Looking to earn while you spend? A cashback credit card might just be your best companion. Whether you’re shopping online, paying bills, dining out, or filling up your fuel tank, cash rewards credit cards let you save a portion of your money with every transaction. These cards are specially designed for smart spenders who want cash back credit benefits without the hassle of points or complicated redemption processes.
In this blog, we’ve listed the best cashback credit cards in India that give maximum value on everyday expenses. From no-cost EMI options to attractive cashback offers on travel and groceries, these cards are tailored for your lifestyle. If you’re searching for the best credit cards for cash back, read on to find the perfect one that suits your needs and maximizes your savings.
Top 15 Best Cashback Credit Cards In India August 2025
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Cashback Credit Card 2025 |
Cashback Benefits |
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Cashback SBI Card |
5% on online spends, 1% on others (uncapped) |
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HDFC Millennia Credit Card |
5% on Amazon, Flipkart, Swiggy; 1% on other spends |
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Axis Bank ACE Credit Card |
5% on bill payments via Google Pay; 4% on Swiggy/Zomato/Ola; 2% on all other spends |
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HDFC Bank MoneyBack Credit Card |
Reward points redeemable for cashback – up to 4 points/₹150 |
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ICICI Amazon Pay Credit Card |
5% (Prime) / 3% (non-Prime) on Amazon; 2% on partners; 1% on other spends |
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Standard Chartered Super Value Titanium |
5% cashback on fuel, utility bills, and phone bills |
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Swiggy HDFC Bank Credit Card |
10% cashback on Swiggy; 5% on online shopping; 1% elsewhere |
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Airtel Axis Bank Credit Card |
25% on Airtel services; 10% on utilities & partners; 1% on other spends |
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Flipkart Axis Bank Credit Card |
5% on Flipkart & Myntra; 4% on Swiggy & PVR; 1.5% on other spends |
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HSBC Cashback Credit Card |
10% on dining & groceries; 1.5% on online; 1% on others |
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IndusInd Bank EazyDiner Credit Card |
25% off on dining via EazyDiner; 2% cashback on spends |
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Kotak Royale Signature Credit Card |
Reward points convertible to cashback; 4X points on select spends |
1. Cashback SBI Card – Cash Back Credit Cards In India
If you’re searching 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 system. Designed for smart shoppers, this card gives you guaranteed savings on every spend, making it a strong contender among the highest cashback credit cards available today.
Key Benefits of Cashback SBI Card:
- 5% Cashback on online purchases (no brand restrictions)
- 1% Cashback on offline spends and utility bill payments
- Automatic cashback credit to your card account—no redemption hassle
- Unlimited cashback credit card—no monthly or annual capping on rewards
- Fuel surcharge waiver up to ₹100/month
- Low annual fee of ₹999 (waived on ₹2 lakh annual spend)
Whether you’re shopping for gadgets, booking travel, or paying for daily essentials, this credit card with cashback offers gives you consistent savings. Plus, it’s ideal for people who prefer cashback offers on credit cards rather than reward points.
With the Cashback SBI Card, you’re not limited to specific merchants. It’s one of the few credit cards with cash back offers that delivers high cashback across all categories—making it a smart pick if you want credit card offers with cash back without the complications.
2. HDFC Millennia Credit Card – Best Credit Cards For Cashback
If you’re someone who loves online shopping, food delivery, or travel bookings, the HDFC Millennia Credit Card is designed just for you. It’s one of the most popular cash back cards in India, offering instant cashback rewards on everyday spending across top brands. With generous cash back credit card offers, this card turns your regular purchases into real savings.
Key Benefits of HDFC Millennia Credit Card:
- 5% Cashback on Amazon, Flipkart, Swiggy, Zomato, and more (via PayZapp/SmartBuy)
- 1% Cashback on all other retail purchases
- Complimentary airport lounge access (4 per year in India)
- Fuel surcharge waiver up to ₹250/month
- Welcome benefit worth ₹1,000 on card activation
- Annual Fee: ₹1,000 + GST (waived on ₹1 lakh annual spend)
With its broad acceptance and excellent cashback structure, it’s perfect for those looking for cashback offers on credit cards without complicated reward systems. Plus, the cashback is credited directly to your statement, making it easy to track and redeem.
The HDFC Millennia Credit Card also frequently comes with credit card offer cash back deals during festive seasons, adding more value for smart spenders. Whether you’re paying for groceries or gadgets, this is a maximum cash back credit card you can rely on.
Looking for cash back offers on credit cards that give consistent returns? This one definitely makes the cut.
3. Axis Bank ACE Credit Card – Unlimited Cashback Credit Card
Looking for the maximum cashback credit card in India? The Axis Bank ACE Credit Card stands tall among the best. Designed for people who spend regularly on essentials like bills, food, and travel, this card is a true cashback card that gives back generously—without making you chase points or complex rewards.
Key Benefits of Axis Bank ACE Credit Card:
- 5% Cashback on bill payments and mobile recharges via Google Pay
- 4% Cashback on Swiggy, Zomato, and Ola
- 2% Unlimited Cashback on all other spends
- Unlimited Cashback – no cap, no expiry
- Free domestic lounge access – 4 per calendar year
- Annual Fee: ₹499 + GST (waived on ₹2 lakh annual spend)
What makes this card shine is the 2 percent cashback on every transaction—be it fuel, shopping, or dining. If you’re someone who uses your card for daily purchases, the ACE card can help you save a lot over time.
It’s one of the best cashback credit cards for salaried professionals, students, or anyone looking for a simple yet high-reward credit card experience. The cash back card offers are automatic and directly adjusted to your statement—no need to redeem manually.
Whether you’re looking for the best cash back cards or a credit card with maximum cashback, Axis ACE checks every box. It’s the ideal card for people who want real, unlimited cashback without jumping through hoops.
4. ICICI Amazon Pay Credit Card – High Cashback Credit Card
The ICICI Amazon Pay Credit Card is one of the top cashback credit cards in India, especially for online shoppers. It’s a 2 percent cash back card that rewards you on every transaction, and if you’re an Amazon Prime member, the benefits get even better.
This credit card with cashback is ideal for people who frequently shop online, order food, or use digital wallets. Backed by Visa and issued by ICICI Bank, it brings together flexibility and powerful rewards in a best money back card package.
Key Benefits of ICICI Amazon Pay Credit Card
- 5% Cashback on Amazon India (for Prime members)
- 3% Cashback on Amazon India (non-Prime users)
- 2% Cashback on partner merchants (like Swiggy, BookMyShow, and more)
- 1% Cashback on all other spends
- No Annual Fee – it’s a lifetime free card
- Cashback credited as Amazon Pay balance every billing cycle
Unlike many cards that come with restrictions, this card offers 2 cash back on multiple platforms. Whether you’re paying utility bills, booking tickets, or shopping online, your cashback keeps building. With its highest cashback card advantage on Amazon and simplicity on everyday spending, it ranks among the best credit card cashback options in India.
If you’ve been searching for 2 percent cash back credit cards or a credit card cash back solution that actually benefits your lifestyle, the ICICI Amazon Pay Credit Card is a go-to choice. It’s convenient, rewarding, and built for the modern digital spender.
5. HDFC Bank MoneyBack Credit Card – Highest Cashback Credit Card
The HDFC Bank MoneyBack Credit Card is one of the top cashback credit cards in India for beginners and everyday users. If you’re looking for a cash rewards credit card that offers solid returns on online shopping and bill payments without complicated reward structures, this is one of the best options.
It’s widely considered among the best credit cards in India for cashback—especially for those who want simple cash back credit without paying a high annual fee.
Key Benefits of HDFC MoneyBack Credit Card:
- 4 reward points per ₹150 spent on online purchases
- 2 reward points per ₹150 on other spends
- Redeem reward points for cashback or gifts through the HDFC rewards portal
- Spend ₹50,000 in 3 months and get ₹500 worth of gift vouchers as a welcome benefit
- Annual fee of ₹500 (reversed on annual spending of ₹50,000 or more)
- Fuel surcharge waiver up to ₹250/month
The accumulated reward points can be redeemed as cash back credit directly into your account, making it one of the most flexible cash rewards credit cards on the market. Plus, with higher points on online transactions, this cash back credit card is perfect for the digitally active user.
If you’re someone looking for a best cash credit card with minimal fees and steady rewards, the HDFC MoneyBack Credit Card checks all the boxes. It’s a reliable back card for those who want value from everyday spending.
Whether you’re new to credit cards or upgrading from a basic card, the HDFC MoneyBack ranks high among the best cashback credit card choices in India today.
6. Standard Chartered Super Value Titanium – Credit Card With Cashback Offers
The Standard Chartered Super Value Titanium Credit Card is a smart pick if you’re looking for a good cash back credit card that offers consistent rewards on daily essentials. With cash back credit cards gaining popularity in India, this card stands out for its generous fuel, utility, and telecom bill payment rewards.
If you’re searching for a 5% cash back credit card or one of the best credit cards with cash back rewards, this is one to seriously consider.
Key Benefits of Standard Chartered Super Value Titanium:
- 5% cashback on fuel purchases across all petrol pumps in India (up to ₹200/month)
- 5% cashback on utility bill payments and telephone bills
- 1 reward point per ₹150 on other expenses
- Accepted globally and suitable for international transactions
- Complimentary offers and discounts on dining, travel, and lifestyle
- Annual fee: ₹750 (waived on annual spends of ₹90,000)
This is among the best credit cards with cash back for those who want to save on regular monthly payments like fuel and bills. If you’re spending consistently in these categories, the 5% cashback is a solid way to reduce costs.
It’s not just a 2.5% cash back credit card—you actually get up to 5% cash back, which is why it’s often counted among the best cashback credit card India offers today. Ideal for salaried professionals and families, this credit card for cash back helps you earn rewards on the essentials.
In short, if you’re looking for one of the best cashback cards with practical and regular savings, the Standard Chartered Super Value Titanium Credit Card delivers dependable value every month.
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 a recent yet powerful entry in the category of best cash back credit cards 2020 and beyond, designed for the digital lifestyle.
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 Swiggy orders (food, Instamart, Dineout)
- 5% cashback on online spends including Amazon, Flipkart, Nykaa, and more
- 1% cashback on all other transactions
- Complimentary Swiggy One membership for 3 months
- Annual fee: ₹500 (waived on annual spending of ₹2 lakh)
- Cashback credited as Swiggy Money in your app
This is one of the best credit cards for rewards and cash back, especially for those who frequently order food or shop online. If you’re comparing cashback card options, this one offers value beyond just groceries or travel—it’s custom-made for modern urban lifestyles.
With a solid cashback card comparison, the Swiggy HDFC card stands tall among best credit card for cash back rewards because of its real-time benefits and instant rewards experience. It easily qualifies as a best cash back rewards card in India today.
If you’re looking for the right balance between food, entertainment, and lifestyle benefits, this is a credit card and cash back combo you’ll love. In short, this is one of the top credit cards cash back seekers should consider in 2025.
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 spend regularly on phone bills, broadband, DTH, and OTT platforms like Airtel Xstream. With smart benefits and simple cashback offers, it ranks among the best cashback credit cards India has to offer.
This cash back credit card ensures your everyday spends reward you in the most convenient way possible.
Key Features of Airtel Axis Bank Credit Card:
- 25% cashback on Airtel mobile, Wi-Fi, DTH, and Airtel Black bill payments via Airtel Thanks App
- 10% cashback on utility bill payments (electricity, gas, water) via the app
- 10% cashback on partner platforms like Zomato, Swiggy, and BigBasket
- 1% cashback on all other spends
- Annual fee: ₹500 (waived on spending ₹2,00,000 per year)
- Complimentary Lounge Access at domestic airports (4 times/year)
- Fuel surcharge waiver (1% on transactions between ₹400 and ₹4,000)
The Airtel Axis Bank Credit Card is one of the credit cards that give cash back on essential monthly expenses. Whether it’s your phone bill or groceries, you earn as you pay—making it a strong contender for the most cash back credit card for utility-focused users.
This card also qualifies as one of the best cash back rewards cards, offering flexibility and savings in real time. For those searching for cash back on credit card without any complicated reward point system, this card delivers straight benefits.
If you’re someone who wants cash back in credit card on necessary spends rather than luxury purchases, this is India’s best credit card with cashback for everyday 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 guaranteed cashback on every transaction, making it a top choice among top cash back credit cards for frequent digital buyers.
Whether you want a 1% cash back credit card or a high-reward 5 percent cash back credit card, this one strikes the perfect balance.
Key Benefits of Flipkart Axis Bank Credit Card:
- 5% cashback on Flipkart and Myntra purchases
- 4% cashback on Swiggy, PVR, and Uber
- 1.5% cashback on all other eligible transactions
- Welcome benefits worth ₹1,100, including Flipkart vouchers
- Annual fee: ₹500 (waived on ₹2 lakh annual spending)
- Fuel surcharge waiver (1% on spends between ₹400–₹4,000)
- Accepted across all online and offline merchants where Visa is allowed
This card shines in any cash back card comparison, especially if your spending is focused on lifestyle, fashion, and food delivery. It’s considered a good cash back credit card for students, professionals, and families who love shopping online.
If you’re looking to compare cash back credit cards, you’ll see that the Flipkart Axis Bank Credit Card consistently ranks high for its credit cashback structure. It gives real-time cashback without the need to convert points, making it super convenient.
With this card, you don’t just earn—you save consistently. So, if you’re on the hunt for the best cash back credit cards in India that offer direct value and high returns, this one is a solid pick.
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 as one of the free cash back credit cards with strong everyday rewards, this card is ideal for those who frequently spend online and want direct savings with every swipe.
It ranks high in cash back credit card comparison lists for offering flat cashback on key spending categories without complicated reward conversions.
Key Benefits of HSBC Cashback Credit Card:
- 10% cashback on dining, food delivery, and grocery purchases (up to ₹1,000/month)
- 1.5% cashback on all other online spends (no minimum transaction limit)
- 1% cashback on all other spends
- Annual Fee: ₹750 (waived for the first year and on ₹1,00,000 annual spend from 2nd year)
- Fuel surcharge waiver on transactions between ₹400 – ₹4,000
- Access to HSBC dining privileges and international merchant offers
With this card, cashback credit is directly credited to your account, making it very user-friendly. If you’re comparing which credit card has highest cash back or which credit card has best cash back rewards, HSBC is a great pick for online shopping, groceries, and food-related categories.
It’s perfect for people who want a card with most cash back without getting into the complexities of reward points. Whether you’re a student, working professional, or family user, this online cashback credit card delivers consistent savings.
This card also performs well in any credit card 3 cash back or 10 percent cash back comparison—especially because it offers one of the most straightforward credit card cashback structures in the Indian market.
So if you’re looking for the best cashback credit card 2025 still relevant in 2025 for smart digital spends, HSBC’s Cashback Credit Card is a must-consider.
11. IndusInd Bank EazyDiner Credit Card – Cashback Card
The IndusInd Bank EazyDiner Credit Card is one of the best cashback cards in India for those who dine out frequently. Packed with exciting cashback credit card offers and exclusive restaurant deals, this card turns your every meal into a rewarding experience.
Whether you’re eating at top restaurants or ordering food online, this free cashback card helps you save more while enjoying premium dining experiences. It’s ideal for anyone who values lifestyle benefits along with strong cashback returns.
Key Features of IndusInd Bank EazyDiner Credit Card:
- 25% instant discount at over 2,000+ premium restaurants via EazyDiner app
- 2% cashback on all dining and non-fuel spends (a true 2 cash back credit card)
- Free EazyDiner Prime membership worth ₹1,995
- Welcome Bonus: Get ₹500 EazyPoints on activation
- Annual Fee: ₹1,999 (with benefits easily covering the fee for frequent diners)
- Exclusive access to gourmet events and culinary experiences
This card stands out as one of the best unlimited cashback credit cards, especially in the dining category. It’s also a great option for those looking for a best return credit card that combines lifestyle rewards and savings.
For anyone asking, “which cashback credit card is best for dining?”—this is a clear winner. It’s also one of the credit cards giving cashback without hidden restrictions or confusing reward programs.
Though it comes with a fee, the value it offers makes it a strong contender even against best cashback credit cards with no annual fee.
If you’re comparing cashback cards and you love dining out or ordering in, the IndusInd Bank EazyDiner Credit Card is definitely worth your plate.
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 4X reward points on spends in select categories like travel and international purchases
- Earn 2X reward points on all other eligible spends
- Convert your reward points into cashback or vouchers, enabling a flexible redemption process
- Complimentary airport lounge access across India
- Fuel surcharge waiver up to ₹3,500 annually
- No interest on cash withdrawals for up to 48 days
- Annual Fee: ₹999 (waived on annual spends above ₹1 lakh)
If you’re looking for a high cashback credit card with premium lifestyle perks, this card fits the bill. It’s also one of the most balanced cash back credit cards offers options for users who want both savings and rewards.
The Kotak Royale Signature Credit Card stands strong among the credit card with cashback offers that cater to travel, luxury, and shopping segments. It’s especially appealing for those who want to enjoy credit card offers with cash back benefits without compromising their lifestyle.
So, whether you’re comparing the highest cashback credit card or simply want to explore a new cash back cards India option, Kotak’s Royale Signature card deserves a spot on your shortlist.
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).
Trending Credit Cards In India July 2025
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