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New Delhi, <keyword id="3430167" type="COMPANY" weightage="20" keywordseo="apple-store-india">Apple Store India</keyword>, the company's online shop on Friday announced a new <keyword id="470101" type="PERSON" weightage="20" keywordseo="Cashback">cashback</keyword> and no-cost EMI offer.<br /><br />Starting January 21, consumers can avail a cashback of ₹5,000 on <keyword id="6460129" type="UNKNOWN" weightage="20" keywordseo="orders">orders</keyword> above ₹44,900 in India as well as a no-cost EMI offer up to six months on <keyword id="6354427" type="COMPANY" weightage="20" keywordseo="apple">Apple</keyword> products.<br /><br />According to Apple's website, the cashback is available for qualifying <keyword id="6357149" type="DOMAIN" weightage="20" keywordseo="hdfc-bank">HDFC Bank</keyword> Credit Cards.<br /><br />Apple says that the maximum cashback of ₹5,000 will be applicable on a single order that totals up to ₹44,900 or more. Multiple orders cannot be combined for the cashback.<br /><br />The cashback, once an order is successfully paid, will be credited to the user's HDFC credit card account within a period of 7 days.<br /><br />The offer cannot be clubbed with the Education Program offers and is valid only on a single item purchase once per card.<br /><br />Much like the ₹5,000 cashback offer, the no-cost EMI offer also ends on January 28, 2021.<br /><br />Apple clarifies "Card eligibility subject to terms and conditions between you and your card issuing bank." The No-Cost EMI offer is applicable on HDFC Bank Credit Cards on EMI transactions on a six-month tenure only.<br /><br />The Apple India Online Store went live in September 2020. It offers customers a full range of products and support with the same premium experience found in Apple store locations around the world.<br /><br /><br /><strong>SEE ALSO:<br /><a href="https://www.businessinsider.in/defense/news/these-amazing-facts-about-the-indian-army-will-make-you-beam-with-pride/slidelist/80270052.cms">Army Day 2021: These amazing facts about the Indian Army will make you beam with pride</a><br /><a href="https://www.businessinsider.in/business/corporates/news/hcl-tech-clocks-in-nearly-27-jump-in-profit-crosses-the-10-billion-revenue-in-third-quarter-of-year-2020-21/articleshow/80278852.cms">HCL Tech clocks in nearly 27% jump in profit, crosses the $10 billion revenue milestone with one more quarter left</a><br /><a href="https://www.businessinsider.in/india/news/india-will-begin-its-covid-19-vaccination-drive-tomorrow-heres-everything-you-need-to-know/articleshow/80281740.cms">India will begin its COVID-19 vaccination drive tomorrow — here’s a look at how the world’s largest vaccine rollout is set to take place</a></strong><br />

Apple announces ₹5,000 cashback for HDFC Bank credit card users on its online store

<ul><li><keyword id="790242" type="General" weightage="20" keywordseo="whatsapp" source="Orion">WhatsApp</keyword> has started offering a cashback of ₹51 with no limit on the amount sent.</li><li>This feature is currently available to WhatsApp beta users on Android.</li><li>You can get the cashback up to five times, and by sending money to different contacts.</li></ul>WhatsApp started testing cashback for its UPI-based payments service last month. It has now started rolling out this feature to Android beta users on <a href="https://www.businessinsider.in/tech/news/whatsapp-could-soon-offer-cashback-for-payments-in-india/articleshow/86450568.cms" data-type="tilCustomLink">WhatsApp</a>. The new cashback offer seems like a new way for WhatsApp to push its payments service in India.<br /><br />The WhatsApp beta app on Android has started displaying a banner on top of the chat list with the message, “Give cash, get ₹51 back.” You can get a guaranteed cashback of ₹51 up to five times by sending money to different contacts. WhatsApp also hasn’t set a limit on the amount for this cashback offer. We can confirm this works so you can send ₹1 you still get ₹51 back. Once you make the payment, ₹51 is immediately credited to your account along with a notification from WhatsApp.<br /><br /><div type="image" title="whatsapp pay shortcut" msid="87357437" hostid="261" caption="&amp;lt;p&amp;gt;WhatsApp displays a banner about the cashback offer on the app.&amp;lt;/p&amp;gt;"></div><br />Although the cashback is guaranteed, it looks like you can avail it only five times. This feature is also available only to beta users and on Android. But considering it’s already available for beta users WhatsApp is expected to make it widely available for all users in India.<br /><br /><div type="image" title="Untitled design (7)" msid="87357454" hostid="261" caption="&amp;lt;p&amp;gt;WhatsApp sends a notification once the cashback amount is credited to your account.&amp;lt;/p&amp;gt;"></div><br />With the new feature, WhatsApp looks like it’s taking the Google Pay route to lure users into using the payments service. Google Pay also offered a cashback of up to ₹1,000 through scratch cards when it first launched in India. This scheme is still going on along with coupons for other services. WhatsApp also launched Google Pay-like background cards that add a little bit of colour and personalised experience to payments. <br /><br />It also added a payment shortcut button right on the chat bar of the app. The WhatsApp Pay shortcut is a rupee symbol button that is very prominent and you will most likely not miss. <br /><br /><strong>SEE ALSO:</strong><br /><br /><a href="https://www.businessinsider.in/tech/mobile/news/heres-how-you-can-secure-your-android-phones-and-tablets-to-stay-safe-from-privacy-threats/slidelist/87355923.cms" data-type="tilCustomLink">Here’s how you can secure your Android phones and tablets to stay safe from privacy threats</a><br /><a href="https://www.businessinsider.in/tech/mobile/news/best-smartphones-under-rs-25000-in-india/slidelist/87356343.cms" data-type="tilCustomLink">Best smartphones under ₹25,000 in India in October 2021</a><br />

WhatsApp offers ₹51 cashback as it takes on PhonePe and Google Pay in India

<ul><li><keyword id="4225623" type="PERSON" weightage="20" keywordseo="Paytm-Mall">Paytm Mall</keyword> has reportedly unearthed a fraud of ₹5 to ₹10 crore, after the probe by auditing giant EY. </li><li>Few of <keyword id="6357120" type="DEFINITION" weightage="20" keywordseo="paytm">Paytm</keyword> Mall employees worked with third party vendors to avail cashback offers, say reports.</li><li>The company had earlier said that it has partnered with E&amp;Y to build a technology driven fraud prevention system.</li></ul>In what could possibly be one of the biggest blows for every Indian startup’s favourite cashback scheme, Paytm Mall has reportedly unearthed a fraud of ₹10 crore. According to reports, few of Paytm Mall employees worked with third party vendors to avail cashback offers.<br /><br />"After Diwali, what my team saw was that there were some small sellers who were getting a large percentage of the cashbacks and we as a team asked our auditors to do a deeper audit," Paytm founder <keyword id="198636" type="PERSON" weightage="20" keywordseo="Vijay-Shekhar-Sharma">Vijay Shekhar Sharma</keyword> told <a href="https://economictimes.indiatimes.com/small-biz/startups/newsbuzz/paytm-probe-reveals-at-least-rs-10-cr-fraud-vijay-shekhar-sharma/articleshow/69327442.cms">reporters</a> at a press conference in Mumbai. The event was held to launch Paytm’s cashback card driven by Citibank. <br /><br />Paytm Mall has fired about 10 employees and delisted over 100 vendors from its platform, according to one <a href="https://timesofindia.indiatimes.com/business/india-business/paytm-probe-reveals-at-least-rs-10-cr-fraud-vijay-shekhar-sharma/articleshow/69327250.cms">report.</a> <br /><br />Paytm Mall, however, clarified later that fraud was in the range of ₹5-10 crores. The company had earlier said that it has partnered with E&amp;Y to build a technology-driven fraud prevention system. The company had released an official statement regarding its partnership with E&amp;Y, which will help build Paytm Mall a secure network for its users.<br /><br />In the Indian e-commerce industry, while cashback has been a boon to bring on board a huge number of users, it has also proved to be a bane for companies that are struggling with losses due to these offers. In the same breath, Sharma insisted that the cashback model remains sustainable. <br /><br />Paytm Mall had aggressively grown to bring on board many vendors in its fight against the likes of Flipkart and Amazon. However, it had run into trouble with huge losses and there were reports about Paytm Mall shutting down. In an<a href="https://www.businessinsider.in/facing-jio-paytm-founder-vijay-shekhar-sharma-plans-a-ticket-to-us/articleshow/69053166.cms"> earlier interview with Business Insider</a>, Sharma had said that the vertical was back on track and having switched to the Online to Offline (O2O) model, they had offloaded multiple vendors from the Paytm Mall platform.<br /><br /><strong>See Also:</strong><br /><a href="https://www.businessinsider.in/paytm-partners-with-ey-to-probe-frauds/articleshow/69305406.cms">Paytm Mall ropes in auditing giant EY to crack down on frauds</a><br /><a href="https://www.businessinsider.in/facing-jio-paytm-founder-vijay-shekhar-sharma-plans-a-ticket-to-us/articleshow/69053166.cms">‘I want it all and I want it now’, says Paytm founder Vijay Shekhar Sharma as he plans a ticket to the US</a><br />

Paytm Mall fires 10 employees and 100 vendors after a million-dollar cashback fraud

<ul><li><keyword id="132652" type="COMPANY" weightage="20" keywordseo="Cleartrip">Cleartrip</keyword>’s Freedom Sale is offering deals on hotel and flight bookings. </li><li>The ticketing platform is offering cashback of upto ₹1500 on domestic <keyword id="3908264" type="PERSON" weightage="20" keywordseo="Flight-booking">flight booking</keyword>.</li><li>It’s also offering a 30% cashback on domestic hotel bookings. </li></ul>Travel booking platform Cleartrip has joined the bandwagon of Independence Day sales with its Freedom Sale.<br /><br />The hotel and flight ticketing platform is offering cashback of upto ₹1500 on domestic flight bookings and a 30% cashback on domestic hotel bookings. <br /><br />Users can avail the offer by applying the coupon code SAVENOW for flights, whereas for hotels its FREEDOM. The sale is on until August 19 for flights, whereas for hotels its on until August 20. <br /><br />Offering consumers the ease of payments, Cleartrip had also partnered with Amazon Pay.<br /><br />Amazon’s flight bookings feature was launched in association with Cleartrip. This partnership opened the gateway for the travel booking platforms, giving it access to Amazon’s 30% e-commerce market share in India.<br /><br />Cleartrip had also recently <a href="https://gadgets.ndtv.com/apps/news/cleartrip-flexifly-reschedule-domestic-flight-nominal-fees-2078868">announced</a> its Flexify solution with which users can reschedule their flights without having to incur high charges. By paying a price starting from ₹149 to ₹299, users can reschedule their flights within the same airline or book a new flight with a different airline.

Cleartrip announces its Freedom Sale, with ₹1500 cashback on flight bookings

<ul><li><keyword id="790242" type="General" weightage="20" keywordseo="whatsapp" source="Orion">WhatsApp</keyword> could soon offer cashback to users for making payments via its app.</li><li>This feature is being tested for its UPI payments service in India.</li><li>Users can earn up to ₹10 cashback.</li></ul>WhatsApp is testing a new feature for its in-app payments service. The messaging app could soon offer cashbacks on payments to its users. This feature is currently being tested with no word on its official release yet.<br /><br />The new <a href="https://www.businessinsider.in/tech/apps/news/how-to-check-your-bank-account-balance-using-whatsapp-pay/articleshow/86198586.cms">WhatsApp payments</a> feature could be exclusive to India or introduced first to India. In the test discovered by WABetaInfo, the cashback is limited to UPI payments in India. WhatsApp is offering cashback of up to ₹10 per payment but it may be increased before the official release of the feature. WABetaInfo also <a href="https://wabetainfo.com/whatsapp-beta-for-android-2-21-20-3-whats-new/">says</a> that users can get only one cashback. It isn’t clear though if this means WhatsApp will give you only one cashback throughout or one per payment. There’s also confusion over whether this cashback will be only for new users or existing users as well.<br /><br />The feature has also popped up as a test in the WhatsApp app but not for public beta testers. It’s highlighted on top of the chat list reading “Get cashback on your next payment.” You can tap on it to get started. There’s not enough clarity yet but we could get to know more about the WhatsApp payment feature as the development continues. But it’s quite clear that the cashback feature would be a way for WhatsApp to push its payments service in India. <br /><br />WhatsApp recently started rolling out a <a href="https://www.businessinsider.in/tech/apps/news/whatsapp-adds-a-payment-shortcut-so-you-can-send-money-faster-than-ever-before/articleshow/85589253.cms">new payments shortcut</a> making it easier for users to locate the feature. The payments button has been placed in the text box as opposed to sitting inside the attachments box. It also launched background cards in India that adds a little bit of colour and personalised experience to payments. This is similar to the background cards in Google Pay. <br /><br /><strong>SEE ALSO:<br /></strong><br /><a href="https://www.businessinsider.in/tech/mobile/news/new-smartphones-launching-in-india-in-coming-days/slidelist/86448401.cms" data-type="tilCustomLink">Realme Narzo 50 to Samsung Galaxy M52 5G — phones launching in India this month</a><br /><a href="https://www.businessinsider.in/tech/apps/news/you-can-now-record-apps-that-are-spying-on-you-using-ios-15/articleshow/86448183.cms" data-type="tilCustomLink">You can now record apps that are spying on you using iOS 15</a><br />

WhatsApp testing cashback in a bid to push payments in India

As part of its 'Mera PehlaSmartphone' programme, Bharti <keyword id="15491" type="General" weightage="20" keywordseo="airtel" source="Orion">Airtel</keyword> has announced a new initiative to enable customers to upgrade to quality smartphones and enjoy a world-class digital experience on its high speed network.<br /><br />Airtel will offer a cashback of ₹6,000 to customers who purchase a ne<sup></sup>w smartphone priced upto ₹12,000 (appx.) from leading brands.<br /><sup></sup><br />Over 150 smartphones are eligible for this benefit.<br /><br />To avail the ₹6,000 cashback benefit, a customer needs to recharge with a Airtel prepaid pack of ₹249 or above continuously (as per pack validity) for 36 months. The customer will receive the cashback in two parts - the first instalment of ₹2,000 after 18 months and the remaining ₹4,000 after 36 months.<br /><br />If a customer opts for a device priced ₹6,000, they will enjoy generous data quotas and unlimited calling benefits with every Airtel repaid recharge to unlock a superior smartphone experience. At the end of 36 months, with an attractive cashback benefit of ₹6000, the customer gets back her entire investment in the device while being able to stay digitally connected.<br /><br />Customers opting for this programme will also get one time free screen replacement by Servify in case of damage. Once a customer is on an eligible recharge pack, the screen replacement enrolment can be done on Airtel Thanks App within 90 days period.<br /><br />Airtel's Director - Marketing &amp; Communications Shashwat Sharma: "Smartphones are now a basic need, especially in the post-pandemic world, as customers look at access a range of services digitally. As millions of customers across India aspire for a quality smartphone for good online experience, our ambition is to make it easier for them to own the device of their choice. We will continue to bring to market a range of interventions as part of this innovative programme, and enable customers to get on to the digital highway."<br /><br /><b>SEE ALSO:</b><br /><br /> <b><a href="https://www.businessinsider.in/business/telecom/news/airtel-vodafone-idea-shares-jump-after-government-proposes-to-withdraw-13000-crore-demand-for-spectrum-usage-charges/articleshow/86775903.cms">Airtel, Vodafone Idea shares jump after government proposes to withdraw ₹13,000 crore demand for spectrum usage charges</a></b><br /><br /> <b><a href="https://www.businessinsider.in/business/telecom/news/airtel-conducts-indias-first-rural-5g-trial/articleshow/86780133.cms">Telecom major Airtel conducts India's first rural 5G trial</a></b>

Airtel announces cashback of ₹6,000, free one-time screen replacement on purchase of new devices

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Caiaimage/Paul Bradbury/Getty Images</span></p><p class="caption">A cash-back credit card earns rewards in the form of cash.</p></div><p></p></div></div></p><ul class="summary-list"><li><strong>A cash-back credit card is a type of <a href="https://www.businessinsider.com/best-rewards-credit-cards">rewards credit card</a> that earns</strong><strong> cash back on your spending, based on a percentage or tier.</strong></li><li>Cash-back credit cards like the <a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Chase Freedom</a> and <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Chase Freedom Unlimited</a> are annual fee-free, while others like the <a href="https://thepointsguy.com/card-details/blue-cash-preferred-card-from-american-express/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow nofollow">Blue Cash Preferred® Card from American Express</a> and the <a href="https://thepointsguy.com/card-details/capital-one-savor-cash-rewards-credit-card/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow nofollow">Capital One® Savor® Rewards Credit Card</a> carry a $95 annual fee.</li><li>When you're considering whether you should get a cash-back credit card, it all comes down to being realistic about whether you'll use the rewards.</li><li><strong><a href="https://www.businessinsider.com/best-cash-back-credit-cards">See the best cash-back credit cards of 2019</a>.</strong></li></ul><p>Are you looking for a new credit card? There are many credit cards to choose from but one of the options you can consider is a cash-back credit card.</p><h2>What is a cash-back credit card?</h2><p>A cash-back credit card is a type of credit card that offers cash back on your purchases. Credit card issuers offer cash back as an incentive for spending, so every time you make a purchase you're also getting some money back. Typically, the cash back is a small percentage of your spending. So it's not a way to get rich quick, but a way to earn some money back when you spend.</p><p>The good news is that the money you earn from cash back is earned tax-free. In the eyes of the IRS, cash back is considered a rebate and is not included in your gross income. Using a cash-back credit card can be used as part of your financial strategy to manage spending and earn some extra cash on purchases you'd make anyway, like groceries or Netflix. </p><p>But in order to be eligible for a cash-back card, you need good credit. cash-back credit cards are a type of rewards credit card and are often reserved for consumers with good credit. </p><h2>How does a cash-back credit card work?</h2><p>There are many credit card issuers that offer cash-back credit cards. Each issuer has their own rewards system. </p><p>Some credit card issuers offer cash back as a flat percentage of spending, whereas others might offer cash back with tiered rewards. </p><p>The <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Chase Freedom Unlimited</a>, for instance, offers a flat percentage of 1.5% cash back on all purchases. The <a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Chase Freedom</a>, on the other hand, offers 5% cash back up to $1,500 on purchase categories that rotate quarterly, and 1% everywhere else. One quarter you might earn 5% cash back at gas stations and through PayPal, and another you might earn 5% cash back at grocery stores and department stores. Note that you must activate each quarter, when <a href="https://www.businessinsider.com/chase-freedom-card-quarterly-bonus-categories-calendar">the bonus categories change</a>.</p><p>Note that while the rewards on these Chase cards are marketed as cash back, you're really earning <a href="https://www.businessinsider.com/chase-ultimate-rewards-get-credit-card-travel-rewards">Chase Ultimate Rewards</a> points you can redeem for cash back, or combine with points from another card to buy discounted products or travel.</p><p>Your credit card issuer might offer the cash back as a statement credit, check, or as a direct deposit into your bank account. You can use the cash back however you want: to offset your spending by applying it to the balance of your credit card, or for specific goals like paying down debt, saving for <a href="https://www.businessinsider.com/how-much-money-to-save-in-emergency-fund-rules">a rainy day fund</a>, or funding your next vacation. </p><h2>Should you get a cash-back credit card?</h2><p>In order to get approved for a cash-back credit card, you typically need good credit, which is <a href="https://www.businessinsider.com/what-is-a-good-credit-score">a credit score of about 700</a> or more, out of 850. But should you get a cash-back credit card? There are a few things to consider:</p><h3>Is cash back a valuable reward for you?</h3><p>Any <a href="https://www.businessinsider.com/credit-cards-for-travel-groceries-flexibility-2019-4">rewards-card expert</a> will tell you that cash back generally isn't the most lucrative rewards system - you generally get more bang for your buck when redeeming miles or points than cash.</p><p>However, the most valuable rewards are <a href="https://www.businessinsider.com/i-opened-cash-back-card-instead-of-travel-rewards-card">the ones you'll actually use</a>, making cash-back a good option for people who realistically aren't going to be amassing and redeeming points and miles to travel.</p><p>Plus, as <a href="https://www.businessinsider.com/rewards-vs-cash-back-credit-card-what-to-consider">Business Insider previously reported</a>, there are advantages to cash-back cards: They generally don't have annual fees and there are no restrictions on how you can redeem that cash. Plus, if you're also using <a href="https://www.businessinsider.com/best-rewards-credit-cards">rewards cards that earn miles and points</a>, you can keep earning more miles, points, and status when you book with cash back, since it's treated just like cash out of your pocket.</p><h3>Is there an annual fee?</h3><p>Many rewards credit cards have annual fees to offset the rewards, but that's less common among cash-back credit cards. The <a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Chase Freedom</a> and <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Freedom Unlimited</a> mentioned above, for instance, don't have an annual fee.</p><p>Other cash-back credit cards, like the <a href="https://thepointsguy.com/card-details/blue-cash-preferred-card-from-american-express/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Blue Cash Preferred Card from American Express</a> and the <a href="https://thepointsguy.com/card-details/capital-one-savor-cash-rewards-credit-card/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Capital One Savor Cash Rewards Credit Card</a>, each have a $95 annual fee.</p><p>If you choose a card with an annual fee, you want to make sure that the cash-back rewards you get would be more than the annual fee. </p><h3>Is there a sign-up or welcome bonus?</h3><p>If you decide you do want to add a cash-back card to your wallet, you'll want to look at any sign-up or welcome bonuses currently being offered. Sign-up and welcome bonuses are less common among cash-back cards and card without an annual fee - you'll see them much more often among premium credit cards with high annual fees. </p><p>For example, as of publication the <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Chase Freedom Unlimited</a> card is offering $150 cash back if you spend $500 within the first three months of opening your account. The <a href="https://thepointsguy.com/card-details/capital-one-savor-cash-rewards-credit-card/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Capital One Savor Cash Rewards</a> is offering $300 after spending $3,000 in the first three months. The <a href="https://thepointsguy.com/card-details/blue-cash-preferred-card-from-american-express/?utm_campaign=bi_what-is-a-cash-back-credit-card&amp;utm_source=referral" rel="nofollow">Amex Blue Cash Preferred</a> offers a $250 statement credit after you spend $1,000 in the first three months. These types of offers change regularly, though, so be sure to check before you apply.  </p><p>Getting a cash-back credit card can be a good idea if you have good credit and want to earn rewards as part of your spending. If you have good credit, you can increase your approval odds and get the best offers.</p><h2><a href="https://www.businessinsider.com/best-cash-back-credit-cards">See the best cash-back credit cards of 2019 »</a> </h2><h3>Related coverage from <a href="https://www.businessinsider.com/category/personal-finance-how-to">How to Do Everything: Money</a></h3><ul><li><h3><a href="https://www.businessinsider.com/what-is-a-good-interest-rate-on-a-credit-card">What is a good interest rate on a credit card?</a></h3></li><li><h3><a href="https://www.businessinsider.com/how-to-build-credit-with-a-credit-card-steps">How to build credit with a credit card</a></h3></li><li><h3><a href="https://www.businessinsider.com/how-to-consolidate-credit-card-debt">How to consolidate credit card debt to streamline your payments and lower your interest rate</a></h3></li><li><h3><a href="https://www.businessinsider.com/how-to-increase-your-credit-score-improve-credit">How to increase your credit score, no matter when or where you start</a></h3></li></ul><p class="tagline"><p style="font-size:14px;"><em>Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.</em></p><p style="font-size:14px;"><em>Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/japanese-melons-cost-price-so-expensive-japan-2019-6">These melons can sell for as much as $22,500 each in Japan</a></h3>        <div>                    </div>    </div>

How to decide whether to get a cash-back credit card

Meta-owned <keyword id="790242" type="General" weightage="20" keywordseo="whatsapp" source="Orion">WhatsApp</keyword> has confirmed that it is running a cash-back campaign in <keyword id="3658" type="General" weightage="80" keywordseo="india" source="Orion">India</keyword> to drive more users on its digital payments service.<br /><br />The company is giving away Rs 11 cashback up to three times by sending money to three different contacts via unified payments interface (<keyword id="6358921" type="General" weightage="80" keywordseo="upi" source="Orion">UPI</keyword>) on WhatsApp.<br /><br />"We are running a campaign offering cashback incentives in a phased manner to our users as a way to unlock the potential of payments on WhatsApp," a company spokesperson told IANS.<br /><br />"We'll continue to drive awareness of payments on WhatsApp as part of our broader efforts to bring the next 500 million Indians onto the digital payments ecosystem," the spokesperson added.<br /><br />If you become eligible for the promotion, you will see a banner within the app, or a gift icon when you're sending money to an eligible receiver, according to WhatsApp.<br /><br />"Once selected, you can send money to any of your registered WhatsApp contacts and receive Rs 11 cashback per successful transaction," the company informed.<br /><br />Google and Paytm have also offered cask-back to users to drive more engagement and retention growth on their respective platforms.<br /><br />On its support page, WhatsApp said that it will not offer cash-back for QR code payments, payments made on collect requests or made by entering the UPI ID of recipient, as well as payments on third-party online apps using WhatsApp.<br /><br />Earlier this month, the National Payments Corporation of India (NPCI) approved an additional 60 million users for UPI for WhatsApp - taking its cap to 100 million for Payments.<br /><br />"We believe there is an opportunity for UPI to have an even greater impact for the country -- especially in rural regions where digital and financial inclusion can significantly improve peoples' lives," Manesh Mahatme, Director-Payments, WhatsApp India, had told IANS.<br /><br />In November last year, the NPCI approved increasing the user cap for WhatsApp's payment service from the current 20 million to 40 million users.<br /><br />The NPCI has been giving approval to WhatsApp in a phased manner so that the competition in the digital payment space in the country is not stifled.<br /><br />WhatsApp kicked off its ambitious peer-to-peer (P2P) digital payments pilot project in India in 2018 with nearly 10 lakh users.<br /><br />SEE ALSO:<br /><a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/startups/news/ola-may-be-rushing-into-electric-cars-when-scooters-continue-to-underperform/articleshow/91141264.cms">Is Ola hurrying into its electric car dream?</a><br /><a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/adani-enterprises-sets-up-a-wholly-owned-media-arm/articleshow/91128727.cms"></a><a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/tech/enterprise/news/google-expected-to-announce-the-pixel-6a-pixel-watch-and-android-13-in-i/o-2022/articleshow/91141500.cms">Google I/O 2022 – Pixel 6a, Pixel Watch, Android 13 and everything we expect to see</a><br />

Meta-owned WhatsApp runs cash-back campaign for making digital payments in India

With the first day of Navratri today (October 3), the festive season in India has officially begun. Each year, various platforms offer intriguing offers around this time and this year is no different. Apple also has some special offers in store for its Indian fans and has kick-started its Diwali 2024 sale today. If you have been thinking to buy the new iPhone or wish to get your hands on the latest <keyword id="19900628" type="General" weightage="20" keywordseo="macbook" source="keywords">MacBook</keyword>, now might be the time. There are a lot of options to choose from and you can enjoy savings across Apple's premium product lineup. <br /><br />Among the key highlights is an instant cashback of up to ₹10,000, available on a wide range of Apple products. For those with American Express, Axis Bank, or ICICI Bank cards, this cashback can be availed instantly at checkout. Furthermore, customers can spread their payments with up to 12 months of No Cost EMI, making the purchase of Apple’s high-end devices even more manageable.<br /><br /><h2>iPhone Deals <br /></h2><br />The iPhone range is one of the sale’s main attractions. Customers opting for the iPhone 16 Pro or iPhone 16 Pro Max can enjoy an instant cashback of ₹5,000. Similarly, those choosing the iPhone 16 or the iPhone 16 Plus will benefit from the same ₹5,000 discount. For individuals looking for a slightly more affordable option, the iPhone 14 and iPhone 14 Plus come with ₹3,000 cashback, while the iPhone SE offers ₹2,000 off.<br /><br /><br /><h2>MacBook and Mac Discounts <br /></h2><br />Apple’s MacBook line-up also sees attractive discounts. The latest MacBook Air models, featuring the M3 chip in both 13-inch and 15-inch versions, are available with a cashback of ₹10,000. If you’re looking at the earlier MacBook Air (M2 chip), you can save ₹8,000 instantly. Larger purchases such as the MacBook Pro (14-inch and 16-inch), the Mac Studio, and the iMac 24-inch all come with an appealing ₹10,000 cashback. Meanwhile, the Mac mini is available with a ₹4,000 discount.<br /><br /><br /><h2>iPad Offers <br /></h2><br />For tablet users, Apple’s iPad range also includes some enticing offers. The iPad Pro, available in 11-inch and 13-inch sizes, provides a cashback of ₹6,000. The iPad Air, also available in 11-inch and 13-inch sizes, offers a ₹4,000 instant discount. Buyers of the standard iPad can benefit from ₹2,500 cashback, while the compact iPad mini is on offer with ₹3,000 cashback.<br /><br /><br /><h2>AirPods Promotions <br /></h2><br />Fans of Apple’s audio products are not left out, as the AirPods range sees notable discounts too. The AirPods Pro are available with ₹2,000 cashback, while the AirPods 4 offer ₹1,500 off. For those opting for the AirPods 4 with Active Noise Cancellation, there’s a ₹1,500 instant discount. Meanwhile, Apple’s premium AirPods Max headphones are being sold with a significant ₹4,000 cashback.<br /><br /><h2>Free Beats Solo Buds <br /></h2><br />Apart from cashback, Apple is also giving away Beats Solo Buds for free. If you purchase an iPhone 15 from an Apple store, you can get your hands on the buds at no cost. However, this offer is only valid till tomorrow (October 4) so you better hurry.<br /><br /><h2 style="margin-bottom: 0.7em; line-height: 1.3; color: rgb(0, 0, 0); font-size: 24px; background: 0px 0px; text-rendering: optimizelegibility;">More savings with Apple's trade-in programme<br /></h2><br />Adding to the appeal, Apple’s Trade-In programme allows users to exchange their old devices for a discount on their new purchases. This, coupled with the cashback, makes for a compelling offer for those planning an upgrade. Additionally, with select purchases, Apple is providing three months of Apple Music, Apple TV+, and Apple Arcade subscriptions at no extra cost.<br /><br /><br />With these offers, Apple’s Diwali Sale 2024 provides an excellent chance for customers to grab their desired devices at a lower price point. Whether you're upgrading or looking for gifts, this limited-time sale brings significant value, especially with the combined benefits of cashback, EMI options, and trade-in deals. For more information, you can head to Apple’s official website.<br /><br />

Apple Diwali sale in India goes live: iPhones, Macbooks and Airpods get discounts

New Delhi, Oct 3 (IANS) Samsung on Saturday announced offers on the Galaxy A series smartphones, Galaxy A71, Galaxy A51, Galaxy A31 and Galaxy A21s, in India.<br /><br /><br /><br /> <br /><br />The Rs 29,499 Galaxy A71 with 64MP Quad camera setup and Snapdragon 730 chip can now be availed with an additional cashback of Rs 1,500 which brings the price to Rs 27,999. <br /><br />Galaxy A51 with 48MP quad-camera costing Rs 24,499 for the 8GB variant and Rs 22,999 for the 6GB variant can now be bought with an additional cashback of Rs 1,000.<br /><br />Galaxy A31 which was launched for Rs 19,999 can now be owned with an additional cashback of Rs 1,000 which brings the effective price to Rs 18,999, the company said in a statement.<br /><br />In addition, Galaxy A21s which costs Rs 16,499 for the 6GB variant and Rs 14,999 for the 4GB variant will now be available with an additional cashback of Rs 750.<br /><br />Customers can avail attractive cashback offers when making EMI transactions on their ICICI Bank debit or credit cards. The cashback offer will be valid til October 16, the company said.<br /><br />--IANS<br /><br />wh/na

Samsung offers cashbacks on 'Galaxy A' series smartphones

New Delhi, Jan 2 () The National Payments Corporation of India (NPCI) on Thursday said the homegrown payments technology RuPay will offer 40 per cent cashback for its international card users for transactions in select countries.
<p> Indians travelling to the UAE, Singapore, Sri Lanka, the UK, the US, Spain, Switzerland and Thailand will be able to earn up to Rs 16,000 cashback per month by getting their RuPay International Card activated, the NPCI said in a release.
</p><p>With RuPay International cards --JCB, Discover and Diners Club--customers using multiple cards can earn more cashbacks under the 'RuPay Travel Tales' campaign.
</p><p>To avail the cashback benefit, customers will have to do a minimum transaction of Rs 1000 and the maximum cashback is capped at Rs 4,000 for a single transaction. 
</p><p>The offer can be availed by customers using RuPay International Card four times a month that can give them a chance of earning up to Rs 16,000 as cashback. 
</p><p>Praveena Rai, COO, NPCI said, "We always aim to create an end-to-end value proposition for RuPay International cardholders to make their overseas travel experience seamless and memorable. The campaign is not only providing an exciting platform for travelers to earn cashbacks but also motivating them to migrate towards digital transactions nationally and globally".
</p><p>Apart from earning cashbacks, RuPay International cardholders can access to RuPay affiliated domestic/international airport lounges. 
</p><p>They also can avail attractive offers on booking international fights and hotels in association with Thomas Cook and Make My Trip, the release said.
</p><p>RuPay has a partnership with Discover Financial Services (DFS) and Japan based JCB International, allowing RuPay users the access to across 190 countries. 
</p><p>As on date, there are over 1,100 banks live on RuPay platform including SBI, HDFC Bank, Axis bank, among others.
</p><p>RuPay card base has crossed 600 million, half of which are in the mid and premium segments, NCPI said.
</p>NPCI was incorporated in 2008 as an umbrella organization for operating retail payments and settlement systems in India. An initiative of RBI and IBA under the provisions of the Payment and Settlement Systems Act, 2007, NPCI was initiated for creating a robust payment and settlement infrastructure in the country.    KPM MR
MR

RuPay International to offer cashback up to Rs 16K for transactions abroad

<p><div class="KonaFilter image-container display-table lead-image-small"><div><div class="image on-image"><p class="source"><span>RgStudio/Getty Images</span></p></div><p></p></div></div></p><ul class="summary-list"><li><strong>As credit card issuers change and devalue their points programs, you might debate the merits of opening a <a href="https://www.businessinsider.com/best-cash-back-credit-cards">cash-back card</a> instead.</strong></li><li><strong>Cash-back cards have their advantages: They generally <a href="https://www.businessinsider.com/best-no-fee-credit-card">don't have annual fees</a>, there are no restrictions on how you can redeem that cash, and you can keep earning miles, points, and status when you book with cash back.</strong></li><li><strong>However, points earned through <a href="https://www.businessinsider.com/best-rewards-credit-cards">rewards cards</a> are usually more valuable than cash, especially if you're a frequent traveler. Points-earning cards also usually have lucrative sign-up or welcome bonuses.</strong></li><li><strong><a href="https://www.businessinsider.com/yourmoney?utm_source=bullet">Read more personal finance coverage.</a></strong></li></ul><p>Rewards-earning credit cards have gotten increasingly popular in the last few years, and with that we've seen loyalty programs devalue and award redemptions become more difficult. So, is it time to switch to cash-back cards? Below, see how cash-back cards stack up against those that earn rewards and points instead.</p><p><em>Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back. </em></p><h2>Cash-back cards generally don't have annual fees</h2><p>While most rewards-earning credit cards carry annual fees ranging from $50 to $550, cash-back cards tend to be fee-free.</p><p>Several cards that earn at least 2% cash back during the first year have no annual fee, like the Citi® Double Cash Card, Fidelity Rewards Visa Signature Card, and Discover it® Cash Back. If you put a good amount of your spending on one of these cards can add up to substantial rewards. </p><p>If you want a card that earns you bonus cash back on certain spending categories without having to pay an annual fee, you have options, too. Here are some of the best ones:</p><ul><li><strong><a href="https://thepointsguy.com/card-details/wells-fargo-propel-american-express-card/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Wells Fargo Propel American Express® card</a> -</strong> Earns 3x points (3% return) on categories like travel and gas stations</li><li><strong><a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Chase Freedom</a> -</strong> Earns 5% cash back on rotating quarterly bonus categories up to $1,500 in purchases each quarter you activate </li><li><strong><a href="https://thepointsguy.com/card-details/ink-business-cash%e2%84%a0-credit-card/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Ink Business Cash Credit Card</a> -</strong> Earns 2% to 5% bonus cash back on select categories tailored to business users (on the first $25,000 in combined purchases each account anniversary)</li></ul><p>Once you tally up your earnings for the year, there's no need to compare the value gained from the rewards to the annual fee you're about to pay. Thus, you don't have to contemplate whether a card is worth keeping or not because of the annual fee.</p><p>There are some exceptions to this no-annual-fee rule, like the <a href="https://thepointsguy.com/card-details/blue-cash-preferred-card-from-american-express/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Blue Cash Preferred® Card from American Express</a>, which has a $95 annual fee. This card earns 6% back at US supermarkets on up to $6,000 per year (then 1%) - but if you spend $6,000 at US supermarkets in a year, you'll earn $360 back with this card, so it could be worth paying the fee.</p><h2>But cash-back cards have much smaller sign-up bonuses</h2><p>While rewards-earning cards will sometimes offer sign-up bonuses as high as <a href="https://www.businessinsider.com/credit-cards-offers-with-100k-point-signup-bonus">100,000 points or miles</a>, cash-back card bonuses rarely crack $500. The popular <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Chase Freedom Unlimited</a>, for instance, currently offers a $150 bonus after you spend $500 on purchases in your first three months with the card.</p><p>That being said, several cash-back cards offer lucrative recurring category bonuses that make up for the lack of sign-up bonus. For example, the Discover it Cash Back offers 5% cash back on rotating categories on the first $1,500 in purchases each quarter you activate. On top of that, Discover matches all cash-back earned during the first year. That translates to 10% cash-back on rotating bonus categories with the Discover it Cash Back. So while you're not getting any cash back to start, there is often potential to earn more rewards.</p><h2>Points are more valuable than cash, but subject to devaluation</h2><p>Most award travel experts will tell you points are more valuable than cash back. But with airlines and hotel rewards programs devaluing their currencies and <a href="https://www.businessinsider.com/united-mileageplus-frequent-flyer-award-charts-passengers-furious-2019-4">doing away with award charts</a> all together, cash back is becoming increasingly more useful.</p><p>Cash-back rewards don't devalue - 1% cash back will always equal 1% cash back. In fact, with so many airlines offering cheap flights to <a href="https://www.businessinsider.com/you-can-book-a-flight-to-hawaii-for-as-cheap-as-298-right-now-2019-2">Hawaii</a>, <a href="https://www.businessinsider.com/international-spring-break-deals-europe-asia-cheapoair-2018-3">Europe, and Asia</a> year-round, using cash-back rewards might make more sense than redeeming miles for flights.</p><p>Frequent travelers often assign values to their airline miles that will dictate when redeeming them is the best value. There's no need to analyze redemption value with cash-back rewards. That's a nice benefit for folks who don't want to spend time learning about redemption values and maximizing miles.</p><h2>There are no restrictions on how you can redeem cash</h2><p>Sometimes when you're redeeming points for a hotel, a standard room won't do. Maybe it's a special occasion and you want to book a suite or you're traveling with a group and need a bigger room. With hotel rewards programs, suites will often require 50% more points and not all premium rooms are available on award stays. That's where cash-back comes in: You can book any hotel room without restricting yourself to a specific room type because you're redeeming rewards.</p><p>The same goes for premium airline redemptions. While booking first-class travel gets you the most bang for your miles, airlines are increasingly turning toward <a href="https://www.businessinsider.com/airlines-charging-different-fares-for-different-people-2018-2">dynamic pricing</a>. At this rate, premium seats may not even be attainable in the near future. On the other hand, airlines are increasingly discounting premium fares, making cash bookings more favorable than redeeming miles.</p><p>Cash-back rewards can be used for any travel booking, at any time. No blackout dates or redemption limitations to worry about. That flexibility can come in handy when hotels are sold out in a particular city and the only accommodations available are on Airbnb. Or perhaps an airline is blocking off award space during peak travel dates. With cash-back rewards, you can book a flight or hotel without being restricted by a particular reward program.</p><h2>Booking with cash instead of points helps you earn airline and hotel status</h2><p>With most airline and hotel loyalty programs, you will not earn points or elite status credits on travel booked with points. This is clearly not the case if you're using cash-back rewards to book travel.</p><p>Paying for travel with cash-back rewards enables you to earn points, miles, and elite-qualifying credits just like if you were to use regular cash. So not only can you cover travel expenses with a cash-back card, you can also continue earning points and elites status through airline and hotel rewards programs.</p><p>Earning elite status is pretty valuable if you're a frequent traveler and want benefits like upgraded accommodations, free breakfast at hotels, and accelerated earnings on paid travel.</p><h2>Consider diversifying your rewards with both points and cash back</h2><p>If you're open to paying an annual fee for one solid card, a good compromise could be to open a no-annual-fee cash-back card like the <a href="https://thepointsguy.com/card-details/wells-fargo-propel-american-express-card/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Wells Fargo Propel</a> or the <a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Chase Freedom Unlimited</a> as well as a rewards card that earns points.</p><p>The <a href="https://thepointsguy.com/card-details/chase-sapphire-preferred-card/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Chase Sapphire Preferred Card</a> has a $95 annual fee, but it could be well worth it thanks to the sign-up bonus of 60,000 Ultimate Rewards points after you spend $4,000 in the first three months. Plus, if you pair the <a href="https://www.businessinsider.com/chase-freedom-unlimited-review">Chase Freedom Unlimited</a> or the <a href="https://thepointsguy.com/card-details/chase-freedom/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Chase Freedom card</a> with a <a href="https://www.businessinsider.com/best-chase-card">Chase card</a> that earns Ultimate Rewards points, you have the option of <a href="https://www.businessinsider.com/turn-cash-back-into-chase-ultimate-rewards-points-freedom-cards">moving over your cash-back rewards to redeem them as full-fledged Ultimate Rewards points</a> that can be transferred to airline and hotel partners. This strategy would give you the flexibility to choose between cash back and rewards based on your priorities and travel plans.</p><h3><a href="https://thepointsguy.com/card-details/chase-freedom-unlimited/?utm_campaign=bi_10252019_aa_cash-back-vs-rewards&amp;utm_source=referral">Click here to learn more about the Chase Freedom Unlimited.</a></h3><ul class="read-more-links"><li>More <a href="https://www.businessinsider.com/category/credit-cards">credit card</a> coverage</li><li><a href="https://www.businessinsider.com/best-airline-credit-card-comparison-delta-united-american">What's the best airline credit card?</a></li><li><a href="https://www.businessinsider.com/best-cash-back-credit-cards">The best cash-back credit cards</a></li><li><a href="https://www.businessinsider.com/southwest-credit-card-comparison-which-to-get">Southwest credit card review</a></li><li><a href="https://www.businessinsider.com/best-rewards-credit-cards">Best rewards credit cards</a></li></ul>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/items-should-not-buy-costco-2016-8">9 items to avoid buying at Costco</a></h3>        <div>                    </div>    </div>

5 things to keep in mind when you're deciding between a rewards card and a cash-back card

<br />
In the age of e-commerce, we all are aware with the concept of cashbacks; however, a bunch of start-ups has now decided to give the power of redeeming these cashback points in the hands of their customers.<br />
 <br /> Start-ups like <keyword id="2858106" type="UNKNOWN" weightage="100" keywordseo="CrownIT">Crownit</keyword>, <keyword id="2843984" type="UNKNOWN" weightage="100" keywordseo="Fashalot">Fashalot</keyword> and <keyword id="3377475" type="UNKNOWN" weightage="100" keywordseo="nanolocal">Nanolocal</keyword> Technologies have brought the concept of <keyword id="1681418" type="UNKNOWN" weightage="100" keywordseo="loyalty-points">loyalty points</keyword>, by giving <keyword id="2561477" type="UNKNOWN" weightage="20" keywordseo="cashbacks">cashbacks</keyword> on customers’ mobile phones; furthermore, they are using gamification to make it more interesting and relevant for their customers, so that they can be attracted towards the services because of the benefits. <br />
 <br />
Sameer Grover, who founded the cashback app Crownit, told ET that the initial idea of launching a coupon-based app was because of the results of a survey, according to which customers were more likely to revisit a restaurant that offered them real benefits like free talk-time, rather than the ones where benefits depended on their future visits. <br />
 <br />
He thus launched a gamified app, which allowed users to record all their purchases and receive cashback in the form of crowns, an idea that was fun and different from the usual and boring ones.<br />
 <br />
"It gives a kick to get a notification on your phone that says 30 crowns have been credited to your account," he said. The start-up now claims that it has over 8,00,000 users, while seeing a monthly redemption of points worth Rs 4 crore. <br />
<br />
For parties on the other side of the counter, i.e. merchants, restaurant owners and retailers, such apps bring more physical traffic.<br />
 <br />
Retailers pay the app owners commissions on every transaction that customers upload in the form of bill, from which a part is passed on to users in the form of cashback, the reason why they like to use the app more and more. <br />
<br />
<a href="http://footage.framepool.com/shotimg/qf/918043111-text-message-looking-down-typing.jpg"><em>Image source</em></a><br />

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