Cashback Credit Cards
Earn direct cash rewards on your spending with simple, straightforward cashback programs. Ideal for practical spenders who prefer cash returns over points.
HDFC Millennia Credit Card
Annual Fee
₹1000
APR
43.2%
Joining Fee
₹1000
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback on popular online platforms and lifestyle benefits.
Reward Benefits
5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions).
₹1,000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
Pros
- Up to 5% cashback on major online platforms.
- Gift vouchers on quarterly spends.
- Dining discounts via Swiggy Dineout.
- Fuel surcharge waiver.
Cons
- Monthly capping on cashback earnings.
- Lower cashback rate on non-partnered spends.
- Exclusions on certain transactions like fuel, wallet loads, EMI, and government transactions.
HDFC MoneyBack Credit Card
Annual Fee
₹500
APR
43.2%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback benefits on everyday purchases, along with attractive rewards on shopping and dining.
Reward Benefits
10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
2 CashPoints per ₹150 spent on other transactions.
₹500 gift voucher on spending ₹50,000 per calendar quarter.
Pros
- 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
- 2 CashPoints per ₹150 spent on other transactions (excluding EMI, fuel, wallet loads/prepaid card loads & voucher purchases).
- ₹500 gift voucher on spends of ₹50,000 per calendar quarter (up to ₹2,000 in a year).
- Up to 20% savings on restaurant bills via Swiggy Dineout.
- Fuel surcharge waiver of 1% on fuel transactions (Min ₹400, Max ₹5,000; Max waiver ₹250 per statement cycle).
- Quarterly gift vouchers for meeting spend requirements.
Cons
- Foreign transaction fee of 3.5%.
- No fuel cashback for fuel purchases.
- Annual fee of ₹500 + taxes.
Diners Club Privilege Credit Card
Annual Fee
₹2500
APR
43.2%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent travelers, movie buffs, and foodies who want exclusive offers, rewards, and lounge access.
Reward Benefits
Earn 4 Reward Points per ₹150 spent.
20 Reward Points per ₹150 spent on Swiggy and Zomato.
Exclusive Privilege Dining Catalogue redemptions.
Pros
- 5X Reward Points on Swiggy and Zomato.
- 'Buy 1 Get 1 Free' on movie tickets via BookMyShow.
- Complimentary Swiggy One and Times Prime memberships.
- 2 Complimentary Airport Lounge Access per quarter worldwide.
- ₹1,500 vouchers on ₹1.5 lakh quarterly spends.
Cons
- Annual and Joining fee of ₹2500 + taxes.
- Foreign transaction fee of 2%.
Diners Club Black Credit Card
Annual Fee
₹10000
APR
43.2%
Joining Fee
₹10000
Cash Advance
2.5%
Why Choose This Card
Ideal for high-income earners looking for exclusive benefits in travel, lifestyle, and dining, with luxury concierge services and premium rewards.
Reward Benefits
5 Reward Points for every ₹150 retail spend.
Up to 10X points on SmartBuy purchases.
2X Reward Points on weekend dining.
Pros
- 5X Reward Points for every ₹150 spent.
- Unlimited lounge access worldwide.
- Complimentary golf games (6 per quarter).
- Up to 10X Reward Points on SmartBuy and 2X on weekend dining.
- Luxury concierge services available 24/7.
- Complimentary memberships (Club Marriott, Times Prime, Amazon Prime, etc.).
Cons
- High joining and annual fees of ₹10,000 + taxes.
- Foreign transaction fee of 2%.
Axis Bank AURA Credit Card
Annual Fee
₹749
APR
52.86%
Joining Fee
₹749
Cash Advance
2.5%
Why Choose This Card
Perfect for those looking for a lifestyle-focused card with a wellness boost, offering exclusive fitness and health benefits, along with rewarding lifestyle perks.
Reward Benefits
5X Rewards on insurance spending.
2 EDGE Points for every ₹200 spent (up to ₹10,000).
Pros
- 5X Rewards on insurance spending.
- 2 EDGE Points for every ₹200 spent (maximum transaction amount: ₹10,000).
- Free video doctor consultations (4 per month).
- Complimentary interactive fitness sessions (4 per month).
- Up to 20% off on dining through Axis Bank Dining Delights Program.
- Fuel surcharge waiver for transactions ₹400–₹4,000.
Cons
- Annual fee of ₹749 + GST.
- High APR of 52.86%.
- Reward redemption limited to gifts and offers.
AXIS Bank ACE Credit Card
Annual Fee
₹499
APR
3.6%
Joining Fee
₹499
Cash Advance
300%
Why Choose This Card
Perfect for those who want great cashback rewards on their regular spend, particularly on bill payments, food, and rides.
Reward Benefits
5% cashback on bill payments via Google Pay (capped at ₹500 per month).
4% cashback on Swiggy, Zomato, and Ola (capped at ₹500 per month).
1.5% cashback on every eligible purchase with no cap.
Pros
- 5% cashback on bill payments via Google Pay (capped at ₹500/month).
- 4% cashback on Swiggy, Zomato, and Ola (capped at ₹500/month).
- 1.5% cashback on every eligible purchase with no cap.
- 4 complimentary domestic lounge visits per year.
- Fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Cons
- Foreign transaction fee of 3.5% plus taxes.
- Joining fee and annual fee of ₹499 each (plus taxes).
- Cashback capped at ₹500 per month for specific categories like bill payments, Swiggy, Zomato, and Ola.
AXIS Bank NEO Credit Card
Annual Fee
₹0
APR
3.6%
Joining Fee
₹0
Cash Advance
300%
Why Choose This Card
A perfect card for those who love to shop, dine, and enjoy cashback benefits on utility payments and movie bookings.
Reward Benefits
Earn 1 EDGE REWARD point for every ₹200 spent.
Redeem EDGE REWARD points for over 500+ options.
Pros
- Lifetime free card.
- 40% off on Zomato food delivery (up to ₹120 per order).
- 5% cashback on utility bill payments and mobile/DTH recharges via Amazon Pay.
- 10% discount on movie tickets via BookMyShow, capped at ₹100 monthly.
- 15% discount on Dining Delight offerings (up to ₹500).
- INR 150 off Myntra purchases (minimum ₹999).
Cons
- Foreign transaction fee of 3.5% plus taxes.
- Cashback on utility payments capped at ₹150 per month.
- Cash advance fee of ₹300 or 2.5%, whichever is higher.
IndusInd Platinum Select Credit Card
Annual Fee
₹0
APR
46%
Joining Fee
₹999
Cash Advance
2.5%
Why Choose This Card
The IndusInd Platinum Select Credit Card is an ideal choice for those seeking a balance of rewards and benefits for travel, shopping, and entertainment. With lounge access, movie offers, and comprehensive insurance coverage, it provides great value for frequent travelers and shoppers.
Reward Benefits
Earn 1 reward point per ₹150 spent on the card.
Reward redemption options: IndusMoments, Airline Miles (InterMiles and Vistara), Cash Credit, and Pay with Rewards.
Pros
- Earn 1 reward point per ₹150 spent on the card.
- Redeem rewards for luxury items, airline miles, and cash credits.
- Welcome offers include movie tickets and brand discounts.
- 1% fuel surcharge waiver at petrol pumps.
- Extensive insurance benefits covering air accidents, lost baggage, and more.
- Priority Pass membership for access to over 600 lounges globally.
Cons
- High APR of 46%.
- Foreign transaction fee of 3.5%.
- Joining fee of ₹999.
IndusInd Solitaire Credit Card
Annual Fee
₹10000
APR
NaN%
Joining Fee
₹30000
Cash Advance
0%
Why Choose This Card
The IndusInd Solitaire Credit Card is designed for high spenders who enjoy exclusive travel, dining, and lifestyle benefits. With features like complimentary airport lounge access, Mastercard World Elite benefits, and luxurious rewards programs, it provides extensive value for those who seek the finest experiences.
Reward Benefits
Earn 1 reward point for every ₹100 spent.
Earn 0.70 reward points for every ₹100 spent on utility bills, rent payments, insurance premiums, and educational institutions.
Pros
- 5,000 Bonus Reward Points for spending ₹1 lakh in the first 30 days.
- 1-year EazyDiner Prime Membership with dining discounts and 2X EazyPoints.
- Complimentary lounge access at domestic and international lounges.
- Mastercard World Elite benefits like free hotel stays and global roaming offers.
- Exclusive dining discounts at partner ITC hotels.
- No forex charges for foreign transactions.
Cons
- High joining fee of ₹30,000.
- Annual fee of ₹10,000, though waived on annual spends of ₹10 lakh.
- No reward points on fuel spends.
CASHBACK SBI Card
Annual Fee
₹999
APR
42%
Joining Fee
₹999
Cash Advance
500%
Why Choose This Card
The Cashback SBI Card is a great option for frequent online shoppers, offering 5% cashback on online spends, and 1% cashback on offline spends. It is ideal for those who can meet the annual spend requirement to waive the annual fee and enjoy rewards without restrictions on merchants.
Reward Benefits
5% cashback on online spends (no merchant restriction).
1% cashback on offline spends.
Fuel surcharge waiver on transactions between ₹500 and ₹3,000.
Pros
- 5% cashback on online spends, no merchant restrictions.
- 1% cashback on offline spends.
- Annual fee reversed on spends of ₹2 lakh in a year.
- 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000.
- No fee for transactions less than ₹500.
- Worldwide acceptance at over 24 million outlets.
Cons
- No cashback on EMI transactions, utility, insurance, fuel, rent, wallet, school/education services, jewelry, or railways.
- Annual fee applies if spends do not meet ₹2 lakh.
- Cashback exclusions may limit rewards in certain categories.
Flipkart Axis Bank Credit Card
Annual Fee
₹500
APR
49.36%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent shoppers on Flipkart and partner platforms, offering substantial cashback and additional perks.
Reward Benefits
5% cashback on Flipkart and Myntra purchases.
4% cashback on preferred partners.
1.5% cashback on all other transactions.
Pros
- Unlimited 5% cashback on Flipkart and Myntra purchases.
- 4% cashback on preferred partners like Swiggy, Uber, PVR, and Curefit.
- 1.5% cashback on all other spends.
- Complimentary access to domestic airport lounges four times a year.
- Fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000.
Cons
- No cashback on fuel transactions, EMI conversions, wallet reloads, and certain other categories.
- Annual fee of ₹500 plus taxes.
Flipkart Axis Bank Super Elite Credit Card
Annual Fee
₹500
APR
55.5%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent Flipkart shoppers aiming to maximize rewards through SuperCoins and enjoy additional partner benefits.
Reward Benefits
Flipkart Plus members earn 12 SuperCoins per ₹100 spent on Flipkart; non-Plus members earn 6 SuperCoins per ₹100.
2 SuperCoins per ₹100 spent on all other transactions.
Pros
- Up to 12 SuperCoins per ₹100 spent on Flipkart for Plus members.
- 2 SuperCoins per ₹100 spent on all other transactions.
- Additional discounts on Myntra purchases and domestic flight bookings via Flipkart Flights.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Cons
- No complimentary airport lounge access.
- Annual fee of ₹500, waived only on annual spends exceeding ₹2,00,000.
- SuperCoins not awarded for certain transactions, including fuel, EMI conversions, wallet reloads, and jewelry purchases.
Flipkart Wholesale HDFC Bank Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Designed specifically for resellers and wholesalers, this card offers substantial cashback on Flipkart Wholesale purchases and essential business expenses.
Reward Benefits
5% cashback on Flipkart Wholesale online and offline spends.
5% cashback on telecom, utility, government, and tax payments.
1% cashback on all other spends.
Pros
- 5% cashback on Flipkart Wholesale online and offline spends, capped at ₹2,000 per month.
- 5% cashback on telecom, utility, government, and tax payments, capped at ₹250 per month.
- 1% cashback on all other spends, capped at ₹25,000 per month.
- Option to convert large purchases into EMIs.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹2,000, up to ₹250 per statement cycle.
Cons
- Cashback benefits are not applicable on EMI transactions.
- Annual fee of ₹499 plus taxes, waived only if annual spends exceed ₹3,00,000.
- Limited-time offers may not be available to all applicants.
Amazon Pay ICICI Bank Credit Card
Annual Fee
₹0
APR
42%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently shop on Amazon.in and wish to earn cashback on their purchases without any fees.
Reward Benefits
5% cashback on Amazon.in purchases for Prime members.
3% cashback on Amazon.in purchases for non-Prime members.
2% cashback on Amazon Pay partner merchant transactions.
1% cashback on all other spends.
Pros
- No joining or annual fees.
- 5% cashback on Amazon.in for Amazon Prime members.
- 3% cashback on Amazon.in for non-Prime members.
- 2% cashback on transactions with Amazon Pay partner merchants.
- 1% cashback on all other transactions.
- No limit or expiry date on reward earnings.
Cons
- Cashback is credited as Amazon Pay balance, which can only be used on Amazon.in or with partner merchants.
- Limited travel and lifestyle benefits compared to other credit cards.
Airtel Axis Bank Credit Card
Annual Fee
₹500
APR
41.75%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking cashback on Airtel services, utility bill payments, and popular online platforms like Swiggy, Zomato, and BigBasket.
Reward Benefits
25% cashback on Airtel services via Airtel Thanks app.
10% cashback on utility bill payments via Airtel Thanks app.
10% cashback on Swiggy, Zomato, and BigBasket.
1% cashback on all other spends.
Pros
- 25% cashback on Airtel mobile, broadband, Wi-Fi, and DTH bill payments via Airtel Thanks app.
- 10% cashback on utility bill payments (e.g., gas, electricity) through Airtel Thanks app.
- 10% cashback on spends at Swiggy, Zomato, and BigBasket.
- 1% cashback on all other spends.
- Four complimentary domestic lounge visits per calendar year (one per quarter) upon spending ₹50,000 in the previous quarter.
Cons
- Cashback on Airtel services capped at ₹250 per month.
- Cashback on utility bill payments capped at ₹250 per month.
- Cashback on Swiggy, Zomato, and BigBasket capped at a total of ₹500 per month.
- Annual fee applicable if annual spends do not exceed ₹2,00,000.
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
APR
42%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently use Swiggy services and seek substantial cashback on Swiggy and other online spends.
Reward Benefits
10% cashback on Swiggy transactions (up to ₹1,500 per month).
5% cashback on online spends across 1,000+ platforms (up to ₹1,500 per month).
1% cashback on all other spends (up to ₹500 per month).
Pros
- 10% cashback on Swiggy transactions, including food orders, Instamart, Dineout, and Genie.
- 5% cashback on online spends across 1,000+ platforms.
- 1% cashback on all other spends.
- Complimentary 3-month Swiggy One membership.
- Affordable annual fee with potential for waiver.
Cons
- Cashback caps: ₹1,500 per month for Swiggy and online spends; ₹500 per month for other spends.
- Annual fee applicable if annual spends do not exceed ₹2,00,000.
Key Features & Benefits
max Cashback
Up to 5% per category
monthly Cap
₹2000-5000
auto Credit
Monthly to statement
annual Fees
₹500-1000
Card Benefits
Direct Cash Rewards
Straightforward cash earnings on purchases.
- Up to 5% on groceries
- 2% on utilities
- 1% on everything else
Automated Savings
Hassle-free cashback crediting.
- Auto-credit to statement
- No minimum redemption
- Monthly cashback tracking
Special Categories
Enhanced cashback in select categories.
- Online shopping bonus
- Bill payment rewards
- Fuel surcharge waiver
Eligibility & Requirements
Basic Criteria
- age:21-60 years
- income:₹3 lakhs per annum
- employment:Salaried or Self-employed
Required Documents
- PAN Card
- Aadhaar Card
- Income proof
- Address proof
Frequently Asked Questions
How is cashback credited?
Cashback is typically credited to your card statement monthly, automatically reducing your payment amount.
Are there caps on cashback?
Most cards have monthly or category-wise cashback caps to limit maximum earnings.
Cashback rates and caps may vary based on spending categories and promotional periods.