Best Cashback Credit Cards in India 2025 - Compare & Apply Online

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

• Rent/property management
• Fuel purchases
• Utility bills
• Insurance payments
• Wallet loads
• School & educational services
• Jewelry purchases
• Railway bookings
• EMI transactions
• Standing instructions
• Cash advances
• Balance transfer
• Non-customer-initiated spending like annual fees, late fees, and other fees & charges
• Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

• ₹5,000 combined across all spending categories. 
• Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

• 5% cashback for Amazon Prime members
• 3% cashback for Non-Prime members

Exceptions & important exclusions-

• 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
• No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

• Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
• Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

10% cashback on PhonePe transactions (including recharges, bills, insurance, travel). 

• Monthly limit: ₹2000 cashback, ₹20,000 spending

5% cashback on online spend 

• Monthly limit: ₹2000 cashback, ₹40,000 spending

1% cashback on UPI transactions (RuPay variant only)

• Monthly limit: ₹2000 cashback, ₹2 lakh spending

4 free domestic airport lounge visits per year

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500-₹4,000

▶︎ 10% cashback on Swiggy apps: 

• Food delivery orders 
• Instamart grocery shopping   
• Dineout restaurant bookings 
• Genie delivery services

Monthly cashback limit: ₹1,500 (reached at ₹15,000 spending)

Important exclusions: Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis

▶︎ 5% cashback on online purchases including Amazon and Flipkart:

• 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 

Monthly cashback limit: ₹1,500 (reached at ₹30,000 spending)

Important exclusions: 

• Cashback will not be given on any grocery purchases and gift card purchases in the above categories.
• Starting 10th May 2025 onwards, grocery transactions on Amazon and Flipkart (MCC 5411) will also earn 5% cashback

▶︎ 1% basic cashback benefit on all other card spends 

Monthly cashback limit: ₹500 (reached at ₹50,000 spending)

Important exclusions: No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

▶︎ Welcome offer: Up to 12 Month complimentary Swiggy One membership

• All new customers get a 3 month Swiggy One membership
• Customers who apply through the Swiggy app receive extra 9 months of Swiggy One Membership

▶︎ Complimentary golf

• 4 free golf rounds per year (maximum 1 per month) 
• 1 free golf lesson per month
  

▶︎ 5% cashback at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber

• Monthly cashback limit: ₹1,000 (reached at ₹20,000 spending)
• Note: Gift card/prepaid cards & voucher purchases earn 1% cashback.

▶︎ 1% cashback on other card spends 

Monthly cashback limit - ₹1000, reached at ₹1 lakh spending

Important exclusions include -

• Fuel transactions
• EMI transactions
• Rent payments
• Government transactions
• Wallet loads 
• Education payments through third-party apps

▶︎ Quarterly Milestone Benefit: Spend ₹1 lakh per quarter and choose:

• ₹1,000 gift vouchers from select brands, OR
• Dreamsfolks airport lounge access voucher

▶︎ Up to 10% cashback on travel, shopping, and more – through HDFC Smartbuy platform (maximum cashback of ₹1,000 per month)

• 5% cashback on travel spends: flight bookings, hotel bookings, and bus tickets through RedBus or MakeMyTrip holiday packages.
• 5% cashback on various gift vouchers: shopping, travel, dining, entertainment, and more.
• 5% cashback at select partners: Myntra, Apple Imagine Tresor, Nykaa, and Zoom Car.
• 10% cashback at select partners: Pharmeasy, IGP, and Jockey.

▶︎ 1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5,000

Digital UPI Credit Card 

▶︎ Basic Rewards Structure (No Subscription)

UPI Transactions

• 0.50% cashback on UPI spending (2 Kiwis per ₹100)
• Monthly cashback limit: 1% of total credit limit
• Minimum transaction: Rewards given on multiples of ₹100 
• 1 Kiwi = ₹0.25 (redeemable as statement credit)

Non-UPI Transactions

• 0.25% rewards (1 point per ₹100 spent)

▶︎ Enhanced Rewards with Kiwi Neon Subscription

Subscription Details

• Annual cost: ₹999

Base Enhanced Rates

• 0.50% cashback on online UPI transactions
• 2% cashback on scan & pay QR transactions

Annual Milestone Rewards

• ₹50,000 annual spend: 3% total cashback + 1 domestic airport lounge access
• ₹1,00,000 annual spend: 4% total cashback + 1 domestic airport lounge access
• ₹1,50,000 annual spend: 5% total cashback + 1 domestic airport lounge access

Important reward exclusions & exceptions

• Telecom & utilities (utility rewards limited to 150 reward points per month)
• Jewelry, fuel, rent payments
• Insurance premiums & education fees
• Government services & wallet reloads
• Cash withdrawals & EMI transactions
• Marketing/advertising category transactions

▶︎ Other Benefits: 1% fuel surcharge waiver, up to ₹250 per month

7.50% cashback on Myntra. Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

5% cashback on Cleartrip. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% unlimited cashback on Swiggy, Uber, PVR, Cult Fit

1% cashback on all other card spends 

Important exclusions (no cashback categories):

• Utility & telecom bills
• Education & rent payments
• Wallet loads & government services
• Insurance & gold/jewelry
• Fuel purchases & financial institutions
• Cash advances & loan repayments

EazyDiner restaurants: 15% discount, up to ₹500 per month

• 15% discount, (up to ₹500) at restaurants through EazyDiner
• Minimum order required to avail offer is ₹2500
• Offer valid 1 time per month
• Restaurant bill need to be paid through the EazyDiner app (PayEazy)

1% fuel surcharge waiver (up to ₹400 per month), valid only on fuel transactions between ₹400 and ₹4000

10% cashback on grocery purchases, dining, food delivery  (up to ₹1000 per month)

• Earning rate: ₹10 per ₹100 spent in these categories
• Monthly cashback limit: ₹1000 (reached at 10,000 spending)

1.50% unlimited cashback on other card spends

• Earning rate: ₹1.50 per ₹100 spent

Important exclusions (no cashback)

• Fuel, e-wallets, property management fees
• Rent, education, government related spends
• Insurance, jewelry & antique items
• Gambling, business to business transactions
• Tolls and bridge fees, financial and non-financial institutions, 
• Security broker services, collection agencies, charity, money transfers and wholesale clubs

Domestic airport lounge access - 1 time per quarter

10% cashback on PhonePe spends (utility bills, recharges, travel, movies) 

• 10 reward points worth ₹10, for every ₹100 spent in these categories
• Monthly cashback limit: 1000 reward points, reached at ₹10,000 spending

5% cashback on select online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber)

• 5 reward points worth ₹5, for every ₹100 spent in these categories
• Monthly cashback limit: 500 reward points, reached at ₹10,000 spending

1% cashback on UPI Scan & Pay transactions

• 1 reward points worth ₹1, for every ₹100 spent
• Monthly cashback limit: 500 reward points, reached at ₹50,000 spending

Redemption value of reward points

• Reward points can be converted to cashback (statement credit)
• 1 reward point = ₹1

Important exclusions (no reward points)

• EMI spends (Easy EMI, Smart EMI, Dial an EMI)
• Fuel transactions, Wallet load, Gift Card
• Cash advances, Credit Card bill payment 
• Credit cards fees or any charges, Government transactions 
• Rental payments, Educations fees transactions
• Insurance and Investment, Jewellery purchase
  

Domestic airport lounge access - 2 visits per quarter (spend requirement of ₹75,000 per quarter)

1% fuel surcharge waiver on fuel transactions between ₹400 & ₹5000, and up to ₹250 per month

Accelerated Cashback on Online Spending (except travel and other standard exclusions):

• Tier 1: 2% cashback on net spends* up to ₹5,000  (max ₹100)
• Tier 2: 5% cashback on net spends from ₹5,001 to ₹40,000 (max ₹1,750)
• Tier 3: 7% cashback on net spends above ₹40,000 (max ₹2,150)
• Maximum monthly cap: ₹4,000 total cashback

Base Cashback Categories:

• 0.75% cashback on offline (face-to-face) and all travel spends (unlimited)
• 0.5% cashback on utility transactions (capped at ₹100 per statement)

Important Exclusions (No Cashback)

• Transportation & Tolls
• Insurance
• Educational Institutions
• Jewellery, Precious Metals & Watches
• Government Institutions
• Wallet transactions
• Rent payments
• Fuel purchases
• EMI transactions and cash advances

Snapdeal purchases: 5% unlimited cashback

• 20 points per ₹100 spent = ₹5 cashback

Online shopping (non-Snapdeal) & department stores: 2.5% cashback

• 10 points per ₹100 spent = ₹2.50 cashback
• Monthly cashback limit: 2,000 points (₹500 cashback), reached at 20,000 monthly spend

All other purchases: 1% cashback

• 4 points per ₹100 spent = ₹1 cashback

Important exclusions (no reward points) 

• Fuel, rent, education, government 
• Insurance, wallet loads, charity, supermarkets

Value of reward points & redemption

• Reward points can be redeemed as cashback
• 1 reward point = ₹0.25 (25 paise)

Fuel surcharge waiver: Up to ₹250 per month

• 1% waiver on fuel transactions between ₹400-₹5,000
• Maximum monthly waiver - ₹250, reached at ₹25,000 fuel spend

Airtel Services: 25% cashback (up to ₹250 per month)

• Covers mobile, broadband, WiFi, and DTH services through Airtel Thanks app
• Monthly cashback limit: ₹250, reached at ₹1000 monthly spend

Utility Bills via Airtel App: 10% cashback (up to ₹250 per month)

• Electricity, water, and gas bill payments via Airtel Thanks app
• Monthly cashback limit: ₹250, reached at ₹2500 monthly spend

Food Delivery & Groceries: 10% cashback (up to ₹500 per month)

• BigBasket grocery orders and Swiggy/Zomato food delivery
• Monthly cashback limit: ₹500, reached at ₹5,000 monthly spend

Other Purchases: 1% cashback

• Applies to all other eligible card transactions
• Excludes: utilities (non-Airtel platforms), fuel, wallets, EMIs, government services, education services, rent, jewelry, insurance, annual fees and other fees, cash advances, payment of outstanding card balances, returns & cancellations

Other Benefits

▶︎ Airport Lounge Access

• Domestic airport lounge access - 4 visits per year
• Requires minimum ₹50,000 spend in previous 3 months 

▶︎ Dining Discount

• 15% off at EazyDiner partner restaurants (up to ₹500 discount)
• Minimum order requirement of ₹2500
• Valid once per month

▶︎ Partner Offers

• Additional cashback deals through Axis Grab Deals platform (up to ₹1,000 per month)
• Exclusive discounts with select Axis Bank partners

▶︎ Fuel surcharge waiver (up to ₹500 per month), valid only on fuel transactions between ₹400 and ₹4000

▶︎ Premium Cashback Categories

Utilities & Mobile (through Google Pay): 5% cashback

• Utility bills (electricity, water, gas, LPG, broadband), DTH, and mobile recharge
• Must be paid exclusively through Google Pay app
• Earn ₹5 per ₹100 spent

Food & Transport: 4% cashback

• Swiggy and Zomato food orders
• Ola ride bookings
• Earn ₹4 per ₹100 spent

Combined monthly cap: ₹500 cashback across both 5% and 4% categories, reached at monthly spends between ₹10,000-12,500

▶︎ Standard Rewards

All Other Purchases: 1.50% cashback

• Earn ₹1.50 per ₹100 spent on eligible transactions
• Excludes: fuel, rent, gold/jewelry, insurance, EMI transactions (including post-purchase conversions), wallet loads, cash advances, educational services, government services, payments to financial institutions, outstanding balance payments, card fees and charges

▶︎ Other Benefits

Airport Lounge Access

• 4 complimentary visits per year at Indian airports
• Requires minimum ₹50,000 spend in previous 3 months

Fuel Surcharge Waiver

• 1% waiver on fuel purchases (up to ₹500 per month)
• Valid only on fuel transactions between ₹400-₹4,000

Dining Benefit

• 15% off at EazyDiner partner restaurants (up to ₹500 discount)
• Minimum order requirement of ₹2500
• Valid once per month

Partner Offers

• Axis Grab Deals platform cashback (up to ₹1,000 per month)
• Exclusive partner discounts and gift voucher deals

7.5% cashback on Myntra purchases 

• Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart, Cleartrip 

• Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% cashback on Zomato, Uber, PVR and Netmeds

• Quarterly Cashback Limit: ₹4000, reached at ₹1 lakh spending 

1% cashback on all other eligible purchases (no cap)

• Important exclusions: No rewards on Fuel Spends, Wallet Load, Gift or prepaid card load, Voucher purchase, Cash Advance, Payment of outstanding balance, Payment of card fees and other charges, Rental and Govt. related Transactions, Education payments, Jewelery, Insurance, Gaming, EMI Spends

1% fuel surcharge waiver up to ₹400 per month

Welcome vouchers worth ₹1,250 

• ₹250 Flipkart voucher 
• Limited-time ₹500 each from Flipkart and Cleartrip)

Minimum monthly income 

• ₹15,000 (salaried) 
• ₹30,000 (self-employed)

10% cashback (up to ₹1500 per month) on popular shopping brands like Amazon & Flipkart

5% cashback (up to ₹1000 per month) on well-known travel platforms

1% unlimited cashback on other card transactions

Important exclusions: The following transactions are NOT eligible for earning rewards:

• Fuel spends
• Govt related transactions
• Rent payment transactions
• Utility bill payments (electricity, gas, etc.)
• Wallet loads / gift or prepaid card loads / voucher purchase
• Cash advances
• Payment of Outstanding Balances
• Payment of card fees and other charges
• All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.)

Reward Currency & Redemption:

• Rewards earned as "Jewels" in Jupiter app
• Redemption value: 5 Jewels = ₹1 (i.e., 1 Jewel = ₹0.20) 
• Redemption options: Cashback to card statement credit, digital gold, brand vouchers

No annual fee (except joining fee)

Joining fee compensated by good welcome offers - 

• Free Amazon Prime subscription (1 year, worth ₹1,499)
• Free Fraud Protection plan (1 year, worth ₹399)