Discover the best cashback credit cards in India, compare features, fees, and rewards, and learn how to choose the right card based on your spending habits and financial goals.
Cashback credit cards have become one of the most popular choices for Indian consumers who want to save money on everyday purchases. Whether you frequently shop online, dine out, or pay utility bills, the right cashback card can put money back into your pocket with every swipe.
In this guide, we break down the top cashback credit cards in India and explain how to choose the perfect one based on your lifestyle.
Best for: Online payments & bill payments
Key Benefits:
5% cashback on Google Pay bill payments
4% cashback on food delivery & online shopping partners
2% cashback on all other spends
Low annual fee
Why choose it?
Ideal for people who frequently pay bills and prefer digital transactions.
Best for: Millennials & online shoppers
Key Benefits:
5% cashback on popular platforms like Amazon, Flipkart, Zomato
Fuel surcharge waiver
SmartEMI conversion
Why choose it?
Great for heavy online shoppers who want value across multiple categories.
Best for: Highest flat cashback on online shopping
Key Benefits:
5% cashback on online purchases
1% cashback on offline spends
Zero merchant restrictions
Why choose it?
Perfect for those who prefer a simple, no-condition cashback structure.
Best for: Amazon shoppers & Prime members
Key Benefits:
Up to 5% cashback for Prime members
2–3% cashback on partner merchants
No annual fee
Why choose it?
Lives up to its name — unbeatable for regular Amazon users.
Best for: Flipkart & Myntra shoppers
Key Benefits:
5% cashback on Flipkart & Myntra
4% cashback on preferred merchants
Complimentary airport lounge access
Why choose it?
Best for fashion and gadget lovers who shop frequently on Flipkart.
Choosing the best card depends on your personal lifestyle and spending patterns. Here are key factors to consider:
Online shopping? → SBI Cashback / HDFC Millennia
Bill payments & UPI? → Axis ACE
Amazon-focused spending? → Amazon Pay ICICI
Check for:
Monthly cashback limits
Platform restrictions
Minimum transaction limits
Some cards offer first-year fee waivers or fee reversal on spending milestones.
Prefer cards where cashback is:
Automatically credited
Easy to track
Not tied to complicated point systems
Look for:
Airport lounge access
Fuel waivers
No-cost EMI options