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.
Snapdeal BOB Credit Card
Joining Fee
₹249 + Tax
Renewal Fee
₹249 + Tax
HDFC Business Regalia Credit Card
Joining Fee
₹2500 + Tax
Renewal Fee
₹2500 + Tax
- Earn 4 reward points per ₹150 spent online (excludes fuel, EMI, wallet reloads).
- Bonus reward points on annual spends: 10,000 on ₹5L, 5,000 on ₹8L.
- Redeem points for cash credit, flights, or hotels.
- 5% cashback on essential business spends (capped at ₹500/month).
- Complimentary Priority Pass membership with 6 international & 12 domestic lounge visits.
- Low forex markup fee of 2%.
- Complimentary insurance: air accident, overseas hospitalization, flight delay, and missed connecting flight.
- 1% fuel surcharge waiver (max ₹500/month).
Kotak Bank PVR Platinum Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹999 + Tax
Welcome Benefits
No Joining Fee for the first year!
- Get 2 free PVR movie tickets every month on spending Rs. 10,000
- PVR Shield: Coverage up to Rs. 75,000 for lost or stolen cards
- Add-on card available with customizable spending limit
- Low annual fee of Rs. 999 and no joining fee
- 1% fuel surcharge waiver at all petrol pumps
- Easy redemption of movie tickets online via PVR website or app
SBI Reliance Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Welcome Benefits
₹500 Reliance Retail voucher on activation.
Extra discount vouchers worth ₹3,200 for use at selected Reliance stores.
- Can be redeemed only in general merchandise and fashion categories.
- Milestone benefits are based only on spends at participating Reliance Retail stores.
- Activation vouchers:
- Reliance Trends: Valid on apparel & footwear.
- Netmeds: Valid on online purchase of pharma/prescription products.
- No rewards on fuel, property rental, or wallet reload transactions.
- Fuel surcharge waiver applies to transactions between ₹500 and ₹4,000.
Standard Chartered Smart Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
- 2% cashback on online transactions (up to Rs. 1,000 per month)
- 1% cashback on offline transactions (up to Rs. 500 per month)
- Extended interest-free credit period of 90 days on retail spends
- Low-interest EMI facility: convert purchases above Rs. 2,000 into EMIs at 0.99% per month with zero processing fee
- Cashback redemption via the 360° Rewards portal, credited within 3 working days
- Inclusion of utility bills (Gas, Electricity, Water, Telecom) in cashback program
HDFC Bank Easy EMI Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Welcome Benefits
00 Cash Points (applicable only on payment of membership fee). Rs.1,000 worth gift vouchers on spends of Rs.1,00,000 and above in each calendar quarter, for the first year only.
- Cashback: 5% on select online spends, 2.5% on other online spends, 1% on offline/wallet.
- EasyEMI: Convert spends above Rs.10,000 into 9-month EMI.
- Welcome Benefit: 500 CashPoints + Rs.1,000 gift vouchers on spending Rs.1,00,000 per quarter (first year).
- Annual/Renewal Fee Waiver: Spend milestones (Rs.20,000 & Rs.50,000) waive fees.
- Fuel Surcharge Waiver: 1% on transactions of Rs.400–Rs.5,000.
- Redemption: CashPoints can be used against statement balance, flights, hotels, and rewards catalogue.