Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Best Cashback Credit Card in India

    Choosing a card that meets your spending behaviour thus gives you more benefit compared to a regular cashback card.When used properly cashback credit cards significantly reduce you cards annual maintenance. You can thus enjoy the benefits offered by your money back card free for life time.

    Listed below are the best cashback credit cards offered by top banks. Make sure to choose one based on your spending pattern. Cashback credit cards enable you to earn while you spend with your cards. Each cashback credit card offers money back on specific category of spends.

    Cashback Credit Card Variant Annual Fee Cashback applicable categories
    HDFC Bank MoneyBack Credit Card Rs.500 Rewards points can be redeemed for cash
    Citi Cash Back Credit Card Rs.500 Movie ticket bookings, telephone bills, utility bill payments, reward points
    HDFC Bharat Credit Card Rs.500 Fuel, groceries, railway tickets, mobile recharge bill payments, HDFC EasyEMI, PayZapp and SmartBUY transactions.
    HDFC Bharat CashBack Card Rs.500 IRCTC ticket bookings, bill payments, fuel purchases, HDFC EasyEMI, PayZapp and SmartBUY transactions
    YES Prosperity Cashback Credit Card Rs.1,000 Movies, grocery shopping, utility bill payments
    Standard Chartered Manhattan Platinum Credit Card Rs.999 Supermarket spends
    YES Prosperity Cashback Plus Credit Card Rs.1,500 Movies, grocery shopping, utility bill payments
    Kotak Delight Platinum Credit Card Rs.299 Dining, movies
    Axis My Zone Credit Card Rs.500 Movie ticket bookings
    More
    We found 5 Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 If an HDFC Current/Savings Account is present/opened within 3 months of card approval 500
    100% PAPERLESS APPROVAL
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    500
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    Fee Details
    Reduced to 0 On spends of 10,000 within 90 days 499
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    Reduced to 0 If annual spends > 30,000 1000
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    0
    100% PAPERLESS APPROVAL
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    Cashback Credit Cards - Features And Benefits

    Citi Cash Back Credit Card

    Key Highlights: Citi Cash Back Credit Card offers cashback on movie ticket bookings, telephone bill payments, and utility bill payments made through Citibank Online Bill Pay.

    Joining Fee: Rs.500

    Renewal Fee: Rs.500

    Features and benefits:

    • Contactless credit card that enables fast and secure transactions at POS terminals.
    • 5% cashback on movie ticket bookings.
    • 5% cashback on all telephone bill payments.
    • 5% cashback on all utility bill payments made through Citibank online Bill Pay facility.
    • 0.5% cashback on all other spends.
    • 15% off on dining bills at participating outlets.

    Rewards Redemption option: Reward points will be automatically adjusted against the credit card statement in multiples of Rs.500.

    HDFC Bharat CashBack Card

    Key Highlights: HDFC Bharat CashBack Card provides cashback on multiple categories including fuel spends, EMI purchases, HDFC SmartBUY and PayZaap transactions.

    Joining fee: Rs.500

    Annual fee: Rs.500 (Waived if the spends in previous year exceed or equal to Rs.50,000)

    Features and benefits:

    • 5% cashback on railway ticket bookings, fuel purchases, grocery spends, all bill payments and recharges.
    • 5% cashback also applicable on all EasyEMI, SmartBUY, and PayZapp transactions.
    • 1% fuel surcharge waiver applicable on all fuel transactions of minimum transaction value of Rs.400.
    • Zero liability on lost card.

    Rewards redemption option: NA

    HDFC Bank MoneyBack Credit Card

    Key Highlights: Reward points earned on the HDFC Bank MoneyBack Credit Card can be redeemed for cash against card outstanding.

    Joining fee: Rs.500

    Renewal fee: Rs.500 (from 2nd year onwards).

    Joining bonus: 500 reward points will be credited upon paying the joining fee.

    Features and benefits:

    • 4 reward points on every Rs.150 spent on online shopping.
    • Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
    • Free accidental death insurance up to Rs.50 lakh.
    • Zero liability on lost card.
    • 1% fuel surcharge waiver on fuel transactions of value Rs.400.

    Rewards redemption option: Reward points can be redeemed for cash against card outstanding (100 reward points = Rs.20). Also redeemable for air miles and gifts from rewards catalogue.

    YES Prosperity Cashback Credit Card

    Key Highlights: YES Prosperity Cashback Credit Card offers cashback on utility bill payments, movie ticket bookings, grocery spends, and all other spends except fuel.

    Joining fee: Rs.1,000

    Annual fee: Rs.1,000

    Features and benefits:

    • Welcomes gift includes Rs.250 cashback on achieving total spends of Rs.2,500 within 30 days of issuing the card.
    • 5% cashback on grocery spends, movie tickets, bill payments through YES PayNow.
    • Fuel surcharge waiver on transactions between Rs.400 and Rs.5,000.
    • Special interest rate on revolving credit starting at 2.99% per month for existing YES Bank customers.
    • Preferential foreign mark-up fee of 3.40%.

    Rewards redemption option: NA

    YES Prosperity Cashback Plus Credit Card

    Key Highlights: YES Prosperity Cashback Plus Credit Card offers cashback on utility bill payments, movie ticket bookings, grocery spends, and all other spends except fuel.

    Joining fee: Rs.1,500

    Annual fee: Rs.1,500

    Features and benefits:

    • Welcomes gift includes Rs.250 cashback on achieving total spends of Rs.2,500 within 30 days?of issuing the card.
    • 5% cashback on grocery spends, movie tickets, bill payments through YES PayNow.
    • Fuel surcharge waiver on transactions between Rs.400 and Rs.5,000.
    • Special interest rate on revolving credit starting at 2.99% per month for existing YES Bank customers.
    • Preferential foreign mark-up fee of 3.40%.

    Rewards redemption option: NA

    Standard Chartered Manhattan Platinum Credit Card

    Key Highlights: Catering to shoppers, the Standard Chartered Manhattan Platinum Credit Card is loaded with various cashback offers, attractive rewards and convenient payment options.

    Joining Fee: Rs.999

    Annual Fee: Rs.999

    Features and benefits:

    • Free BookMyShow voucher worth Rs.2,000 on first transaction done within first 90 days.
    • 5% cashback on supermarkets and departmental stores spends above Rs.1,000.
    • 3x more reward points on all retail spends.
    • Discounts and offers across various categories including travel, dining, shopping, and other through Standard Chartered Good Life programme.

    Rewards redemption option: Reward points can be redeemed for products, vouchers or services listed in the rewards catalogue.

    Kotak Delight Platinum Credit Card

    Key Highlights: Kotak Delight Platinum Credit Card offers cashback on dining and movies.

    Joining Fee: Rs.1,999

    Renewal Fee: Rs.299

    Features and benefits:

    • 10% cashback on dining and movie tickets on spends of Rs.10,000 for transactions excluding dining and entertainment.
    • Spend Rs.1.25 lakh every 6 months and get Rs.750 cashback or 4 free PVR tickets.
    • Fuel surcharge waiver on transactions in between Rs.400 and Rs.4000.
    • Credit shield cover of up to Rs.1.25 lakh through Delight Shield.

    Axis My Zone Credit Card

    Key Highlights: With Axis My Zone Credit Card you can avail discounts on all your daily expenses made with the card.

    Joining Fee: Rs.500 (Waived if the spends in first 45 days equals Rs.5,000).

    Annual Fee: Rs.500

    Features and benefits:

    • 25% cashback on online shopping and movie ticket bookings.
    • 1 free lounge access to select airports within India per quarter.
    • Fuel surcharge waiver on all fuel purchases.
    • Up to 15% off on dining at partner restaurants.
    • Up to 40 points on every Rs.200 spent.
    • 100 points on first online transaction.
    • 10X more reward points on weekend dining
    • 5X more reward points on weekend shopping.
    • Redeem reward points for various products and vouchers in eDGE Loyalty Rewards Catalogue.

    Eligibility To Apply For Cashback Credit Cards

    Cashback Credit Card Variant Age criteria Income criteria
    HDFC Bank Money Back Credit Card

    Salaried - 21 to 60 years

    Self-employed - 21 to 65 years

    -
    Citibank Cashback Credit Card Not available -
    HDFC Bharat Cashback Credit Card

    Salaried - 21 to 60 years

    Self-employed - 21 to 65 years

    Rs.12,000 per month or

    ITR of Rs.2 lakh and above per annum

    YES Prosperity Cashback Credit Card 21 to 60 years Rs.25,000 per month or ITR of Rs.5 lakh and above per annum
    Standard Chartered Manhattan Platinum Credit Card 21 to 65 years -
    YES Prosperity Cashback Plus Credit Card 21 to 60 years Rs.25,000 per month or ITR of Rs.5 lakh and above per annum
    Kotak Delight Platinum Credit Card 21 to 65 years -
    Axis My Zone Credit Card 18 to 70 years -

    How To Apply For Cashback Credit Cards Online?

    BankBazaar is an authorised partner of many private and nationalised banks and provides an online platform to apply for credit cards. You can check your eligibility for a cashback credit card, apply for it and upload the required documents to get instant approval.

    Follow the steps to apply for cashback credit cards through Bankbazaar.Com.
    • On the cashback credit cards page, find the list of cashback credit cards you can apply for on the top.
    • Choose a card and click on the 'Check Eligibility' button
    • Enter the required details to know the eligibility for the card.
    • If you're eligible, you can apply online for the same card by following the subsequent steps.

    On successful submission of all the documents and application, you will receive an 'Application ID', which can be used to track your application using the 'Track Application' feature.

    Other cashback credit cards

    In addition to the cashback credit cards listed above, there are some more cashback credit cards that may not provide direct cashback benefit but provide an option to redeem reward points against cash.

    Cashback credit card variant Annual fee Reward points to cash conversion rate
    SBI Card PRIME Rs.2,999 4 reward points = Rs.1
    SBI Card ELITE Rs.4,999 4 reward points = Rs.1
    HDFC Freedom Credit Card Rs.500 100 reward points = Rs.10
    HDFC Bank Titanium Edge Card Rs.1,000 100 reward points = Rs.10
    HDFC Bank Platinum Edge Card Rs.1,000 100 reward points = Rs.10
    IndusInd Bank Platinum Card NIL 1 reward point = Rs.0.85
    IndusInd Bank Legend Credit Card NIL 1 reward point = Rs.1
    IndusInd Bank Platinum Aura Edge Credit Card NIL 1 reward point = Rs.0.5
      

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