Best cashback cards

3%-5% cashback on Amazon India :
– Amazon Prime members : Earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on spending
– All Others : Earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on spending
– Important exceptions : 2% cashback – on digitally fulfilled categories like Amazon Pay wallet loads, flight bookings, bill payments, recharges, Ebooks , Amazon Pay Gift Cards. No cashback – on fuel spends, jewellery purchases, EMI purchases including purchases which are converted to EMI later, Amazon business transactions.

2% cashback on 100+ Amazon Pay partners : Earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants – no monthly limit on spending.  Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc

1 % cashback on all other spends : Earn ₹1 on every ₹100 you spend on all other purchases

1% fuel surcharge waiver : Fuel surcharge waiver at all fuel stations , on all fuel transactions upto ₹4,000

Welcome benefits (limited time offer) through Amazon account –
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1,500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

5% cashback on Flipkart : Earn ₹5 on every ₹100 you spend on Flipkart. There is no limit on the spending amount, to earn these rewards.

4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Tata Play || Cult Fit : Earn ₹4 on every ₹100 you spend on these preferred merchants. There is no limit on the spending amount, to earn these rewards.

1.50% cashback on all other spends

Airport lounge access in India : Complementary domestic airport lounge access – upto 4 times per year

1% fuel surcharge waiver : Fuel surcharge waiver is applicable at all fuel stations on :
– Only on fuel transactions between ₹400 and ₹4,000 only AND
– Only on upto fuel purchases of ₹40,000 per month (since benefit is capped at ₹400 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

5% cashback on preferred merchants – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
You earn ₹5 , on every ₹100 you spend on these 10 specific merchants – only on purchases upto ₹20,000 per month
Exceptions :
– 5% cashback on these select merchants given only for non-EMI spends on these merchants. EMI transactions (at merchant location) & wallet loads at these merchants will be considered under the 1% basic cashback category.
– All gift card/ prepaid card loads & voucher purchase transactions are considered under the 1% basic cashback category.

1% cashback on all other spends : You earn ₹1 , on every ₹100 you spend on all other purchases – only on purchases upto ₹1,00,000 per month
Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone related benefits : Additional benefits based on achievement of quarterly spend targets
– If you spend ₹1 lakh or more in a calendar quarter, you will receive gift vouchers worth ₹1,000.

Complementary visits to domestic airport lounges in India – 2 times per quarter
– For Mastercard, Visa and Rupay card variants , please click below for details
Airport Lounge Details – Mastercard, Visa & Rupay Cards
– For Diners Club card variants , please click below for details
Airport Lounge Details – Diners Card

1% fuel surcharge waiver : Fuel surcharge waiver at all fuel stations –
– Only on fuel transactions between ₹400 and ₹5,000
– Only on fuel purchases upto ₹25000 per month
– Both conditions above need to be met to avail surcharge waiver

Attractive dining program – in partnership with Swiggy & Dineout
– 20% discount on restaurant bill payments at over 20,000 restaurants – via Swiggy Dineout.
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹1500.

5% cashback on all online spends , 1% cashback on all other spends
– You earn ₹5 , on every ₹100 you spend on online transactions. You earn ₹1 , on every ₹100 you spend on all other purchases.
– Exceptions : No cashback given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5,000 per month.

1% fuel surcharge waiver
– Only on fuel transactions between ₹500 and ₹3,000 AND
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

10% cashback on Swiggy apps – Food ordering || Instamart || Dineout || Genie
You earn ₹10 cashback, on every ₹100 you spend on Swiggy (food ordering, Instamart, Dineout, and Genie) – only on purchases upto ₹15,000 per month (since the maximum cashback you can earn at this special 10% rate is capped at ₹1500 per monthly card statement cycle).
Exceptions : Cashback not applicable on Swiggy Money wallet, Swiggy liquor, and Swiggy minis.
Please note :
– Cashback is earned as Swiggy Money in your Swiggy account on the Swiggy app. And can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie .
– You can utilize Swiggy Money selecting Swiggy Money under the profile section payment method within the Swiggy application
– Swiggy Money expires after 1 year from the date of earning. When using Swiggy Money, the cashback with the nearest expiry date will be utilised first to maximise your benefits.
– Cashback is not given on transactions under ₹100

5% cashback on online purchases across various categories , including Amazon and Flipkart
You can earn ₹5 cashback, on every ₹100 you spend on online purchases across various categories given below, including Amazon and Flipkart – only on purchases upto ₹30,000 per month (since the maximum cashback you can earn at this special 5% rate is capped at ₹1500 per monthly card statement cycle).
– Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
– Department stores, apparel, and home decor
– Electronics
– Local cabs
– Entertainment
– Pharmacies & personal care
– Online pet stores
Exception : Cashback will not be given on any grocery purchases and gift card purchases.
Please note :
– Cashback is earned as Swiggy Money in your Swiggy account on the Swiggy app. And can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie .
– You can utilize Swiggy Money selecting Swiggy Money under the profile section payment method within the Swiggy application
– Swiggy Money expires after 1 year from the date of earning. When using Swiggy Money, the cashback with the nearest expiry date will be utilised first to maximise your benefits.
– Cashback is not given on transactions under ₹100

1% basic cashback benefit on all other spends
You earn ₹1 , on every ₹100 you spend on all other purchases – only on purchases upto ₹50,000 per month (since the maximum cashback is capped at ₹500 per card statement cycle).
Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions