Looking to earn while you spend? A cashback credit card can help you save money on everyday purchases like online shopping, bill payments, dining, and fuel expenses. These cards are designed to reward smart spending while offering simple and valuable cashback benefits. In this guide, we’ve listed the best cashback credit cards in India that offer excellent value on daily expenses. From shopping to travel and groceries, these cards help you maximize savings while choosing the right card for your lifestyle.
Top 12 Best Cashback Credit Cards In India June 2026
| Credit Card | Cashback Benefits |
| Cashback SBI Card | 5% cashback on online spends, 1% cashback on offline spends, fuel surcharge waiver, automatic cashback credit, renewal fee reversal on ₹2 lakh annual spends |
| HDFC Millennia Credit Card | 5% cashback on Amazon, Flipkart, Myntra, Swiggy & Zomato, 1% cashback on other spends, up to 10% cashback via SmartBuy/PayZapp, quarterly lounge access, milestone gift vouchers |
| Axis Bank ACE Credit Card | 5% cashback on utility bills & recharges via Google Pay, 4% cashback on Swiggy, Zomato & Ola, 1.5% cashback on all other spends, lounge access, dining discounts |
| ICICI Amazon Pay Credit Card | Up to 5% rewards on Amazon purchases for Prime users, 3% rewards for non-Prime users, 1% rewards outside Amazon, no joining or annual fee, low forex markup |
| HDFC Bank MoneyBack Credit Card | 2X reward points on online spends, cashback redemption option, quarterly gift vouchers, fuel surcharge waiver, cashback on shopping across 200+ brands |
| Standard Chartered Super Value Titanium | 5% cashback on fuel, utility bills & phone bills, reward points on other spends, fuel surcharge waiver, Priority Pass membership for eligible users |
| Swiggy HDFC Bank Credit Card | 10% cashback on Swiggy spends, 5% cashback on online spends, complimentary Swiggy One membership, EMI conversion option, contactless payments |
| Airtel Axis Bank Credit Card | 25% cashback on Airtel bill payments via Airtel Thanks App, welcome Amazon voucher, fuel surcharge waiver, EMI conversion facility |
| Flipkart Axis Bank Credit Card | 5% cashback on Flipkart & Cleartrip, up to 7.5% cashback on Myntra, 4% cashback on preferred merchants, travel discounts, welcome benefits |
| HSBC Cashback Credit Card | 10% cashback on dining, groceries & food delivery, 1.5% unlimited cashback on retail & entertainment spends, lounge access, Times Prime membership |
| IndusInd Bank EazyDiner Credit Card | 25%–50% dining discounts at partner restaurants, extra dining discounts via EazyDiner App, reward points on travel & entertainment spends, fuel surcharge waiver |
| Kotak Royale Signature Credit Card | Reward points on travel, dining & international spends, fuel surcharge waiver, reward points on utility, insurance & education spends, cashback redemption options |
1. Cashback SBI Card – Cash Back Credit Cards In India
If you’re looking for one of the best cash back credit cards in India, the Cashback SBI Card stands out with its unlimited cashback benefits and simple rewards structure. Designed for smart shoppers, this card offers consistent savings on everyday spending, making it a strong choice among cashback credit cards.
Key Benefits of Cashback SBI Card:
- 5% Cashback on Online Spends: On online purchases without merchant restrictions
- 1% Cashback on Offline Spends: On eligible offline transactions
- Spend-Based Fee Reversal: Renewal fee reversal on annual spends of ₹2 Lakhs
- Hassle-Free Cashback Credit: Cashback gets auto-credited to your card account within 2 working days after statement generation
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 to ₹3,000 across India
- Maximum Fuel Benefit: Up to ₹100 waiver per statement cycle
- Add-on Card Fee: Nil
Whether you’re shopping, traveling, or handling daily bills, this card gives you more savings on every transaction. With no merchant restrictions and a simple cashback system, it’s designed for people who prefer direct savings over reward points.
2. HDFC Millennia Credit Card – Best Credit Cards For Cashback
If you enjoy shopping online, ordering food, or booking trips, the HDFC Millennia Credit Card is a great fit for your lifestyle. It’s one of the popular cash back cards in India, giving instant cashback on everyday spending across top brands.
Key Benefits of HDFC Millennia Credit Card:
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, and more
- ₹1,000 worth gift voucher on spends of ₹1 lakh per calendar quarter
- 1% cashback on other spends
- Up to 10% cashback across 200+ brands via SmartBuy / PayZapp Shop
- Pay membership fee and get reward points equivalent to the fee amount
- Get either ₹1,000 gift voucher or 1 domestic lounge access on quarterly milestone spends
- Quarterly spend-based domestic airport lounge access
- Get up to 10% additional cashback via PayZapp / SmartBuy
With a strong cashback structure and wide acceptance, this card makes saving simple. The cashback is credited directly to your statement, so it’s easy to track and use anytime.
The HDFC Millennia Credit Card also gives extra value during seasonal offers, making it a smart option for groceries, gadgets, and more.
3. Axis Bank ACE Credit Card – Unlimited Cashback Credit Card
If you’re searching for the maximum cashback credit card in India, the Axis Bank ACE Credit Card stands out as a solid option. Built for people who spend often on essentials like bill payments, food, and travel, this card offers real savings on daily spending.
Key Benefits of Axis Bank ACE Credit Card:
- 5% cashback on utility bill payments, DTH, and mobile recharges via Google Pay
- 4% cashback on Swiggy, Zomato, and Ola
- 1.5% cashback on all other spends
- 4 complimentary domestic airport lounge visits per calendar year
- 1% fuel surcharge waiver across India (on eligible transactions)
- Up to 15% discount at partner restaurants under dining offers
A major highlight of this card is 2 percent cashback on every transaction across selected categories, helping you save more on regular purchases. The cashback is automatically credited, so there’s no need to redeem it manually.
With easy-to-use benefits and a rewarding cashback structure, the Axis Bank ACE Credit Card is a smart option for anyone looking to save more with every swipe.
4. ICICI Amazon Pay Credit Card – High Cashback Credit Card
The ICICI Amazon Pay Credit Card is one of the popular cashback credit cards in India, especially for people who shop online often. It gives 2% cash back on eligible transactions, and if you’re an Amazon Prime member, the rewards get even better.
Key Benefits of ICICI Amazon Pay Credit Card
- Non-expiring, unlimited rewards
- Lower forex mark-up at 1.99% on international spends
- 1% unlimited rewards on spends outside Amazon
- Seamless rewards with easy redemption
- Unlimited reward points up to 5% on Amazon purchases
- 1% fuel surcharge waiver on fuel purchases
- Joining Fee: NIL
- Annual Fee: NIL
- Earn reward points on every ₹100 spend
- 5 points for Prime members
- 3 points for Non-Prime members
- 2 points on 100+ partner merchants
This card is great for people who shop online, order food, or make digital payments regularly. Backed by Visa and issued by ICICI Bank, it gives you a smooth payment experience along with cashback on everyday spending.
With strong rewards on Amazon and easy cashback benefits, the ICICI Amazon Pay Credit Card is a smart choice for anyone who wants better value on every spend.
5. HDFC Bank MoneyBack Credit Card – Highest Cashback Credit Card
The HDFC Bank MoneyBack Credit Card is one of the popular cashback credit cards in India, made for beginners and regular users. If you’re looking for a card that gives value on online shopping and bill payments without confusing reward systems, this card is worth checking out.
Key Benefits of HDFC MoneyBack Credit Card:
- 2X Reward Points on every ₹150 spent online.
- Dining privileges with Good Food Trail for max. 20% off on Swiggy Dineout.
- 1% fuel surcharge waiver on ₹400-₹5,000 transaction amount.
- On crossing spends of ₹50,000 every quarter, get a gift voucher worth ₹500.
- Get ₹1,000 CashBack on shopping in-app over 200+ brands.
Get ₹500 renewal fee waived on ₹50,000+ annual spends on your MoneyBack Card.
The reward points earned on your spending can be redeemed as cash back credit, so using your rewards is simple and easy. With extra rewards on online transactions, this card works well for people who shop and pay online.
With easy benefits, steady rewards, and simple redemption, the HDFC Bank MoneyBack Credit Card is a smart choice for everyday spending and long-term savings.
6. Standard Chartered Super Value Titanium – Credit Card With Cashback Offers
The Standard Chartered Super Value Titanium Credit Card is a good choice if you want a card that gives savings on everyday expenses like fuel, utility bills, and phone recharges. Among the popular cash back credit cards in India, this card is known for its useful rewards on regular spending.
If you’re searching for a 5% cash back credit card, this card is definitely worth checking out.
Key Benefits of Standard Chartered Super Value Titanium:
- Get 5% cashback on fuel spends
- Enjoy 5% cashback on phone bills
- Receive 5% cashback on utility bill payments
- Earn 1 reward point for every ₹150 spent on other expenses
- Complimentary card benefits for Premium Banking customers
- Complimentary Priority Pass membership for eligible customers
- Instant approval with online video KYC
- No physical interaction required during application process
- Offered on the Mastercard network
- Redeem reward points for vouchers, discounts, and exciting offers
This card is a smart option for people who regularly spend on fuel and monthly bills. The cashback benefits help you save more on everyday payments without any complicated rewards system.
With simple benefits and regular savings, the Standard Chartered Super Value Titanium Credit Card is a reliable option for everyday use.
7. Swiggy HDFC Bank Credit Card – Cash Back Cards India
The Swiggy HDFC Bank Credit Card is the ultimate pick for food lovers and online shoppers. If you’re hunting for a 3% cashback credit card or a 10% cashback credit card for food delivery, dining, and daily spends, this card hits the sweet spot. It’s designed for the digital lifestyle and offers useful savings on everyday spending.
Whether you’re ordering from Swiggy , shopping online, or paying utility bills, this card ensures you earn back every time you spend.
Key Features of Swiggy HDFC Credit Card:
- 10% CashBack on spends across Swiggy App on Food orders, Instamart, Dineout & Genie.
- Complimentary 3 Months Swiggy One Membership on activating your card within first 30 days of card issuance.
- 5% CashBack on online spends across multiple apps and website.
- Up to 50 days of interest-free Credit from the date of purchase.
- Ability to convert large transactions to a SmartEMI after purchase.
- Contactless payments to improve your purchase experience.
This card is a great option for people who frequently order food or shop online. If you’re comparing cashback card options , this one offers good value for everyday spending and modern lifestyles.
With instant cashback benefits and simple rewards, the Swiggy HDFC card stands out for its easy savings and real-time rewards experience. If you’re looking for the right balance between food, entertainment , and lifestyle benefits, this is a credit card and cashback combo worth considering.
8. Airtel Axis Bank Credit Card – Best Cashback Credit Cards in India
If you’re looking for the best cashback credit card in India, especially for utility payments and mobile bills, the Airtel Axis Bank Credit Card is worth considering. It’s designed for people who regularly spend on phone bills, broadband, DTH, and OTT platforms like Airtel Xstream. With useful benefits and simple cashback offers, it’s a strong option for everyday spending.
This cashback credit card helps you earn rewards on your regular monthly expenses in a simple and convenient way.
Key Features of Airtel Axis Bank Credit Card:
- 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via Airtel Thanks App
- Get Amazon eVoucher worth ₹250 on first transaction within 30 days of card issuance
- 1% fuel surcharge waiver on fuel purchases at all fuel stations across India
- Convert transactions of ₹1,500 or more into easy EMI
- Exciting Wednesday Delight offers every Wednesday
- First year free on the Airtel Axis Bank RuPay Credit Card
The Airtel Axis Bank Credit Card is a good option for people who want savings on everyday expenses like bills, groceries , and food delivery. It offers simple cashback benefits without any complicated rewards system.
If you want a credit card with practical cashback benefits for regular spending , the Airtel Axis Bank Credit Card is a smart choice for daily use.
9. Flipkart Axis Bank Credit Card – Best Credit Card for Cashback
When it comes to online shopping, especially on Flipkart and its partner platforms, the Flipkart Axis Bank Credit Card stands out as one of the best credit cards for cashback in India. It offers cashback on every transaction , making it a great choice for frequent online shoppers. Whether you want a 1% cash back credit card or a 5 percent cash back credit card, this card offers a good balance of rewards and everyday savings.
Key Benefits of Flipkart Axis Bank Credit Card:
- Earn up to 7.5% cashback on Myntra spends
- Get 5% cashback on Flipkart and Cleartrip purchases
- Enjoy unlimited 4% cashback on preferred merchants
- Get welcome benefits worth ₹350 on card activation
- Enjoy instant savings up to 15% on flights & hotels via MakeMyTrip every Wednesday
This card is a great option for people who spend more on shopping, fashion, food delivery, and entertainment. With direct cashback benefits and simple savings , it works well for regular online users. If you’re looking for a cashback credit card that offers easy rewards and value on everyday spending, the Flipkart Axis Bank Credit Card is a solid choice.
10. HSBC Cashback Credit Card – Cashback Credit Cards for Online Spends
If you’re searching for a simple, rewarding, and globally accepted credit card, the HSBC Cashback Credit Card deserves your attention. Known for its strong everyday rewards, this card is ideal for people who frequently spend online and want direct savings on regular purchases.
It stands out for offering straightforward cashback benefits without any complicated reward conversions.
Key Benefits of HSBC Cashback Credit Card:
- Get 10% cashback on dining and food delivery spends across India
- Earn 10% cashback on grocery shopping purchases
- Enjoy 1.5% unlimited cashback on other retail purchases
- Get 1.5% unlimited cashback on entertainment spending
- Enjoy complimentary domestic airport lounge access
- Get a free 12 month Times Prime subscription
- Earn 15% cashback on hotel stays booked via MakeMyTrip using promo code VISASIGNATURE
- Enjoy complimentary flight seat selections twice a year on domestic flights booked with MakeMyTrip
With this card, cashback is directly credited to your account, making it simple and easy to use. It’s a great option for online shopping, groceries, dining, and daily spending categories. Whether you’re a student, working professional, or regular online shopper, this card offers steady savings with a simple cashback structure. If you’re looking for a cashback credit card with easy rewards and practical benefits for digital spending, the HSBC Cashback Credit Card is a solid option.
11. IndusInd Bank EazyDiner Credit Card – Cashback Card
The IndusInd Bank EazyDiner Credit Card is one of the popular cashback cards in India for people who love dining out. With exciting cashback offers and restaurant deals , this card makes every meal more rewarding.Whether you’re dining at premium restaurants or ordering food online , this card helps you save more while enjoying extra lifestyle benefits. It’s a great option for people who want dining rewards along with regular cashback savings.
Key Features of IndusInd Bank EazyDiner Credit Card:
- Get guaranteed 25% to 50% OFF at 2000+ premium restaurants & bars with EazyDiner Prime Membership
- Extra 25% OFF up to ₹1,000 on dining payments through the EazyDiner App
- Earn 10 Reward Points on every ₹100 spent on travel , shopping, and entertainment
- Instant redemption of Reward Points against restaurant bills for extra savings
- Get 2000 welcome bonus EazyPoints
- Complimentary Postcard Hotel stay voucher worth ₹7,500
- Enjoy 1% fuel surcharge waiver across India
- Total Protect cover against unauthorized and counterfeit transactions
This card is a strong choice for people who spend more on dining, food orders, and lifestyle experiences. With useful discounts and cashback benefits , it gives good value on regular spending.
If you enjoy dining out or ordering in frequently, the IndusInd Bank EazyDiner Credit Card is definitely worth considering.
12. Kotak Royale Signature Credit Card – Cash Back Offers On Credit Cards
The Kotak Royale Signature Credit Card is ideal for those who want luxury benefits along with generous cash back credit card offers. Known for its travel perks and reward structure, this card is a great pick for individuals who are looking for one of the best credit cards for cash back in India without compromising on lifestyle privileges.
Although not a typical unlimited cashback credit card, it provides high reward points that can be easily redeemed for cash, vouchers, and travel bookings—making it a top option in the cash back cards India category.
Key Features of Kotak Royale Signature Credit Card:
- Earn 4 reward points on every ₹150 spent across accelerated categories like Hotels, Restaurants, Travel Agencies, Airlines, Tour Operators, and International Spends
- Earn 2 reward points on every ₹150 spent across other eligible base categories
- 1% fuel surcharge waiver applicable on transactions between ₹500 and ₹5000
- Avail maximum fuel surcharge waiver of up to ₹3,500 in an anniversary year
- Reward points on education and insurance spends applicable up to ₹70,000 per statement cycle
- Reward points on utility spends applicable up to ₹50,000 per statement cycle
The Kotak Royale Signature Credit Card is a great option for people who want premium lifestyle benefits along with useful cashback and reward offers. Known for its travel perks and flexible rewards system , this card is a good pick for users looking for lifestyle benefits without giving up savings. While it’s not a typical unlimited cashback credit card, it offers reward points that can be redeemed for cashback, vouchers, and travel bookings making it a strong option for regular spenders. If you’re looking for a card that combines travel, shopping , and lifestyle rewards, this card offers a good balance of savings and premium benefits. The Kotak Royale Signature Credit Card is especially suitable for people who enjoy travel and lifestyle perks along with flexible reward options.
So, if you’re exploring cashback and rewards cards with premium features , the Kotak Royale Signature Credit Card is definitely worth considering.
What is the best cashback credit card in India?
The best cashback credit card in India depends on your spending habits, but SBI Cashback Card, HDFC Millennia, and Flipkart Axis Bank Card are top choices.
What are the features of the SBI Cashback Credit Card?
The SBI Cashback Card offers flat 5% cashback on online spends and 1% on all other transactions with no merchant restrictions.
Is there a 10% cashback credit card in India?
Yes, cards like the Flipkart Axis Bank Card and Amazon Pay ICICI Card offer up to 10% cashback on specific partner websites.
What are the SBI Cashback Credit Card benefits?
SBI Cashback Credit Card provides 5% cashback on online spends, automatic cashback credit, and zero joining fees for the first year.
Which is the best 2% cashback credit card in India?
Cards like the Airtel Axis Bank Credit Card offer around 2% cashback on utility payments and telecom bills, making them suitable for everyday use.
Are cashback credit cards in India worth it?
Yes, cashback credit cards are ideal for users who want direct savings on shopping, dining, travel, and bill payments.
What should I look for in a cashback credit card review?
Check cashback rates, eligible categories, annual fees, redemption flexibility, and hidden charges before applying.
Can I get a free cashback credit card in India?
Yes, many banks offer lifetime-free or first-year-free cashback credit cards like the Amazon Pay ICICI and SBI Cashback Card.
Do cashback credit cards offer value on offline spends?
While many cards focus on online cashback, some like HDFC Millennia and Axis Ace offer decent cashback on offline spends too.
How do I compare cashback credit cards in India?
Compare based on cashback rate, cap limits, annual fee, and categories where cashback is applicable (e.g., fuel, groceries, online shopping).
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