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 Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If HDFC account is present 500
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    500
    Response Time : Within 30 minutes
    What you'll love
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    Fee Details
    0
    Response Time : Within 30 minutes
    What you'll love
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    Fee Details
    Reduced to 0 If annual spends > 30,000 1000
    Response Time : Within 30 minutes
    What you'll love
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    Fee Details
    0
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    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

    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      The services were too good wit this card,this is complimentary card . I am using HDFC bank credit card . I use this card for multipurpose . The card and their services are very good. There is no hidden charges with this card . They need to increase the limit on the basis of usage and transactions.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The experience i had with Bank Bazaar has been pretty good and i am using the services of them for the last few months. I came to know about the services of them through a mail which i had got and i had used their website which has been quite convenient in using. Their customer support has also been responsive and has been helpful as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA BNAK card for the past one years and the services which they had provided so far was quite good. There was a good credit limit of 40000 with this card and there has been many benefits which came with this card like reward points and EMI convertion facilities and it has been an annual chargable card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been previously using ICICI bank for savings and salary account , i am not happy with their service they have not give me good service , like all time they use to charged me hidden charges without my knowledge, their mobile application is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar service through on line, this is my first time i have been using their service, their customer care service is good, they use to follow up with me time to time, their response was good, their website is good, i can get all financial products information over there.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have taken KOTAK MAHINDRA bank credit card for more than a month through an online. On time I received a card there was no issue at a verification process. The credit limit is low which was offered in this bank. They give an offer for one free ticket in book my show.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good for regular usage"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI credit card around three years, I started using it for some transactions. The credit limit is good around Rs. 60,000 and they are sending the statement on time. I am okay with the billing cycle and due date, I get payment update on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Its supportive"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is informative and I get good support from their end for any banking queries. When I interacted for the credit card purpose, I got a proper response. Its my first experience I am happy about it, the site is user friendly to browse the options.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I would say Kotak Mahindra card is good to use and comparatively its better than others. I got lower limit it can be improved but the credit card processing time was lesser to avail the card. They are providing reward points as well on my spend.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using this ICICI Bank credit card for the past 6 months.Customer service is not satisfied according to me .Other than this everything is good .The credit limit was good ,have good cash back offers and reward points .There was no difficulties faced so far on submitting the documents .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Medium"
      0.5 4.0/5 "Great!"
      I am using KOTAK MAHINDRA bank credit card for more than a month which was applied through an online. The verification process was smooth and good. I received a card at earlier. They have offered for a life time free credit card. The credit limit is sufficient to use.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having Kotak Mahindra Bank credit card which i have got through Bank directly .This credit card is very useful to me so far .The limit of this card was good to me i am using this card for the past 1 year .I am comfortable on using this card so far.The service is good to me so far.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was directly applied through Bank.This card i amusing for the past 2.5 years .The credit limit was good and sufficient to me .There are good cash back offers and reward points as well.I have not faced any difficulties so far on using this card .This card is good to use .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      This Bank bazaar website was know to me while checking credit score through online .This portal is really doing a vital role in all financial products so far.This is a user friendly one and easy to handle .This portal will give us the details regarding the financial product what we search .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have selected this Indusind Bank credit card since dont have annual fee so choosed and also free card ,The agent gave al information about the credit card process ,I have received the credit card on time and also submitted documents through the agent ,There are cashback offers and reward points but not chekced so far .The credit limt was sufficient .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • RBL Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using RBL credit card for long time, they have given me good credit limit they have given me was good and i have been apply for this card through on line and they have not been charging annual fee in this card, as it is life time free credit card like they have given me rewards points up to 2000 points they said if i spent up to that then my rewards points will get waived off.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding my SBI credit card for long time, they have charged me annual fee in this card , but waived off option is available in this card and i am happy with my credit limit they have given me sufficient limit and the best part in this card is that they provide good offers .
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • Axis Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Axis bank credit card, they have not charged any annual fee in this card, and the best part in this card was they provide good offers and discount in fuel and i am happy with my credit limit they have provided me and overall service is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I took Indusind bank credit card, their credit limit which they have given to me was good, they use to give good offers in shoppings , on e-portal business they use to give good offers, their mobile application is user friendly, it is life time free credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Amex credit card from long time, they have not charged me annual fee as it is life time free credit card, i am very much happy with their service which they have given to me, their mobile application is user friendly so far i did not face any issue, even they use to give good offers.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
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