Updated on - 11 October 2024 

Best CashBack Credit Card in India 

A credit card can give a variety of incentives to its customers, including cashback. Credit cards compensate you for every rupee you spend with real cash rather than coupons or other bundled deals. Cashback credit cards come in a variety of types in India. 

However, there are so many options that it may be difficult for you to select one. We've put together a list of the best cashback credit cards available for you to choose from. Take a look!

Best Cashback Credit Card in India for 2024

When you use a cashback credit card to make a purchase, you receive a portion of the purchase price as cashback. Credit card companies credit the amount you earn to your account, which is visible on your credit card statement each month.

Here is a list of India’s best cashback credit cards to carry in your wallet -

Name of Cash Back Credit Card	Joining Fee	Annual Fee
Axis ACE Credit Card	Rs. 499	Rs. 499
HDFC Bank MoneyBack Credit Card	Rs. 500 + Taxes	Rs. 500 + Taxes
Standard Chartered Super Value Titanium	Rs. 750	Rs. 750
Amazon Pay ICICI Bank Credit Card	Nil	Nil
HSBC Live+ Credit Card (formerly HSBC Cashback Credit Card)	Rs. 999	Rs. 999
HDFC Millennia Credit Card	Rs.1,000 + Taxes	Rs.1,000 + Taxes
AU Altura Credit Card	Rs. 199 + taxes	Rs. 199 + taxes
Citi Bank Cashback Credit Card	Rs. 500	Rs. 500
YES Prosperity Cashback Credit Card	Rs. 999 + Taxes	Rs. 999 + Taxes
Kotak League Platinum Credit Card	Rs. 499	Rs. 499
Standard Chartered Smart Credit Card	Rs. 499 + GST	Rs. 499 + GST
Cashback SBI Card	Rs. 999	Rs. 999
Flipkart Axis Bank Credit Card	Rs. 500	Rs. 500
Swiggy HDFC Bank Credit Card	Rs. 500	Rs. 500
Airtel Axis Bank Credit Card	Rs. 500	Rs. 500

Axis ACE Credit Card

The Axis Bank ACE Credit Card offers cashback on every spend you make using the card. It covers major spending categories such as Swiggy, Zomato, and Ola. Also, there is no cap on the cashback, which makes it a great choice at just Rs. 499.

You are eligible for the card if you are an Indian resident between the ages of 18 and 70. 

Suitable for: Beginner credit card users who frequently use Google Pay, Swiggy, Zomato, and Ola.

Joining Fee	Rs. 499; Nil for some channels
Annual Fee	Rs. 499, second year onwards. Will be waived off if you spend more than Rs.2 Lakh in that year.
Other Benefits & Features	4 complimentary domestic airport lounge visits per year 1% fuel surcharge waiver on spends between Rs. 400 to Rs. 4,000 5% reward on utility bill payments, DTH, and cellphone recharge with Google Pay 4% cashback for Swiggy, Zomato, and Ola 2% cashback for all other qualified purchases Up to 20% discount at over 4,000 participating restaurants

HDFC Bank MoneyBack Credit Card

The HDFC Bank MoneyBack Credit Card is a super-saver credit card that offers instant cashback on every spend. Once you pay the joining fee, you get 500 cash points as a welcome benefit. 

To be eligible for this card, your income should be minimum Rs. 25,000 per month or your ITR should be of minimum Rs. 6 Lakh per annum. However, please note that if left unused for 6 months, the bank will cancel the card after prior notice. 

Suitable for: New credit card users who make a lot of online transactions.

Joining Fee	Rs. 500 + Taxes
Annual Fee	Rs. 500 + Taxes. Waived off if you spend Rs. 50,000 and above in the first year.
Other Benefits & Features	2 Reward Points for every Rs. 150 spent (excluding fuel transactions, wallet or prepaid card loading, and voucher purchases) 4 Reward Points for every Rs. 150 spent online Every quarter, receive a Rs. 500 gift voucher for spending Rs. 50,000  Earn up to Rs. 2,000 in gift certificates each year 1% fuel surcharge waiver on fuel transactions

Standard Chartered Super Value Titanium Credit Card

The Super Value Titanium Credit Card offers multiple benefits including cashback and reward points. You can get the card completely online by completing your KYC through video. 

If you are within the ages 21 and 65, and have a minimum monthly income of Rs. 55,000, you are eligible for this card. 

Suitable for: Users who use their credit card to pay utility and telephone bills in addition to other purchases.

Joining Fee	Rs. 750
Annual Fee	Rs. 750
Other Benefits & Features	5% reward on fuel purchases at all stations, up to Rs. 200 per month 5% cashback on your telephone bills, for any transaction amount exceeding Rs. 750 5% reward when you pay your utility bills For every Rs. 150 you spend on all other expenses with your credit card, you receive one reward point

Amazon Pay ICICI Bank Credit Card

This credit card is best for Amazon Prime subscribers and earnings are in the form of an Amazon Pay balance. For all reward points, 1 point equals Re. 1. You can also get no-cost EMI for 3-6 months on Amazon.

Suitable for: Amazon Prime subscribers who shop extensively on the platform.

Joining Fee	Nil
Annual Fee	Nil
Other Benefits & Features	5% cashback on Amazon purchases for Prime members 3% cashback on Amazon purchases for non-Prime members 2% cashback on purchases from Amazon Pay partner merchants 1% cashback on other expenses 1% discount on gasoline fees at all petrol pumps in India

HSBC Live+ Credit Card

Formerly known as the HSBC Cashback Credit Card offers up to 10% cashback on food-related spending. This card offers cashback instead of rewards points, which is helpful if you find the idea of redeeming points too hectic. 

Suitable for: Users who spend more frequently on groceries, dining, and food delivery.

Joining Fee	Rs. 999
Annual Fee	Rs. 999. Will be waived off if you spend more than Rs. 2 Lakh every year.
Other Benefits & Features	10% cashback on food spending and 1.5% unlimited cashback on all other spending 10% cashback on all dining, food delivery, and grocery spending (limited to Rs. 1,000 per billing cycle) Cashback is also available through the Instant EMI (Equated Monthly Installment) function on your card at select retailers Receive cashback credited to your account within 45 days of your card's statement date

HDFC Millennia Credit Card

The HDFC Millenia Credit Card offers zero lost card liability, an interest free credit period of up to 50 days, and revolving credit at minimum interest. It is a great cashback card to have that also offers contactless payments and smart EMIs.

To be eligible for this card, a salaried individual should have a minimum income of Rs. 35,000 per month. If one is self-employed, their ITR must be of minimum Rs. 6 Lakh per annum. All Indian residents within the age of 21 and 40 are eligible to apply for this card.

Suitable for: Users who spend a huge part of their money on online apps for food, travel, fitness, and shopping.

Joining Fee	Rs. 1,000 + Taxes
Annual Fee	Rs. 1,000 + Taxes. Will be waived off if you spend more than Rs. 1 Lakh in a year.
Other Benefits & Features	5% cashback at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato 1% reward on all other spends (excluding fuel), including EMI and wallet transactions Receive Rs. 1000 gift certificates for spending Rs.  1,00,000 or more in each calendar quarter Up to 20% discount on partner restaurants through Swiggy Dineout

AU Altura Credit Card

The AU Bank Altura Credit card is a great card if your income is in the mid-tier and you want cashback, railway lounge benefits, and complimentary lost card liability. This card also offers free insurance and an extended warranty on purchased electronics.

To be eligible, you need to be a resident Indian citizen between 21 and 60 years of age.

Suitable for: New credit card holders who will use the card for grocery and utility bill payments.

Joining Fee	Rs. 199 + Taxes
Annual Fee	Rs. 199 + Taxes. Will be waived off if you spend Rs. 10,000 within 90 days of card issue for the first year. From the second year onwards, the fee will be waived if you spend Rs.40,000 in retail in the previous year.
Other Benefits & Features	2% cashback on all retail purchases made at grocery stores, department stores, and utility bill payment centers 1% cashback on all other retail purchases  2 complimentary railway lounge visits each quarter 1% Fuel Surcharge Waiver for fuel transactions between Rs. 400 and Rs. 5,000 at all petrol stations in the country

Citi Bank Cashback Credit Card

The Citi Bank Cashback Credit Card offers cashback on cinema tickets and utility bill payments. You get rebates and returns on monthly spending as well. It allows you to redeem your offers in multiples of Rs. 500. 

Suitable for: Users who want an affordable card with basic cashback benefits.

Joining Fee	Rs. 500
Annual Fee	Rs. 500
Other Benefits & Features	5% cash back on cinema ticket purchases 5% rebate on phone bill payments 5% cash back on utility bill payments All other purchases will get 0.5% cashback 5% return on a monthly spend of Rs. 4000, up to Rs. 100 per category

YES Prosperity Cashback Credit Card

The YES Bank Prosperity Cashback Credit Card offers facilities like instant EMI, EMI on call, quick loans, etc. In addition to this you get cashbacks, refunds, and fuel surcharge waivers.

Suitable for: Users who will use their card for regular transactions like buying movie tickets and grocery.

Joining Fee	Rs. 999 + Taxes
Annual Fee	Rs. 999 + Taxes
Other Benefits & Features	Welcome cashback of Rs. 250 on spends of Rs. 2,500 in the first 30 days of card setup Earn up to 5% cashback on cinema ticket bookings and grocery purchasing Foreign Currency Markup of 3.40% only 0.75% refund on all purchases except fuel Fuel surcharge waiver of 1% for transactions between Rs. 400 and Rs. 5,000

Kotak League Platinum Credit Card

The Kotak League Platinum Credit Card offers benefits like fuel and railway surcharge waiver, priority assistance, etc. You also get lost or stolen fraud cover and multiple other benefits.

To be eligible, you should be a resident of India between the ages of 21 and 65, and your minimum annual income should be Rs.5 Lakh or more.

Suitable for: Users who want an affordable card with good cashbacks and waivers.

Joining Fee	Rs. 499
Annual Fee	Rs. 499. Will be waived off for the first and second year if you spend Rs.50,000 in the previous year.
Other Benefits & Features	8 reward points for every Rs. 150 spent Fuel surcharge exemptions up to Rs. 3,500 yearly Spend Rs. 1,25,000 every six months to receive four PVR tickets or 10,000 reward points Following the processing of the membership fee, you will receive 5000 reward points worth Rs. 500 Get a cinema voucher worth Rs. 500 as a joining gift

Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card allows you to earn a cashback of up to Rs. 18,000 every year. With an annual fee of Rs. 499, it is an affordable card with good benefits. 

You can enjoy an extended interest-free credit period for the first 90 days after the card issue if you pay the minimum amount due.

Suitable for: Online shoppers looking for an affordable card with decent cashback.

Joining Fee	Rs. 499. GST will be waived off as a special offer.
Annual Fee	Rs. 499 + GST. From the second year onwards, the annual fee will be waived if you spend Rs. 1.2 Lakh or more in the previous year.
Other Benefits & Features	2% cashback on online spending, up to a maximum of Rs.1,000 monthly. 1% cashback on other spends, up to a maximum of Rs.500 monthly. Convert eligible transactions to 3-month EMIs Interest rates for EMI at 0.99% per month and zero processing fees

Cashback SBI Card

The Cashback SBI Credit Card is a great card for Rs. 1,000 if you love getting cashback for online and offline shopping. The cashback amount is auto-credited to your SBI Card account within two working days of your next statement generation. 

Another benefit of this card is that you can transfer the outstanding balance of other credit cards to this one and pay it back in EMIs. 

Suitable for: People who shop online across brands or categories.

Joining Fee	Rs. 999
Annual Fee	Rs. 999. Will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	5% cashback on online spends across all merchants 1% cashback on offline spends 1% Fuel surcharge waiver across all petrol pumps in India

Flipkart Axis Bank Credit Card

This is another co-branded online shopping card that offers shopping, transport, and lifestyle benefits. The partner merchants on this card are among the most popular ones in their categories, which makes this card more attractive.  

Suitable for: Frequent Flipkart users, who want benefits with other merchants as well.

Joining Fee	Rs. 500
Annual Fee	Rs. 500. Will be waived off if you spend Rs. 3.5 Lakh in the previous year.
Other Benefits & Features	Rs. 600 worth of welcome benefits 5% cashback on Flipkart and Cleartrip spends 4% cashback on preferred merchant Unlimited 1% cashback on other eligible categories 4 complimentary domestic lounge visits to select airport lounges per calendar year, if you spend a minimum of Rs. 50,000 in the previous 3 months 1% fuel surcharge waiver on fuel purchases at all fuel stations across India 15% off up to Rs. 500 at 10,000+ partner restaurants across India

Swiggy HDFC Bank Credit Card

This is a co-branded credit card offering a complimentary 3-month Swiggy One membership as a welcome benefit. 

To be eligible for this card as a salaried person, you must be between 21 and 60 years of age and have a minimum monthly income of Rs. 15,000. If you are self-employed, your age must be between 21 and 65, whereas your ITR should be more than Rs. 6 Lakh per annum.

Suitable for: People who frequently use Swiggy for ordering food, groceries, or for dining in at restaurants.

Joining Fee	Rs. 500
Annual Fee	Rs. 500. Will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	10% cashback on Swiggy (Food ordering, Instamart, Dineout & Genie) 5% cashback on online spending across online MCCs 1% cashback on other categories  Complimentary Swiggy One membership for 3 months as a welcome benefit Golf benefits

Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is unique in a way. Most cards don’t offer cashback on payment of utility bills, while this is what is paid most often. This card gives you cashback on this category if paid through the Airtel Thanks app, making it a good option for Airtel customers.

Suitable for: Airtel users who pay their utility bills via the Airtel Thanks app.

Joining Fee	Rs. 500
Annual Fee	Rs. 500. Will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	Amazon e-voucher of Rs. 500 as a welcome benefit, if you make any transaction within 30 days of card activation  25% cashback on bill payments of Airtel Mobile, Broadband, WiFi, and DTH via the Airtel Thanks app 10% cashback on Zomato, Swiggy, and BigBasket 10% cashback on utility bills paid for electricity, gas, etc. via the Airtel Thanks app 1% cashback on other spends 4 complimentary domestic lounge visits to select airport lounges per calendar year, if you spend a minimum of Rs. 50,000 in the previous 3 months

How to Choose the Best Cashback Credit Card in India?

There's no single best cashback credit card in India, as the ideal card depends on your spending habits. Here's how to choose the right one for you -

Online Shopping

Cards like Amazon Pay ICICI Credit Card (5% on Amazon) offer better rates on specific platforms.

Specific Categories

If you spend a lot on groceries, dining, or travel, look for cards with higher cashback in those areas.

Everything

Cashback cards like Axis Bank Ace Credit Card (1.5% on all purchases) are good choices if you spend across categories.

Let’s now look at some other factors.

Annual Fees

Some cards with higher cashback have annual fees. Weigh the fee against the potential cashback earned.

Welcome Bonus

Many cards offer a bonus for signing up. Consider this when comparing cards.

Rewards Redemption

See how easily you can redeem your cashback. Some cards offer cashback as statement credit, while others have points that transfer to partner programs.

Conclusion

Finding the best cashback credit card in India is all about understanding your spending habits. Do your research, prioritize cashback categories that align with your purchases, and weigh annual fees against potential rewards. Remember, even the highest cashback credit card might not be the best choice if it comes with a hefty annual fee. Choose wisely and maximize your savings!