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.
Axis Bank My Wings Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹1200 + Tax
HDFC Bank Teacher’s Platinum Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
- Earn 500 reward points every year on Teacher’s Day (5th September)
- 2 reward points for every Rs. 150 spent on weekdays and 3X reward points on weekends
- Renewal fee waived on spending Rs. 50,000 in an anniversary year
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (max Rs. 250 per statement cycle)
- Up to 3 lifetime-free add-on credit cards
IndusInd Bank Samman RuPay Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹199 + Tax
RBL Bank Monthly Treats Credit Card
Joining Fee
₹100 + Tax
Renewal Fee
₹100 + Tax
- Monthly Fee: Rs. 75 (waived on Rs. 3,000 monthly spend).
- Cashback: 10% on groceries, dining, movies & utilities (after monthly spends).
- Reward Points: 2 RP on online spends, 1 RP on offline spends (fuel excluded).
- Fuel Benefit: 1% surcharge waiver on Rs. 500–4,000 spends.
- Best For: Regular grocery buyers, movie lovers, and online shoppers.
Bank of Baroda PRIME Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
500 reward points on spending a min. of Rs. 5,000 within 60 days of card issuance
- Guaranteed Issuance: Card issued against a fixed deposit of ₹15,000 or more without income proof.
- Cashback: Earn 1% cashback on every transaction.
- Fuel Benefit: Zero fuel surcharge on eligible fuel transactions.
- Fees: No joining or annual fee for the first year.
Patanjali RBL Bank Swarn Credit Card
Joining Fee
₹1499 + Tax
Renewal Fee
₹1499 + Tax
Patanjali RBL Bank Vishisht Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Axis ACE Cashback Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Airtel Axis Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Titan SBI Credit Card
Joining Fee
₹2999 + Tax
Renewal Fee
₹2999 + Tax
Welcome Benefits
Get 12,000 reward points worth Rs. 3,000 when you pay the joining fee.
- 12,000 Reward Points (Rs. 3,000 value) as welcome benefit on annual fee payment
- 3% value back on Tanishq purchases and 5% cashback on Mia, Caratlane, and Zoya
- Annual fee waiver on spending Rs. 3 lakh in a year
- Milestone benefits up to Rs. 15,000 on annual spends of Rs. 5 lakh and Rs. 10 lakh
- 8 complimentary domestic and 4 international airport lounge visits per year with Priority Pass membership
Swiggy HDFC Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
Complimentary 3 months Swiggy One membership on card activation.
- 10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
- 5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
- 1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
- Complimentary Swiggy One: 3-month membership on activation.
- Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
- Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
- Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
- Zero Lost Card Liability: Report lost card to avoid fraudulent charges.
Kotak Cashback+ Credit Card
Joining Fee
₹750 + Tax
Renewal Fee
₹750 + Tax
METRO Kotak Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Get up to Rs. 500 cashback on your first swipe within 30 days of card issuance. This is valid on the transaction value of Rs. 10,000 in a day.
- Cashback Offers: Earn cashback on bulk shopping at METRO Wholesale, both online and offline.
- Credit-Free Period: Enjoy up to 48 days without interest on purchases.
- Store Savings: Get 1% savings on purchases made in METRO stores.
- Welcome Benefit: Spend over Rs. 10,000 on your first swipe within 30 days of card issuance to get up to Rs. 500 cashback.
- Contactless Payments: RuPay contactless feature allows transactions up to Rs. 5,000 without a PIN, offering fast and secure payments.
IndusInd Platinum Aura Edge Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹0 + Tax
Welcome Benefits
Get vouchers from top brands like EaseMyTrip, Bath & Body Works, Ixigo, Domino’s, Marks & Spencer, Nykaa, MakeMyTrip, and more upon paying the joining fee.
- Choose your rewards plan: Shop, Home, Travel, or Party
- Earn up to 4 points per ₹100 on select spends; 0.5 points per ₹100 on others
- Redeem points for cash, KrisFlyer Miles, or “Pay with Points”
- Welcome vouchers from top brands like EaseMyTrip, Nykaa, Domino’s, MakeMyTrip
- 1% fuel surcharge waiver up to ₹100 per month on spends of ₹500–₹3,000
- Insurance cover for lost baggage, delayed baggage, lost ticket, missed connection, passport loss, and air accidents up to ₹25 lakh
- Lifetime free card with no joining or annual fee
Standard Chartered Manhattan Credit Card
Joining Fee
₹999 + Tax
Renewal Fee
₹999 + Tax
Welcome Benefits
Get 5,000 reward points* on payment of joining fee.
- 5% cashback on supermarket, grocery, and departmental store purchases
- 3 reward points per ₹150 on all other spends
- 5,000 welcome reward points on joining fee payment
- Annual fee ₹999, waived on spending ₹1,20,000/year
- Contactless card for faster checkout and secure payments
- Balance transfer and credit limit loan facility available