Best Cashback Credit Cards in India: Cashback credit cards are one of the smartest financial tools for saving money on everyday spending.
Whether you shop online, pay utility bills, order food, or book travel tickets, cashback cards return a percentage of your spending directly to you. If used wisely, they can help you save thousands of rupees every year.
In this guide, we explore the best cashback credit cards in India, their benefits, and how to choose the right one for your lifestyle.
Popular Cashback Credit Card Providers in India
Several leading banks offer excellent cashback credit cards with competitive rewards and benefits:
- HDFC Bank – Known for premium cashback and shopping benefits
- ICICI Bank – Great for online spending and bill payments
- SBI Card – Popular for wide acceptance and reward programs
- Axis Bank – Attractive cashback on dining and lifestyle spending
- Kotak Mahindra Bank – Good for low annual fee cashback cards
Each bank offers multiple variants designed for different spending habits.
Before choosing a cashback credit card, consider these important features:
✔ Cashback Percentage
Look for cards offering higher cashback (1%–5%) on categories you spend the most on.
✔ Annual Fee
Some premium cards charge annual fees. Choose one where benefits outweigh the cost.
✔ Spending Categories
Many cards give bonus cashback on specific categories:
- Online shopping
- Grocery stores
- Fuel stations
- Utility bill payments
- Dining & food delivery
✔ Cashback Limit
Some cards cap monthly or yearly cashback earnings.
✔ Welcome Benefits
Many banks offer welcome bonuses, gift vouchers, or joining cashback.
HDFC Pixel Play Lifetime Free Credit Card
HDFC Pixel Play Lifetime Free Credit Card Benefits
- Annual Fees: ₹0
- Joining Fees: ₹0
- 1% Unlimited Cashback on other spends (UPI too, if RuPay variant)
- 1% Fuel Surcharge Waiver (₹400–₹5K range, max ₹250/month)
- 3% Cashback on your selected e-com platform (Amazon/Flipkart/PayZapp)
- 5% Cashback on 2 chosen merchant packs (Dining, Travel, Grocery, Fashion, Electronics) – up to ₹500/month/pack
- Dining Offers – Up to 25% off via Swiggy Dineout
Who Can Apply
- Indian residents aged 21 to 60 years (for salaried) or up to 65 years (for self-employed).
- Applicants must have a stable income and a good credit score (typically 700+ recommended).
- Should have a valid PAN card and address proof.
IDFC First Bank Lifetime Free Credit Card
IDFC First Bank Lifetime Free Credit Card Benefits
- Annual Fees: ₹0
- Joining Fees: ₹0
- Welcome benefits worth up to ₹1,500
- 10% Instant Discount on Flipkart Transactions
- 16 complimentary Railway lounge visits per year
- Up to 10X never expiring Reward Points, redeemable anywhere online.
- Discount offers between 25-75% on movie tickets every month on select variants
- Trip cancellation covers up to 2 claims up to ₹10,000 on hotel and flight bookigs.
Who Can Apply
- Any Indian resident who is 18 years of age or above
- Earns a minimum monthly income of Rs.25,000.
- The applicant must also ensure that he has a good credit bureau history and qualifies for all internal
SBI Simply Save Credit Card
SBI Simply Save Credit Card Benefits
- Annual Fees: ₹499
- Joining Fees: ₹499
- 10X Reward Points on dining, movies, grocery & departmental store spends
- ₹500 Cashback on spending ₹2,000 in the first 60 days
- 1 Reward Point per ₹150 spent on other purchases
- Annual Fee Reversal on spending ₹1,00,000 in a year
Who Can Apply
- Age should be above 21 years.
- Both salaried and self-employed can apply.
- Credit score should be above 700.