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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 cards 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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    PA PL OTP
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
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    500
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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
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Almost 3 years, I have been using the HDFC credit card with the variant of HDFC Regalia card. Since I am having a savings account in HDFC bank based on that they have provided me this card. They have enhanced my limit on a regular basis based on my usage. Its a life time free credit card. I'm getting all the benefits like cashback, reward points which i can use in online and offline as well.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 13, 2020
    • RBL Bank
      RBL Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I don't have any problem with the RBL credit card. In this card i get a reward points and cashback offers. Based on my consumer durable loan from Bajaj Finserv they have provided me this card. Almost i hold this card for 1 year. They have provided me a credit limit of Rs. 88000 which I'm very much satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 13, 2020
    • HDFC Bank Credit Card
      "Best cashback card"
      0.5 5.0/5 "Blown Away!"
      Am having a money back credit card from HDFC bank. I'm getting cashback and reward points of my purchases like regardless of fashion online and groceries hence i can make the reward points into cash after the redemption. I have not faced any issue on this card. I got the credit limit of Rs. 5 lakhs in the duration of 2.5 years itself based on my usage.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Mar 11, 2020
    • Axis Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      10 months ago, i have taken a credit card from Axis bank. Its a life time free card and there is a fuel waiver upto Rs. 1000 and i get a cashback on traveling and shopping so that i bought this card. They gave me a limit of Rs. 45000. I never faced any issue on this card. I'm getting a bill through mail. I have converted my purchase into EMI and the interest rate is 18%.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 08, 2020
    • HSBC Bank Credit Card
      "Beneficial card for all the users"
      0.5 5.0/5 "Blown Away!"
      HSBC bank credit card gives me many offers like cashback and reward points hence i have selected this bank. No joining fee and annual fee charged from my end. I have got a credit limit of Rs. 1.40 lakhs. I have received the card very early and i have applied 2 add on card also. Till now i have not get the statement however i have paid the bill by using my purchase message.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 08, 2020
    • Citibank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      CITI card was only available based on my profile. I have got the cashback card offer. They have provided me a credit limit of Rs. 23K which is sufficient for me. I need to pay an annual fee of Rs. 1000 and it will get waived off if i use certain limit. I have got my credit card on time without any delay.
      Was this review helpful? 0
      , thane
      Reviewed on Mar 05, 2020
    • IndusInd Bank Credit Card
      "Good and reliable card"
      0.5 4.0/5 "Great!"
      Indusind bank credit card is a life time free card and they are providing 2 PVR movie ticket every month other than this i get a cashback offers. I am not getting any offers hence if they are sending the notification it would be fine. They have not sent me a pin number after that i have generated it through online.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 05, 2020
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      SBI is my salary account and the bank is close to me so that i have opted their credit card. Even I saw the features of the card where i do get some gift voucher. There are lots of benefits available on this card. They are giving cashback on petrol like i get fuel sur charges waiver. For the time being, given credit limit was fine for me. I can use this card across the globe hence its useful for the people who travel out of country.
      Was this review helpful? 1
      , calicut
      Reviewed on Mar 05, 2020
    • Axis Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I got Axis bank credit card because of the pre-approval since am a salary account holder with them. They have given me a credit limit of Rs. 61000. I am paying the annual fee of Rs. 700 and there is no waiver option is available. I am having a Flipkart credit card hence i get a offer like 5% cashback on Flipkart website. This is a fast approval card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 03, 2020
    • Axis Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Purchased the Flipkart credit card from Axis bank and its a better card to use. I get a benefits like 1.5% cashback on hotel booking, restaurants. 5% cashback on Flipkart website always. For past 3 months, i have been using this card. They will waive of the annual fee based on my spent and they will provide a voucher worth of Rs. 500 for Flipkart.
      Was this review helpful? 0
      , rajkot
      Reviewed on Mar 03, 2020
    • IndusInd Bank Credit Card
      "Online EMI facility should be there"
      0.5 5.0/5 "Blown Away!"
      For the secondary card purpose, i have chosen the Indusind bank credit card and they have provided me a good limit of Rs. 50000. They have a easy EMI option. I need to pay the annual fee of Rs. 500. I got the cashback and i can redeem the reward points. There is no online option to convert my purchase into EMI the only option that i can contact the customer care service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 03, 2020
    • RBL Bank Credit Card
      "Customer support need to improve"
      0.5 4.0/5 "Great!"
      RBL approached me with a credit card offer which i have selected it. I get reward points and cashback also. Customer care support is not upto the mark because the executive way of talking is not good. Its easy to make a bill payment via online sometimes through their app and its working fine.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 03, 2020
    • Citibank Credit Card
      "Awesome card"
      0.5 5.0/5 "Blown Away!"
      CITI bank credit card is acceptable in all the places thats the main reason for choosing the card. I have chosen the cashback credit card but i have not done a single transaction from this card. I'm satisfied with the credit limit provided by this card. Bill statement is clear to understand. I'm quite satisfied with the card and services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 03, 2020
    • SBI Cards Credit Card
      "Average Card"
      0.5 2.0/5 "Expected more"
      In SBI, i have applied for BPCL normal credit card. In this they are providing 5% cashback on purchase and they said 70 litre of petrol free for an year but when i read their papers when i fill the petrol of Rs. 100 i get 4 reward points. They said charges of Rs. 500 but then they were charging me for a card protection plan of Rs. 1700 which they have not informed me earlier. Now they are charging me annual fee of Rs. 2999 to check with the same, i was trying to the call centre people but my call is not getting connected. They should maintain transparency.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 02, 2020
    • Axis Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      Using my zone credit card from Axis bank and I'm getting 25% cashback in movie tickets and dining also am purchasing the groceries and etc., I use this card for almost 5 years. I'm getting so much benefits on this card. My salary account is in Axis bank so that they offered me. I got the limit of Rs. 1 lakh.
      Was this review helpful? 0
      , zirakpur
      Reviewed on Mar 02, 2020
    • ICICI Bank Credit Card
      "Best for shopping"
      0.5 5.0/5 "Blown Away!"
      From ICICI bank, i am having a Amazon pay credit card. In this card, i get 5% cashback when i do shopping only Amazon website and other than Amazon i get 1% cashback on other website. Here 1 reward points is equal to Rs. 1. I have been using this card for almost 2 years. Connecting with the call centre people is quite tough.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 01, 2020
    • RBL Bank Credit Card
      "Good Card for monthly rotation"
      0.5 5.0/5 "Blown Away!"
      Chosen my credit card from RBL bank because Bajaj finserv people only offered me this credit card based on my usage. I got the credit limit of Rs. 45000 and this is a free credit card hence there is no annual fee. We can purchase many product in the market and making electricity bill and i get cashback offers. If i do repayment within 30 days, i don't get any interest rate.
      Was this review helpful? 0
      , mangalore
      Reviewed on Mar 01, 2020
    • IndusInd Bank Credit Card
      "Service is good"
      0.5 4.0/5 "Great!"
      Executive told me that this is a free credit card for a life time and my credit score is also so good so thats why i have decided to take the card from Indusind bank and i have already given all my documents on time and i went to the branch to provide the hard copy. Branch response was good. I'm getting reward points and movie tickets, cashback and different facility available on this card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 28, 2020
    • SBI Cards Credit Card
      "User friendly card"
      0.5 4.0/5 "Great!"
      4.5 years ago, i have bought a credit card from SBI and its a simply click credit card. They are giving 20% off on Flipkart website and I'm getting discounts & cashback on various products. I told them to increase the credit limit but they are saying that I'm not eligible to increase the same. Its easy to make the bill payment.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 28, 2020
    • Citibank Credit Card
      "Interest rates are high in CITI bank"
      0.5 5.0/5 "Blown Away!"
      In CITI cashback card, i am earning cashbacks which i can converted into cash. I am using this card for almost 3 years and they have offered me a limit of Rs. 90000 and the annual fee is zero. I don't get any offers on this card. I have not spoke with the customer care till now.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 28, 2020
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