With my second company, I got a chance to open an account with Hsbc bank. Thats when, HSBC bank offered me a credit card. This is HSBC cash back card.
Most importantly this is easily available online, one has just apply and one their representative will co-ordinate as per our convenience. You get cash back on all utility bills. Also, there are enormous amount offers from time to time for various dining hotels, branded shops, and so on.There are monthly offers and rewards given out in form of vouchers.
When it come to pay back of money, they give EMI and balance transfer facility which makes payment convenient and easy.