Best Cashback Credit Cards in India

Key Advantages

• ✓ Zero annual fee, genuinely lifetime free
• ✓ 5% cashback on Amazon for Prime members
• ✓ Up to ₹2,000 Amazon Pay balance + EazyDiner & Ixigo vouchers on joining
• ✓ 2% cashback on 100+ Amazon Pay partner merchants
• ✓ Cashback credited directly to Amazon Pay balance, with no minimum redemption threshold

Key Advantages

• ✓ 5% cashback across 10 popular online platforms
• ✓ Covers Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow & more
• ✓ 2.5% cashback on all other online transactions
• ✓ 1 domestic lounge visit (or ₹1,000 gift voucher) per quarter on ₹1L spend
• ✓ Straightforward cashback, credited directly as statement credit

Key Advantages

• ✓ No annual fee, genuinely lifetime free
• ✓ Simple flat 2 PAYBACK points on every ₹100 spend
• ✓ 25% dining discount at 2,500+ Culinary Partner restaurants
• ✓ Contactless chip card with enhanced security
• ✓ Easy approval, ideal for credit beginners

Key Advantages

• ✓ 5% cashback on Google Pay, among the highest UPI cashback rates available
• ✓ 3% on utility bills: electricity, water, gas, and phone payments
• ✓ One of the lowest regular APRs at 2.99%/month
• ✓ Low ₹499 annual fee (waived on ₹1.5 Lakh spend)
• ✓ 4 complimentary domestic airport lounge visits/year

Key Advantages

• ✓ 5% cashback on mobile recharges, electricity, internet and other utilities via Google Pay
• ✓ 4% cashback on Swiggy, Zomato and Ola
• ✓ 4 complimentary domestic lounge visits per year across India

Key Advantages

• ✓ Up to 5% cashback on online shopping
• ✓ Up to 6% back on travel bookings made through the IDFC FIRST app
• ✓ Fee waived on ₹2 lakh in annual spend, an achievable bar

Key Advantages

• ✓ 10% cashback on dining, food delivery, grocery, shopping & utility spends
• ✓ Unlimited 1.5% cashback on all other eligible retail spends
• ✓ Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
• ✓ Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users

Key Advantages

• ✓ Up to 7% cashback on monthly online spends above ₹40,000
• ✓ Welcome bonus offsets the first-year fee
• ✓ 25% discount on dining bills via EazyDiner
• ✓ Unlimited 0.75% cashback on offline and travel spends

Key Advantages

• ✓ 10% cashback on dining, groceries and food delivery
• ✓ 1% cashback on UPI payments via the RuPay network
• ✓ Zero foreign exchange transaction markup fees until 30 June 2026
• ✓ Cashback credited directly to your statement, no point conversion needed
• ✓ Fee waived on ₹2 lakh in annual spend

Key Advantages

• ✓ Flat 5% cashback on eligible online purchases across e-commerce platforms
• ✓ 1% cashback on offline retail transactions
• ✓ Auto-credited statement balance cashback without manual redemption steps or fees
• ✓ Generous monthly cashback cap of up to ₹4,000 per statement cycle
• ✓ Annual renewal fee waived on reaching ₹2 Lakh in annual spends

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and annual fees
• ✓ Earn up to 5% cashback on all eligible UPI transactions
• ✓ Native RuPay credit card integration directly linked to Kiwi UPI App
• ✓ Direct cashback redemption as statement credit balance (1 Kiwi = ₹0.25)
• ✓ Domestic airport lounge access available via Neon spend milestones

Key Advantages

• ✓ Lifetime free credit card with ₹0 joining fee and ₹0 annual fee
• ✓ 5X reward points on spending above ₹4,000,000 milestone
• ✓ 1% fuel surcharge waiver across all fuel pumps
• ✓ Complimentary Amazon gift voucher welcome benefit

Key Advantages

• ✓ Link card to BHIM, Google Pay, PhonePe, Paytm for RuPay UPI merchant QR payments
• ✓ 1.5% cashback on all UPI merchant transactions and online shopping
• ✓ ₹500 welcome cashback on initial UPI transactions
• ✓ Achievable annual fee waiver threshold of ₹1 Lakh

Key Advantages

• ✓ ₹500 welcome gift card that offsets the year-one fee
• ✓ Yatra voucher worth ₹3,000 on ₹3 Lakh annual spends
• ✓ Reward points redeem 1:1 for cashback or vouchers
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ ₹1,500 PhonePe gift voucher on joining fee payment, more than offsetting the fee
• ✓ 4 domestic lounge visits/year with no minimum spend condition
• ✓ Complimentary Priority Pass membership for the first 2 years
• ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Key Advantages

• ✓ RuPay variant links directly to UPI for credit-on-UPI payments
• ✓ Stars redeem 1:1 for cashback, avoiding confusing point-conversion math
• ✓ Up to ₹18,000 in annual rewards achievable on regular spends
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ 10% cashback (up to ₹300/month/brand) on Myntra, Uber & Zomato
• ✓ ₹1,000 welcome voucher redeemable at Croma, Amazon, Myntra & Flipkart
• ✓ 10% BookMyShow discount, up to ₹300/month
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ 5% cashback on food delivery, entertainment & groceries
• ✓ 3% cashback on fuel spends
• ✓ Unlimited 0.5% cashback on all other eligible purchases
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ Flat 3% Reward Points on every spend, domestic and international
• ✓ Lifetime free virtual RuPay card usable for UPI and QR payments
• ✓ Reward points redeemable across the Kotak Rewards catalogue
• ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Key Advantages

• ✓ 2 Reward Points per ₹100 on online spends
• ✓ 1% fuel surcharge waiver, capped at ₹3,500/year
• ✓ Fully digital card issuance, no branch visit needed
• ✓ Fee waiver threshold (Lifetime free digital card)

Key Advantages

• ✓ 2% cashback on all online spends, capped at ₹1,000/month
• ✓ Low-interest EMI conversion at 0.99%/month with zero processing fee
• ✓ Up to 90 days interest-free period
• ✓ Fee waiver threshold (Annual fee waived on ₹1.2 Lakh annual retail spends)

Key Advantages

• ✓ 5% cashback on supermarket, grocery & department store purchases
• ✓ 5,000 Reward Points welcome bonus on joining
• ✓ 3 Reward Points per ₹150 on other retail categories
• ✓ Fee waiver threshold (Annual fee waived on ₹1.2 Lakh annual retail spends)

Key Advantages

• ✓ 20% off at Myntra, up to ₹700, once a month
• ✓ 10% off at Zomato, up to ₹150/transaction, 5 times a month
• ✓ Up to 25% off on Yatra flight and hotel bookings
• ✓ Fee waiver threshold (Monthly fee waived on ₹5,000 monthly retail spend)

Key Advantages

• ✓ 10X Membership Rewards Points on Flipkart & Uber, 5X on Amazon
• ✓ Also earns 10X points on Zomato, EaseMyTrip, Myntra, PVR, BookMyShow, Ajio, Nykaa & BlinkIt
• ✓ Low ₹495 fee with an easily reachable ₹40,000 waiver threshold
• ✓ Fee waiver threshold (Annual fee waived on ₹40,000 annual retail spends)

Key Advantages

• ✓ 2% flat cashback on all spends, including UPI transactions
• ✓ "Slice in 3" splits eligible spends of ₹2,000+ into 3 interest-free EMIs
• ✓ Instant digital approval and onboarding in many cases
• ✓ Fee waiver threshold (Lifetime free credit card)

Key Advantages

• ✓ 10% cashback on online shopping across Amazon, Flipkart, Myntra, Ajio & Nykaa
• ✓ 5% cashback on online travel bookings
• ✓ 1 domestic lounge visit/quarter on ₹90,000 prior-quarter spend
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ Up to 10% value back on Tata Neu, BigBasket, Croma, and other Tata brand purchases
• ✓ Welcome bonus fully offsets the first-year joining fee
• ✓ 1.5% value back on day-to-day UPI transactions via RuPay variant
• ✓ 2 domestic + 1 international lounge visit per quarter, on ₹50,000 spend in the preceding quarter
• ✓ Low foreign currency markup fee of 2%

Key Advantages

• ✓ High 10% cashback on PhonePe app utility, recharge & travel bookings
• ✓ 8 complimentary domestic airport lounge visits/year (2 per quarter, on ₹75,000 quarterly spend)
• ✓ 1.5% uncapped cashback on all other online spends
• ✓ Joining fee fully offset by welcome cashback vouchers

Key Advantages

• ✓ 5% cashback on PhonePe bill payments, recharges, and in-app transactions
• ✓ 1.5% cashback on general online shopping
• ✓ Affordable ₹499 annual fee with fee waiver on ₹1 Lakh spend
• ✓ 1% fuel surcharge waiver across all fuel stations

Key Advantages

• ✓ Earn CashPoints on both regular and UPI payments made via BHIM, Paytm, PhonePe, Google Pay, etc.
• ✓ 3% CashPoints on grocery, supermarket, dining, and PayZapp spends
• ✓ 2% CashPoints on utility payments
• ✓ Issued digitally as a virtual card without physical card maintenance hassles
• ✓ Low annual fee of ₹99 with easily reachable spend waiver of ₹25,000

Key Advantages

• ✓ 10X rewards on Amazon
• ✓ ₹500 Amazon Gift Card as welcome bonus
• ✓ 5X on all other online spends
• ✓ Annual fee waived on just ₹1 Lakh annual online spend
• ✓ ₹2,000 Cleartrip e-voucher milestone on ₹1 Lakh annual online spends

Key Advantages

• ✓ Customizable 5% cashback on 2 key merchants of your choice (Amazon, Flipkart, Zomato, Swiggy, Blinkit)
• ✓ 3% cashback on 1 dining or entertainment category of choice
• ✓ 1% uncapped cashback on all other retail spending
• ✓ 100% digital card issuance and control via HDFC PayZapp app

Key Advantages

• ✓ 10X CashPoints on major online merchants (Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart)
• ✓ 5X CashPoints on EMI purchases
• ✓ Quarterly gift voucher of ₹500 on ₹50,000 quarterly spend
• ✓ Achievable annual fee waiver threshold of ₹50,000