuses, combining reward points and cashback, paying bills with the card, keeping an eye on promotions, availing supplementary cards, clearing payments on time, and tracking spending, cardholders can make the most out of this cashback revolution.
With its cashback categories tailored to dining, fuel, and groceries, the SBI Cashback Card allows cardholders to earn rewards in the areas where they spend the most. Additionally, the welcome bonuses for new cardholders provide an excellent opportunity to earn extra cashback or reward points. By strategically combining these rewards, cardholders can maximize their returns.
Paying utility bills and recurring expenses with the SBI Cashback Card not only provides convenience but also allows for additional savings through cashback benefits. Keeping an eye on promotions and limited-time offers enables cardholders to earn extra rewards or discounts on specific transactions. By availing supplementary cards for family members, rewards and cashback can be pooled, amplifying the benefits for the entire family.
To fully enjoy the rewards and avoid penalties, it’s crucial to clear payments on time. Regularly tracking spending patterns and reward points helps in understanding where the most expenditure occurs and adjusting habits accordingly. Overall, the SBI Cashback Card presents a fantastic opportunity to earn cashback and rewards, making it an excellent choice for those looking to extract maximum value from their credit card.
FAQ
How can I maximize the benefits of the SBI Cashback Card?
To maximize the benefits of the SBI Cashback Card, you need to understand the cashback categories, capitalize on welcome bonuses, combine cashback and reward points, pay bills with the card, keep an eye on promotions, avail supplementary cards, clear payments on time, and track spending.
How do I understand the cashback categories?
The SBI Cashback Card provides cashback on specific categories like dining, fuel, and groceries. It’s important to understand which categories offer higher cashback rates and tailor your spending accordingly.
Are there any welcome bonuses for new cardholders?
Yes, like many credit cards, the SBI Cashback Card offers welcome bonuses to new cardholders. These bonuses can come in the form of extra reward points or cashback for reaching a minimum spending threshold within the first few months.
Can I combine reward points and cashback?
Absolutely! The SBI Cashback Card provides both cashback and reward points for every transaction. You can learn how to combine the benefits of cashback and reward points to maximize your returns.
Can I earn rewards and cashback by paying bills with the card?
Yes, you can! To earn rewards and cashback, make sure to use your SBI Cashback Card to pay various utility bills, insurance premiums, and other recurring expenses. Many of these payments are eligible for cashback, providing additional savings on essential expenses.
How can I stay updated on promotions?
SBI frequently runs promotions and limited-time offers with partner merchants. To stay updated, make sure to regularly check the SBI website, mobile app, or sign up for email notifications. This way, you can earn extra rewards or get discounts on specific transactions.
Can I get supplementary cards for my family members?
Yes, the SBI Cashback Card allows cardholders to avail supplementary cards for their family members. By issuing cards to family members, rewards and cashback earned on multiple cards can be pooled, amplifying the benefits.
Why is clearing payments on time important?
Timely payment of credit card bills is essential to avoid late fees and interest charges. Some cashback programs may also have conditions related to bill payments. Clearing dues on time ensures full enjoyment of rewards without any penalties.
How can I track my spending?
Regularly monitoring your spending patterns and tracking reward points and cashback helps in understanding the categories where you spend the most. This way, you can adjust your spending habits to maximize rewards in those areas.
What are credit card perks?
Credit card perks are the extra benefits that come along with using a credit card. These perks can include travel rewards, cashback, purchase protection, and extended warranties.
What are the different types of credit card rewards?
Credit card rewards can include cashback, points, miles, or co-branded rewards. Each type has its benefits and can be redeemed for various rewards like travel, merchandise, or statement credits.
How do I choose the right credit card for my lifestyle?
When choosing a credit card, it’s important to consider factors like the rewards program, annual fee, interest rates, credit score, and additional benefits. Make sure the card aligns with your spending habits and financial goals.
How can I optimize my expenditure with credit cards?
By strategically using specific credit cards for different types of expenditures like food, transport, and bills, you can maximize your rewards and cashback.
What techniques can help me maximize credit card rewards?
Different techniques like using cashback or reward points credit cards, optimizing spending categories, and utilizing third-party services can help in maximizing credit card rewards.
How does the SBI Cashback Card benefit me?
The SBI Cashback Card presents a fantastic opportunity for cardholders to earn cashback and rewards on their everyday expenses. By understanding the card’s features and being strategic in its usage, you can extract maximum value from this credit card.
Source Links
- https://fastercapital.com/content/Maximizing-Your-Rewards–A-Guide-to-Credit-Card-Perks.html
- https://www.pzl.sg/blog/how-to-maximise-credit-card-rewards-singapore/
- https://medium.com/@rupindersingh67098/maximizing-rewards-how-to-get-the-most-out-of-your-sbi-cashback-card-fa0fab3f661f
