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💰 Cashback Credit Cards 2025's Best

Get Up to 5% Cashback
on Every Purchase

Complete guide to 15+ best cashback credit cards from all major Indian banks - HDFC, SBI, ICICI, Axis, Kotak, IndusInd, Standard Chartered & more. Compare features, calculate exact earnings, and apply online in minutes!

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₹500
₹250
₹100
5% Back
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What are Cashback Credit Cards?

Cashback credit cards reward you with a percentage of your spending back as cash or points. Unlike reward points that can be complex to redeem, cashback is straightforward - you get real money back on your purchases, making these cards perfect for maximizing your everyday spending.

🎯

Key Benefits of Cashback Cards

  • Direct Cash Returns: Get 1% to 5% back on purchases as cash or statement credit
  • No Redemption Hassles: Unlike reward points, cashback is easy to understand and use
  • Category-Specific Rewards: Higher cashback rates on specific categories like online shopping, fuel, or bills
  • Lifetime Free Options: Many cards offer lifetime free membership with no annual fees
🏆

Top Cashback Categories

Online Shopping: Up to 5% Amazon/Flipkart: 3-5% Bill Payments: 2-5% Fuel Stations: 1-4% Groceries: 2-5%

💡 Pro Tips for Maximizing Cashback

Choose Based on Spending: Pick cards that reward your highest spending categories
Watch for Caps: Some cards have monthly/annual cashback limits - plan accordingly
Pay Full Balance: Interest charges can quickly outweigh cashback benefits
Check Eligibility: Ensure you meet income requirements for smooth approval

🏆 Complete Cashback Credit Cards Comparison

Compare 15+ cashback cards from all major Indian banks - HDFC, SBI, ICICI, Axis, Kotak, IndusInd, Standard Chartered, IDFC FIRST & more

Credit Card Annual Fee Max Cashback Best Category Min Income Rating

ICICI Amazon Pay Credit Card

ICICI Bank
Lifetime Free
FREE
5% Amazon Shopping
Lifetime Free Amazon Prime Benefits
₹25,000 /month
★★★★☆
4.4/5
(12,847)

SBI Cashback Credit Card

SBI Card
 ₹999
5% Online Shopping
5% Online Cashback No Monthly Cap
₹30,000 /month
★★★★☆
4.1/5
(8,934)

HDFC Bank Millennia Credit Card

HDFC Bank
 ₹1,000
5% Online & Digital
5% Online Cashback 2.5% PayTM/PayPal
₹25,000 /month
★★★★☆
4.3/5
(15,234)

HDFC MoneyBack+ Credit Card

HDFC Bank
 ₹500
5% Categories
5% Category Cashback ₹500 Annual Fee
₹25,000 /month
★★★★☆
4.2/5
(6,743)

Axis Bank ACE Credit Card

Axis Bank
 ₹499
5% Bill Payments
5% Bill Payment Cashback Google Pay Benefits
₹25,000 /month
★★★☆☆
3.9/5
(4,523)

Flipkart Axis Bank Credit Card

Axis Bank
 ₹500
5% Flipkart Shopping
5% Flipkart Cashback 4% Preferred Partners
₹25,000 /month
★★★★☆
4/5
(9,876)

Kotak 811 Credit Card

Kotak Mahindra Bank
Lifetime Free
FREE
1% First-time Users
Lifetime Free Digital First
₹20,000 /month
★★★☆☆
3.8/5
(5,432)

Standard Chartered Smart Credit Card

Standard Chartered Bank
 ₹999
5% Dining & Entertainment
5% Dining Cashback 5% Entertainment
₹30,000 /month
★★★★☆
4/5
(3,456)

IDFC FIRST Classic Credit Card

IDFC FIRST Bank
Lifetime Free
FREE
1.5% All-round Usage
Lifetime Free 1.5% All Spends
₹25,000 /month
★★★☆☆
3.9/5
(2,876)

IndusInd Bank Iconia Credit Card

IndusInd Bank
 ₹999
5% Online Shopping
5% Online Cashback 2% Offline
₹30,000 /month
★★★★☆
4.1/5
(4,321)

Yes Bank Cashback+ Credit Card

Yes Bank
 ₹750
5% Online & Dining
5% Online/Dining 1% Others
₹25,000 /month
★★★☆☆
3.7/5
(2,143)

AU Bank Cashback Credit Card

AU Small Finance Bank
 ₹499
5% Digital Payments
5% Digital Wallet 2% Online
₹25,000 /month
★★★☆☆
3.8/5
(1,876)

RBL Bank ShopRite Credit Card

RBL Bank
 ₹1,000
5% Department Stores
5% Department Stores 2% Online
₹30,000 /month
★★★☆☆
3.6/5
(1,543)

HSBC Cashback Credit Card

HSBC Bank
 ₹750
5% International Usage
5% Online Cashback 1.5% Others
₹35,000 /month
★★★☆☆
3.9/5
(2,987)

Federal Bank Signet Credit Card

Federal Bank
 ₹599
2% General Purpose
2% All Spends Fuel Benefits
₹25,000 /month
★★★☆☆
3.5/5
(1,234)

💡 Frequently Asked Questions

Get expert answers to all your cashback credit card questions

What is a cashback credit card and how does it work? 🤔

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A cashback credit card rewards you with a percentage of your spending back as cash. Unlike reward points that need conversion, cashback provides direct monetary benefits.

How it works: Spend ₹100 → Get ₹5 back (5% rate)
Credit methods: Statement credit, bank transfer, vouchers
Best for: People who prefer simple, transparent rewards

💡 Example:

You spend ₹20,000 monthly on an SBI Cashback Card (5% online). You earn ₹1,000 cashback monthly = ₹12,000 yearly!

Are there any cashback credit cards with no annual fee? 💳

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Yes! Several excellent cashback cards are available with lifetime free or waivable annual fees.

Lifetime Free: ICICI Amazon Pay, Kotak 811, IDFC FIRST Classic
Fee Waiver: HDFC MoneyBack (₹3K annual spends), Axis ACE (₹2L spends)
Best Value: Even ₹999 fee cards can save you thousands annually

Which cashback credit card gives the highest returns? 📈

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The highest cashback depends on your spending pattern, but here are the top performers:

Online Shopping: SBI Cashback Card - 5% unlimited
Amazon Shopping: ICICI Amazon Pay - 5% with Prime
Bill Payments: Axis ACE Card - 5% on utilities
All Categories: HDFC Millennia - 5% online, caps apply

💡 Pro Tip:

For ₹50,000 monthly online spending: SBI Cashback = ₹2,500/month vs others = ₹500-750/month with caps!

How is cashback credited and when can I use it? ⏰

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Cashback crediting varies by bank, but follows these general patterns:

Timing: 30-90 days after statement generation
Method: Statement credit (reduces your bill amount)
Minimum: Usually ₹100-500 minimum for redemption
Expiry: Most cashback doesn't expire, but check T&C

💡 Quick Access:

SBI and HDFC credit cashback within 30 days, while Axis and ICICI take 60-90 days typically.

What income and documents are needed for cashback cards? 📄

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Income requirements vary by card tier, but most cashback cards are accessible:

Entry Level: ₹20,000/month (Kotak 811, basic cards)
Mid Tier: ₹25,000/month (ICICI Amazon Pay, HDFC Millennia)
Premium: ₹30,000+/month (SBI Cashback, Standard Chartered)
Documents: Salary slips, bank statements, PAN, Aadhaar, Form 16

Can I get instant approval for cashback credit cards? ⚡

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Yes! Many banks offer instant or same-day approval for cashback cards:

Instant: ICICI Amazon Pay, Kotak 811 (existing customers)
Same Day: HDFC Millennia, MoneyBack (good credit score)
1-2 Days: Axis ACE, AU Bank, IndusInd
Requirements: Good credit score (750+), existing bank relationship

💡 Fastest Route:

Apply through your existing bank first - HDFC, ICICI, and SBI offer instant approvals to current customers!

Should I have multiple cashback cards or stick to one? 🤹

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A strategic mix of 2-3 cashback cards can maximize your rewards significantly:

Strategy 1: SBI Cashback (online) + ICICI Amazon Pay (Amazon) + Axis ACE (bills)
Strategy 2: HDFC Millennia (capped online) + IDFC Classic (general) + fuel card
Benefits: No category caps, higher overall returns
Caution: Track spending, avoid over-borrowing, maintain good credit utilization

💡 Example Combo:

₹30K online (SBI 5%) + ₹10K Amazon (ICICI 5%) + ₹5K bills (Axis 5%) = ₹2,000 monthly cashback vs ₹450 with single card!

Are there any restrictions or caps on cashback earnings? 🚫

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Yes, most cards have restrictions, but some offer unlimited cashback:

Unlimited: SBI Cashback (5% online), ICICI Amazon Pay (5% Amazon)
Monthly Caps: HDFC Millennia (₹750), MoneyBack (₹1000), Kotak 811 (₹1000)
Category Limits: Some cards limit cashback to specific merchant categories
Exclusions: Cash advances, EMIs, wallet loads often excluded

💡 Read Fine Print:

Always check T&C for excluded merchants, minimum transaction amounts, and monthly/yearly caps before applying!