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List Of 11 Best Credit Cards For Cashback

Here is the list of the 11 best credit cards for cashback, along with their joining fee and annual renewal fee. Also, I will provide you the detailed information regarding each of these credit cards below the table. So, to get the complete info, keep reading this article until the end.

Best Credit Cards For Cashback	Joining Fee	Annual Renewal Fee
Amazon Pay ICICI Bank	0	0
Axis Ace Credit Card	Rs. 499	Rs. 499
Standard Chartered Smart Credit Card	Rs. 499	Rs. 499
Flipkart Axis Bank Credit Card	Rs. 500	Rs. 500
Myntra Kotak	Rs. 500	Rs. 500
Airtel Axis Bank Credit Card	Rs. 500	Rs. 500
Swiggy HDFC Bank Credit Card	Rs. 500	Rs. 500
Citi Bank Cashback Credit Card	Rs. 500	Rs. 500
Cashback SBI Card	Rs. 999	Rs. 999
HSBC Cashback Credit Card	Rs. 999	Rs. 999
HDFC Bank Millenia	Rs. 1000	Rs. 1000

Wanna know about How to Add Credit Card in Google Pay? Read our dedicated article on the same. 

Overview Of The Best Credit Cards For Cashback

Below, I will provide you with complete information regarding these cashback credit cards. Whether you shop online or at the grocery store, you can get cash back on your purchases with the appropriate credit card. Hence, to learn about the best credit cards for cashback in detail, scroll down to this article and read it thoroughly. 

1. Amazon Pay ICICI Bank

Imagine having a credit card that rewards you each time you make a payment and has no restrictions on how much fun you may have. Don't simply let your imagination go wild, though, because using your Amazon Pay ICICI Credit Card will earn you 1% on foreign transactions, 3% on Amazon if you're not a Prime member, and 5% on Amazon if you are a Prime member. This reward credit card is completely free for a lifetime. The co-branded Amazon Pay ICICI Credit Card provides the best rewards for your Amazon shopping. In addition to rewards, this credit card comes with dining incentives, a waiver of fuel surcharges, and no-cost EMI options. 

Special Benefits

• 5% reward for Prime members on Amazon

• 3% cashback for non-prime customers on Amazon

• 2% cashback at more than 100 partner retailers

• On every other transaction, receive 1% cashback.

• 1% of fuel surcharges are waived at all Indian petrol stations.

2. Axis Ace Credit Card

With the 2% flat-rate cashback offered by the Axis Bank Ace Credit Card, you can potentially receive considerable value back on all of your transactions. You'll like the Axis Bank Ace Credit Card if you frequently use Swiggy, Zomato, and Ola and would rather have cashback than incentives on your credit card! It provides 4% cashback on Swiggy, Zomato, and Ola and 5% cashback on bill payments. Not only that, but there's a small ₹499 membership charge, which is waived if you spend ₹10,000 or more within 45 days of the card's issue. Additionally, there is no cap on the total amount of cashback that may be earned, making it an excellent offer for customers who make purchases in all of these areas.

Special Benefits

• 5% reward when using Google Pay to pay bills and recharge

• 4% on Ola, Zomato, and Swiggy

• 2% back on every other purchase

• Four complimentary lounge visits annually at specific domestic airports

• All petrol stations will waive the 1% fuel fee.

• Save up to 20% at over 4,000 partner restaurants

3. Standard Chartered Smart Credit Card

You can earn 2% cashback for online purchases with the Standard Chartered Smart Credit Card and 1% cashback for all other purchases. This credit card comes with additional features, including EMI conversion, contactless payments, OTP verification, and more, in addition to an extended interest-free period of up to 90 days. The good news is that you may also use the flexible repayment option to secure a loan of up to Rs. 5 lakh against your Standard Chartered Smart Credit Card. All things considered, if you regularly shop online and are searching for a credit card with a low annual fee that provides respectable cashback on purchases made online, you should apply for this credit card.

Special Benefits

• 2% cashback on online purchases (up to Rs. 1,000 each month)

• 1% cashback on all other purchases (maximum of Rs. 500 per month)

• waiving renewal fees by investing Rs. 1.2 lakh every year

• Credit with no interest for a maximum of 90 days

• Purchases over Rs. 2,000 should be converted to EMIs

4. Flipkart Axis Bank Credit Card

Get cashback everywhere and on everything. You can save money quickly with the Flipkart Axis Bank Credit Card because it offers cashback on all purchases made, whether they are made online or offline. You can earn up to 5% cashback on Flipkart, 4% cashback on purchases made on Swiggy, Uber, PVR, Curefit, Cleartrip, Tata Sky, and Tata 1MG, and 1.5% cashback on all other merchants. This card delivers welcome perks vouchers in return for a minimal ₹500 yearly and registration charge. The Flipkart Card is more useful because its partner merchants are some of the most well-known in their respective categories. Therefore, if you're looking for a credit card to take advantage of deals and discounts when buying online across several categories. 

Special Benefits

• Up to 5% off at Flipkart

• 4% cashback when using preferred merchants to make purchases

• 1.5% lifetime cashback on Myntra and airfare and lodging purchases on Flipkart

• 1.5% cashback in all additional categories

• Four free domestic lounge trips per year

• Waiver of the 1% fuel cost up to Rs. 400 per month

• Benefits of welcome worth Rs. 1,100

5. Myntra Kotak

If you buy on Myntra frequently and want to receive rewards for your purchases, you might want to acquire the Myntra Kotak Credit Card. In addition to numerous other perks, this card offers you an automatic 7.5% discount on Myntra purchases, a Myntra gift card, 1.25% cashback on other purchases, free lounge access, and savings on cinema tickets. Additionally, the Myntra Kotak Credit Card gives 5% cashback on purchases made at a number of partner retailers, including BookMyShow, Swiggy, Zomato, and more. You may use this card to get discounts if you often purchase at these retailers. This card offers good cashback rewards and other features for a ₹500 annual fee.

Special Benefits

• Instant  7.5% off on every purchase made through the Myntra app and website

• 5% Reward on Selected Partners indefinitely

• 1.25% cashback on other purchases

• Free Myntra Insider Programme Access

• Receive Four Free Airport Lounge Visits Per Year

• Every month, get a 1% fuel fee waiver of up to ₹ 300.

6. Airtel Axis Bank Credit Card

The Airtel Axis Credit Card is a fantastic choice for Airtel users as it provides a 25% return on bill payments for DTH, internet, WiFi, and mobile sim recharges. Additionally, 10% cashback is offered on utility bills paid via the Airtel Thanks app and selected merchants. in addition to a limitless 1% cashback on other purchases. This credit card is among the best choices for anyone trying to cut costs on this category of expenditure because most credit cards do not include energy bill payments in their rewards programme. 

It's inexpensive and hassle-free because of its low yearly fee and the way the cashback is automatically added to the credit statement. The Axis ACE credit card, which gives cashback on utility bills paid via Google Pay, could be a better choice for you if you are not an Airtel client but are still hoping to receive cashback on bills.

Special Benefits

• 25% cashback via the Airtel Thanks app is available for bill payments for DTH, WiFi, broadband, and mobile services.

• 10% cashback via the Airtel Thanks app is available on Zomato, Swiggy, BigBasket, and utility bills.

• 1% cashback per transaction on other purchases

• 500 rupee Amazon e-voucher as a welcome or activation bonus

• Free entry to four domestic lounges annually

• 20% off at participating restaurants

Also, go through our aarticle on How to Add Card in Flipkart.

7. Swiggy HDFC Bank Credit Card

The Swiggy HDFC Bank Credit Card is appropriate for people who enjoy dining in restaurants or who often use Swiggy to purchase groceries, meals, and other everyday necessities online. With Swiggy and other online purchases made at premium brands, this co-branded credit card offers an expedited reward rate of up to 10%. The cashback may then be redeemed 1:1 against the amount of Swiggy Money. This makes the card a formidable rival to the ICICI and Flipkart credit cards, as well as an excellent option for co-branded perks and online shopping. Additionally, cardholders only pay a small yearly fee, which is further reduced upon attaining an annual purchase of merely Rs. 2 lakh.

Special Benefits

• 10% cashback on Swiggy Instamart, Dineout, Genie, and the Swiggy app for food ordering

• 5% reward on purchases made online at leading brands

• 1% cash back on purchases in other categories

• 3 months of Swiggy One membership upon card renewal and activation

8. Citi Bank Cashback Credit Card

A unique credit card that gives rewards on a variety of daily purchases is the Citi Rewards Credit Card. If you enjoy dining out and wish to save money on regular spending, the Citi Cashback Credit Card can be the best option for you. Joining and yearly fees are only ₹500, and you can receive a 5% return on cinema tickets and utility and phone bill payments. In addition, eligible restaurants will give you a 20% discount plus a 0.5% return on any other costs. Most importantly, your unredeemed cashback is refunded to your statement each month and never expires! 

Special Benefits

• 5% cashback with the Citibank Cashback Credit Card on any other purchases.

• A 20% reduction in eating bills is available at many participating eateries.

• Save up to 10% when using MakeMyTrip.

• A 15% rebate is available at duty-free shops.

• ₹3600 in savings throughout the first year.

9. Cashback SBI Card

Love shopping online? We have some exciting news to share with you! Get 5% cashback on all of your online purchases when you use the SBI Cashback Credit Card. When compared to other cashback credit cards available in the market, the SBI Cashback Credit Card gives the best reward percentage on online purchases. Not only that, but you'll also receive 1% cashback when you purchase in-store. The yearly and joining fees for the card are a mere ₹999. It is widely recognised and simple to use. Thus, you may significantly reduce your daily spending. This is odd because a lot of cards with large rewards typically only work with specific platforms. 

Special Benefits

• 1% reward exclusively on offline sales

• 5% cashback on online purchases

• Reversal of annual fees for spending Rs. 2 lakh in a year

• Free 1% fuel fee at all Indian gas stations

10. HSBC Cashback Credit Card

If you spend a lot of money on food-related categories and want to save money on all of your purchases, the HSBC Cashback Credit Card is a perfect choice. The cashback structure of this credit card is two tiers deep, with varying rates offered for various kinds of expenditures. It offers 1.5% unlimited cashback on all other costs and a 10% accelerated reward on dining, food delivery, and grocery purchases. Along with many other privileges, you may make use of four complimentary domestic lounges annually. There is a ₹999 yearly joining cost associated with the card. 

Special Benefits

• 4 complimentary airport lounge access.

• 1.5% cashback on every online purchase.

• 10% quick payback on all grocery, meal delivery, and dining purchases.

11. HDFC Bank Millenia

This card is appropriate for GenZs as well as Millennials! How? It provides 1% cashback on all other online and offline purchases in addition to 5% cashback on your preferred sites, including Amazon, BookMyShow, and Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato! The finest aspect? The ₹1,000 yearly and joining fees are eliminated if you spend ₹1,00,000 or more in a single year. Rich cashback is available from HDFC Millenia in a number of categories, including online shopping, travel, wallet filling, and other offline purchases. The only negative aspect of this card is that cashback is only available if you make more purchases in a given category than in a predetermined quantity. 

Special Benefits

• 5% cashback is available on Zomato, Uber, Flipkart, Myntra, Tata CLiQ, Swiggy, BookMyShow, Sony LIV, Amazon, and Cult.fit.

• 1% cashback on reloading wallets and offline purchases

• Cash Points will be accumulated as cashback.

• After spending Rs. 1 Lakh in a quarter, you can access four complimentary domestic lounges annually.

• When a person spends Rs. 1 lakh or more every calendar quarter, gift cards of Rs. 1,000 are given out.

• Up to 20% off at partner eateries by using Swiggy Dineout

Eligibility To Apply For Cashback Credit Cards

Cashback Credit Card Variant	Age Criteria
Amazon Pay ICICI Bank	18 To 60 Years
Axis Ace Credit Card	18 To 70 Years
Standard Chartered Smart Credit Card	18 To 65 Years
Flipkart Axis Bank Credit Card	18 To 70 Years
Myntra Kotak	18 To 65 Years
Airtel Axis Bank Credit Card	18 To 70 Years
Swiggy HDFC Bank Credit Card	21 To 60 Years
Citi Bank Cashback Credit Card	18 To 60 Years
Cashback SBI Card	21 To 70 Years
HSBC Cashback Credit Card	18 To 65 Years
HDFC Bank Millenia	21 To 40 Years

Final Words

This article was about the 11 Best Credit Cards For Cashback. How you intend to use the card will determine which card is best for cashback. In selecting any kind of credit card, it is crucial to know what you need because credit card perks are often focused on one or two certain areas. I hope you have received all the detailed information regarding this subject after reading this article. However, If you have any suggestions or queries regarding this topic, feel free to share them with us in our comment segment. 

Frequently Asked Questions

Q. What is the best card for cashback?

A. Axis Bank Ace Credit Card is among the finest entry-level cards for high total return, especially for those just starting their professions. It has a low annual fee.

Q. Is 5% cashback worth it?

A. A 5% cash-back credit card might be helpful if you want to maximise your benefits. These cards frequently include conventional interest rates and come with no yearly costs. But not everyone is a good fit for these revolving category cards. Many consumers don't want the inconvenience of trying to optimise their consumption, as it may be quite time-consuming.

Q. What is 100% cashback?

A. If you want to receive 100% cashback, you will be required to pay the entire amount upfront, and you will receive a wallet credit in the amount of 100% of what you originally paid.

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