Choosing the right cashback debit card can make everyday spending more rewarding. Unlike credit cards, debit cashback options allow you to earn instant savings while using money directly from your account—making them a smart and safe choice. Many banks in India now offer cashback debit cards that give you returns on purchases like groceries, dining, fuel, and online shopping. With the rise of digital payments, having a debit card cashback benefit ensures you save while you spend, without worrying about interest charges. In this blog, we’ll explore the 5 best debit card cashback benefits in India, helping you compare features, rewards, and perks so you can pick the one that suits your lifestyle best.
Eligibility for Debit Cashback Cards in India August 2025
Cash back debit cards are a smart way to earn rewards on everyday spending. A cashback debit card lets you save money on groceries, bills, online shopping, and dining, giving you a percentage of your transaction back. With a debit card with cash back, you don’t just spend—you earn while spending. These cards are easy to use and ideal for anyone looking to make their money go further. In this blog, we explore the top 5 cash back debit cards in India for August 2025, their benefits, and eligibility, helping you choose the best one for your needs.
Eligibility Criteria | Details |
Age Criteria | Applicants must be at least 18 years old. |
Bank Account | Must have an active savings or current account with the issuing bank. |
KYC Compliance | Submit KYC documents like Aadhaar, PAN, or Passport. |
Income Requirements | Basic cards usually have no income requirement; premium cards may require minimum income. |
Other Requirements | Some banks may require a minimum balance and good account history. |
Top 5 Debit Cards with Maximum Cashback in India – 2025
HDFC Platinum Debit Card
Joining Fee: Nil Annual Fee: ₹850 + taxes
- 5% discount on Swiggy, 25% cashback on BookMyShow
- Cashback on international spends
- Cashback points on select spends up to ₹750/month
Premium Cashback
Axis Flipkart Debit Card
Joining Fee: ₹500 + GST Annual Fee: ₹500 + GST
- 5% cashback on Flipkart spends (up to ₹750 per month)
- 15% off at 10,000+ partner restaurants
- Personal & air accident insurance cover
Co-branded Cashback
Axis Prestige Debit Card
Joining Fee: Nil Annual Fee: Nil
- 3% cashback on travel bookings
- 2% cashback on select merchant categories
- Lifestyle and premium rewards
Premium Cashback
IndusInd Delights Debit Card
Joining Fee: Nil Annual Fee: Nil
- 5 IndusReward Points for every ₹100 spent on dining, fuel and entertainment
- Exclusive discounts on dining and entertainment
- Fuel benefits
Rewards & Offers
IndusInd Grandé World Debit Card
Joining Fee: Nil Annual Fee: Nil
- 5 IndusReward Points for every ₹200 spent on dining, entertainment, flights, hotels, and holiday bookings
- Premium privileges
- Lounge access and travel benefits
Rewards & Privileges
1. HDFC Platinum Debit Card
The HDFC Platinum Debit Card is a popular prestige debit card that helps you earn rewards on daily spending. Known as one of the best cash back debit cards in India, it allows users to enjoy cash back on debit card transactions for groceries, online shopping, bills, and dining. It’s a reliable choice for anyone seeking the best debit card experience.
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2. Axis Flipkart Debit Card
The Axis Flipkart Debit Card is designed for frequent online shoppers looking to earn rewards. As one of the top cashback debit cards, it offers attractive debit cashback on Flipkart and other partner transactions. With this card, you can enjoy cashback debit benefits on groceries, shopping, and bill payments, making it a convenient choice for everyday spending.
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3. Axis Prestige Debit Card
The Axis Prestige Debit Card is a premium card designed for users looking to maximize rewards and convenience. With attractive debit card cashback India offers, it lets you earn while spending on groceries, dining, and online shopping. Many compare it to HDFC Debit Card rewards when evaluating which debit card is best in India for cashback and benefits.
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4. IndusInd Delights Debit Card
The IndusInd Delights Debit Card is designed for customers who want to earn rewards on every transaction. As one of the top cash back debit cards, it offers attractive debit card cashback on groceries, dining, online shopping, and utility payments. With this cash back debit card, you can make your everyday spending more rewarding and enjoy hassle-free benefits.
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5. IndusInd Grandé World Debit Card
The IndusInd Grandé World Debit Card is a prestige debit card designed for premium users who want maximum rewards on their spending. Known as one of the best cash back debit cards in India, it allows you to earn debit card cashback India on groceries, online shopping, dining, and utility payments. This debit card with cash back is ideal for anyone seeking the best debit card for rewards and convenience.
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What cashback benefits does the HDFC Platinum Debit Card offer?
The HDFC Platinum Debit Card provides cashback on international spends, Swiggy, and BookMyShow transactions, making it a great option for debit card cashback HDFC users.
What are the key features of the HDFC Debit Card cashback program?
HDFC debit cards reward customers with cashback points on telecom, utilities, groceries, and essentials, capped monthly for convenient redemption, ideal for debit card cashback HDFC seekers.
Does the HDFC MoneyBack Debit Card offer lounge access?
Yes, the HDFC MoneyBack Debit Card includes complimentary lounge access benefits, enhancing travel comfort for cardholders interested in debit card cashback HDFC plus premium perks.
Which debit card is best in India for cashback rewards?
For cashback rewards, HDFC Platinum Debit Card and Axis Flipkart Debit Card are considered among the best debit cards in India, offering attractive cashback on popular spends and e-commerce.
What are the top 10 best debit cards in India?
The top 10 best debit cards in India include offerings from HDFC, Axis Bank, IndusInd, and SBI, focusing on cashback, rewards, and lifestyle benefits for diverse spending needs.
Which is the most expensive debit card in India?
The HDFC Platinum Debit Card is one of the most premium and expensive debit cards in India, featuring enhanced cashback offers and exclusive privileges for discerning customers.
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