Cashback Rewards Credit Cards – Get More From Every Rupee You Spend
Maximise Every Transaction with India’s Best Cashback Cards
Why pay full price when you can get rewarded for spending smart? CardMela.com brings you the most popular and highly rewarding cashback credit cards that help you earn while you spend — whether it’s groceries, fuel, dining, or online shopping.
These handpicked cards are not just about one-time welcome offers — they deliver ongoing value through high cashback rates, low fees, and flexible redemption options.
From online shoppers to daily commuters, these cards are ideal for smart spenders who love saving money while enjoying premium features.
Enjoy real cashback benefits like:
- Flat or accelerated cashback on categories like online shopping, food delivery, travel, and fuel
- Spend-based annual fee waivers to make sure you’re not paying unnecessarily
- Exclusive discounts on partner merchants, OTTs, and more
- Instant cashback credited directly to your statement in most cards
- Contactless, UPI-enabled, and EMI-compatible options for seamless usage
Top Picks in Cashback Credit Cards include:
- Axis Ace Credit Card – 5% cashback on Google Pay bills and recharges
- HDFC Millennia – Cashback on Amazon, Flipkart, Swiggy & more
- SBI Cashback Card – Flat 5% cashback on online spends, no capping
- HSBC Cashback Credit Card – Global cashback benefits with 1.5%
Whether you’re looking to cut down your monthly expenses or earn more from every purchase, these cashback cards give you the best bang for your buck — trusted, tested, and totally worth it.arison tool to check features, annual fees, eligibility, and apply for your favourite card today — only on CardMela.com.
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
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
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.
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
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
Most Cashback. Most Value. Most Loved.
Still figuring out which cashback card suits you best? Start with the ones that give maximum value on everyday spending — handpicked by CardMela users for their high returns, smooth usability, and unmatched affordability.
This page features the most frequently applied cashback credit cards on CardMela — chosen for their real savings, rewarding spends, and consistently user-friendly benefits.
Why These Cashback Cards Stand Out
Everyday Cashback Benefits
Flat or category-based cashback on groceries, food delivery, recharges, fuel, and more.
High Approval Rates
These cards are popular not just for savings, but also for their easy eligibility and fast approvals.
Best Value for Money
Low or no annual fee, spend-based waivers, and ongoing cashback without complicated terms.
No-Nonsense Terms
Clear reward structures, no hidden fees, and direct cashback to your statement in most cases.
Who Chooses These Cashback Cards?
Smart online shoppers looking to save big on Flipkart, Amazon, Swiggy, Zomato
First-time card users who want instant value and simple benefits
Families aiming to cut down everyday spending via groceries, utilities, and fuel
Salaried professionals and freelancers who spend across categories
Mobile-first users looking for cards compatible with UPI, tap-to-pay, and EMIs
Find Your Cashback Match Today
CardMela helps you compare India’s top cashback credit cards — side-by-side, with filters that matter to you. No complicated jargon. No hidden conditions. Just smart options to help you save more.
It pays to be smart.
Explore cashback favorites. Save every day. Apply in minute