Best Cashback Credit Cards in India 2025

10× CashPoints on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket 

Earn maximum rewards (3.3% valueback) on top online shopping, food delivery, and grocery expenses.  

Gift voucher worth Rs.500 per quarter on Rs.50,000 spend 

Reward for consistent high spending; can earn up to Rs.2,000 per year if you maintain the quarterly spending threshold. 

CashPoints redeemable as cashback or for flights/hotels 

Provides flexibility: convert points to statement credit (1 CashPoint ≈ Rs.0.25) or redeem for travel/lifestyle benefits. Points valid for 2 years. 

Zero liability on lost card 

Protects you from fraudulent transactions if the card is reported lost. 

1% fuel surcharge waiver 

Saves on fuel expenses automatically; minimum Rs.400, maximum Rs.5,000 per transaction; max waiver Rs.250 per statement cycle. 

Joining bonus: 500 CashPoints 

Instant reward on payment of membership fee; adds value immediately after joining. 

Renewal fee waiver 

Waives Rs.500 annual renewal fee if you spend Rs.50,000 or more in an annual year, reducing the overall cost of holding the card. 

Smart EMI option 

Convert high-value purchases into easy EMIs post-transaction, improving cash flow management. 

Interest-free credit period up to 50 days 

Provides short-term credit without interest for everyday expenses and online purchases. 

Revolving credit facility 

Allows carrying forward balance at nominal interest if full payment isn’t made, giving financial flexibility. 

Contactless payments 

Quick, tap-and-pay transactions; no PIN needed for payments up to Rs.5,000, enhancing convenience. 

Exclusive dining privileges via Good Food Trail 

Access curated dining experiences and special offers, adding lifestyle value. 

2 CashPoints per Rs.150 spent on other spends 

Rewards you for all other transactions, not limited to categories, ensuring steady CashPoint accumulation. 

10% Swiggy Dineout discount with HDFCCARDS coupon 

Extra lifestyle saving for dining out; reduces your overall dining expenses. 

5% Cashback on online spends (no merchant restriction) 

Excellent rate for online shopping, high reward potential on everyday online spending 

1% Cashback on offline spends 

Ensures you earn rewards even when you shop in store 

Automatic crediting of cashback within two working days after statement generation 

Makes reward realisation quick and hassle free 

1% Fuel surcharge waiver across all petrol pumps in India 

Direct savings on fuel purchases, helps reduce one standard cost for most cardholders 

Contactless Tap & Go payments 

Convenient and secure for small ticket and everyday transactions 

Worldwide acceptance (VISA) at 24 million and more than 3.25 lakh outlets in India 

Great usability for domestic and international purchases 

Add on cards available for family (parents, spouse, children above 18) 

Extends the benefit of the card across your household, increasing reward earning potential 

Balance transfer to EMI / Utility bill payment facility 

Provides flexibility in managing finances and converting large expenses into manageable EMIs 

No joining fee and no annual fee 

You avoid recurring membership costs, making the card low-cost to hold 

5% cashback on Amazon purchases for Prime members 

Maximises rewards for frequent Amazon Prime shoppers 

3% cashback on Amazon purchases for non-Prime members 

Provides good returns on Amazon shopping even without Prime membership 

2% cashback on Amazon Pay partner merchants 

Earn rewards on spending at over 100 partner merchants, extending value beyond Amazon 

1% cashback on all other eligible purchases 

Earns some return on all other transactions, ensuring the card is useful for general spending 

1% fuel surcharge waiver on fuel transactions 

Reduces cost on fuel, a common recurring expense 

Rewards automatically credited as Amazon Pay balance every billing cycle 

Immediate usability for Amazon and partner merchant purchases without manual redemption 

EMI and balance conversion options 

Converts large purchases into manageable monthly installments, providing financial flexibility 

Worldwide acceptance 

Can be used for online or international purchases where Amazon Pay or ICICI network is accepted 

Security and contactless payment features 

Contactless payments for convenience and security on small-ticket transactions 

10% accelerated cashback (up to Rs.1,000 per month) on dining, food‑delivery and grocery spends 

High reward rate in everyday high‑value categories, boosting returns when you spend in these key areas 

1.5% unlimited cashback on most other spends 

You continue earning a base cashback rate on most other transactions, so the card has value beyond the high‑bonus categories 

Joining fee Rs.999 and annual fee Rs.999 (annual fee waived if annual spend is more than Rs.200,000) 

Clear cost structure with a waiver path, making the card affordable if you use it actively 

Welcome benefit: SpendRs.20,000 within first30 daysand getRs.1,000 cashback;You will receive a Rs.250 Amazon e‑Gift voucher on online application and video KYC 

Early rewards for new cardholders give immediate value and incentive to use the card soon 

4 complimentary domestic airport lounge visits per year (one per quarter) 

Adds lifestyle/travel benefit beyond basic cashback, lending extra value for domestic travellers 

Exclusive dining programme and curated offers (e.g., Live+ Dining Programme) 

Additional perks for dining out enhance the lifestyle component of the card 

Welcome benefits: Rs.350 worth of activation benefits 

Provides immediate value when you start using the card 

Earn 7.5% cashback on Myntra spends (capped at Rs.4,000 per statement quarter) 

High reward rate for frequent shoppers on Myntra 

Earn 5% cashback on Flipkart and Cleartrip spends (capped at Rs.4,000 per statement quarter per merchant) 

Strong benefit for major platform spends with defined cap 

Earn unlimited 4% cashback on Preferred Merchants 

Gives extra return on selected partner outlets 

Earn unlimited 1% cashback on all other eligible purchases 

Ensures you get some return on all other spends 

Fuel surcharge waiver: 1% on fuel purchases at all fuel stations in India for valid transactions between Rs.400 and Rs.4,000; maximum benefit up to Rs.400 per statement cycle 

Helps reduce recurring fuel cost under defined condition 

5% cashback on specified online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato) 

High reward rate on your most frequent digital spending channels 

1% cashback on other spends 

Ensures you earn some return on a broad range of purchases beyond the specified merchants 

Gift vouchers worth Rs.1,000 on spends of Rs.1,00,000 or more in each calendar quarter 

Additional milestone incentive for high‑spend users 

1% fuel surcharge waiver at all fuel stations in India (minimum Rs.400, maximum Rs.5,000 transaction; maximum waiver Rs.250 per statement cycle) 

Savings on recurring fuel expenses 

Zero liability on lost card 

If you lose your card, you must report it immediately to prevent misuse of your card  

Interest‑free credit period up to 50 days 

Gives short‑term, interest‑free financing on your purchases 

Smart EMI option for large spends 

Allows converting big purchases into manageable EMIs post purchase 

Contactless payment enabled 

Quick and convenient payments for everyday transactions 

Rewards (CashPoints) redeemable: 1 CashPoint = Rs. 1 against statement; alternate redemption via travel/lifestyle catalogue 

Flexible redemption options and value conversion for your rewards 

Monthly caps on Cashback: maximum 1,000 CashPoints for the 5% category and 1,000 CashPoints for the 1% category per calendar month 

Sets clear upper limits, helping you plan how much value you can extract 

Lounge access (domestic) via achieving quarterly spend milestone 

Adds lifestyle/travel benefit beyond just cashback 

Membership/renewal fee payable, with waiver condition if you meet spend requirement 

Transparent cost with option to waive the fee based on activity 

10 % cashback on transactions via the Swiggy app (food ordering, Instamart, Dineout and Genie) 

Maximises rewards for frequent Swiggy users across many of the platform’s services 

5 % cashback on eligible online spends across defined categories 

Offers elevated returns for online shopping beyond the co‑brand platform 

1 % cashback on all other eligible purchases 

Ensures you continue to earn on general spending, albeit at a lower rate 

Complimentary 3‑month ‘Swiggy One’ membership on card activation 

Adds lifestyle and platform‑value benefit right when you join 

Zero lost card liability feature 

It helps prevent any fraudulent transactions in case the card is reported lost 

Interest‑free credit period up to 50 days from purchase date 

Gives short‑term credit and helps with cash‑flow management 

Smart EMI and balance transfer facilities 

Enables conversion of large purchases or existing balances into easier repayments 

Contactless payment enabled 

Permits faster, more convenient transactions for everyday use 

Membership fee: Rs.500 + applicable taxes (annual from 2nd year) with fee waiver if annual spend atleast Rs.2,00,000 (with defined exclusions) 

Cost is modest and waiver makes it economical if you use the card actively 

Amazon e‑Voucher worth Rs.500 on first transaction within 30 days of card issuance 

Immediate value upon activation, offsets initial cost of the card 

25% cashback on Airtel mobile, broadband, Wi‑Fi and DTH bill payments via Airtel Thanks app 

High reward rate on recurring telecom/utility spends if you use Airtel services 

10% cashback on utility bill payments (gas, electricity etc.) via Airtel Thanks app 

You save on essential household expenses via the app 

10% cashback on Swiggy, Zomato and BigBasket purchases 

Good value for food delivery/grocery spends at these popular merchants 

1% cashback on all other eligible spends 

Ensures you earn rewards on general spending too 

4 complimentary domestic airport lounge visits per calendar year, subject to min spend of Rs.50,000 in previous 3 months 

Adds travel‑luxury benefit for frequent flyers if you meet spend threshold 

1% fuel surcharge waiver on fuel purchases at all fuel stations in India (transactions Rs.400 to Rs.4,000; max waiver Rs.500 per statement) 

Savings on fuel expenses, a frequent cost for many cardholders 

Dining Delights programme – special offers at top restaurants across India 

Additional lifestyle perk beyond basic cashback, useful for dining out 

Option to convert purchases of Rs.2,500 or more into easy EMI 

Helps in managing large spends sensibly by converting into EMIs 

Feature 

Why You Should Avail 

2% cashback on online spends (up to Rs.1,000 per month) 

Highest reward rate offered for online shopping. It is good value if you shop online frequently. 

1% cashback on other eligible spends (up to Rs.500 per month) 

Ensures you earn rewards on non‑online purchases, covering everyday expenses beyond just the internet. 

Extended interest‑free credit period for the first 90 days after card issuance by paying only the minimum due 

Gives extra breathing room when you first get the card. It is helpful if you need time before full payment. 

Special EMI interest rate of 0.99% per month with zero processing fee for converting eligible transactions into 3‑month EMI 

Makes large purchases more manageable by turning them into low‑cost short‑term installments. 

Joining / first year fee: Rs.499 + GST (waived under special offer for first‑time cardholders) 

Entry cost is relatively reasonable, and first‑year waiver improves value. 

Renewal fee from 2nd year: Rs.499 + GST — waived if annual spend in preceding year atleast Rs.1,20,000 

Provides a path to keep the card effectively fee‑free if you use it actively. 

No cashback on fuel transactions 

Important to know: some major spend categories like fuel are excluded, so plan usage accordingly. 

Supplementary (add‑on) cards available 

You can extend the benefits of the card to family members via add‑ons. 

Contactless payments, secure online transactions and digital payment solutions (e.g., instant payment modes) 

Improves convenience and security in everyday usage—useful for modern cardholders who pay online or via mobile. 

Earn 10× or 5× Reward Points on all online domestic and international retail transactions and all POS and Contactless offline domestic and international transactions 

High reward rate on most shopping transactions, giving major boost in points for regular spenders 

Maximum of 10,000 Reward Points per statement cycle 

Transparent cap helps you plan how much value you can earn 

Exclusions: Fuel, Rent, Cash withdrawal, BBPS, Quasi-Cash, Education and Government service transactions 

Know upfront which transactions do not earn accelerated rewards 

Utility and Insurance transactions earn 1 Reward Point per Rs.100 (capped at 100 Reward Points per transaction) 

Ensures you still earn something on utilities/insurance, but at a lower rate 

Fuel surcharge waiver: 1% on transactions between Rs.400 and Rs.5,000 at fuel stations 

Reduces recurring fuel costs under defined conditions 

Milestone Cashback: Additional 5% cashback three times over 90 days if retail spends reach Rs.10,000 (max Rs.500 per 30 days), or 2% cashback three times over 90 days if spends reach Rs.15,000 (max Rs.1,000 per 30 days) 

Extra rewards for hitting spend milestones, rewarding higher spend patterns 

Category Cashback: Additional 5% cashback on groceries and apparel (in addition to 1 Reward Point per Rs.100) with max Rs.500 per 30 days 

Targeted savings in everyday high-volume categories 

Airport Lounge Access: Up to 2 visits per 90 days 

Adds lifestyle and travel benefit beyond basic rewards 

Zero liability for fraudulent transactions (up to Rs.1.5 lakh or credit limit) when the card is reported lost 

Protects you from financial loss due to fraud 

HDFC Bank Money Back Credit Card

Salaried - 21 to 60 years

Self-employed - 21 to 65 years

Cashback SBI Card

21 to 70 years

Amazon Pay ICICI Credit Card

18 to 65 years

HSBC Live+ Credit Card

18 to 65 years

Flipkart Axis Bank Credit Card

18 to 70 years

HDFC Millennia Credit Card

21 to 40 years

Swiggy HDFC Credit Card

Salaried - 21 to 60 years 

Self-employed - 21 to 65 years  

Airtel Axis Bank Credit Card

18 to 70 years

Standard Chartered Smart Credit Card

18 to 65 years

AU Bank LIT Credit Card

21 to 60 years (Salaried)