Best Cashback Credit Cards in India
Real money back on every spend — no points math, no redemption catalogues. The cards below credit cashback straight against your statement.
Millennia Credit Card
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Joining: ₹1,000 + taxes
Annual: ₹1,000 (waived on ₹1L annual spend)
5% cashback on Amazon, Flipkart, Swiggy, Zomato and more
Swiggy HDFC Bank Credit Card
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Joining: ₹500 + taxes
Annual: ₹500 (waived on ₹2L annual spend)
10% cashback on Swiggy (food, Instamart, Dineout)
Amazon Pay ICICI Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
5% back on Amazon for Prime members (3% non-Prime)
Flipkart Axis Bank Credit Card
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Joining: ₹500 + taxes
Annual: ₹500 (waived on ₹3.5L annual spend)
5% cashback on Flipkart and Cleartrip
ACE Credit Card
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Joining: ₹499 + taxes
Annual: ₹499 (waived on ₹2L annual spend)
5% cashback on bill payments & recharges via Google Pay
Cashback SBI Card
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Joining: ₹999 + taxes
Annual: ₹999 (waived on ₹2L annual spend)
5% cashback on ALL online spends — no merchant list to remember
AU Altura Credit Card
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Joining: ₹199 + taxes
Annual: ₹199 (waived on ₹20k quarterly spend)
2% cashback on grocery, departmental and utility spends (caps apply)
HSBC Live+ Credit Card
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Joining: ₹999 + taxes (often waived)
Annual: ₹999 (waived on ₹2L annual spend)
10% cashback on dining, food delivery and grocery (caps apply)
Not sure which cashback card fits best?
Tell us your number — an advisor calls back with the top 2–3 matches for your spending. No credit-score impact.