Want to save more while spending? Then choose a cashback credit card because with the cashback credit card, you get some percent of your expenses back in the form of cashbacks. A cashback credit card is a type of card that allows you to save money on all your spending by giving cashback. Such types of cards are highly chosen by consumers because they not only provide cashback but also offer other benefits like reward points, discounts, hotel perks, entertainment benefits, and many more. Today, everybody wants the best cashback credit cards in India to enjoy their lifestyle with maximum benefits. Sometimes people are unable to take full advantage of this card since they are not entirely aware of its benefits. Therefore, Findcreditloan is here to assist you in being fully informed. We've compiled a list of the best cashback credit cards in India along with comprehensive details so you can pick the one that's just right for you.


Swiggy HDFC Bank Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Dining | Food

Reward Type

Cashback

Welcome Benefits

Complimentary 3-Month Swiggy One Membership


Flipkart Axis Bank Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Introductory Benefits Worth Rs. 600 on Card Issuance


Cashback SBI Credit Card

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping | Food

Reward Type

Cashback

Welcome Benefits

N/A


HDFC Bank Millennia Credit Card

Joining Fee

₹1,000 + GST

Renewal Fee

₹1,000 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

1,000 CashPoints


Airtel Axis Bank Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Food | Bill Payment

Reward Type

Cashback

Welcome Benefits

Amazon Voucher Worth Rs. 500


Amazon Pay ICICI Bank Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership


Axis Bank Cashback Credit Card

Joining Fee

₹1,000 + GST

Renewal Fee

₹1,000 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

5,000 EDGE Reward Points on Making the First Transaction Within 30 Days


Benefits of Cashback credit cards

The following benefits are offered to you if you use cashback credit cards:

  • Save instantly on all your expenses
  • Enjoy extra perks and benefits
  • Earn bonus cashback 
  • Best for everyday purchases
  • Easy redemption process

List of best Cashback Credit Cards in India

The following is a list of the best cashback credit cards in India that you could consider applying for:

Swiggy HDFC Bank Credit Card ⭐

  • Get 3 months of SwiggyOne membership for free
  • Receive 10% cashback on all Swiggy platform spends
  • In the event of losing your card, enjoy zero card loss liability 
  • Receive 5% cashback on all online purchases
  • Receive 1% cash back on other expenses
  • Complimentary 12 golf lessons yearly

Flipkart Axis Bank Credit Card ⭐

  • Receive 500 Rs worth of Flipkart vouchers on the first transaction
  • Get up to Rs 100 on the first Swiggy order
  • Get 4 domestic lounge access yearly
  • Amazing offers every Wednesday on shopping, travel, and other categories
  • Convert expenses of Rs 2500 or above into easy EMIs
  • Get up to Rs 500 on dining across India
  • Exempt annual fee by spending Rs 3,50,000 or more yearly
  • Receive 4% cashback on expenses with partnered brands
  • 5% cash back on purchases made on Flipkart and Cleartrip  

Cashback SBI Credit Card ⭐

  • Get 5% cashback on online expenses
  • Get 1% cash back on offline expenses
  • Waive off annual fee by spending 2,00,000 lakh or more annually
  • Get a 1% fuel surcharge across India on all petrol payments

HDFC Bank Millennia Credit Card ⭐

  • Welcome benefit of 1000 bonus CashPoints 
  • 5% CashBack on purchases at leading e-commerce brands like Amazon, BookMyShow, Myntra
  • 1% cash back on other categories
  • 50-days interest-free period
  • A maximum of 20% discount on dining via Swiggy Dine Out
  • Spend Rs.4 lakh or more annually and waive off annual fee. Additionally, receive gift vouchers also. 

Airtel Axis Credit Card ⭐

  • Achieve your first transaction within a month and get an Amazon gift voucher
  • Receive 25% cashback on making transactions on the Airtel Thanks app
  • Receive 10% cashback for utility bill payments on the Airtel Thanks app
  • Receive 10% cashback when you use partner apps to make purchases
  • Receive 1% cash back on other retail expenses
  • Receive up to 20% off on dining at partner restaurants across India
  • Get 4 domestic airport lounge access yearly
  • 1% fuel surcharge exemption
  • Waive off annual fee by spending Rs.2 lakh or more

Amazon Pay ICICI Bank Credit Card ⭐

  • Suitable for shopping
  • Lifetime free credit card
  • Amazon Prime members get 5% cash back on purchases
  • Non-Amazon Prime members get 3% cash back on purchases
  • 1% cashback on all offline and online transactions (except fuel)
  • 5% off on hotel and flight bookings
  • Get at least 15% off on selected restaurants' dining
  • 3 months of prime membership free upon joining
  • Cashback and discounts up to Rs.2000 as a welcome benefit

Axis Bank Cashback Credit Card ⭐

  • Get 5,000 EDGE Reward Points on the first transaction
  • Receive 7% cashback on online expenses
  • Receive 0.75% on offline and travel expenses
  • Receive 0.5% on utility bill payments
  • Get up to 20% off on dining monthly (minimum transaction should be Rs.2500)

Why you should select these cards

Credit Card NameReason to select
Swiggy HDFC Bank Credit CardEnjoy a feature-packed cashback credit card that enhances your everyday spending. This card ensures savings and security while adding value to your lifestyle.
Flipkart Axis Bank Credit CardEnjoy a rewarding credit card with exciting benefits for shopping, dining, and travel. Earn generous cashback on partnered brands. Best for online shoppers
Cashback SBI Credit CardA cashback credit card that rewards both online and offline spending. Earn higher cashback on digital transactions, along with additional savings, making this card a smart and cost-effective choice for everyday expenses.
HDFC Bank Millennia Credit CardEarn higher cashback on online shopping, along with additional rewards on other purchases, exciting cashback, and savings on popular e-commerce brands. 
Airtel Axis Credit CardEnjoy a feature-rich cashback credit card with exciting rewards on everyday spending, and generous cashback on Airtel Thanks app transactions. Perfect card if you want to maximize savings on all your expenses.
Amazon Pay ICICI Bank Credit CardA lifetime free credit card designed for shopping and savings. Amazon Prime members get higher cashback on purchases, while non-members also enjoy great rewards.  Earn cashback on all transactions, and enjoy welcome benefits making this card a perfect choice for smart shoppers.
Axis Bank Cashback Credit CardEarn generous cashback on online, offline, and travel expenses, and exclusive dining discounts every month. This card ensures great value on all your purchases while enhancing your lifestyle with special privileges.

Conclusion

Cashback credit cards provide extra bonuses and perks along with immediate savings on all purchases. They are perfect for regular purchases because they come with a hassle-free redemption method and additional cashback, which makes your purchase more economical and satisfying. Nevertheless, these advantages are only available to you if you have selected the appropriate cashback credit card. Examine your lifestyle and spending patterns before selecting the card that best suits your needs.

Frequently Asked Questions (FAQ)

How can I maximize cashback on my credit card?

If you want to maximize cashback then you have to spend more i.e, the more you spend, the more you’ll earn cashback. Also, if you to save more on your spending then start paying all your day-to-day expenses through your cashback credit card. 

Which is the best cashback credit card in India?

The list of top cashback credit cards in India is listed above. All of the credit cards on this list are great options for cashback, ranging from basic to premium. For you, though, the ideal card is the one that best suits your lifestyle and income.

Will my cashback expire if I don’t use it for a long period?

No, cashback earned via cashback credit cards does not have an expiration date or duration. Nonetheless, it is recommended to review the terms and conditions of the bank card that you're using. 

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