10+ Best cash back credit cards 2024/2024

best cash back credit cards: Mastercards that offer incredible cashback value are exceptionally attractive. Subsequently, in India, many banks have started offering cashback charge cards, a large proportion of which add cashback on select brands or classes. In this article, we bring you a list of the best cashback visas that you can decide about.

We hope to give you a fair view of the base, annual spend and the areas where you can avail the cashback to choose one. We will also talk with you about the benefits each card offers. Thus, let us go deeper to know more about the best cashback charge cards in India.

HDFC Bank MoneyBack Credit Card | Best Cash back Credit Cards

With HDFC Bank Moneyback Credit Cards, you can reap the reward focus in the form of cashback against your exceptional value.

The card is a welcome gift for everyone when applying for participation. You get reward focus in the form of a gift. Similarly, you can avail fuel waiver options and set aside cash on fuel purchases across India. Probably this card is touted as one of the best HDFC Mastercard for cashback.

Qualification:

• Candidate should be either salaried or should be employed independently
• Age limit for salaried candidate is 21-60 years
• Age Limit for Independent Working Candidate is 21-65 Years
• steady pay stream
• clean mastercard history

Rewards

• Web Based Shopping: 4 Points = Rs 150
• Others: 2 marks = Rs 150

Expenses and fees :

• Annual Expenses : Rs. 500
• Joining Expenses: Rs.500 (with reward of 500 award places)
• Loan Fee: 3.49% per month
• Restoration Fee: Rs.500 (after 2nd year)

Documentation

• KYC papers
• PAN card
• Payment Confirmation (eg: IT Return/Pay Slip/Structure 16)
• bank reports and papers
• photo

Features of HDFC Bank MoneyBack Credit Card

• For each Rs. 150 spent on web based purchases, you get 4 reward focuses
• Get an e-voucher of Rs. 50,000 in a quarter on spending Rs.500
• Set aside for Rs. 1800 every year, on fuel purchase from any station in India through Fuel Surcharge Waiver Office.

Benefits of HDFC Bank MoneyBack Credit Card

• 2X more focused on internet shopping
• The retrieved reward is concentrated for cash
• Rewards focus can be enhanced by web-based purchases
• 400, get 1% fuel surcharge discount on important fuel exchanges worth Rs.
• Benefit Let Loss Inadvertent Passing Protection up to Rs. 50 lakhs
• No risk on lost card

CITI Cashback Credit Card

If you are looking for the best cashback credit card in India, then CITI Cashback Credit Card is a great option for you.

It offers a huge amount of cashback and a host of other benefits. With this credit card, your shopping experience will surely increase manifold, as you will be able to avail various discount schemes. Worldwide, Citi Cashback cards will entitle you to avail discounts at various dine-ins.

Qualification:

• To apply for this card, you need to be an Indian citizen above 18 years of age.
• Applicant should have a good credit history with good score
• stable income is essential

Rewards:

• Online shopping: 4 points = Rs 150
• Others: 2 marks = Rs 150

Expenses and fees :

• Annual Fee: To be informed while applying for the card
• Joining Fee: Rs 500
• Renewal Fee: Rs.100

Documentation:

• passport size photograph of the applicant
• Proof of address including a copy of your Ration Card, Electricity Bill, Aadhar and Passport.
• Salary proof like IT documents, salary slip, Form 16
• PAN Card
• ID Proof like PAN Card, Driving License, Aadhar etc.

Features of CITI Cashback Credit Card :

• Designed for those who desire cashback rewards on every transaction made with the card
• You will get 5% off on every movie ticket
• You can earn 5% cashback on utility bill and telephone bill payments using this credit card.
• Get 0.5% Off On Other Transactions
• The cumulative of all the cashback earned will be credited to your account once the value of Rs.500 is reached and in multiples of Rs.500.
• Unredeemed cash back never expires

Benefits of CITI Cashback Credit Card

• You are entitled to several discount offers when shopping from stores partnered with CITI Bank.
• Worldwide, restaurants partnering with CITI Bank will offer you amazing discounts
• The Citi Cashback Card allows you to avail additional privileges on EMI options for various products from
• multiple electronics stores, shopping outlets, retail stores and even online shopping platforms.
• You are allowed to avail instant loan as per your requirement through CITI Cashback Credit Card

HDFC Bharat Cash Back Card

One of the best cash back credit cards in India on our list is the HDFC Bharat Cash Back Card. The more you spend with this card, the more you will be able to save.

You can get cashback on almost everything with this card, from groceries to fuel, even recharges. This is one of the best credit cards for cashback.

Qualification:

• Applicant must be salaried or self-employed
• For both self-employed and salaried applicants, the age limit is 21-60
• For salaried applicants, monthly income should be more than Rs 12,000
• 2 lakh per annum for self-employed applicants, the income tax return should exceed Rs.

Rewards:

• 1 reward point = Rs 1

Expenses and fees :

• Annual Fee: Rs. 500
• Joining Fee : Rs.500
• Interest Rate: 3.49% per month
• Renewal Fee: Rs.500
• Re-issuance fee: Rs.100

Documentation:

• ID Proof like PAN, Aadhar, Passport, Driving License
• Address proof including Ration Card, Aadhar Card and Passport
• Income proof which includes Form 16 and salary slips and even IT return documents.

Features of HDFC Bharat Cash Back Card

• You get 5% cash back on groceries, fuel purchases, bill payments, mobile recharge, ITCTC transactions
• Get 5% cashback when you spend on SmartBuy, EasyEMI and PayZapp
• Get complimentary accidental death insurance up to Rs. 5 lakh
• You will earn cashback points and later redeem it as cash.

Benefits of HDFC Bharat Cash Back Card

• On making fuel transactions using your card, you can enjoy a waiver of 1% fuel surcharge.
• You are subject to saving an amount of Rs. 3600 per annum, depending on the cashback availed from this card.
• By doing 4 monthly transactions of Rs 100 you can access Complimentary Accident Insurance Coverage.
• This includes death insurance up to Rs 1 lakh. 50 lakh and insurance against theft of any product worth Rs.2 lakh.
• If you lose your card, contact the bank immediately so that you are not charged with any fraudulent transactions.
• 500 is spending an amount of Rs. 50000 will waive off your renewal fee before the date of renewal.

Kotak Delight Platinum Credit Card

Kotak Delight Platinum Credit Card is recognized by our expert panel as one of the Best Cash back Credit Cards in India.

It lets you avail amazing cashback opportunities through lifestyle categories like food, travel, fuel, and many more. We consider this a great card for those who spend a lot on a lavish lifestyle.

Qualification:

• You need to be an Indian resident.
• age limit is 21-60
• The minimum age of the supplementary cardholder is 18 years.

Rewards:

• 10% cash-back on dining
• 10% cash-back on movies

Expenses and fees :

• Annual Fee: Rs 299
• Joining Fee : Rs. 1,999
• Interest Rate: 3.40% p.a.
• Renewal Fee: Rs 299

Documentation:

• ID proof in the form of KYC-PAN, salary slip or other bank credit statement etc.
• Your Photo
• address proof document
• You will be notified of any additional documents required when applying for a credit card.

Features of Kotak Delight Platinum Credit Card

• You can get a gift of 2 BookMyShow vouchers on the first card swipe
• Get 10% Off On Food
• Get 10% Off On Movies
• Maximum cashback per billing cycle Rs.600 for both entertainment and food transactions
• Cashback on meals can be availed by Visa only at restaurants recognized under the ‘Restaurant’ Merchant Category Code (MCC).
• If the transactions done through the card exceed Rs 10000 in a single billing cycle, you can avail up to 10% off on select movie tickets.

Benefits of Kotak Delight Platinum Credit Card

• With this card, you can waive off surcharges up to Rs 50,000. 4,500 every year. This discount is valid for transactions in the range of Rs. 400-Rs. 4000
• On transactions related to railway ticket booking, you can avail surcharge waiver of up to Rs. 500 per year.
• Surcharge waiver for Indian Railway booking counter is 2.5% and for Indian Railways website, it is 1.8%
• In case of loss or theft of the card, “Delight Shield” provides cover up to Rs.1.25 lakh. But you need to report the matter within 7 days to get this benefit.
• Every six months, you can opt to get either Rs 750 cashback or 4 complimentary tickets to PVR Cinemas if the card transaction exceeds Rs 1.25 lakh.
• Per year you get Rs. 1500 or 8 complimentary tickets of PVR.

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Axis Bank My Zone Credit Card

The My Zone credit card provided by Axis Bank is considered to be one of the best cash back credit cards in India. We have found that this card offers discounts on all the daily expenses made by the card.

You can also avail cashback on purchase of movie tickets, complimentary lounge access at airports, and fuel surcharge waiver. The interest rate of the card is 46.78% per annum.

The Axis Bank My Zone Credit Card is best suited for those looking for lifestyle benefits on their credit cards.

Qualification:

• The age of the cardholder should be between 18 to 70 years.
• The minimum age limit for the add-on card is 15 years.
• Applicant must be resident of India or NRI.

Rewards:

• On weekend purchases: Rs. 200 = 20 reward points
• On weekday purchases: Rs. 200 = 40 reward points
• Others: Rs. 200 = 4 reward points

Expenses and fees :

• Annual Fee: Rs.500 from 2nd year onwards
• Joining Fee : Rs. 500 (100 marks as joining benefit)
• Interest Rate: 46.78% p.a.
• Financial Fee: 3.90% per month

Documentation:

• PAN Card/Form 60 Photocopy
• color pictures
• Identity Proof: Passport, Driving License, Aadhar Card, PAN Card
• Income proof: IT returns a copy, latest payment slip, Form 16
• Your residential proof: Passport photocopy, Electricity bill, Ration card, Landline telephone bill.

Features of Axis Bank My Zone Credit Card

• Joining Fee Rs. If you total Rs. 500 discount can be given if you spend. 5000 within the first 45 days of credit card issuance.
• You can take advantage of instant reward points, special cashback offers and discounts when you use the card for weekend dining and shopping.
• You also get 25% cashback on booking movie tickets.
• When we use the card for online shopping for the first time, we are awarded 100 reward points.
• We have benefited from 10x more reward points on weekend dining at select hotels and restaurants.
• We get 5x more reward points when we shop at partnered stores on weekends.
• My Zone Credit Card is an EMV certified chip card secured by a PIN which provides more secure
• transactions than magnetic stripe cards, hence reducing the risk of skimming fraud.

Benefits of Axis Bank My Zone Credit Card

• You are rewarded with 4 complimentary free airport lounge visits within India per year.
• You can also avail 1% fuel surcharge waiver on fuel transactions done at all fuel stations across India. The discount holds for transactions between Rs. 400 to Rs. 4000. We get maximum Rs. 400 discount per billing cycle.
• Easy monthly installments are provided on purchases of more than Rs. 2500 by contacting the bank. The
• amount can be repaid over a period of 6, 9, 12, 18 or 24 months.

Induslnd Bank Iconia American Express Credit Card

If you are tired of paying annual charges for cash back credit cards, the Indusland Bank Iconia American Express Credit Card is the best cashback credit card with no annual fee.

The card is designed for users who spend more on weekends and are interested in a food and entertainment cashback card.

You will also get this card which offers comparatively lesser charges up to Rs. 3500 and onwards no annual fee.

You get reward points on credit card spends and then you can convert those points into real cash at 1:1 redemption rate. So we can say that American Express points never expire.

Qualification:

• For salaried individuals, their income should be at least Rs. 3, 60,000 per annum.
• For self-employed individuals, their income should be at least Rs. 4, 80,000 per annum.

Rewards:

• Expenses during the weekend: Rs. 100 = 2 reward points
• Expenses during working days: Rs. 100 = 1.5 reward points
• Expenditure on utility bill payment: Rs. 100 = 0.7 reward points

Expenses and fees :

• Annual Fee: Rs.499 (Discounted if you spend more than Rs.100000)
• Joining Fee : Rs. 499
• Renewal Fee: Rs.499
• Interest Rate: Monthly: 3.35%
• Renewal Fee: Rs.499

Documentation:

• Individuals must have PAN card, Aadhar card and a photograph for KYC.
• Voter ID, Driving License or Passport can be used for other address proof options if your communication address varies.
• Income Documents:
• For Salaried Individuals: Bank statement or salary slip of last 3 months.
• For Self-Employed Individuals: You need to show the latest copy of ITR or credit card details of some other banks.

Features of Induslnd Bank Iconia American Express Credit Card

• Cardholders can avail 1.5% cashback on all spending categories on weekdays and 2% cashback on weekends.
• On utilities and fuel, you will get only 0.7% cashback.
• The American Express card holds the lowest fee cash back credit card with no annual renewal fee.
• The Reward Points earned from spending through the card can be redeemed @ 1 point = Re 1 .

Benefits of Induslnd Bank Iconia American Express Credit Card

• With this card, you will benefit from 2 quarterly visits to domestic American Express airport lounges.
• Users can also avail travel insurance up to Rs. 225,000.
• You also get 3 free movie tickets monthly from BookMyShow; Receive an offer ticket with one purchase.
• If you live in Chennai you can get 4 free tickets monthly at Satyam Cinemas.
• Up to 20% off is available at Lemon Tree Hotel Properties.
• You can also play free golf games at selected locations.

SimplyCLICK SBI Credit Card

If you are a regular online buyer then SimplyClick SBI Card is a great online shopping credit card on websites like Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart, and UrbanClap. It provides additional rewards and benefits if you transact with the above shopping sites.

Minimum joining fee Rs. 499 is charged which can be waived on spending Rs. 1 lakh with the card, you can earn 10x reward points from online shopping and redeem those points in cash directly, hence this card is considered as one of the best direct cash back credit cards.

Qualification:

• The applicant must be a salaried individual or a self-employed individual.
• For salaried individuals, their income should be at least Rs. 20000 per month.
• For self-employed individuals, their income should be at least Rs. 30000 per month.

Rewards:

• Online Exclusive Partners (Amazon, BookMyShow, Cleartrip, Netmeds, Lenskart and UrbanClap): Rs. 100 = 10 reward points
• Vistara Airlines Booking: Rs. 100 = 9 reward points
• Hotel booking from Trident Hotels: Rs. 100 = 10 reward points
• Other Online Expenses : Rs. 100 = 5 reward points
• Expenditure on utility bill payment: Rs. 100 = 1 reward point

Expenses and fees :

• Annual Fee: Nil
• Annually: 46%
• Interest Rate: Monthly: 3.83%
• Joining Fee : Rs. 3500
• Reissue Fee: Rs.100
• Renewal Fee: Nil

Documentation:

• Identity Proof (PAN Card / Aadhar Card / Driver’s License / Passport / Voter ID)
• Address Proof (Aadhaar Card / Driver’s License / Passport / Ration Card / Property Registration Document)
• Income Proof (Latest Salary Slip / Latest Form / Latest 3 Months Bank Statement)
• Passport size photograph.

Features of SimplyCLICK SBI Card

• You will get Rs. A Welcome e-Gift Card of Rs. 500.
• When shopping from Amazon, the card offers a 2.50% reward rate, while it offers a 1.25% reward rate on other online spends and 0.25% on other spends.
• Users can get Rs. Each Cleartrip voucher on online spend of Rs.2000. 1 lakh or Rs. 2 lakh per annum.
• The Simple Click SBI Card is used across the globe with over 24 million outlets.
• In case of any emergency, you can call SBI Card customer helpline and 24-hour Mastercard/Visa global customer support services.
• The card also offers balance transfer from other bank balances to SimplyClick SBI Credit Cards at low interest rates.

Benefits of SimplyCLICK SBI Card

• At an expense of more than Rs. 500, we can avail 5% fuel surcharge waiver, but the maximum discount is limited to Rs. 100 monthly.
• First time users will get flat 40% off at UrbanClap.
• You can also use Ripple and do the payment facility at retail terminals if the transaction is less than Rs. 2000.
• With the FlexiPay option, cardholders can pay for big ticket purchases in convenient monthly installments.

Standard Chartered Ultimate Credit Card

Standard Chartered Ultimate Card is a member of the credit card family with the best reward rates in India. Although there may be a high annual fee, the reward rate offered will satisfy you.

If you are inclined towards a good lifestyle, travel a lot, and dine in classy restaurants, then having the Standard Chartered Ultimate Card is a must to enjoy the first class privileges in these mentioned categories.

Qualification:

• Applicant must be salaried or self-employed
• Minimum income for salaried applicants is Rs. 2,00,000 per month
• The minimum income for self-employed applicants is Rs. 24,00,000 per month

Rewards:

• 5 marks per Rs. 150 expenses;
• 1 mark = Rs. 1 cashback

Expenses and fees :

• Annual Fee: Rs. 5000
• Joining Fee : Rs. 5000
• Interest Rate: 3.10% per month
• Renewal Fee: Rs. 5000 (after 2nd year)

Documentation:

• ID Proof which includes PAN Card, Aadhar Card, Driving License, Passport, Voter Card, Overseas Citizen of
• India Card, Person of Indian Origin Card, Job Card issued by NREGA, Letter issued by UIDAI.
• Address proof should include Aadhar, Driving License, Passport, Utility Bill, Property Registration Letter,
• Bank Account Details, Ration Card. Additionally, Person of Indian Origin card and job card issued by NREGA may be asked for.
• Last 3 months bank statement along with latest salary slip and income proof in form 16.

Features of Standard Chartered Ultimate Card

• You can avail up to Rs. 10,000 cashback on MakeMyTrip within 90 days of card issuance
• Get 2% forex markup fee on overseas spending and 5% cashback on duty-free spending.
• Enjoy up to 25% off at 650+ top restaurants across India and get reservations through Concierge & Online
• Booking
• You can get access to 20 premium golf courses in India and over 100 golf courses across the world.

Benefits of Standard Chartered Ultimate Card

• You can enjoy a secure and fast payment option and go completely cashless with this card.
• You are allowed a loan of up to Rs 7,50,000 within 2 days on this credit card.
• You get a balance transfer option of up to ₹ 5,00,000 at a lower interest rate than other bank credit cards.
• Get access to over 1000 airport lounges globally with a complimentary Priority Pass membership

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IndusInd Bank Pioneer Legacy Credit Card

The IndusInd Bank Pioneer Legacy Credit Card is the card for you if you don’t want the hassle of paying annual fees under any circumstances.

This card is listed among the best cash back credit cards with no annual fee. The card brings you a wonderful welcome gift and you can avail huge offers and discounts at the largest luxury hotels across India.

The IndusInd Bank Pioneer Legacy Credit Card is unquestionably a world class contactless card brought to you by IndusInd Bank. Once you go through the rewards, you will realize why it is ranked among the best reward rate credit cards in India.

Qualification:

• The criteria to apply for IndusInd Bank Pioneer Legacy Credit Card is not explicitly declared by IndusInd Bank.
• You are expected to be informed when applying for the card
• Currently, IndusInd Bank Pioneer Cards are available only in Mumbai and Delhi-NCR

Rewards:

• 100 = 2 reward points spent on weekdays;
• 100 = 1.5 reward points spent on the weekend.

Documentation:

• To be informed at the time of application

Features of IndusInd Bank Pioneer Legacy Credit Card

• You can get amazing offers at the Oberoi chain of hotels
• You can access around 14 select international brands through Genesis Luxury Vouchers, and enjoy a luxury
• retail experience like never before.
• Get access to some world class golf courses and golf clubs across India, courtesy of IndusInd Bank.
• Buy 1 Get 1 and get 3 free tickets in a month at BookMyShow through IndusInd Bank Pioneer Legacy Credit Card transaction.
• If you are from Chennai, you can get 1 purchase 1 free for Satyam cinema and 4 free tickets in a month.

Benefits of IndusInd Bank Pioneer Legacy Credit Card

• Get great travel offers through card transactions
• With their complimentary Priority Pass, you can enjoy access to over 600 airport lounges around the world
• You will be offered the best pre-trip assistance and travel guide, and all your tickets, as well as the burden of hotel booking, will be handled by the concierge.
• Avail lost bag insurance, lost passport ticket and missed connection coverage up to Rs.1,00,000
• Fuel surcharge waiver available for transactions in the range of Rs 400 to Rs 4000
• Secure online and e-commerce transactions

YES Prosperity Cashback Credit Card

The Yes Prosperity Cashback Credit Card is considered by our team to be one of the best reward cash back credit cards available in the market. If you want a hassle free experience while applying for a credit card then this is the perfect card for you.

The card charges zero processing fee and no documents are required while applying. Undoubtedly such features make it one of the best cash back credit cards in India.

Qualification:

• The card applicant should have a minimum income of Rs 5.5 lakh per annum
• The age limit to apply is 21-60 years
• Applicant must be either self-employed or salaried

Rewards:

• 5 marks per Rs. 150 expenses;
• 1 mark = Rs. 1 cashback

Expenses and fees :

• Annual Fee : Rs. 1000
• Joining Fee : Rs. 1000

interest rates

• Between 12% to 15% p.a.
• 5% per month for revolving credit, overdue amounts and cash advances

Documentation:

Yes Bank allows zero documentation policy for this credit card.

Features of YES Prosperity Cashback Credit Card

• zero processing fee
• Get cash back on every retail transaction
• Repayment options are kept flexible for you
• Get 5% cashback on utility bills, grocery shopping, movie tickets and more
• You will be entitled to a cashback of 0.75% to 5% depending on the type of expenditure.
• If you opt for revolving credit, you are allowed to avail special interest rates ranging from 4% per month to
• 3.22% per month.

Benefits of YES Prosperity Cashback Credit Card

• You can pay off expensive purchases through EMIs, within a tenure of 3 months to 2 years
• Enjoy special markup of 3.4% on Forex
• Fuel surcharge will be waived by a certain percentage by using this credit card on fuel purchases
• As a welcome gift, you are entitled to get a cashback of Rs. 250, if you are able to successfully spend Rs.
• 2500 from your card within the first 30 days of card issuance
• You can get discounts and attractive offers on travel, dining and shopping in select Indian cities

FAQ – best cash back credit cards

Q1. How do you get cash back from different credit cards?

1. The pattern of getting cashback varies from card to card.
2. Cards exist that allow you to collect points on purchases, which can then be redeemed as cash.
3. There are also many direct best cash back credit cards that offer you discounted notice cashbacks that are deposited directly into your bank account.

Q2. Which credit card can be considered as one of the best reward cash back credit cards?

1. Many best cash back credit cards will overwhelm you with their reward rates.
2. We have listed some of them in this article for your reference.
3. For more details, you can search Best Rewards Credit Card India on an internet search platform.

Q3. What should be my eligibility to apply for the cashback card?

1. The eligibility criteria are different for each bank’s credit card.
2. But of course, there are some general criteria for every cashback card.
3. These include the applicant’s age and the applicant’s work status. As an applicant, you must be above 18
4. years of age and must be self-employed or salaried.
5. Getting a credit card requires a steady income.

Q4. What do you understand by annual fee? Can it be forgiven?

1. As the name suggests, the annual fee for the card is the annual fee charged by the bank for your credit card.
2. This fee varies from card to card.
3. Some cards have an option to waive the annual fee under certain agreements.
4. Some cards are also available at no annual fee.
5. It’s just the joining fee you have to pay and you’re done.

Q5. On what basis is my credit limit determined?

1. Card members limits and cash withdrawal limits are entirely determined by the potential card issuer, based on your profile, repayment capacity and credit report by CIBIL and several other conditions.
2. You will be informed of the limit at the time of card delivery and will also be printed on the card license agreement.

Q6. Can my credit limit be increased later?

1. Yes, it is possible for you to increase your credit limit.
2. For that, you have to issue a request to the card issuing department.
3. You may be asked for income proof documents, after verification of which, your request can be accepted.
4. Note here that, it is the sole discretion of the Bank to allow credit enhancement based on your documents.