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  • Best Cashback Credit Card in India

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  • 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

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    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
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    Reduced to 0 If annual spends > 30,000 1000
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    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
      "Satisfactory service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC BANK credit card for past 1.5 years. I get minimum of 5% cashback on all purchase and If I purchase is about Rs.10,000 we get 10% instant discount. The annual fee is Rs.500. If is spend more than Rs.50,000, annual fee is waived off.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2019
    • IndusInd Bank
      IndusInd Bank Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      People told me that Indusind bank credit card is very good and its a life time free credit card so just have applied for it. Also cashback is available on this credit card. But unfortunately, I don't have a payslip. I do have a credit card from Kotak mahindra with the limit of Rs. 15000 but they are asking limit around Rs. 75000 to do a card to card process hence it got rejected.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 11, 2019
    • HDFC Bank Credit Card
      "EXCELLENT SERVICE"
      0.5 4.0/5 "Great!"
      I hold a salary account with HDFC BANK, So I applied for credit card through mobile application. The next day I received the verification call and submitted the documents to bank executive, received the card with in one week. Credit limit is Rs.40,000 which is very sufficient. I opted money back card because it as easy EMI options and good cashback. The annual fee is Rs.520.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 10, 2019
    • Axis Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I am using Axis bank credit card for past 3 years. It is a life time free card. Credit limit is 1.5L which is sufficient. I mostly use this card for fuel, groceries and shopping. I get notification regarding offer on mobile app, If I purchase in offer period around Rs.2000, I get 5 to 10 % cashback. For fuel I get 3% to 5% cashback. Notifications are sent on time through message.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Dec 10, 2019
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am using SBI fbb card for past 1 year . Always I get 10% discount on big bazaar. I get good cashback and discount on online portal. Credit limit is 96K which is not sufficient. I get offer on EMI conversion with zero processing fee and interest is around 13%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 09, 2019
    • SBI Cards Credit Card
      "Satisfactory service"
      0.5 3.5/5 "Pretty good"
      I have a good experience with SBI credit card. I get an offer on fuel surcharges. I get good reward points and cashback. I am not happy with the credit limit provided, I have an option to enhance my limit after 6 months. Customer support response is very good and fine to connect.
      Was this review helpful? 0
      , kannur
      Reviewed on Dec 09, 2019
    • Citibank Credit Card
      "Good credit card with all the benefits"
      0.5 5.0/5 "Blown Away!"
      I'm having a rewards credit card from CITI bank hence i get a benefits like i get 1 rewards points if i spent Rs. 125 and also if i refer the card to anyone i get a cashback of Rs. 2000. They have provided me a credit limit if Rs. 82000. I got this credit card based on my salary account. There is no yearly charges for this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 07, 2019
    • SBI Cards Credit Card
      "Satisfactory service"
      0.5 4.0/5 "Great!"
      I am using SBI card for past 2 months. I have not received reward points or cashback yet. I am not happy with the limit it is only Rs.30,000. Bank executive informed there is a chance of limit enhancement according to usage. Documents process was easy.
      Was this review helpful? 0
      , tirupati
      Reviewed on Nov 27, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I got the offer from SBI and I'm receiving discounts and 10% cashback on online purchase hence i went through with the state bank of India credit card. They have given me a credit limit of Rs. 45000 and the annual fee is Rs. 499. They are sending offer messages on a regular basis.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 26, 2019
    • HDFC Bank Credit Card
      "Easy EMI card"
      0.5 4.0/5 "Great!"
      I am getting good rewards points on my HDFC bank and i need to use more. So far i have done only few transaction but they have provided me a limit of Rs. 45000. EMI conversion facility is available. Every time i get cashback offer if i do transaction in online. There is a annual fee of Rs. 700 and it won't get waived off.
      Was this review helpful? 1
      , ernakulam
      Reviewed on Nov 26, 2019
    • Axis Bank Credit Card
      "Customer service is very good"
      0.5 3.5/5 "Pretty good"
      Axis bank gives me 5% cashback on online purchase. Their customer care service is good. I am having a my buzz card. Mainly in Flipkart website, from 1st to 15th of every month, i get 10% cashback and after 15th to till month end i get 5% cashback offer. For EMI conversion, they are charging me processing fee +GST charges,
      Was this review helpful? 2
      , ernakulam
      Reviewed on Nov 26, 2019
    • SBI Cards Credit Card
      "Very easy EMI conversion"
      0.5 4.0/5 "Great!"
      I'm getting some additional discounts on online website like Flipkar and Amazon website. I can convert my purchase into EMI so that i have purchased the credit card from SBI. I get 10% cashback on online. They have a rewards points system and i have received 2000 rewards points recently which i can redeem through e-voucher.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Nov 26, 2019
    • IndusInd Bank Credit Card
      "Features are good on this card"
      0.5 5.0/5 "Blown Away!"
      There is no annual fee for the indusind bank card. Its because this bank offered me a life time free card which is fine for me but they have given me a less limit which can be increased anyway I'm fine with the current one. For the booking of flight tickets, i will be getting some offer and the e-commerce website also i get some cashback offers. Based on the rewards points i can pay my bill.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 26, 2019
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using CITI bank credit card for around 3 years. It is completely online which is best. I get good rewards points. Customer service and response is good. Flight tickets and restaurants I get instant discount or cashback. Rewards points can be redeem in form of cash. Rewards points are valid for 1 year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 26, 2019
    • Axis Bank Credit Card
      "Zero Customer support"
      0.5 1.0/5 "Really Bad"
      I have been using Flipkart Axis Bank Credit Card for two months now and experience so far has been really bad. I have total 4 credit cards and this one comes with one of the most painful customer support that one can ever get. The card promises some of the very good cashbacks on certain partners. It offers 5% unlimited cashback on final payment value on Flipkart and Myntra which is really nice. The problem comes with 4% cashback category of Makemytrip and GoIbibo. Here the cashback never comes and customer is left clueless as to whom to contact for support. Makemytrip customer support denies any such cashback and axis bank delegates the responsibility to MMT. So customer is left with no support whatsoever. Overall summary Pros :- 5% unlimited cashback on Flipkart and Myntra, Very less annual fees. Cons:- Worst customer support, No cashback for MMT
      Was this review helpful? 3
      , bangalore
      Reviewed on Nov 26, 2019
    • HDFC Bank Credit Card
      "The best"
      0.5 5.0/5 "Blown Away!"
      HDFC is providing a EMI conversion facility with a free of cost. Its a life time free credit card. If i purchase any consumer durable items i get lots of cashback on online and offline purchase. Its a regalia credit card hence they are providing free airport launch access 12 times in a year with domestic access and 6 in international airport.
      Was this review helpful? 1
      , kolkata
      Reviewed on Nov 26, 2019
    • RBL Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I get good cash back in my RBL credit card. Credit limit is 60K which is not sufficient. Limit enhancement is not available. I am receiving good reward points and easy to connect with customer support. I get Cashback in book my show and online portal. Annual charges is around Rs.600.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 25, 2019
    • Axis Bank Credit Card
      "Service is good"
      0.5 5.0/5 "Blown Away!"
      Axis bank card is too good and we love their services. I'm getting rewards points and cashbacks. They are providing me a credit limit of around of Rs. 1 lakh. Its a my zone card and i will not use the card much hence I'm not aware of much benefits. I use this card mainly for hotel booking and there is a cashback for dining. Even if delay in payment, they won't harass the customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2019
    • HDFC Bank Credit Card
      "Best reward card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank card more than 10 years. I am getting 10X reward points. This credit card covers accident insurance and medical policy. I am getting more benefits like cashback, reward points, free airport lounge access and more. This is a life time free card. HDFC Bank upgraded to regalia card automatically.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Nov 19, 2019
    • Standard Chartered Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      Standard chartered bank is providing me with good rewards points on all purchase, sometimes I get many vouchers for e.com websites in my credit card and cashback is also good. I am using this card for more than a year. Credit limit is Rs.40,000 which need to be enhance, bank conformed enhancement would be done after a year according to the usage. It is a life time free card.
      Was this review helpful? 0
      , greater noida
      Reviewed on Nov 17, 2019
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