Best Cashback Credit Cards

Cashback is a form of benefit a credit card offers on transactions made with the card. You spend money on shopping or anything and get real value back instead of rewards. This cashback can be used later for redemption against cash, vouchers, tickets, or other services and privileges.

Below is the table of the Best Cash Back Credit Cards in India:

You can also check the best rewards credit card from American Express® Membership Rewards Credit Card Online.

Following are top 10 cashback credit cards that can use as shopping credit card as well their key features are mention below:

Axis Bank ACE Credit Card

This card is your everyday companion with accelerated cashback on all your spends. 

• Joining Fee: Rs. 499; Reversed on spending Rs. 10,000 within 45 days of card issuance.
• Annual Fee: Rs. 499; Waived off on annual spends of more than Rs. 2,00,000.

Key Features:

• This credit card offers cash back of 5% on bill payments.
• 4% cashback on Swiggy, Zomato, and Ola.
• 2% cashback on all other spends.
• 4 complimentary lounge visits per calendar year at select domestic airports.
• 1% fuel surcharge waiver.
• Up to 20% off at over 4000 partner restaurants in India.
• Convert purchases worth Rs. 2,500 or more into EMIs.

Flipkart Axis Bank Credit Card

This card offers unlimited accelerated credit card cash backs on every transaction across all your favourite categories, including travel, shopping, entertainment and lifestyle.

• Joining Fee: Rs. 500.
• Annual Fee: Rs. 500; Waived off on annual spends of more than Rs. 2,00,000.

Key Features:

• Joining & activation benefits worth Rs. 1,100.
• 5% cashback on Flipkart.
• 4% cashback on preferred merchants.
• 1.5% cashback on all other categories. 
• 4 complimentary lounge visits per calendar year at select domestic airports.
• 1% fuel surcharge waiver.
• Up to 20% off at partner restaurants in India.
• Convert purchases worth Rs. 2,500 or more into EMIs.

HSBC Cashback Credit Card

This globally accepted credit card allows contactless payments while giving you unlimited cashback on all transactions.

• Joining Fee: Nil.
• Annual Fee: 1st-year annual fee is waived for all cards issued between 1 January to 30 September 2022. Rs. 750 from 2nd year onwards (reversed on total annual spends above Rs. 1,00,000).

Key Features:

• It is unlimited cash back credit card that gives cashback on all your transactions.
• 1.5% cashback on all online spends (except the transfer of funds to an online wallet). 
• 1% cashback on all other spends.
• The card comes at zero joining fees.
• Amazon & Swiggy vouchers worth Rs. 500 each.
• 12 months membership of SonyLIV.
• Myntra vouchers worth Rs. 1,500.
• Ajio vouchers worth Rs. 3,000.
• Attractive discounts on Amazon.in, Amazon Pay, EazyDiner, Blinkit & PharmEasy.
• 3 complimentary lounge access at domestic & international airports or 3 meal vouchers for use at airport restaurants in India.

HDFC Millennia Credit Card

It is one of the highest cash back credit cards that offer 5% cashback on popular brands and complimentary access at domestic airport lounges per calendar year.

• Joining Fee: Rs. 1,000 + applicable taxes
• Annual Fee: Rs. 1,000 + applicable taxes; Waived off on spending Rs. 1,00,000 or more in a year before the credit card’s renewal date.

Key Features:

• Welcome benefit of 1000 Cash Points on payment of membership fee.
• 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Sony LIV, Swiggy, Zomato, Tata CLiQ and Uber.
• 1% cashback on all other spends (except fuel), including EMIs & Wallet transactions.
• Rs. 1,000 worth of gift vouchers on spending Rs. 1,00,000 or more in each calendar quarter.
• Up to 20% discount on partner restaurants via Dineout.
• 8 complimentary access at domestic airport lounges per calendar year (2 in a quarter).
• 1% fuel surcharge waiver across all fuel stations in India. 
• Spend Rs. 1 Lakh or above in the preceding 12 months and get your renewal membership fee waived off for next year.

HDFC Bank MoneyBack Credit Card

It is one of the best HDFC credit card for cashback. This card is best suited for those who are looking for reward points/cash points on all their offline as well as online spending.

• Joining Fee: Rs. 500 + applicable taxes.
• Annual Fee: Rs. 500 + applicable taxes; Waived off on spending Rs. 50,000 and above in the first year.

Key Features:

• 2 Reward Points on spending every Rs. 150 (except on fuel transactions, wallet loads, prepaid card loads & voucher purchases).
• 2X Reward Points (i.e. 4 Reward Points) on spending every Rs. 150 online.
• Get a gift voucher worth Rs. 500 every quarter on spending Rs. 50,000 (up to Rs. 2,000 worth of gift vouchers in a year). 
• 1% fuel surcharge waiver (maximum Rs. 250 per statement cycle) on fuel transactions of Rs. 400 to Rs. 5,000. 
• Welcome benefit of 500 Cash Points on payment of membership fee.
• Spend Rs. 50,000 or above in the first year to get your renewal membership fee waived.

American Express SmartEarn™ Credit Card

With the American Express SmartEarn™ credit card, one can get 10X membership rewards points with spending on Amazon, BookMyShow, Flipkart, Uber, Zomato, Ajio, Nykaa, PVR, BlinkIt, and Myntra.

• Joining Fee: Rs. 495 + GST.
• Annual Fee: Rs. 495 + GST. 

Key Features: 

• 10X membership rewards points with spending on Amazon, BookMyShow, Flipkart, Uber, Zomato, Ajio, Nykaa, PVR, BlinkIt, and Myntra.
• Users can earn 1,250 membership rewards points by spending only Rs 7,500 in a month with the help of 10X and 5X spend categories. 
• Get 500 rewards points each on spending Rs 2,500 in a month at Zomato and collectively at BookMyShow, Flipkart, Uber, etc. 250 rewards points can be earned through Amazon and Paytm wallet transactions of Rs 2,500.
• With the help of 10X and 5X spend categories, an American Express SmartEarn™ credit card user can earn 1,250 membership rewards points by spending only Rs 7,500 in a month.

Standard Chartered Manhattan Platinum Credit Card

This card offers cashback at supermarkets along with 3X rewards on all spends and a host of discounts and offers at nominal joining and renewal charges. 

• Joining Fee: Rs. 999 + GST.
• Annual Fee: Rs. 999 + GST. 

Key Features:

• 5% cashback at supermarkets.
• 3X rewards on using the credit card for all other expenses.
• Reward points can be redeemed for exciting products at the 360 Degree Rewards portal.
• Get up to 15% off on e-vouchers and Tata Cliq, a 20% discount at BookMyShow, and up to 25% instant discount at Easymytrip, along with a host of other offers and discounts.
• Convert all your credit card transactions above Rs. 5,000 into easy EMIs through Kuch Bhi on EMI (KBE).
• Transfer credit card balance up to Rs. 5 Lakhs from another bank’s credit card at an attractive rate of interest.

Cashback SBI Card

This cashback credit card by SBI offers 5% cashback on all online and 1% cashback on all offline spends. All that for absolutely free in the first year, as there is no joining fee involved.

• Joining Fee: Nil.
• Annual Fee: Rs. 999 + taxes; Reversed on annual spends of Rs. 2,00,000 or more in last year. 

Key Features:

• Enjoy all the privileges absolutely free for the first year.
• 5% cashback on all online spending without any merchant restrictions.
• 1% cashback on all offline spends and utility bill payments.
• Cashback is auto-credited to your SBI Card account within 2 days of your next statement generation. 
• Renewal fee is reversed on annual spends of Rs. 2 Lakhs.
• 4 complimentary lounge visits in a year (1 visit per quarter) at select domestic airports. 
• 1% fuel surcharge waiver at all petrol pumps in India.

YES Prosperity Cashback Plus Credit Card

With YES Prosperity Cashback Plus Credit Card, earn extra cashback on your regular transactions and get your cashback automatically as a statement credit.

• Joining Fee: Rs. 1,499 + applicable taxes.
• Annual Fee: Rs. 1,499 + applicable taxes.

Key Features:

• Welcome benefit of Rs. 250 cashback on total spends of Rs. 2,500 within 30 days of card set up.
• 5% cashback on spends done on movies, grocery, and utility bill payments. 
• 5% cashback on bill payments with YES PayNow.
• 0.75% cashback on all other spends (except fuel).
• Fuel surcharge waiver of 1% at all fuel stations in India for transactions between Rs. 400 to Rs. 5,000.
• Convert transactions of Rs. 2,500 or above into 3 to 24 EMIs. 
• Credit Shield Cover in case of Primary Cardmember’s accidental death. 

Kotak Delight Platinum Credit Card

This credit card makes your entertainment, eating out, and travelling experiences even more delightful with unmatched cashback, surcharge waivers and many other benefits.

• Joining Fee: Rs. 1,999 + GST.
• Annual Fee: Rs. 299 + GST.

Key Features:

• 10% cashback (up to Rs. 600) on dining (stand-alone outlets) and movies every month on spending a minimum of Rs. 10,000 on categories (other than dining & entertainment) within the billing cycle.
• Up to Rs. 4,500 fuel surcharge waiver in a calendar year. 
• Save railway surcharge waiver (up to Rs. 500 in a calendar year) for transactions on www.irctc.co.in and Indian Railways Booking Counters. 
• Get 4 free PVR tickets (up to 8 free PVR tickets a year) or Rs. 750 cashback (up to Rs. 1,500 cashback a year) on spending Rs. 1,25,000 every 6 months.
• In case your card is stolen, you will be eligible for a cover of Rs. 1,25,000 against fraudulent usage up to 7 days pre-reporting.

You can also check Best Fuel Credit Card in India & apply online.

We are partnered with 100+ Banks and Non-Banking Financial Companies (NBFCs) in India. Applying for the best cashback card online is easy and instant through our lending portal. You can check your eligibility for the preferred cashback credit card and apply for it in a jiffy.

Just follow the steps mentioned below:

• Go to the Credit Cards page from the homepage.
• Find the list of cashback credit cards offered by our partner lenders
• Choose your preferred option and fill in the detailed online application form to complete the process.
• If you are deemed eligible by the lender, you can apply online for the card by following the subsequent steps.
• On successfully submitting all the documents and application as required by the lender, you will receive an 'Application ID'. You can use this ID to track your application and for future reference.

Additional Info: Check the Credit Card Billing Cycle also.