With my first company, I got a chance to open an account with Citi bank. Thats when, Citi bank offered me a credit card. This is citi cash back card.
Most importantly this is easily available online, one has just apply online on their portal. You get 5% cash abck on all utility bills. Also, there are enormous amount offers from time to time for various dining hotels, branded shops, and so on.
When it come to pay back of money, they give EMI and balance transfer facility which makes payment convenient and easy.