Best Cashback Credit Cards

Best Cashback Credit Cards in India for December 2024

YES Bank Paisabazaar PaisaSave Credit Card

4_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

3% Cashback Points on e-commerce spends, max. 5,000 points/month

Unlimited 1.5% Cashback Points on all other spends, including UPI

Cashback

Online Shopping

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Product Details

• Earned Cashback Points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
• 1.5% cashback on online spends made after reaching the monthly capping
• Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
• 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000

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Cashback SBI Card

4_/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

5% cashback on all online spends

1% cashback across all offline spends

Cashback

Online Shopping

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Product Details

• 5% cashback across all online spends with no merchant restriction
• 1% cashback across all offline spends
• Earn cashback of up to Rs. 5,000 per month
• Renewal fee reversed on spending at least Rs. 2 lakh in a year
• 1% fuel surcharge waiver of up to Rs. 100 per month

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HDFC Millennia Credit Card

3.5_/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more

1% cashback on spends at other categories

Cashback

Online Shopping

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Product Details

• 1 complimentary lounge access or a voucher of Rs. 1,000 on spending Rs. 1 Lakh in a quarter
• Up to 20% off on dining at partner restaurants via Swiggy Dineout
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000

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Amazon Pay ICICI Credit Card

3.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 5% cashback on Amazon purchases

1% cashback across all offline spends

Co-branded

Cashback

Online Shopping

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Product Details

• 5% cashback on Amazon spends for Prime members
• 3% cashback on Amazon spends for Non-prime members
• 2% cashback on spends at Amazon Pay partner merchants
• 1% cashback on other spends
• 1% waiver on fuel surcharge across all petrol pumps in India

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Flipkart Axis Bank Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

5% cashback on transactions at Flipkart and Cleartrip

4% cashback on partner merchants, like Swiggy, PVR, Uber, etc.

Co-branded

Cashback

Online Shopping

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Product Details

• 1% cashback across other spends
• 4 complimentary domestic airport lounge visits in a year on spending at least Rs. 50,000 in a year
• Activation benefits worth Rs. 600 from Flipkart and Swiggy
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000

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Tata Neu Plus HDFC Credit Card

3_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 7% value back on Tata Neu spends

4 domestic lounge access per year

Shopping

Co-branded

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Product Details

• 499 NeuCoins after the first spend within 30 days of card issuance
• 2% NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands
• 1% NeuCoins on UPI, non-Tata brand and merchant EMI spends
• Additional 5% NeuCoins on select spends at Tata Neu app/website

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Swiggy HDFC Bank Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% cashback on Swiggy food orders, Instamart, Dineout & Genie

5% cashback on online spends

Dining

Co-branded

Cashback

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Product Details

• 1% cashback on other spends
• Up to Rs. 3,500 cashback in a month
• 3-month Swiggy One Membership worth Rs. 1,199 on card activation
• Renewal fee waived off on Rs. 2 lakh annual spends

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Myntra Kotak Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% off up to Rs. 750 per transaction on Myntra

Unlimited 1.25% cashback on other spends

Co-branded

Cashback

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Product Details

• 7.5% off up to Rs. 750 per transaction on Myntra
• 5% cashback up to Rs. 1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company
• 1.25% cashback across all other transactions
• 2 complimentary PVR tickets of Rs. 250 each on Rs. 50,000 quarterly spends
• 1% fuel surcharge waiver of up to Rs. 3,500 in a year on fuel spends of Rs.500 to Rs. 3,000

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Airtel Axis Bank Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

25% cashback on payment for Airtel Mobile, DTH, etc. via Airtel Thanks App

10% cashback on utility bill payment via Airtel Thanks App

Co-branded

Cashback

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Product Details

• 10% cashback on utility bill payments via Airtel Thanks app
• 10% cashback on spends at Zomato, Swiggy and BigBasket
• Unlimited 1% cashback on other spends
• 4 complimentary domestic airport lounge visits every year

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HSBC Live+ Credit Card

3_/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

10% cashback (max. Rs. 1,000/month) on dining, grocery & food delivery

Unlimited 1.5% cashback on other spends

Dining

Cashback

Check Eligibility

Product Details

• 4 complimentary domestic airport lounge visits per year
• Rs. 1,000 cashback on making Rs. 20,000 worth of spends within the first 30 days of card issuance
• Up to 15% off at partner restaurants via Live+ Dining Programme
• Annual fee waived off on annual spends worth more than Rs. 2 lakh

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Compare (2/3)

Video: Best Cashback Credit Cards 2024

Best Cashback Credit Cards 2024 | Save Upto 7.5% | Best Credit Cards For Offline Spends & Shopping

Note: Details mentioned in the video have been sourced from the issuer’s website as of August 2024. For updated information, refer to this page.

Top Cashback Credit Cards in India 2024

Here are the top cashback credit cards that reward you with decent cashback for your expenses.

1. YES Bank Paisabazaar PaisaSave Credit Card

Best for: Online Shopping
Joining Fee: Nil
Annual Fee: Rs. 499 (Waived off on spending Rs. 1.2 lakh in a year)

Key Features and Benefits:

• 3% Cashback Points on all online spends
• 5% Cashback Points on other card transactions
• Annual fee reversal on spending Rs. 1.2 lakh in a year
• 1% fuel surcharge waiver across all petrol pumps in India

Offering 3% cashback on all online transactions and 1.5% cashback across all other eligible spends, YES Bank Paisabazaar PaisaSave Credit Card is one of the best cashback credit cards in India. The benefits are not restricted to a particular brand, allowing consumers to avail benefits across leading e-commerce platforms like Amazon, Myntra, Flipkart, Swiggy, etc., making it a worthy competitor to co-branded credit cards like Amazon ICICI, Swiggy HDFC and Flipkart Axis. Though the 3% accelerated cashback is capped at Rs. 5,000 per month, cardholders will continue earning 1.5% cashback even after reaching this threshold. This card is suitable for online shoppers who want a cashback credit card to save on all online spends without any merchant restrictions.

2. Cashback SBI Card

Best for: Online Shopping
Joining Fee: Rs. 999
Annual Fee: Rs. 999 (Waived off on spending Rs. 2 lakh in a year)

Key Features and Benefits:

• 5% cashback on online spends
• 1% cashback only on offline transactions
• Annual fee reversal on spending Rs. 2 Lakh in a year
• 1% fuel surcharge waiver across all petrol pumps in India

Cashback SBI Card is another option for online shoppers as it gives 5% flat cashback across all online purchases irrespective of the merchant or platform. The card is best suited for consumers who prefer shopping through e-commerce platforms but do not want to limit the benefits to one or more brands or categories. Cashback on online and offline spends (combined) is limited to Rs. 5,000 in a month, after which no cashback can be earned on the card. Despite the capping, the card remains a good option for high-spending online shoppers who can easily maximize its benefits.

Also Read: Best Credit Cards for Online Shopping

3. HDFC Millennia Credit Card

Best for: Benefits on Multiple Brands
Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (Waived off on spending Rs. 1 Lakh in a year)

Key Features and Benefits:

• 5% cashback on Amazon, Cult.fit, BookMyShow, Sony LIV, Flipkart, Myntra, Swiggy, Tata CLiQ, Zomato and Uber
• 1% cashback on offline spends and wallet reloads
• Cashback will be earned in the form of Cash Points
• 1,000 worth gift voucher or 1 domestic lounge access on spending Rs. 1 lakh and above in each calendar quarter

HDFC Millennia provides 5% cashback on multiple brands, covering the most popular platforms in different categories like BookMyShow (movies), Amazon and Flipkart (online shopping), Swiggy and Zomato (dining), among others. You will also get 1% cashback on EMIs and wallet loading with this card, which most credit cards exclude. However, there is minimum transaction limit to be eligible for the cashback, and maximum capping on the cashback that you can earn in a billing cycle. Hence, this card would be a great choice for high-spenders who prefer the associated brands.

4. Amazon Pay ICICI Credit Card

Best for: Amazon Loyalists
Joining Fee: Nil
Annual Fee: Nil

Key Features and Benefits:

• 5% cashback on Amazon for Prime Customers
• 3% cashback on Amazon for Non-Prime Customers
• 2% cashback on 100+ partner merchants
• 1% cashback on all other transactions
• Welcome benefits worth Rs. 2,000
• 1% waiver on fuel surcharge across all petrol pumps in India

Amazon Pay ICICI Credit Card is a co-branded card that offers the highest benefits on purchases made on Amazon. Amazon Prime members can avail 5% cashback on their Amazon spends whereas non-prime members can get 3% cashback. Since Amazon covers multiple categories like gadgets, appliances and furniture to fashion and groceries, the card can be an excellent choice for those who prefer Amazon for most of their online purchases, as they can extract maximum value out of this card. Base cashback rate of 1% is also decent for a lifetime free card.

5. Flipkart Axis Bank Credit Card

Best for: Benefits on Flipkart and Cleartrip
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived off on spending Rs. 3.5 Lakh in a year)

Key Features and Benefits:

• 5% cashback on Flipkart and Cleartrip
• 4% cashback on shopping with preferred merchants
• 1% unlimited cashback across all other categories
• 4 complimentary domestic lounge visit every year on spending min. Rs. 50,000 during the previous quarter
• 1% fuel surcharge waiver up to Rs. 400 per month
• Welcome benefits worth Rs. 600

Another popular co-branded online shopping card, Flipkart Axis gives 5% unlimited cashback on Flipkart and Cleartrip with 4% unlimited cashback on preferred merchants, like PVR, Uber, Swiggy and Cult.fit. Hence, the card covers 3 very popular categories – shopping, travel, and lifestyle. Similar cards like Amazon Pay and Paytm SBI Card offer great benefits on their own respective platforms and some partner merchants. However, the partner merchants on Flipkart Card are among the most popular ones in their categories, making the card more practical. Flipkart loyalists, who also seek benefits with other preferred merchants can consider getting this card.

Suggested: Best Co-branded Credit Cards in India

6. Tata Neu Infinity HDFC Bank Credit Card

Best for: Shopping across Tata Group (Tata 1MG, Croma, BigBasket, Titan, Tanishq, etc.)
Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499 (Waived off on spending Rs. 3 Lakh in a year)

Key Features and Benefits:

• 5% back on Tata Neu and Partner Tata Brands
• Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website (After registering for Tata NeuPass)
• 5% back on spends outside Tata Group, including Merchant EMI spends
• Up to 1.5% back on UPI spends across all categories (including Tata Brands)
• 8 complimentary domestic lounge visits every year
• 4 complimentary international lounge visits every year
• 1,499 NeuCoins as welcome benefit

Despite being a co-branded credit card, Tata Neu Infinity HDFC Credit Card covers multiple categories ranging from shopping and groceries to high-ticket spends like jewellery and appliances. Unlike most cards that generally exclude EMI transactions from their rewards program, this card offers 1.5% value-back across all purchases made outside the co-branded ecosystem, including EMI transactions. The card can be a good choice for consumers who often shop with the eligible Tata Group Brands and can easily maximize the benefits.

7. Swiggy HDFC Bank Credit Card

Best for: Benefits on Swiggy (Dining, Food Orders and Grocery)
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• 10% cashback on the Swiggy app for food ordering, Swiggy Instamart, Dineout and Genie
• 5% cashback on online spending across top brands
• 1% cashback on other category spends
• 3 months Swiggy One membership on card activation and renewal

Swiggy HDFC Bank Credit Card is suitable for those who frequently use Swiggy to order food, groceries and other daily-use items online or like to dine-in at restaurants. This co-branded credit card comes with an accelerated cashback rate of up to 10% on Swiggy and other online spends made on top brands. Unlike most co-branded cards where cashback is credited into the brand’s wallet, Swiggy HDFC Card gives direct value-back into the statement. Overall, the card is not just a good choice for co-branded benefits on Swiggy but also stands as a strong competitor to shopping cards like Flipkart Axis and Amazon Pay ICICI.

Also Read: Best Credit Cards for Grocery Purchases

8. Myntra Kotak Credit Card

Best for: Benefits on Myntra, Swiggy, PVR and more
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• Up to 7.5% discount on purchases at Myntra
• 5% cashback on spends at partner merchants, including Swiggy, Swiggy Instamart, PVR, Cleartrip and Urban Company
• Unlimited 1.25% cashback on spends at other categories
• Complimentary Myntra Insider Membership
• Myntra voucher worth Rs. 500 on completing the first transaction worth Rs. 500 or more within 30 days of card issuance
• 2 complimentary PVR tickets every quarter on spending Rs. 50,000 in a quarter
• 1 complimentary domestic lounge access per quarter

Myntra Kotak Credit Card offers direct discount on Myntra but it also offers 5% cashback with some popular merchants like Swiggy, PVR and Cleartrip. This covers everyday categories like grocery and dining as well as other spends like travel and movies. The 7.5% discount offered on Myntra is among the highest value-back offered by co-branded cards. Benefits like domestic lounge access and movie tickets enhance its overall value. Those who frequently shop on Myntra, Swiggy, PVR and other associated websites can make the most of this card.

9. Airtel Axis Bank Credit Card

Best for: Utility Bill Payments through Airtel
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• 25% cashback on bill payments of Airtel Mobile, Broadband, WiFi and DTH via Airtel Thanks app
• 10% cashback on Zomato, Swiggy, BigBasket and utility bills paid for electricity, gas, etc. via Airtel Thanks app
• 1% unlimited cashback on other spends
• Amazon e-voucher worth Rs. 500 as a welcome or activation benefit
• 4 complimentary domestic lounge visits per year on spending Rs. 50,000 during the previous 3 months

Since most cards exclude utility bill payments from their rewards program, Airtel Axis Credit Card is among the leading options for those looking to save on this category, especially Airtel customers. The card offers 25% cashback on bill payments for Airtel mobile, WiFi, DTH and broadband recharges. Moreover, 10% cashback on preferred merchants and utility bills paid via Airtel Thanks app is also provided, along with unlimited 1% cashback on other spends, making it a great option for Airtel customers who want to save on utilities, grocery and dining. However, if you are not an Airtel customer and are still looking to earn cashback on utility bills, then Axis ACE credit card might be a better option for you.

Suggested Read: Best Credit Cards for Utility Bill Payment

10. HSBC Live+ Credit Card

Best for: Dining, Grocery and Food Delivery
Joining Fee: Rs. 999
Annual Fee: Rs. 999 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• 1,000 cashback on spending Rs. 20,000 or more within the first 30 days of card issuance
• 10% cashback, up to Rs. 1,000 per month, on dining, grocery and food delivery spends
• Unlimited 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge visits in a year
• Up to 15% off on dining at partner restaurants via Live+ Dining Programme

HSBC Live+ is suitable for those who frequently spend on groceries, dining, and food delivery. With up to 10% cashback on food-related spends and 1.5% cashback on other spends, users can save substantially. Apart from cashback, the card also offers complimentary domestic lounge access and spend-based welcome bonus. For people who want to save on daily spends and prefer direct cashback instead of reward points, HSBC Live+ can be a suitable option. However, those who want a credit card with diverse benefits can consider other all-rounder credit cards.

Quick read: Credit Cards with Airport Lounge Access

Other Cashback Credit Cards to Consider

Apart from the cards mentioned above, here are some other cashback credit cards to consider, based on your requirements:

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