Everyone loves saving money while shopping, and you too, right?
Getting cashback while shopping is one of the best ways to do it. Whether you’re shopping online or in-store, earning cashback helps you get a percentage of your spending back, making every purchase more rewarding.
But how do you maximize your cashback savings?
There are many cashback apps, credit card deals, and special offers out there. However, using the right strategies can help you earn more with each purchase. In this savings guide, we will look at cashback, how it functions, and the best methods to make the most of it for your savings.
So, get ready to shop smarter and make the most of every rupee you spend!
What Is Cashback and How Does It Work?
Cashback is a reward program that returns a part of your spending when you shop, either online or in stores. Instead of an instant discount, you receive money back after your purchase is done. This allows you to save even more on what you buy.
Let me give you an example, so you can understand it better.
Suppose, if you buy a product worth ₹1,000 using a 10% cashback offer, which means you’ll get ₹100 back in your account. This way, cashback helps you save more with every transaction!
Now, this is how cashback works:
- Shop Through a Cashback Platform – Use cashback websites, apps, or credit cards offering cashback rewards.
- Make a Purchase – Buy products from partnered stores or brands.
- Earn Cashback – A percentage of your purchase amount is credited to your account.
- Redeem Your Cashback – Once you reach the minimum payout, you can withdraw it to your bank account, or wallet, or use it for future shopping.
In this way, cashback is becoming more favourite for savvy shoppers because you can even use it with other offers such as bank offers, coupons, etc. when used wisely with a cashback app.
Best Ways to Earn Maximum Cashback While Shopping
Earning cashback is easy, but maximizing it requires smart shopping strategies. By using the right platforms, payment methods, and promotional offers, you can get the most out of your purchases.
Here are the best ways to boost your cashback earnings:
1. Use Cashback Apps or Website
Cashback websites and apps can make it a lot simpler for you to earn money back on your purchases by partnering with top e-commerce stores. When you shop through these platforms, they track your transactions and give you a percentage of your spending once it’s confirmed.
And, if you actually need a high-paying and trusted cashback app, you can check Earnow. We are partnered with 400+ brands, including popular ones like Flipkart, Myntra, AJIO, and more, while paying up to 40% cashback on all your purchases.
Not only that, there are some more benefits of using Earnow:
✅ Get guaranteed cashback on every transaction.
✅ Earn upto 40% extra cashback on top of existing discounts and offers.
✅ Redeem cashback easily to your bank account or wallet.
✅ Access to exclusive deals and coupons to maximize your savings.
✅ Premium access to Earnow’s special sales to all users (e.g. 2X Cashback Sale)
There are many more platforms you can check, including CashKaro, GoPaisa, CouponDunia, and PaisaWapas but if you need more balanced savings with high-paying cashback, you must consider using Earnow!
Now, here’s how to use cashback websites or apps:
- Sign up on a trusted cashback website or app.
- Search for your favourite online store and click on the cashback link.
- Complete your purchase, and cashback will be credited to your account.
- Withdraw your cashback to your bank account, or wallet, or use it for future shopping.
This way, with the proper use of a cashback website or app you can significantly increase your savings without doing a hefty task, just shop through and enjoy your cashback.
2. Maximize Cashback with the Right Credit Cards
A great way to boost your cashback while shopping is to use credit cards that provide rewards for daily expenses like shopping, eating out, gas, and paying bills. Many of these cards also give cashback based on specific categories, helping you save more according to how you spend.
At Earnow, you can get all the popular cashback credit cards and earn up to ₹3,000 in cashback. Here’s a list of top credit cards available on Earnow:
| Credit Card | Credit Card Details (Rewards You’ll Get) | Cashback (from Earnow) |
| ICICI Platinum Credit Card | Earn 2X Reward Each Time You Shop | Upto ₹1,058 |
| Flipkart Axis Bank Credit Card | 5% cashback on Flipkart, 4% on select brands, 1.5% on other transactions | Upto ₹1,920 |
| HDFC Millennia Credit Card | Save up to ₹36,000 a year on Swiggy and other online expenses | Upto ₹2,100 |
| SBI Cashback Card | 10X rewards on Myntra, MakeMyTrip, and 400+ Brands | Upto ₹1,500 |
| Axis Credit Card | 20% Discount on Swiggy & Bigbasket + 10k Edge Rewards | Upto ₹1,920 |
3. Boost Cashback During Sales and Festive Offers
Shopping during sales events can double or even triple your cashback earnings. Many e-commerce platforms, banks, and wallets offer limited-time cashback deals during festive seasons and mega sales.
Here’s how you can maximize your cashback during sales:
- Shop on major sale days like Flipkart Big Billion Days, Amazon Great Indian Festival, and Myntra End of Reason Sale.
- Combine discounts with cashback offers for maximum savings.
- Look for additional bank and wallet cashback deals available during sale events.
So, when you shop on special occasions, you can enjoy huge discounts, which makes festive shopping really enjoyable.
4. Join Refer & Earn Programs
If you need a way to earn unlimited cashback, joining refer and earn programs for credit cards and cashback apps can help you earn additional income that you can use while shopping.
Earning through refer and earn is that simple: refer within your network, and when someone signs up, purchases, or clicks on your joining link, you’ll be rewarded!
You can join Earnow’s refer and earn program and earn additional income along with cashback when you make purchases from our 400+ brand partners. We give ₹10 as a referral bonus and ₹25 to your referred person, so you both can enjoy!
If you want to earn more through affiliate marketing, we suggest using the Share and Earn feature where you can earn up to 10% extra commission on your friends’ purchases.
Isn’t that awesome? So, start using Earnow to get cashback and earn with every purchase you make.
5. Look for Bank & Wallet Cashback Offers
Banks and digital wallets often provide cashback deals for shopping, mobile top-ups, bill payments, and food delivery. You can earn instant cashback by using certain bank cards or wallets for your payments.
How to Earn Cashback with Bank and Wallet Payments?
- Visit your bank’s website or app to find current cashback promotions.
- Use digital wallets like Paytm, Google Pay, and PhonePe for cashback on recharges and bills.
- Check for cashback offers from banks—many provide 5-10% cashback on specific transactions.
💡 Pro Tip: Use various payment options (credit cards, wallets, UPI) to increase your cashback rewards across different services!
By using all these methods, you can maximize your cashback while shopping across multiple categories such as fashion, mobiles, electronics, etc. And, even get massive discounts while shopping on festive offers.
How to Maximize Your Cashback Savings? [Expert Tips]
Getting cashback is great, but knowing how to maximize it can help you save even more. Here are some expert-level strategies to boost your cashback earnings on every purchase.
1. Use Multiple Cashback Offers
Why settle for one cashback deal when you can combine multiple? Here’s how to use multiple cashback offers:
- Earn Earn Cashback + Retailer Discounts.
- Use bank & wallet offers for extra savings.
- Redeem loyalty points to cut costs further.
For example, if Earnow gives 5% cashback, your bank adds 10% cashback, and a sale offers 15% off, using them together can maximize your savings.
2. Shop in High-Cashback Categories
Some categories offer higher cashback than others. Focus on:
- Fashion & Accessories
- Electronics & Gadgets
- Food Ordering & Groceries
- Travel & Hotel Bookings
Plan your purchases in these categories to earn the most cashback.
3. Time Your Shopping Right
Shopping at the right time means more cashback! Here’s when to shop smartly:
- Festive sales bring higher cashback.
- Weekend offers boost savings.
- Off-season travel bookings earn more cashback.
Also, check Earnow’s latest promotions before shopping to grab the best deals or some limited-time deals.
4. Redeem Cashback Smartly
Cashback is great—if you use it wisely! Here’s how to properly use the cashback:
- Withdraw when minimum payout is reached.
- Use it for future purchases to save more.
- Look for bonus redemption offers to multiply savings.
With Earnow, redeeming cashback is quick & hassle-free!
5. Stay Updated on Best Deals
The best cashback offers change fast! Don’t miss out:
- Subscribe to Earnow’s alerts for top cashback deals.
- Follow social media for flash offers.
- Check Earnow’s homepage before every purchase.
By staying informed, you can always shop at the highest cashback rates.
Final Tip: The smarter you shop, the more cashback you earn!
How to Avoid Common Cashback Mistakes?
Earning cashback sounds easy, but one small mistake can lead to losing your rewards. Avoid these common cashback mistakes to ensure you get every rupee you deserve, whether you’re using cashback apps, credit cards, or any other methods.
Earning cashback seems simple, but small mistakes can reduce or even cancel your rewards. Here’s what you need to avoid to ensure you get the most out of every purchase.
1. Ignoring Cashback Terms & Conditions
Every cashback offer has specific terms, such as:
- Minimum spending requirement
- Eligible payment methods
- Excluded product categories
Therefore, always read the fine print before making a purchase to avoid missing out on cashback.
2. Not Completing Transactions in a Single Session
When shopping through cashback websites, ensure you:
- Click on the retailer’s link from Earnow first.
- Complete your purchase without visiting other websites.
- Avoid using ad blockers, as they can interfere with tracking.
Note: Switching tabs or delaying checkout may invalidate your cashback.
3. Forgetting to Activate Credit Card Cashback Offers
Many credit cards require you to activate cashback deals manually. Always:
- Check your bank’s app or website for ongoing cashback offers.
- Activate eligible offers before making purchases.
- Use the right credit card that gives maximum cashback for your purchase category.
4. Not Verifying Payment Methods for Cashback
Some cashback deals apply only on certain payment modes, such as:
- Credit cards but not debit cards
- Specific wallets like Paytm, PhonePe, or Amazon Pay
- UPI transactions over a minimum amount
So, always confirm which payment methods qualify for cashback before checkout.
5. Missing Cashback Expiry Deadlines
Cashback doesn’t stay valid forever. Many platforms have:
- Limited-time withdrawal windows
- Expiration dates on earned cashback
- Bonus cashback that must be redeemed within a set period
So, it’s advised to track your cashback regularly and redeem it before it expires.
To make sure you earn the best cashback on your purchases through cashback apps, credit cards, or e-wallets, don’t make these mistakes. Remember them before spending. Especially with cashback apps, using Earnow helps you secure reliable cashback rewards.
Conclusion
Getting cashback is a great way for smart shoppers to save more money on their purchases. By using effective methods, you can easily increase your cashback rewards.
To summarize, always shop using cashback apps or websites, choose credit cards that offer the best rewards, and take advantage of bank and wallet promotions. Shopping during holiday sales and joining refer & earn programs can also help you earn more.
Remember to avoid mistakes like overlooking terms, skipping activation steps, or using payment methods that don’t qualify which can even cancel out your cashback forever.
And, if you want a reliable cashback platform, Earnow is the top option. With excellent cashback offers, easy tracking, and guaranteed payouts, it helps you save every time you shop. Start using Earnow today to make your purchases even more rewarding!
