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 6 Best Cashback Credit Card in India
    Card
    1st Year Fee
    Rewards
    Joining Perks
    500
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    500
    Response Time : Within 30 minutes
    Rs.500 Amazon Voucher
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    Fee Details
    0
    Response Time : Within 30 minutes
    Rs.500 Amazon Voucher
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    Fee Details
    1000
    Response Time : Within 30 minutes
    Rs.500 Amazon Voucher
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    Fee Details
    0
    Response Time : Within 30 minutes
    Rs.500 Amazon Voucher Ad 100% PAPERLESS APPROVAL
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    Think about
    Fee Details
    0
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    Fee Details
    Credit Card BYTES FROM OUR KITCHEN

    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

    Maha March Mela Offer by Bankbazaar

    • Avail a gift voucher worth upto Rs.2000 from Amazon on applying for a credit card
    • Voucher will be provided upon approval of the credit card application
    • Offer will be valid from March 1, 2019 to March 31, 2019

    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

    Credit Cards Reviews

    • Bank Bazaar Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Mobile application and website of bank bazaar is great easy to use . Overall it has been great experience with bank bazaar . The customer service of bank bazaar is great they are explaining about the product very well . If there is any query they will resolve quickly .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me a very low limit . It has got Cash back offers . Customer support is also good.I am holding this card for past few months and never had any issues with their services. Thee is no joining fee here with this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Average performance credit card "
      0.5 4.0/5 "Great!"
      In the last two year , I am satisfied with the HDFC credit card . Obtaining various offers and discounts in on-line shopping . Offers varies from time to time . Downloading the statement is easy in HDFC app . A normal interest rates and satisfied credit limit . HDFC never do any Hidden charges .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Annual fees is very higher and No offers "
      0.5 1.0/5 "Really Bad"
      SBI credit cards always offers a very high Interest rate . For the past 1 years , I am not getting any offers and discount in the on-line . I am somewhat okay with the credit limit . Annual fees is around 700 /- . Since , I am not getting any offers , i thought of canceling this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • Axis Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      AXIS BANK credit card i am using it since from last few years and i am facing with no issues with this card added on that the card has satisfactory credit limit. I am getting good offers with this card. The billing option is easy with no hassle process and it is comfortable to use.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card of HDFC BANK which is a user friendly card to access also the card is good and hassle free to access. The credit limit with this card is good and it is satisfactory with this credit card. The offers also good with this card which is sufficient.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 20, 2019
    • RBL Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am not facing any issues with the credit card where i am holding it with the RATNAKAR BANK they have offered with the satisfactory credit limit with this card added on that there is are sufficient offers with this credit card which is good with this card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 20, 2019
    • IndusInd Bank Credit Card
      "Interest rate is need to be low & not getting any offers"
      0.5 2.0/5 "Expected more"
      I find no problem with Indusind credit card process in on-line . i got the card within 7-10 days of time and docs were submitted in on-line & off-line for verification .It is a life time free card . I am Not getting the regular offers and Interest is rate is Quite high .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • RBL Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last six months and the services which they had been providing so far has been pretty good. The credit limit with the card has been good and there has been an annual charges of 499 with this card as well. I had been using the card for all purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • Bank Bazaar Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      It is a good experience with Bankbazaar.com, as they were on time to contact me and inform me the details. They also followed up in the process. The website is good and it is easy to use and understand. It is informative. In all there are no hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • American Express Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      The customer service is very good at Amex Bank. The credit limit is not satisfactory, it is pretty low. I got a limit of 50K only. There are annual charges for the credit card which gets waived off if I use the card to a certain limit. The best is the reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had taken this credit card almost ten years back and i had closed it since because of the higher interest rate with them. The services which they had provided has been fine and the credit limit with the card has also been good. The annual charges with this card has been reasonable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good shopping card "
      0.5 3.0/5 "Satisfactory"
      i am using Sbi credit card more than 8 months. The annual charges for this card is Rs. 499 if i spend some amount annual charges will get waived off.This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Need to increase credit limit"
      0.5 3.0/5 "Satisfactory"
      i am using Hdfc Bank credit card more than 1 year. This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay. I am not getting any special offer from Hdfc card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last couple of months and the services of them has been pretty good. But the credit limit with the card was only around 18,000 which is very less. They had made a charge of 5000 for the over limit spend which is not that good. I just used the card for some purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK the card has the satisfactory credit limit also the card is life time free card also it is user friendly with no issues with this credit card. They provide with the sufficient offers which is very good than others.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • American Express Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been holding the credit card with the AMERICAN EXPRESS BANKING CORPORATION the credit limit with this card is very good as it is user friendly also it is user friendly to access. There are good offers with this card which is sufficient with this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • Bank Bazaar Credit Card
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaar.com as i have a very good experience with this portal also i am using it through both the website as well as the mobile application it is easy to use also it is convenient to access also it is with hassle free to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • IndusInd Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been applied with the INDUSIND BANK credit card the documentation process was simple and also it is easy to access. I got the credit card with the 20days. The credit limit with this card is good and also it is free credit card. I have not tried with the offers with this bank credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • IndusInd Bank Credit Card
      "I am happy with the Credit card "
      0.5 5.0/5 "Blown Away!"
      Indusind bank given me a life time free credit card . I applied in on-line process , I find it easy procedure to follow . Verifications of documents in on-line and No Annual fees has been charged . Not getting enough offers for the newly purchased customers .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
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