Indian Cashback Card Offer Research

I need concise, verifiable research on current general-purpose cashback credit cards available to Indian residents. Your work should cover the full picture—from who qualifies to how rewards are earned—yet place special emphasis on the ways cardholders can actually redeem their cashback.

To make this genuinely useful, please rely only on official issuer sites, RBI-compliant marketing material, or reputable financial portals. Paraphrase rather than copy, note any time-limited promotions, and explain the standard online application flow without implying guaranteed approval.

Deliverables
• A brief comparison table of the top active Indian cashback cards (issuer, joining/annual fees, reward rate, key T & Cs)
• A dedicated section on redemption mechanics for each card (minimum redemption thresholds, statement credit, direct bank transfer, partner catalogue, expiry rules)
• Clear explanation of basic eligibility criteria and the exact application links/screen paths
• Citation of every source URL used

I will review the data for accuracy and transparency; payment is released once the information checks out against the referenced sources and complies with issuer guidelines.