Best Cashback Credit Cards India

Cashback credit cards offer exciting rewards on everyday spending, including shopping, dining, fuel, and travel. These cards help you earn a percentage of your spending back as cashback, reducing your overall expenses.

Whether you prefer online shopping, groceries, or utility bill payments, the Best Cashback Credit Cards provide excellent value with high cashback rates, welcome bonuses, and exclusive deals, making them a smart choice for frequent spenders.

With a wide range of cashback credit cards to choose from, the most popular ones include Amazon Pay ICICI Credit Card, HDFC Bank MoneyBank Credit Card, Airtel Axis Bank Credit Card, and so on!

Table of Contents:

• ⇾ Best Cashback Credit Cards
• ⇾ Highest Cash Back Credit Card India
• ⇾ Best Cashback Credit Cards in India with No Annual Fee
• ⇾ Eligibility to Apply for Cashback Credit Cards
• ⇾ Tips to Choose the Best Cashback Credit Card in India
• ⇾ Apply for Cashback Credit Cards Online
• ⇾  Difference Between Rewards & Cashback Credit Cards
• ⇾ Frequently Asked Questions

Best Cashback Credit Cards in India 2025

With a wide range of cashback credit cards available to suit your needs, here is a quick overview of the top cashback credit cards of 2025:

Best Cashback Credit Cards

Now, let’s go through the key features of each cashback credit card:

1. HDFC Millennia Credit Card:

This type of cashback credit card is mainly designed for online and lifestyle expenses.

Features:

• Up to 5% on Amazon, Swiggy, Flipkart, Myntra, etc.
• Cashback redeemed as Cash Points.
• 1% on other expenses.
• 1% fuel surcharge waiver for transactions from ₹400 to ₹5000.
• 50 days of interest-free credit period.
• Dining Privileges with up to 20% savings at partner restaurants.

2. Swiggy HDFC Bank Credit Card:

Exclusively designed for purchases made via Swiggy App, such as food orders, dining, and grocery.

Features:

• Up to 10% cashback on food orders, Instamart, Dineout, and Genie.
• 5% cashback on online purchases with eligible merchants.
• 1% cashback on other transactions.
• Complimentary Swiggy one Membership for 3 months as a welcome benefit.

3. Myntra Kotak Credit Card:

This is a co-branded cashback credit card and offers exclusive benefits on Myntra purchases and partner merchants.

Features:

• 7.5% Discount on Myntra purchases.
• 1.25% cashback on other transactions.
• Complimentary Membership to Myntra Insider Program.
• Free Myntra e-Voucher worth ₹500.

4. Cashback SBI Credit Card:

Offered by the State Bank of India (SBI), this type of credit card provides cashback on a range of purchases without merchant restrictions.

Features:

• 5% cashback on online transactions.
• 1% fuel surcharge waiver.
• Reversal of Renewal Fee on expenses over ₹2 lakh per year.

5. Airtel Axis Bank Credit Card

This is another type of co-branded credit card, specially designed for Airtel users, that comes with rewards across various categories.

Features:

• Up to 25% cashback on Airtel Postpaid bills.
• 10% cashback on utility bill payments.
• 10% cashback on orders made via Swiggy, Zomato, and BigBasket.
• 1% cashback on other expenses.
• 4 complimentary airport lounge visits.

6. Amazon Pay ICICI Credit Card

This type of cashback credit is meant for Amazon customers and includes various rewards.

Features:

• No joining fee or annual fee.
• 5% cashback on Amazon for Prime members.
• 3% cashback for Amazon non-Prime members.
• 2% cashback on Amazon Pay partner merchants.

7. Tata Neu Inifinity HDFC Bank Credit Card

The Tata Neu Infinity Credit Card offered by HDFC Bank provides rewards for making purchases on Tata Neu and partner brands.

Features:

• 5% cashback as NeuCoins on Tata Neu and partner brands like Air India, Westside, and BigBasket.
• 8 domestic and 4 international complimentary lounge visits per year.
• 1.5% cashback on other transactions.
• Fuel surcharge waiver on fuel expenses.

8. HSBC Live+ Credit Card

Here are the key features of the HSBC Live+ Credit Card:

Features:

• 10% cashback on food delivery, dining, and grocery.
• 1.5% unlimited cashback on other expenses.
• Up to ₹1000 cashback after downloading and logging in to the HDFC India Mobile App.
• Amazon e-gift voucher worth ₹250.

9. Flipkart Axis Bank Credit Card

Online shoppers can experience various benefits from this co-branded cashback credit card.

Features:

• 5% unlimited cashback on purchases via Flipkart and Cleartrip.
• 1.5% cash back on other expenses.
• 4% unlimited cashback on Swiggy, Uber, PVR, TATA Sky and Curefit.
• 1% cashback on online and offline transactions.
• 15% Off on dining at partner restaurants.

10. Standard Chartered Smart Credit Card

Features:

• 2% cashback on online purchases up to ₹1000 per month.
• 1% cashback on other expenses.
• Special interest rate of 0.99% per month for EMI plans.

Best Cashback Credit Cards in India with No Annual Fee

Below are the best cashback credit cards in India with zero annual or renewal fees.

Eligibility to Apply for Cashback Credit Cards

The eligibility criteria for cashback credit cards vary based on the card. However, However, common requirements that must be met:

• The age limit for applicants is between 21 and 65 years old.
• A stable monthly or annual income.
• Both salaried and self-employed individuals must meet income and credit history requirements.
• A good credit score history.

Tips to Choose the Best Cashback Credit Card in India

Selecting the ideal Cashback Credit Card can help increase your savings significantly if you consider the necessary factors. Here are some of the key measures you can take to make the right choice:

• Analyze your expenses to find the card with higher cashback rates as per your regular spending categories.
• Compare cashback rates to ensure whether it is the same across various purchases or categories.
• Check annual fees to ensure that the cashback and benefits are greater than the fees.
• Understand the redemption process to successfully have your cashback credited.
• Ensure that the cashback credit card includes additional benefits such as fuel waivers and discounts.

Apply for Cashback Credit Cards Online

Once you have selected the type of Cashback Credit Card as per your needs, here are the general steps to apply:

1. Visit the respective bank’s official website.
2. Go to the ‘card section’.
3. Click on ‘Apply Now’ and enter basic details.
4. Fill out your personal and financial information as per the instructions.
5. Upload the required documents.
6. Click on ‘Submit.’

Difference Between Rewards & Cashback Credit Cards

The table below shows a detailed comparison between Cashback Credit Cards and Reward Points.