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    Best Cashback Credit Card in India

    cash back credit cards

    Shopping has become a much more convenient affair thanks to the inception of credit cards. All that is required is a swipe of the card, and you don’t have to worry about carrying enough money or running short either. What’s more? You can also shop online without even having to carry your credit card anywhere. Just browse through as many websites as you please, and enter the card number along with other necessary details and you can enjoy a convenient and rewarding experience.

    When purchases are made on your credit card, you can earn cash back or reward points that can be redeemed at a later date. With cash back credit cards, a particular percentage of the amount spent on the card will be returned to you as cash back. However, the rewards on offer may vary with each card, but we have gathered a list of the best credit cards that offer relatively high cash back offers.

    Top 10 Cashback Credit Cards in India

    Below are the list of top 10 Cashback Credit Card in India

    The Cashback Credit Card from Citibank is ideal for customers who pay their bills online and watch movies on a regular basis. However, individuals who wish to avail this card require excellent credit history as around 80% of the applications are rejected due to low credit scores.

    Features and Benefits of Citibank Cashback Credit Card
    • Receive 5% cash back on movie tickets.
    • Get 5% cash back on utility bill payments.
    • Get 5% cash back on telephone bill payments.
    • Get 0.5% cash back on all other spends.
    Fees and Charges
    • Annual Fee: Rs.500

    The Membership Rewards Credit Card from American Express offers some truly amazing rewards to customers who use it to pay for a variety of expenses. The card has no predefined credit limit unlike most other cards, making it a flexible option for the big spenders. The card delivers one Membership Rewards Point for every Rs.50 spent except for utilities, fuel, cash transactions and insurance. Although the annual fee is slightly higher in comparison with other credit cards, the benefits offered by the American Express Membership Rewards Credit Card will certainly make it worth your money.

    Features and Benefits of American Express Membership Rewards Credit Card
    • Get 4000 Bonus Membership Rewards Points by using the card three time within the first two months of availing card membership after you have paid the annual fee.
    • Receive 1000 Bonus Membership Rewards Points for using the American Express Membership Rewards Credit Card four times on transactions of at least Rs.1000 every month.
    • Receive 5000 Membership Rewards Points when renewing your card and paying the annual membership fee at the end of the first year. The points awarded for renewal will be credited to the customer within 90 days from the date on which the card was renewed.
    • Receive 3% cash back at popular petrol pumps across the country.
    • Make big purchases and pay for them through easy EMI options.
    • Redeem from the fantastic 24 carat and 18 carat gold collection.
    • Get exciting privileges when making travel bookings through MakeMyTrip.com.
    Fees and Charges
    • Joining Fee: Rs.1000 plus taxes
    • Annual Fee: Rs.4,500 plus taxes from the second year

    The Premier Miles Card from Citibank, as the name might suggest, is a fantastic solution for customers who travel on a frequent basis. Additional miles can be earned by booking your ticket online, and the card also has attractive offers for online shoppers. The Premier Miles Card from Citibank offers access to premium airport lounges not only across the country, but also across the globe. The card is ideal for individuals who generally spend more than Rs.2 lakhs per year on travel. However, customers who wish to avail this card are required to have excellent credit scores as a high number of applications are rejected by the company owing to low credit scores.

    Features and Benefits of Citibank Premier Miles Card
    • Receive 10,000 Miles by simply activating your card.
    • Get 10 Miles for every Rs.100 spent on every airline transaction.
    • Get 10 Miles for every Rs.100 spent on travel and stay by booking on www.premiermiles.co.in.
    • Redeem the Miles across more than 100 domestic as well as international airlines.
    Fees and Charges
    • Annual Fee: Rs.3000

    The Money Back Card from HDFC Bank offers amazing cash back rewards to customers who use the card for daily expenses. There is no annual fee associated with the card and the interest rates are relatively lower in comparison with other credit cards, making it a far more enticing option for regular shoppers.

    Features and Benefits of Citibank Premier Miles Card
    • Get two reward points on every Rs.150 spent on the card, and 2x reward points for online spends.
    • Reward points can be redeemed as cash back on your card where 100 reward points are equal to Rs.30.
    • Fuel surcharge can be waived, subject to Rs.250 per billing cycle.
    • Up to Rs.1800 can be saved per year on fuel transactions.
    • Spend Rs.10,000 during the first 90 days after receiving the card and the annual fee for the first year will be reversed, and the renewal fee can also be reversed by spending Rs.50,000 in a year before the renewal date.
    Fees and Charges
    • Annual Fee: NILL

      ICICI Instant Platinum Card

      The Instant Platinum Card offered by ICICI is one of the best options available to first time users. It does not matter if you have no credit score or credit history, the ICICI Instant Platinum Card allows you to build your credit history once you avail the card and start using it on a regular basis. The card can be availed against fixed deposit provided you have a savings account with the bank. The ICICI Instant Platinum Card is a great option for non-salaried individuals such as housewives and students.

      Features and Benefits of ICICI Instant Platinum Card

      • Two payback points every time you spend Rs.100 on the card.
      • Rs.100 off on up to two movie tickets a month if booking is made on www.bookmyshow.com.
      • 15% discount at more than 800 popular restaurants across 10 different cities in the country.
      • Spend at least Rs.4,000 at HPCL petrol pumps and avail 2.5% fuel surcharge waiver.
      • Access to global card replacement and emergency assistance services.

      Fees and Charges

      • Joining Fee: NIL
      • Annual Fee: NIL
      • Supplementary Credit Card Fee: NIL
      • Overdue interest on cash advances and extended credit: 2.49% per month (29.88% per annum)

      Standard Chartered Platinum Credit Card

      The Platinum Rewards Card from Standard Chartered is ideal for salaried individuals who want a multi-purpose credit card for all their payment needs. The reward points and benefits offered by this card are second to none. It is also one of the best cards you can find out there if you are a frequent online shopper.

      Features and Benefits of the Standard Chartered Platinum Credit Card

      • Receive extra 1000 reward points by making transactions within 60 days of receiving the card.
      • Get 20% cashback on Uber rides.
      • Get additional 500 points by registering for online banking.
      • Get one reward point for spending Rs.150 on the card.
      • Get five reward points for spending Rs.150 on fuel.
      • Get five reward points for spending Rs.150 on dining.

      Fees and Charges

      • Joining Fee: NIL
      • Annual Fee: NIL
      • Supplementary Credit Card Fee: NIL
      • Overdue interest on cash advances and extended credit: Rs.100 if the outstanding balance is under or equal to Rs.500; Rs.350 in case the outstanding balance is between Rs.501 and Rs.2,000; Rs.500 in case the outstanding balance is between Rs.2,001 and Rs.4,000; Rs.700 in case the outstanding balance is between Rs.4,001 and Rs.20,000; Rs.800 in case the outstanding balance is over Rs.20,000.

      SBI Simply Click Credit Card

      The Simply Click Credit Card by SBI is ideal for frequent shoppers who do not want to pay annual fees. Although a small annual fee is applicable on this card, it will be waived off in case you spend Rs.1 lakh per year on the card. The card also offers attractive deals from popular online stores such as Cleartrip, MakeMyTrip, Flipkart and Amazon among others.

      Features and Benefits of the SBI Simply Click Credit Card

      • Get 10x rewards when shopping online from Amazon, Cleartrip, Fabfurnish, BookMyShow, FoodPanda, OLA, Lenskart and Zoomcar.
      • Get 5x rewards while shopping from all other online stores.
      • Get a welcome gift voucher worth Rs.500 from Amazon.
      • Get a Cleartrip voucher worth Rs.2,000 on yearly online spends of Rs.1 lakh.
      • Get 2.5% fuel surcharge waiver by spending Rs.500 or more.

      Fees and Charges

      • Joining Fee: Rs.499
      • Annual Fee: Rs.499; reversed if annual spends for the previous year exceed Rs.1 lakh.
      • Supplementary Credit Card Fee: NIL
      • Overdue interest on cash advances and extended credit: An interest free credit period of 20 to 50 days is applicable only on retail purchases, and provided the outstanding balance from the previous month, if any, are paid. The finance charges will be up to 3.35% per month, or 40.2% per annum.

      HDFC Solitaire Credit Card

      HDFC Bank has a number of credit cards that offer some truly attractive offers and rewards, and one such option is the HDFC Solitaire Credit Card which is designed exclusively for frequent shoppers. The card offers fantastic deals for fuel expenses, dining, departmental stores, etc. The card charges a nominal joining fee and considering the benefits on offer, it makes for a great solution for people who make payments using their credit cards on a frequent basis.

      Features and Benefits of the HDFC Solitaire Credit Card

      • Get a welcome bonus in the first year – a wellness package from Thyrocare.
      • Get a renewal benefit from the second year – 1000 reward points for each renewal.
      • Receive three reward points for every Rs.150 spent on the card.
      • Get 50% extra reward points on dining and grocery spends.
      • Receive a shopping voucher from Shoppers Stop worth Rs.1000 on cumulative spends of Rs.75,000 per six months.
      • Redeem the reward points won across several different domestic airlines.
      • Get fuel surcharge waiver at select petrol pumps across the country.

      Fees and Charges

      • Joining Fee: Rs.999
      • Annual Fee: NIL
      • Interest: 3.4% per month (40.8% per annum)

      SBI Signature Credit Card

      The Signature Credit Card from State Bank of India is designed exclusively for those who shop on a frequent basis and love to earn points for the same. Not only is SBI one of the best banks in India, but the card also offers several offers that will make it worth it. One of the biggest of benefits of availing an SBI Signature Credit Card is that customers can withdraw money from more than 10,000 SBI ATMs and 18,000 Visa ATMs across the country.

      Features and Benefits of the SBI Signature Credit Card

      • Get an e-gift voucher worth Rs.5000 each from Yatra.com, Bata, Hush Puppies, Shoppers Stop, Westside, and Marks and Spencer as an exclusive welcome gift.
      • Receive two reward points for every Rs.100 spent on your Signature Credit Card.
      • Receive 5x reward points on international spends, grocery, dining and departmental stores.
      • Get 2.5% fuel surcharge across all petrol pumps in India.
      • Get 10,000 bonus reward points for annual spends of up to Rs.4 lakhs, and 20,000 reward points for annual spends of Rs.5 lakhs and above.
      • Avail a discount of Rs.500 on booking two movie tickets through Bookmyshow.com per month.
      • Get discounts of up to 75% at over 55,000 villas and hotels across the world.
      • 24x7 concierge services across the globe.

      Fees and Charges

      • Joining Fee: Rs.4,999
      • Annual Fee: Rs.4,999
      • Interest: Up to 3.35% per month (40.2% per annum)

      American Express Payback Credit Card

      The Payback Credit Card from American Express comes with several different reward points. It is also tied up with a number of departmental stores that offer easy-to-avail discounts. Not only does the card offer attractive dining, travel, online shopping and fuel offers, but also welcome vouchers and bonuses that can be redeemed at a later date.

      Features and Benefits of American Express Payback Credit Card

      • Get three payback points for every Rs.100 spent except for cash transactions, insurance, utilities and fuel.
      • Get multiple points from over 40 payback partners.
      • Receive welcome vouchers of Rs.3000 upon availing the card.
      • Get 900 bonus payback points for spending Rs.15,000 within 60 days of receiving the card.
      • Get attractive discounts on online shopping, travel and dining.
      • Receive discounts of up to 30% and extra 5% cashback at more than 1200 restaurants each time you dine via Dineout.

      Fees and Charges

      • Joining Fee: Rs.750 plus taxes as applicable
      • Annual Fee: Rs.1,500 plus taxes as applicable (Annual fee is waived in case annual spend exceeds Rs.1.5 lakhs)
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