Cashback Credit Cards in India – Get Money Back on Every Swipe
Looking to save money every time you shop, pay bills, or fuel up? Cashback credit cards are the smartest way to earn real cash returns on your daily spends. At CardMela.com, we bring you a carefully curated list of the best cashback credit cards in India — so you can shop smarter, spend wiser, and save more.
These cards offer flat cashback on online and offline purchases, dining, utility bill payments, fuel, recharges, and more — with no complex point redemption needed.
Why Choose a Cashback Credit Card?
Unlike traditional reward cards, cashback credit cards offer direct value in the form of cash savings. Here’s what makes them ideal for everyday use:
- Flat cashback credited directly to your statement or account
- Higher cashback on categories like shopping, groceries, fuel, dining, etc.
- No expiry or devaluation — cashback is real and usable
- Annual fee waivers on reaching minimum spend thresholds
- Simple and transparent reward structure
Whether you’re a frequent online shopper, a salaried employee, or a smart homemaker — cashback cards help reduce your effective spending across the board.
Top Cashback Credit Cards
AU Bank Zenith Credit Card
★★★★☆ (4/5)
*Waiver on spends over ₹50,000/year
Benefits:
Up to 5% Cashback
₹1,000 Welcome Bonus
₹500 Fuel Waiver/month
Lounge Access
Dining Discounts
₹999 Annual Fee (waived*)
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹999 Annual Fee (waived*), ₹500 Late Fee approx.
AU Bank Lit Credit Card
★★★★☆ (4/5)
*Best for users who want full control over their card benefits
Benefits:
Customize benefits as per your needs
Up to 5% Cashback on selected categories
Choose from Lounge Access, Fuel Waiver, OTT Subscriptions
Real-time benefit switching via AU 0101 App
₹49/month feature pack (only when used)
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
Zero Joining Fee, ₹49/month if feature pack activated, No hidden charges
AU Bank Altura Credit Card
★★★★☆ (4/5)
Best for cashback seekers and occasional travelers
Benefits:
5% Cashback on all spends (up to ₹3,000 per month)
₹1,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500 per month
Complimentary Airport Lounge Access (2 visits per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹20,000/month income
Recommended Credit Score 700+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee approx ₹500
HDFC Bank Millennia Credit Card
★★★★☆ (4/5)
*Ideal for online shoppers & frequent spenders
Benefits:
5% Cashback on Amazon, Flipkart, Swiggy, Zomato
1% Cashback on all other spends
8 Complimentary Lounge Access (per year)
₹1,000 Welcome Benefit
EMI & SmartBuy Offers
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Annual Fee (waived on ₹1L annual spend), ₹500 Late Payment Fee approx.
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
ICICI Bank Mine Goibibo Credit Card
★★★★☆ (4.3/5)
Best for frequent travelers aur Goibibo users
Benefits:
Goibibo par domestic flights par flat 6% instant discount (up to ₹800)
Goibibo par domestic hotels par flat 7% instant discount (up to ₹5,000)
Zomato, Swiggy, Amazon, PVR, BookMyShow, Myntra, MakeMyTrip, Ola, BigBasket par 5% cashback
Fuel surcharge waiver at HPCL pumps
Complimentary airport aur railway lounge access eligibility ke hisaab se
Eligibility:
Salaried ya self-employed professionals
Minimum monthly income ₹15,000
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L annual spend)
Axis Bank Ace Credit Card
★★★★☆ (4.3/5)
Ideal for cashback seekers and frequent online spenders
5% cashback on bill payments & recharges via Google Pay
4% cashback on Swiggy, Zomato & Ola
1.5% cashback on other spends
4 complimentary domestic lounge visits/year
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹499 Joining Fee (waived on ₹10,000 spend in 45 days), ₹499 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank Airtel Credit Card
★★★★☆ (4.2/5)
Ideal for Airtel users and utility bill payers
Benefits:
25% cashback on Airtel mobile, broadband & DTH payments
10% cashback on utility bill payments via Airtel Thanks app
1% cashback on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank Cashback Credit Card
★★★★☆ (4.0/5)
Ideal for online shoppers seeking cashback
Benefits:
5% cashback on online spends
1% cashback on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Joining Fee, ₹1,000 Annual Fee (waived on ₹4L spend/year), Late Fee ₹100–₹1,300
Axis Bank Flipkart Credit Card
★★★★☆ (4.5/5)
Ideal for Flipkart shoppers and online spenders
Benefits:
5% cashback on Flipkart & Myntra
4% cashback on Swiggy, Uber & PVR
1.5% cashback on other spends
4 complimentary lounge visits/year
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹3.5L spend/year), Late Fee ₹100–₹1,300
SBI Simply Click Credit Card
★★★★☆ (4.3/5)
Best for online shoppers seeking accelerated rewards on digital spends
Benefits:
10X Reward Points on online spends at partner merchants (Amazon, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Yatra, Apollo 24/7)
5X Reward Points on other online spends
1X Reward Point per ₹100 on offline spends
₹500 Amazon gift voucher on payment of joining fee
Cleartrip e-vouchers worth ₹2,000 on annual online spends of ₹1L and ₹2L
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
SBI Sprint Cashback Credit Card
★★★★☆ (4.0/5)
Ideal for moderate fuel spenders and online shoppers
Benefits:
10 Reward Points per ₹150 spent on Dining, Movies, Grocery, and Departmental Stores
1 Reward Point per ₹150 on other spends
2,000 bonus Reward Points on spending ₹2,000 within 60 days of issuance
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Contactless payments enabled
Reward Points redeemable against outstanding balance or a wide array of gifts
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining & Annual Fee (waived on ₹3.5L spend/year), Late Fee ₹100–₹1,300
SBI Forex Travel Credit Card
★★★★☆ (4.5/5)
Ideal for high online spenders seeking straightforward cashback rewards
Benefits:
5% cashback on all online spends (excluding specific categories)
1% cashback on offline spends
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Auto-credit of cashback within 2 days of statement generation
Contactless payments enabled
Worldwide acceptance at over 24 million outlets
Add-on cards available for family members above 18 years
Cash withdrawal from over 1 million VISA ATMs globally
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹999 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
YES Bank POP Club Credit Card
★★★★☆ (4.5/5)
Best for young shoppers and frequent UPI users
Benefits:
Earn 10 POPcoins per ₹100 online spends
2 POPcoins per ₹100 offline spends
5% extra POPcoins on UPI via POP app
Welcome gifts: 500 POPcoins, Zomato Gold, PharmEasy Plus, Cleartrip ₹750 voucher, Cult Sport ₹500 voucher, 24 free Rapido rides
1% fuel surcharge waiver and travel discounts
Eligibility:
Age 21–60 years, salaried or self-employed
Minimum monthly income ₹25,000 or annual ITR ₹5 lakh
Fees:
Joining fee ₹0
Annual fee ₹399 (waived on ₹1.5 lakh spends)
RBL Bank Shoprite Credit Card
★★★★☆ (4.2/5)
Best for regular Shoprite shoppers wanting cashback and discounts
Benefits:
5% cashback on shopping at Shoprite stores
10% discount on dining and entertainment
1% fuel surcharge waiver
Exclusive access to sales and offers
Contactless payment enabled
Eligibility:
Indian resident aged 21-60
Minimum annual income ₹3 lakhs
Fees:
Joining fee ₹499
Annual fee ₹499 waived on spending ₹50,000/year
Explore More, Spend Less – Your Ultimate Guide to the Best Travel Credit Cards in India
Planning your next trip? Whether it’s a weekend getaway within India or an international vacation, the right travel credit card can turn your journey into a rewarding exWho Should Apply for a Cashback Credit Card?
These cards are perfect for:
- Individuals who spend regularly on online/offline shopping
- Salaried professionals looking for monthly savings
- Families who want to cut expenses on groceries, fuel, and utilities
- Students or first-time cardholders who prefer simplicity
- Anyone looking for low-maintenance, high-value benefits
Important Things to Check
Before applying, make sure to compare:
- Cashback rates (flat vs category-based)
- Maximum monthly cashback cap (if any)
- Joining & Annual fees (and waiver conditions)
- Income eligibility and minimum credit score
- Hidden charges like late fee, forex fee, interest rate
CardMela.com gives you complete clarity so you’re never caught by surprise.
Combine Cashback with Travel or Fuel Benefits
Want to maximize your benefits? Pair your cashback card with a dedicated travel credit card or fuel credit card to enjoy broader savings.
For example:
- Use Axis Bank ACE Credit Card for 5% Google Pay cashback
- Combine with SBI BPCL Credit Card to save on fuel
- Use Amazon Pay ICICI Credit Card for online shopping and Amazon ecosystem rewards
Why CardMela.com?
CardMela is India’s trusted credit card discovery platform. Here’s what sets us apart:
- 100% unbiased credit card comparison
- Live tracking of latest offers and cashback deals
- Bank-direct application links
- Transparent terms and easy filters
- Helpful guides, blogs, and user reviews
We make sure you choose the right cashback credit card — not just the most advertised one.
Final Word
Cashback credit cards are no longer a luxury — they are a smart financial tool. Whether you’re spending ₹500 or ₹50,000 a month, a good cashback card ensures every transaction gives you something back.
So why wait? Scroll up, explore our top cashback cards, and apply directly through CardMela.com — your wallet will thank you.