Cashback credit cards are one of the most practical financial tools in India today. Whether you spend on online shopping, bill payments, food delivery, or travel, the right cashback credit card helps you earn real money back on every transaction. Unlike reward point cards, cashback cards are simple, transparent, and directly beneficial.
This guide covers the best cashback credit cards in India that offer high returns, low fees, and strong everyday benefits.
Why Choose Cashback Credit Cards
Cashback credit cards allow users to earn a percentage of their spending back as cash or statement credit. These cards are especially useful for:
Online shopping and e-commerce spending Utility bill payments and mobile recharges Dining, groceries, and fuel expenses Reducing the effective cost of annual fees
With rising digital payments, cashback cards help convert daily expenses into long-term savings.
Top Cashback Credit Cards in India
SBI Cashback Credit Card
Best for Online Shopping
Cashback: 5 percent on online transactions Offline Cashback: 1 percent Annual Fee: ₹999 (waivable)
This card offers one of the highest flat cashback rates on online purchases across platforms without merchant restrictions. It is ideal for users who frequently shop online.
Amazon Pay ICICI Credit Card
Best Lifetime Free Cashback Card
Cashback: 5 percent for Amazon Prime members 3 percent for non-Prime users Cashback credited directly to Amazon Pay balance Annual Fee: Nil
This lifetime free card is perfect for Amazon users who want hassle-free cashback without worrying about annual fees.
Axis Bank ACE Credit Card
Best for Bill Payments and Daily Spending
Cashback: Up to 5 percent on bill payments via Google Pay 4 percent on food delivery and cab services 2 percent on other spends Annual Fee: ₹499
This card is well-suited for users who spend heavily on utility bills, food apps, and digital payments.
HDFC Millennia Credit Card
Best for Multiple Online Brands
Cashback: 5 percent on popular platforms like Amazon, Flipkart, Myntra, and Swiggy Cashback on other spends: 1 percent Annual Fee: ₹1,000 (waivable)
HDFC Millennia is a balanced cashback card for users who shop across multiple online brands and want consistent rewards.
Flipkart Axis Bank Credit Card
Best for Flipkart and Myntra Users
Cashback: 5 percent on Flipkart 7.5 percent on Myntra 4 percent on preferred partners 1.5 percent on other transactions Annual Fee: ₹500
This card offers strong cashback benefits for Flipkart ecosystem users and fashion shoppers.
How to Maximize Cashback Benefits
Use different cards for different spending categories to earn the highest possible cashback Track monthly cashback caps to avoid missing rewards Meet annual spend thresholds to get annual fees waived Pay credit card bills on time to avoid interest charges
Smart card usage can easily convert everyday expenses into thousands of rupees in yearly savings.
Final Verdict
Cashback credit cards are ideal for users who want simple and guaranteed savings. Whether your expenses are focused on online shopping, bill payments, or daily lifestyle spending, choosing the right cashback card can significantly reduce your overall costs.
Before applying, always review the latest terms, cashback limits, and eligibility criteria to ensure the card aligns with your spending habits.
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