[billfruit]

I think in India, there is no extra charges if you pay via credit card at most merchants, i.e you pay the same amount as what you would pay with cash.

[kovrik]

Same in NZ, but credit cards with cashback have monthly/annual fees.

For example, ASB (bank) asks ~$150 per year for a cashback credit card. How much do you get from cashback on average?