With Diwali just round the corner, shopping malls across the country are overflowing with enthusiastic buyers armed with credit cards.

And to make the most of this season, credit card companies give various incentives to customers to use their cards; often in the form of 'cash back' offers.

Do you think this is a good incentive to make people use credit cards more? Have you ever got any cash back on the use of credit cards that offer 'cash back'? Are you normally aware of the terms and conditions of your cash back credit card?

Tell us what your experience has been 'cash back' credit cards.