Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • loading

    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 card's 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 Best Cashback Credit Card in India
    Card
    1st Year Fee
    Rewards
    Joining Perks
    500
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    500
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    0
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Fee Details
    1000
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Fee Details
    0
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details

    Cashback Credit Cards - Features And Benefits

    Citi Cash Back Credit Card

    Key Highlights: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: 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 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: 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: 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 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: 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:

    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

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Credit Cards Reviews

    • IndusInd Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Recently applied for INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD, they have not charged me annual fee, the credit limit which they have given to me was good, there was no specific reason behind choosing this card, the card came on time, the process of getting credit card was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI gives good support to the customer, but the charges are bit higher for the late payment. The credit limit is very sufficient, I am using this card around 1.5 year. Whenever I use my card they are providing the points for fuel purpose its good.
      Was this review helpful? 0
      , virudhunagar
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Since registered member of Bank bazaar i was aware about this website .Need to aware of the current situation from bank end .whether customer is applying for any product communication should be transparent and should not miss guide anything beyond the process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the CITI BANK where they have given the good offers also the customer service good with this bank as they are responsive and the card service is good without any hassle process. There is a EMI option with this card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card from long time, they have not charged me annual fee, i am happy with the credit limit which they have given to me good credit limit, i am happy with their service, they use give good offers in shopping, movie tickets etc.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Not Satisfied with the Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Indusind Bank Credit card .The agent gave the required details and not faced any issue.This is a free card but after that paid the charge of Rs.900. This was not informed earlier .The Bank agent not gave the relevant details about the charges.I was not satisfied with the service provided by the bank .Other than that it was ok.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • YES Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The process of getting the YES BANK credit card is simple and easy also the card has the good credit limit along with that it is hassle free to use. It has the offers like rewards points, cash backs, online purchase. The card is good card to use.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the credit card with the ICICI BANK and the card limit is good i have been using the card since from last few years and the documentation process was simple with fast to get the credit card. There was satisfactory offers with this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I took Standard chartered bank credit card, They have not been charging me annual fee, the credit limit which they have given to me was good, they have given me limit on based on my expectation, their mobile application is user friendly , so far experience was good with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I use Kotak mahindra bank credit card from long time, They have been charging me annual fee but waiver option is available , i am happy with the credit limit which they have given to me, they use to give good offers in airport lounge, their service was prompt, my experience with this card was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the credit card with the SBI CARD the credit limit with this card is satisfactory also the card is user friendly to access. I am getting the offers but i am using it also the card has the EMI conversion option it is easy to convert the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      HSBC credit card service is good, they use to give give good offers, like based on my requirement i take offers whenever i get, they have not charged me annual fee, their customer care service is good , they response me well, they use to give good credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFC bank credit card for an while, They haver given me good credit limit based on my requirement, they did not charged me annual fee, their service is good, they did not charged me any hidden charges, i can easily transfer into emi option whenever i want, their overall service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold CITI bank credit card from longtime, they have charged me annual fee , but waiver option is not available , the credit limit which they have given to me was good, they use to do good transaction, their offers are good, they use to give good cash back and discounts everytime.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold Axis bank credit card from long time, They have not charged me annual fee, the credit limit which they have given to me was good, but i am not happy with their service, their service is not that up to the mark, their customer care should be improved, there is no issue with card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I applied for Indusind bank credit card recently. The process of getting card was simple and easy, the card came on time, the reason behind choosing this card is for their offers they use to give good offers in movie tickets every 1+1 movie tickets every month they give. I am happy with the credit limit which they have given to me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this HDFC Bank Credit Card for the past 4 years.The credit limit was good and i have directly applied with the bank.There was good cashback offers and reward points .There was no difficulties faced so far .I have received the credit card on time .The service is good to me so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am also using Kotak credit card and got reward points and I donâ??t know how to redeem my points and this information is not provided on the mobile app too.The customer service is okay and even the branch response was prompt. I think, they do charge annual fee of Rs.500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      They have given the good offers so i have taken the credit card with the INDUSIND BANK. The documentation process was good but there was delay to get the card which is twenty days. The credit limit is good and satisfactory and it is a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no issues with Bank Bazaar and its been a good experience. I have installed the mobile application to check the credit score then it is easy to apply the card according to the offers. I have been using it for long time. The executive explained the details very clearly about the product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.