Best Cashback Credit Cards in 2025
Cashback credit cards give you a percentage of your spending back—either as a direct discount on your bill, credit to a linked wallet, or as points that can be redeemed at full value. Some cards offer higher cashback on specific categories or brands (usually between 1% and 10%), along with standard cashback on other spends.
The best cashback credit card for you depends on where you spend the most. If you often spend on dining, groceries, utility bills, or online shopping, choosing a card that rewards those categories will help you save more.
Here’s a list of the best cashback credit cards in India that offer great value on everyday expenses.
Cashback SBI Bank Credit Card
Joining Fee
₹999 + Tax
Renewal Fee
₹999 + Tax
Best
Suited For
Fuel | Cashback
Reward
Type
Cashback
Welcome Benefits
- No specific welcome gift
- Immediate cashback benefits start from day one of usage
- 5% cashback on all online spends (up to ₹10,000 cashback per month)
- 1% cashback on all offline and utility bill spends
- No merchant restrictions – works across all online platforms
- Cashback is automatically credited to your statement within 2 days of bill generation
- Renewal fee waiver on annual spends of ₹2 lakh
- Supports contactless payments for faster and safer transactions
HDFC MoneyBack Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Fuel | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
500 CashPoints on spending ₹5,000 within 90 days of card issuance
- 4 Reward Points on every ₹150 spent online
2 Reward Points on every ₹150 spent offline
Redeem rewards as cashback or gifts via SmartBuy
Milestone benefit: ₹500 voucher on ₹50,000 annual spend
Fuel surcharge waiver
Axis Neo Credit Card
Joining Fee
₹250 + Tax
Renewal Fee
₹250 + Tax
Best
Suited For
Shopping | Cashback | Reward Points
Reward
Type
Cashback
Welcome Benefits
Get 100% cashback up to ₹300 on your first utility bill payment within 30 days.
- ₹250 joining fee
- Exclusive partner offers on Amazon, Zomato, Blinkit, Myntra
- Free Zee5 subscription
- Axis Bank dining delights – 15% off on select restaurants
- 1% fuel surcharge waiver on spends between ₹400 and ₹4,000
Flipkart Axis Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Shopping | Dining | Cashback
Reward
Type
Reward Points
Welcome Benefits
Axis ACE Cashback Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Fuel | Cashback | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
Airtel Axis Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Fuel | Cashback | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
Axis Bank My Wings Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹1200 + Tax
Best
Suited For
Dining | Cashback | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
HDFC Business Regalia Credit Card
Joining Fee
₹2500 + Tax
Renewal Fee
₹2500 + Tax
Best
Suited For
Travel | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Swiggy HDFC Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Dining | Cashback | Co-branded
Reward
Type
Cashback
Welcome Benefits
HDFC Bank Easy EMI Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Fuel | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
IndianOil Kotak Bank Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Shopping | Fuel | Cashback
Reward
Type
Reward Points
Welcome Benefits
Kotak Bank PVR Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹999 + Tax
Best
Suited For
Fuel | Entertainment | Cashback
Reward
Type
Reward Points
Welcome Benefits
Myntra Kotak Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Shopping | Cashback | Reward Points
Reward
Type
Cashback
Welcome Benefits
Kotak Cashback+ Credit Card
Joining Fee
₹750 + Tax
Renewal Fee
₹750 + Tax
Best
Suited For
Fuel | Dining | Cashback
Reward
Type
Cashback
Welcome Benefits
IndusInd Bank Samman RuPay Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹199 + Tax
Best
Suited For
Travel | Fuel | Cashback
Reward
Type
Cashback
Welcome Benefits
RBL Bank Cookies Credit Card
Joining Fee
₹100 + Tax
Renewal Fee
₹100 + Tax
Best
Suited For
Shopping | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
RBL Bank BankBazaar SaveMax Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Patanjali RBL Bank Vishisht Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Shopping | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Standard Chartered Smart Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Cashback | Entry-Level
Reward
Type
Cashback
Welcome Benefits
Standard Chartered Manhattan Credit Card
Joining Fee
₹999 + Tax
Renewal Fee
₹999 + Tax
Best
Suited For
Fuel | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Bank of Baroda PRIME Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Fuel | Cashback | Lifetime free
Reward
Type
Cashback
Welcome Benefits
AU Bank LIT Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Fuel | Cashback | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
AU Bank Altura Credit Card
Joining Fee
₹199 + Tax
Renewal Fee
₹199 + Tax
Best
Suited For
Travel | Fuel | Cashback
Reward
Type
Reward Points
Welcome Benefits
AU Bank Altura Plus Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Travel | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
AU Bank Spont Credit Card
Joining Fee
₹299 + Tax
Renewal Fee
₹299 + Tax
Best
Suited For
Travel | Cashback | Airport Lounge Access
Reward
Type
Cashback
Welcome Benefits
AU Bank InstaPay Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Fuel | Dining | Cashback
Reward
Type
Cashback
Welcome Benefits
Canara Bank RuPay Select Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Cashback | Reward Points | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
Federal Bank RuPay Wave Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
IDFC FIRST Bank Millennia Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Entertainment | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Enjoy Rs. 500 welcome vouchers on spending Rs. 15,000 and 5% cashback on your first EMI within 90 days of card issuance.
- Earn 10X reward points on all spends made on your birthday
- Get 25% off on movie tickets (up to ₹100) once every month
- Avail up to 20% discount at 1,500+ partner restaurants across India
IDFC FIRST Bank Classic Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Entertainment | Cashback | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Gift voucher worth Rs. 500 and 5% cashback up to Rs. 1,000 on EMI transactions.
- Gift vouchers worth Rs. 500 on joining
- 5% cashback on first EMI transaction
- Lifetime-free credit card
- 6X reward points on online spends
- Low interest rates starting at 0.75% per month
IDFC FIRST Bank Wealth Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Cashback | Reward Points | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
Welcome benefits include Rs. 500 gift vouchers on Rs. 15,000 spend and 5% cashback (up to Rs. 1,000) on first EMI transaction within 90 days of card setup.
- Get 10X reward points on spends above Rs. 20,000 in a month and on your birthday
- Earn 3X reward points on spends up to Rs. 20,000 in a statement cycle
- Earn 1 reward point per Rs. 100 spent on all other transactions
IDFC FIRST EARN Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Dining | Cashback
Reward
Type
Reward Points
Welcome Benefits
Get 100% cashback (up to Rs. 500) on your first UPI spend and 5% cashback (up to Rs. 1,000) on your first EMI transaction.
- Secured digital credit card issued against an FD of just Rs. 5,000
- Cashback on all spends, including UPI transactions
- 1% cashback on UPI via IDFC FIRST app, 0.5% cashback on other spends
- Bonus cashback: Up to 8.5% on hotel bookings and 4.5% on flights via IDFC app
- EMI option available for UPI spends above Rs. 2,500
- Annual cashback benefit of up to Rs. 200 on UPI spends after fee payment