Best Cashback Credit Cards
Explore top cards like the Amazon Pay ICICI Bank Credit Card, Flipkart Axis Bank Credit Card, Myntra Kotak Credit Card, AU Altura Credit Card, and 59 more.
63 Cards Found
Amazon Pay ICICI Bank Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Cashback
Flipkart Axis Bank Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
Myntra Kotak Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
AU Altura Credit Card
Joining Fee:
₹199 + GST
Renewal Fee:
₹199 + GST
Reward Type:
Cashback
YES Prosperity Cashback Plus Credit Card
Joining Fee:
₹1,499 + GST
Renewal Fee:
₹1,499 + GST
Reward Type:
Cashback
Axis Bank Cashback Credit Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹1,000 + GST
Reward Type:
Cashback
HDFC Bank Millennia Credit Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹1,000 + GST
Reward Type:
Cashback
AU Spont Credit Card
Joining Fee:
₹299 + GST
Renewal Fee:
₹299 + GST
Reward Type:
Cashback
AU Bank Xcite Ace Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Cashback
ICICI Bank Business Advantage Blue Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
IDFC FIRST EARN Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Cashback
IndusInd Bank Samman RuPay Credit Card
Joining Fee:
Nil
Renewal Fee:
₹199 + GST
Reward Type:
Cashback
Cashback Credit Cards - Flat-Rate vs Accelerated
Cashback cards fall into two broad types: flat-rate cards that return the same percentage on most spends, and accelerated cards that pay a much higher rate in specific categories (often capped monthly) but a lower base rate elsewhere. Which type suits you depends on whether your spending is concentrated or spread out.
Cashback Cards Compared
| Card | Annual Fee | Best For |
|---|---|---|
| Amazon Pay ICICI Bank | Nil | Lifetime-free, Amazon-heavy shoppers |
| AU Bank Xcite Ace | Nil | Lifetime-free, flat cashback |
| Axis Bank Ace | ₹499 + GST | Bill payments and Google Pay/UPI spends |
| HDFC Bank Millennia | ₹1,000 + GST | Accelerated cashback on online spends |
Lifetime-Free Cashback: Start Here If Fee-Averse
Amazon Pay ICICI (from ICICI Bank) and AU Bank Xcite Ace (from AU Small Finance Bank) both charge zero joining and renewal fee for life, making them the natural starting point if you want cashback without any fee calculation to worry about.
Fee-Bearing Cashback: Worth It at Higher, Focused Spend
Axis Bank Ace (from Axis Bank) and HDFC Bank Millennia (from HDFC Bank) both charge an annual fee that needs to be offset by cashback earned in their respective bonus categories - Ace on bill payments and UPI/Google Pay transactions, Millennia on online shopping with popular merchant partners. Both make sense once your monthly spend in those specific categories clears the fee comfortably; otherwise a lifetime-free option is the safer default.
How to Choose
Flat-rate vs category-accelerated cashback
Some cards (like Amazon Pay ICICI) earn a flat cashback rate on most spends, while others accelerate cashback sharply in specific categories (online shopping, dining, fuel) but earn a lower base rate elsewhere. Pick based on whether your spending is concentrated in one category or spread evenly.
Check for a monthly or category cashback cap
Many accelerated-cashback cards cap the higher rate at a fixed monthly amount, after which spends in that category drop to the base rate. A card advertising "5% cashback" is only worth that much up to the cap - beyond it, effective cashback can fall sharply.
Weigh the annual fee against your realistic monthly spend
HDFC Millennia (₹1,000 + GST) and Axis Bank Ace (₹499 + GST) both charge a fee that needs to be offset by cashback earned - only worth it once your monthly spend in the card's bonus categories comfortably clears that amount. Lifetime-free options like Amazon Pay ICICI or AU Bank Xcite Ace remove this calculation entirely.
Cashback is usually credited, not redeemed
Unlike reward points, cashback is typically credited automatically to your statement or account each cycle - there's no redemption catalogue or point expiry to manage, which is part of why cashback cards suit people who want a simpler, lower-maintenance rewards structure.