Discover it Cash Back (USA) Card: Paise Bachao, Rewards Kamao!

# Discover it Cash Back (USA) Card: Paise Bachao, Rewards Kamao!

Namaste doston! Aaj hum baat karenge ek aise credit card ki jo aapke shopping ke mazze ko aur bhi badhata hai – **Discover it Cash Back Card**! Yeh card USA mein kaafi popular hai kyunki iske saath aap har purchase par cash back kama sakte hain, aur woh bhi bina kisi jhanjhat ke. Agar aap apne daily kharchon se thodi si bachat karna chahte hain aur rewards ka maza lena chahte hain, toh yeh article aapke liye perfect hai. Let’s dive in and explore kya hai yeh Discover it Cash Back Card aur kaise aap isse fayda utha sakte hain!

## What is Discover it Cash Back Card?

Discover it Cash Back Card ek aisa credit card hai jo aapko har kharidi par cash back rewards deta hai. Iska USP hai iska **rotating bonus categories** system, jismein har quarter (3 mahine) mein aapko alag-alag categories (jaise grocery, dining, ya Amazon shopping) par 5% cash back milta hai. Baaki purchases par aapko 1% cash back milta hai. Aur sabse mazedaar baat? Discover aapke pehle saal ke cash back ko **double karta hai** with its Cashback Match program! Yani, agar aapne $200 cash back kamaaya, toh Discover aapko $400 dega at the end of your first year. Kya baat hai, na?

### Key Features of Discover it Cash Back Card

- **5% Cash Back on Rotating Categories**: Har quarter mein new categories jaise gas stations, restaurants, ya online shopping par 5% cash back (up to a limit).

- **1% Cash Back on All Other Purchases**: Har purchase par guaranteed 1% cash back.

- **Cashback Match**: Pehle saal ke end mein aapke saare cash back rewards double ho jaate hain.

- **No Annual Fee**: Yeh card bilkul free hai, koi saalana fee nahi!

- **No Foreign Transaction Fees**: Videsh mein shopping karo, bina extra fee ke.

- **Free FICO Credit Score**: Aap apna credit score free mein check kar sakte hain.

## Kaise Apply Kare Discover it Cash Back Card Ke Liye?

Applying for the Discover it Cash Back Card is super easy aur bilkul digital hai. Aap ghar baithe iske liye apply kar sakte hain. Here’s the step-by-step process:

1. **Visit Discover’s Official Website**: Discover.com par jao aur “Credit Cards” section mein “Discover it Cash Back” card choose karo.

2. **Fill the Online Application**: Apna basic info jaise name, address, income, aur Social Security Number daal do.

3. **Check Pre-Approval**: Discover aapko pre-approval check karne ka option deta hai, jisse aapka credit score affect nahi hota.

4. **Submit Application**: Details verify karo aur application submit kar do.

5. **Wait for Approval**: Usually, aapko turant ya 7-10 din mein approval status mil jaata hai.

6. **Activate Your Card**: Card milne ke baad, usse online ya phone se activate karo aur cash back kamao shuru karo!

**Pro Tip**: Har quarter mein 5% cash back categories ko activate karna na bhoolo. Yeh ek simple click ka kaam hai Discover website ya app par.

## Important Documents for Applying

Discover it Cash Back Card ke liye apply karte waqt aapko kuch basic documents ya information ready rakhni hogi:

- **Social Security Number (SSN)**: Yeh USA mein mandatory hai credit card applications ke liye.

- **Proof of Income**: Aapka recent pay stub ya tax return statement kaafi hai.

- **Address Proof**: Utility bill ya lease agreement ka use ho sakta hai.

- **ID Proof**: Driver’s license ya passport chahiye hoga.

- **Bank Account Details**: Cash back redeem karne ke liye linked bank account details handy rakho.

**Note**: Discover online application process mein zyadatar documents upload karne ki zarurat nahi hoti, lekin verification ke liye inhe ready rakho.

## Eligibility Criteria for Discover it Cash Back Card

Yeh card sabke liye nahi hai, isliye eligibility check karna zaroori hai:

- **Age**: Aapki umar kam se kam 18 saal honi chahiye.

- **Credit Score**: Aapka FICO score 670 ya usse zyada hona chahiye (good to excellent credit).

- **Residency**: Aapko USA ka resident hona zaroori hai.

- **Income**: Aapke paas regular income source hona chahiye, jaise job ya business.

- **No Bankruptcy**: Recent bankruptcy ya major credit issues wale applicants ko approval milna mushkil ho sakta hai.

## Additional Benefits of Discover it Cash Back Card

Is card ke saath aur bhi kaafi benefits hain jo aapke paise aur time dono bachate hain:

- **Flexible Redemption Options**: Aap apna cash back gift cards, statement credits, ya direct bank deposit ke roop mein redeem kar sakte hain.

- **Customer Service**: Discover ka 24/7 USA-based customer service top-notch hai.

- **Fraud Protection**: Agar aapka card misuse hota hai, toh Discover $0 fraud liability guarantee deta hai.

- **Freeze It Feature**: Card kho jaye ya chori ho jaye, toh aap instantly app se card freeze kar sakte hain.

## Tips to Maximize Your Cash Back Rewards

Yeh card ke rewards ka full fayda uthane ke liye yeh tips try karo:

- **Track Rotating Categories**: Har quarter ke 5% cash back categories ka calendar check karo (jaise Q4 2024 mein Amazon aur Target par 5% cash back hai).[](https://www.usatoday.com/money/blueprint/credit-cards/discover-it-cash-back-categories/)

- **Activate Bonus Categories**: Har 3 mahine mein categories activate karo warna 5% cash back nahi milega.

- **Use for Big Purchases**: Bonus categories mein bade kharche karo, jaise holiday shopping, to maximize rewards.

- **Combine with Cashback Sites**: Rakuten ya Swagbucks jaise cashback sites ke saath card use karo aur extra bachat karo.[](https://millennialmoney.com/cash-back-sites/)

- **Pay Balance on Time**: Interest se bachne ke liye har mahine full balance pay karo.

## FAQs About Discover it Cash Back Card

**Q1: Discover it Cash Back Card ke liye minimum credit score kya chahiye?**  

**Ans**: Aapka FICO score kam se kam 670 hona chahiye, lekin higher score se approval chances badh jaate hain.

**Q2: Cash back kaise redeem kar sakte hain?**  

**Ans**: Aap cash back ko statement credit, bank deposit, gift cards, ya charitable donations ke roop mein redeem kar sakte hain. Minimum redemption amount nahi hai!

**Q3: Rotating categories kaise pata chalte hain?**  

**Ans**: Discover har saal ek calendar release karta hai jismein saare rotating categories listed hote hain. Aap Discover app ya website se check kar sakte hain.

**Q4: Kya yeh card students ke liye hai?**  

**Ans**: Students ke liye Discover it Student Cash Back Card hai, jo similar rewards deta hai but lower credit score wale eligible ho sakte hain.[](https://www.usatoday.com/money/blueprint/credit-cards/reviews/discover-it-student-cash-back-review/)

**Q5: Cashback Match kya hai?**  

**Ans**: Pehle saal ke end mein, Discover aapke saare cash back rewards ko double karta hai. Yani $100 cash back hua toh $200 milega

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## Why Choose Discover it Cash Back Card?

Agar aap ek aisa credit card dhoondh rahe ho jo simple, rewarding, aur user-friendly ho, toh Discover it Cash Back Card ek shandaar option hai. Iske rotating categories aur Cashback Match program ke saath, aap apne daily kharchon se dher saara cash back kama sakte hain. Plus, no annual fee aur top-notch customer service iski value aur badha dete hain. Toh abhi apply karo, aur apne shopping ke saath savings ka maza lo!

**Disclaimer**: Credit card terms and conditions change ho sakte hain, isliye apply karne se pehle Discover ki official website par latest details check karo.

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