Best CashBack Credit Card in India 2025

“Using a cashback credit card gives you back a percentage of what you spend as cashback. This amount is added to your account and shows up on your monthly statement.

Here’s a list of the best cashback credit cards in India:

Name of Cashback Credit Card	Joining Fee	Annual Fee	Apply Online
Airtel Axis Bank Credit Card	Rs. 500	Rs. 500	Apply Now
Amazon Pay ICICI Bank Credit Card	Nil	Nil	Apply Now
AU Altura Credit Card	Rs. 199 + Taxes	Rs. 199 + Taxes	Apply Now
Axis ACE Credit Card	Rs. 499	Rs. 499	Apply Now
Cashback SBI Card	Rs. 999	Rs. 999	Apply Now
Citi Bank Cashback Credit Card	Rs. 500	Rs. 500	Apply Now
Flipkart Axis Bank Credit Card	Rs. 500	Rs. 500	Apply Now
HDFC Bank MoneyBack Credit Card	Rs. 500 + Taxes	Rs. 500 + Taxes	Apply Now
HDFC Millennia Credit Card	Rs. 1,000 + Taxes	Rs. 1,000 + Taxes	Apply Now
HSBC Live+ Credit Card (formerly HSBC Cashback Credit Card)	Rs. 999	Rs. 999	Apply Now
Kotak League Platinum Credit Card	Rs. 499	Rs. 499	Apply Now
Standard Chartered Smart Credit Card	Rs. 499 + GST	Rs. 499 + GST	Apply Now
Standard Chartered Super Value Titanium	Rs. 750	Rs. 750	Apply Now
Swiggy HDFC Bank Credit Card	Rs. 500	Rs. 500	Apply Now
YES Prosperity Cashback Credit Card	Rs. 999 + Taxes	Rs. 999 + Taxes	Apply Now

Axis ACE Credit Card

The Axis Bank ACE Credit Card gives cashback on all your spending, including popular platforms like Swiggy, Zomato, and Ola. There’s no limit on the cashback, and the annual fee is just Rs. 499.

Eligibility:
Indian residents aged 18 to 70.

Best for:
Beginners who often use Google Pay, Swiggy, Zomato, and Ola.

Joining Fee	Rs. 499; Nil for some channels
Annual Fee	Rs. 499, second year onwards. Will be waived off if you spend more than Rs.2 Lakh in that year.
Other Benefits & Features	4 complimentary domestic airport lounge visits per year1% fuel surcharge waiver on spends between Rs. 400 to Rs. 4,0005% reward on utility bill payments, DTH, and cellphone recharge with Google Pay4% cashback for Swiggy, Zomato, and Ola2% cashback for all other qualified purchasesUp to 20% discount at over 4,000 participating restaurants

HDFC Bank MoneyBack Credit Card

Eligibility:

• Minimum monthly income: Rs. 25,000
• Minimum annual ITR: Rs. 6 Lakh
  Note: The card will be canceled after 6 months of inactivity (with prior notice).

Best for:
New users who frequently shop online.

Joining Fee	Rs. 500 + Taxes
Annual Fee	Rs. 500 + Taxes. Waived off if you spend Rs. 50,000 and above in the first year.
Other Benefits & Features	2 Reward Points for every Rs. 150 spent (excluding fuel transactions, wallet or prepaid card loading, and voucher purchases)4 Reward Points for every Rs. 150 spent onlineEvery quarter, receive a Rs. 500 gift voucher for spending Rs. 50,000 Earn up to Rs. 2,000 in gift certificates each year1% fuel surcharge waiver on fuel transactions

Standard Chartered Super Value Titanium Credit Card

The Super Value Titanium Credit Card gives cashback and reward points on your spending. You can easily apply for the card online by completing your KYC through video.

Eligibility:

• Age: 21 to 65 years
• Minimum monthly income: Rs. 55,000

Best for:
People who pay utility and telephone bills with their credit card, along with making other purchases.

Joining Fee	Rs. 750
Annual Fee	Rs. 750
Other Benefits & Features	5% reward on fuel purchases at all stations, up to Rs. 200 per month5% cashback on your telephone bills, for any transaction amount exceeding Rs. 7505% reward when you pay your utility billsFor every Rs. 150 you spend on all other expenses with your credit card, you receive one reward point

Amazon Pay ICICI Bank Credit Card

This card is ideal for Amazon Prime members, offering rewards as Amazon Pay balance. Every reward point equals Re. 1, and you can also enjoy no-cost EMI for 3-6 months on Amazon purchases.

Best for:
Amazon Prime subscribers who frequently shop on Amazon.

Joining Fee	Nil
Annual Fee	Nil
Other Benefits & Features	5% cashback on Amazon purchases for Prime members3% cashback on Amazon purchases for non-Prime members2% cashback on purchases from Amazon Pay partner merchants1% cashback on other expenses1% discount on gasoline fees at all petrol pumps in India

HSBC Live+ Credit Card

Previously called the HSBC Cashback Credit Card, it provides up to 10% cashback on food-related expenses. Instead of rewards points, it offers straightforward cashback, making it easier to save without the hassle of redeeming points.

Best for:
People who frequently spend on groceries, dining, and food delivery.

Joining Fee	Rs. 999
Annual Fee	Rs. 999. Will be waived off if you spend more than Rs. 2 Lakh every year.
Other Benefits & Features	10% cashback on food spending and 1.5% unlimited cashback on all other spending10% cashback on all dining, food delivery, and grocery spending (limited to Rs. 1,000 per billing cycle)Cashback is also available through the Instant EMI (Equated Monthly Installment) function on your card at select retailersReceive cashback credited to your account within 45 days of your card’s statement date

HDFC Millennia Credit Card

The HDFC Millenia Credit Card offers features like zero lost card liability, an interest-free credit period of up to 50 days, and revolving credit at low interest rates. It’s a great cashback card with contactless payments and smart EMI options.

Eligibility:

• Salaried: Minimum monthly income of Rs. 35,000
• Self-employed: Minimum annual ITR of Rs. 6 Lakh
• Age: 21 to 40 years

Best for:
Individuals who spend heavily on online apps for food, travel, fitness, and shopping.

Joining Fee	Rs. 1,000 + Taxes
Annual Fee	Rs. 1,000 + Taxes. Will be waived off if you spend more than Rs. 1 Lakh in a year.
Other Benefits & Features	5% cashback at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato1% reward on all other spends (excluding fuel), including EMI and wallet transactionsReceive Rs. 1000 gift certificates for spending Rs.  1,00,000 or more in each calendar quarterUp to 20% discount on partner restaurants through Swiggy Dineout

AU Altura Credit Card

The AU Bank Altura Credit Card is perfect for those with a mid-tier income. It offers cashback, railway lounge access, complimentary lost card liability, free insurance, and extended warranties on electronics.

Eligibility:

• Age: 21 to 60 years
• Resident Indian citizens

Best for:
New credit card holders who plan to use the card for grocery and utility bill payments.

Joining Fee	Rs. 199 + Taxes
Annual Fee	Rs. 199 + Taxes. Will be waived off if you spend Rs. 10,000 within 90 days of card issue for the first year. From the second year onwards, the fee will be waived if you spend Rs.40,000 in retail in the previous year.
Other Benefits & Features	2% cashback on all retail purchases made at grocery stores, department stores, and utility bill payment centers1% cashback on all other retail purchases 2 complimentary railway lounge visits each quarter1% Fuel Surcharge Waiver for fuel transactions between Rs. 400 and Rs. 5,000 at all petrol stations in the country

Citi Bank Cashback Credit Card

Citi Bank Cashback Credit Card
The Citi Bank Cashback Credit Card offers cashback on cinema tickets, utility bill payments, and monthly spending. You can redeem your cashback in multiples of Rs. 500.

Best for:
Users looking for an affordable card with basic cashback benefits.

Joining Fee	Rs. 500
Annual Fee	Rs. 500
Other Benefits & Features	5% cash back on cinema ticket purchases5% rebate on phone bill payments5% cash back on utility bill paymentsAll other purchases will get 0.5% cashback5% return on a monthly spend of Rs. 4000, up to Rs. 100 per category

YES Prosperity Cashback Credit Card

The Citi Bank Cashback Credit Card provides cashback on cinema tickets, utility bill payments, and monthly spending. You can redeem cashback in multiples of Rs. 500.

Best for:
Users who want an affordable card with simple cashback benefits.

Joining Fee	Rs. 999 + Taxes
Annual Fee	Rs. 999 + Taxes
Other Benefits & Features	Welcome cashback of Rs. 250 on spends of Rs. 2,500 in the first 30 days of card setupEarn up to 5% cashback on cinema ticket bookings and grocery purchasingForeign Currency Markup of 3.40% only0.75% refund on all purchases except fuelFuel surcharge waiver of 1% for transactions between Rs. 400 and Rs. 5,000

Kotak League Platinum Credit Card

The Kotak League Platinum Credit Card offers benefits like fuel and railway surcharge waivers, priority assistance, lost/stolen fraud cover, and more.

Eligibility:

• Age: 21 to 65 years
• Minimum annual income: Rs. 5 Lakh
• Resident of India

Best for:

Users seeking an affordable card with good cashback and waivers.

Joining Fee	Rs. 499
Annual Fee	Rs. 499. Will be waived off for the first and second year if you spend Rs.50,000 in the previous year.
Other Benefits & Features	8 reward points for every Rs. 150 spentFuel surcharge exemptions up to Rs. 3,500 yearlySpend Rs. 1,25,000 every six months to receive four PVR tickets or 10,000 reward pointsFollowing the processing of the membership fee, you will receive 5000 reward points worth Rs. 500Get a cinema voucher worth Rs. 500 as a joining gift

Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card offers cashback of up to Rs. 18,000 annually. With an affordable annual fee of Rs. 499, it provides good benefits, including an extended interest-free credit period for the first 90 days (if the minimum amount due is paid).

Best for:
Online shoppers seeking an affordable card with decent cashback.

Joining Fee	Rs. 499. GST will be waived off as a special offer.
Annual Fee	Rs. 499 + GST. From the second year onwards, the annual fee will be waived if you spend Rs. 1.2 Lakh or more in the previous year.
Other Benefits & Features	2% cashback on online spending, up to a maximum of Rs.1,000 monthly.1% cashback on other spends, up to a maximum of Rs.500 monthly.Convert eligible transactions to 3-month EMIsInterest rates for EMI at 0.99% per month and zero processing fees

Cashback SBI Card

The Cashback SBI Credit Card, available for Rs. 1,000, is perfect for those who enjoy cashback on both online and offline shopping. The cashback is auto-credited to your SBI Card account within two working days of your next statement.

Another benefit is the option to transfer the outstanding balance from other credit cards and pay it in EMIs.

Best for:
People who shop online across various brands or categories.

Joining Fee	Rs. 999
Annual Fee	Rs. 999. Will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	5% cashback on online spends across all merchants1% cashback on offline spends1% Fuel surcharge waiver across all petrol pumps in India

Flipkart Axis Bank Credit Card

This co-branded online shopping card offers benefits on shopping, transport, and lifestyle purchases. It partners with some of the most popular merchants in various categories, making it an attractive option for savvy shoppers.

Best for:
Frequent Flipkart users who also want benefits with other merchants.

Joining Fee	Rs. 500
Annual Fee	Rs. 500. Will be waived off if you spend Rs. 3.5 Lakh in the previous year.
Other Benefits & Features	Rs. 600 worth of welcome benefits5% cashback on Flipkart and Cleartrip spends4% cashback on preferred merchantUnlimited 1% cashback on other eligible categories4 complimentary domestic lounge visits to select airport lounges per calendar year, if you spend a minimum of Rs. 50,000 in the previous 3 months1% fuel surcharge waiver on fuel purchases at all fuel stations across India15% off up to Rs. 500 at 10,000+ partner restaurants across India

Swiggy HDFC Bank Credit Card

This co-branded credit card offers a complimentary 3-month Swiggy One membership as a welcome benefit.

Eligibility:

• Salaried: Age 21 to 60 years, minimum monthly income of Rs. 15,000
• Self-employed: Age 21 to 65 years, minimum annual ITR of Rs. 6 Lakh

Best for:
People who frequently use Swiggy for ordering food, groceries, or dining at restaurants.

Joining Fee	Rs. 500
Annual Fee	Rs. 500. Will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	10% cashback on Swiggy (Food ordering, Instamart, Dineout & Genie)5% cashback on online spending across online MCCs1% cashback on other categories Complimentary Swiggy One membership for 3 months as a welcome benefitGolf benefits

Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card stands out by offering cashback on utility bill payments when made through the Airtel Thanks app, a benefit not commonly offered by most cards.

Best for:
Airtel users who pay their utility bills via the Airtel Thanks app.

Joining Fee	Rs. 500
Annual Fee	Rs. 500. Will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	Amazon e-voucher of Rs. 500 as a welcome benefit, if you make any transaction within 30 days of card activation 25% cashback on bill payments of Airtel Mobile, Broadband, WiFi, and DTH via the Airtel Thanks app10% cashback on Zomato, Swiggy, and BigBasket10% cashback on utility bills paid for electricity, gas, etc. via the Airtel Thanks app1% cashback on other spends4 complimentary domestic lounge visits to select airport lounges per calendar year, if you spend a minimum of Rs. 50,000 in the previous 3 months

How to Choose the Best Cashback Credit Card in India?

Choosing the right cashback credit card depends on your spending habits. Here’s a guide to help you find the best one for you:

1. Online Shopping
   If you shop online frequently, cards like the Amazon Pay ICICI Credit Card (5% cashback on Amazon) offer better rates for specific platforms.
2. Specific Categories
   For heavy spenders on groceries, dining, or travel, look for cards that offer higher cashback in these areas.
3. Everything
   If you spend across various categories, cards like the Axis Bank Ace Credit Card (1.5% cashback on all purchases) are good options.

Other Important Factors:

• Annual Fees
  Some cards with higher cashback come with an annual fee. Compare the fee with the cashback potential to see if it’s worth it.
• Welcome Bonus
  Many cards offer sign-up bonuses. Consider these bonuses when comparing different options.
• Rewards Redemption
  Check how easily you can redeem your cashback. Some cards give cashback as statement credit, while others offer points that can be transferred to partner programs.

Choosing the Best Cashback Credit Card in India for 2025

Finding the best cashback credit card in India is all about understanding your spending habits. Do your research, prioritize cashback categories that align with your purchases, and weigh annual fees against potential rewards.

Remember, even the highest cashback credit card might not be the best choice if it comes with a hefty annual fee. Choose wisely and maximize your savings!