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

      

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    Credit Cards Reviews

    • Citibank Credit Card
      "Good in all"
      0.5 4.0/5 "Great!"
      Citibank has been good in the credit card services. The customer support and response is good. There are charges for the card annually. The credit limit is good and the card is accepted every where. The process to receive the card was on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I've been using the STATE BANK OF INDIA Credit card for a while.They provide more offers , cash back and reward points are also there with the card. I am holding this card for more than 1 year . The limit is also good, and i am very much satisfied with customer service
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2019
    • Bank Bazaar Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am really happy about the services of Bank Bazaar. Customers Service people are well knowledgeable and informative. The service given and the response time were quick enough. Happy with the service. Overall i had good experience with bank bazaar .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2019
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I used to get the reward points based on the HDFC credit card transaction and also I am impressed with the customer service, I have relationship officer to take care of my queries. The card which I am holding its has the life time free card hence its good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have INDUSIND BANK Credit card . I am using this card for past 1 month. Transactions update and statement you get the next second and it always keeps you posted of where as about . They offered very low credit limit with this card . I have not found offers with this card .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2019
    • IDBI Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I hold my home loan with IDBI bank a year ago, the loan amount was sufficient based on my requirement,the rate of interest they have charged me was nominal it use to float based on market price, the getting loan i did not face any issue because my friend as done follow up with them to get loan soon.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2019
    • YES Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I've been using the YES BANK Credit card for a while. Whenever I perform a transactions, cash back points are collected and I can use it later.The limit is fine, I am getting cash back offers. It has been a good experience with the card and their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I've been using the STATE BANK OF INDIA credit card for a while.Their Service is good, they offered me a very good limit. . Customer service and their response is good . They offers smooth transaction experience with timely notifications. It has been a smooth experience with the card so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have HDFC BANK credit card . The best part of this card is after the transaction i use to get immediate statement in my mobile application . I mainly use it for shopping,grocery and many things . Overall I never had any bad experience with the card and its usage.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My application has been approved with AXIS BANK .There are good deals on the card as well. The customer services and response is good. The statements are also clear and sent to me on time.IT is life time free card and i have been using this card for few months .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • Bank Bazaar Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      Customer service was good and their response was prompt. I am using the mobile application and the website. Both the platforms are much more convenient and the whole credit card application process was easy and hassle free. Only there is delay in getting amazon voucher .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • IndusInd Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I bought the INDUSIND BANK credit card online. The limit is very low that it s the only issue with the card. The whole application process was easy and hassle free. I am not aware about the rate of interest. I have not use this card ,much so i cannot give proper feed back .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • HSBC Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I have HSBC BANK credit card . There is annual fee with this card but they said if i do the shopping of 200000 per annum the fees will be waive off . I am using this card for more than 2 years and still i am happy with this card . Offesr are on book my show 1+1 movie tickets are there .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I have HDFC BANK Credit card . The features are good here and this is not basic card it have good features . I am holding this card for more than 2 years . Offers are on shopping i use to get 20% discount and on so many cash back offers are there on e commerce website .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2019
    • Bank Bazaar Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taken BANK BAZAAR services for while. I applied for a credit card via Bank Bazaar. Mobile application of bank bazaar is easy to access and is user friendly. Only the thing is they need to provide amazon voucher little soon . Apart from this i am happy .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2019
    • IndusInd Bank Credit Card
      "Net banking not user friendly"
      0.5 3.0/5 "Satisfactory"
      I am using INDUSIND BANK credit card . I have not use this card much so i cannot say about the offers the customer support have informed me about it but till date i have not avail it . I am holding this card for past 1 month . I am not getting messages or mail about offers .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I applied for HDFC bank credit card for an while, they have not charged me annual fee, the credit limit which they have given to me was sufficient , they have given me up to 75,000 which was okay, they have given me good offers and discount up to 15-10% every time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have STATE BANK OF INDIA Credit card , i am holding this card for past 6 month .Documentation happen on time and i receive the card soon . Credit limit is fair enough i am satisfied with that . There is joining perk at the time of getting the card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I've been using the AXIS BANK credit card for a while. I make payments online which is convenient for me and never had any issues with their services. Offers were on amazon , flipkart and myntra i use to get good cash back . This card is for multipurpose .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • Bank Bazaar Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been availing the bank bazaar service from past 7-8 years, i have applied for many financial product through them, i came to know about their service through promotional message,but whenever i got to site to check my application, it use to create as an lead every time for me, The best part in them is that they use to show the best bank on bases on my eligibility i can compare and applied for it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2019
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