There are various credit cards with money back facility available in India and most of them offer extra cashback on spending on select categories. It is not easy to distinguish the Best Cashback Credit Card. Every cashback credit card is tailored to match different kinds of needs, and therefore you must pick the right credit card based on your spending habit and pattern.
Cashback is a form of benefit a credit card offers on transactions made with the card. You spend money on shopping or anything and get real value back instead of rewards. This cashback can be used later for redemption against cash, vouchers, tickets, or other services and privileges.
Below is the table of the best cash back credit cards in India:
|Card Name||Best Suitable For||Card Benefit||Annual Fee|
|Axis Bank ACE Credit Card||Bill payments & airport lounge access||5% cashback on bill payments, 4 complimentary domestic airport lounge visits per year, and 1% fuel surcharge waiver||Rs. 499|
|Flipkart Axis Bank Credit Card||Online shopping, dining & lounge access||Rs. 1,100 worth joining & activation benefits, 5% cashback on Flipkart, and 4 complimentary domestic airport lounge visits a year||Rs. 500|
|HSBC Cashback Credit Card||Unlimited cashback on online & offline spends and lounge access||1.5% cashback on all online spends, 1% cashback on all other spends & 3 complimentary domestic airport lounge visits a year||Waived off for 1st year & Rs. 750 from 2nd year onwards|
|HDFC Millennia Credit Card||Movie, lifestyle & online shopping||5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato||Rs. 1,000 + applicable taxes|
|HDFC Bank MoneyBack Credit Card||Online and offline purchases||2 Reward Points on every Rs. 150 spent & 2X Reward Points on every Rs. 150 spent online||Rs. 500 + applicable taxes|
|Standard Chartered Manhattan Platinum Credit Card||Shopping||5% cashback at supermarkets & 3x rewards on all other expenses||Rs. 999 + GST|
|Cashback SBI Card||Online & offline transactions and lounge access||5% cashback on every online spend, 1% cashback on all offline spends & utility bill payments, and 4 complimentary domestic airport lounge visits a year||Rs. 999 + taxes|
|YES Prosperity Cashback Plus Credit Card||Movies, grocery shopping & bill payments||5% cashback on spends on movies, grocery & utility bill payments||Rs. 1,499 + applicable taxes|
|Kotak Delight Platinum Credit Card||Movies, dining, fuel benefits||10% cashback on dining and movies every month||Rs. 299 + GST|
Additional Info: Check offers on AU Bank Credit Card & apply.
Following are top 10 cashback credit cards that can use as shopping credit card as well their key features are mention below:
This card is your everyday companion with accelerated cashback on all your spends.
This card offers unlimited accelerated credit card cash backs on every transaction across all your favourite categories, including travel, shopping, entertainment and lifestyle.
This globally accepted credit card allows contactless payments while giving you unlimited cashback on all transactions.
Additional Info: Check HSBC Visa Platinum Credit Card & get attractive welcome benefits.
It is one of the highest cash back credit cards that offer 5% cashback on popular brands and complimentary access at domestic airport lounges per calendar year.
It is one of the best HDFC credit card for cashback. This card is best suited for those who are looking for reward points/cash points on all their offline as well as online spending.
Welcome benefit of 500 Cash Points on payment of membership fee.
Get cashback that never expires with Citi Cash Back Credit Card along with other benefits like cashback on all spends, hassle-free redemption, up to 20% savings across participating restaurants, and so on.
This card offers cashback at supermarkets along with 3X rewards on all spends and a host of discounts and offers at nominal joining and renewal charges.
This cashback credit card by SBI offers 5% cashback on all online and 1% cashback on all offline spends. All that for absolutely free in the first year, as there is no joining fee involved.
With YES Prosperity Cashback Plus Credit Card, earn extra cashback on your regular transactions and get your cashback automatically as a statement credit.
This credit card makes your entertainment, eating out, and travelling experiences even more delightful with unmatched cashback, surcharge waivers and many other benefits.
Additional Info: Check Best Fuel Credit Card in India & apply.
We are partnered with 100+ Banks and Non-Banking Financial Companies (NBFCs) in India. Applying for the best cashback card online is easy and instant through our lending portal. You can check your eligibility for the preferred cashback credit card and apply for it in a jiffy.
Just follow the steps mentioned below:
Additional Info: Check Credit Card Billing Cycle also.
No. Typically, all credit card providers require you to have a credit score of at least 750 or above to approve your application for a cashback credit card.
Cashback credit cards provide cash or cash points on your transactions done with the card. You get the value for each penny spent with your card. These cards are very beneficial for everyday transactions if you pay off the balance in full each month and never exceed your limit. Otherwise, you will have to pay the interest that will outweigh your rewards.
The documents requirement for best cashback credit cards may vary from one credit card issuer to another. However, the following is the list of some common documents that every credit card provider looks for:
To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.