Best Cashback Credit Cards
Explore top cards like the HDFC Bank Millennia Credit Card, Accelero ICICI Bank Credit Card, Aditya Birla AU Bank Credit Cards, Airtel Axis Bank Credit Card, and 44 more.
48 Cards Found
HDFC Bank Millennia Credit Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹1,000 + GST
Reward Type:
Cashback
Accelero ICICI Bank Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points, Cashback
Aditya Birla AU Bank Credit Cards
Joining Fee:
₹900 + GST
Renewal Fee:
₹900 + GST
Reward Type:
Reward Points, Cashback
Airtel Axis Bank Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
Amazon Pay ICICI Bank Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU Altura Credit Card
Joining Fee:
₹199 + GST
Renewal Fee:
₹199 + GST
Reward Type:
Cashback
AU Altura Plus Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points, Cashback
AU Bank InstaPay Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU Bank LIT Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Bank Xcite Ace Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU Business Cashback RuPay Credit Card
Joining Fee:
₹99 + GST
Renewal Fee:
Free (1st year)
Reward Type:
Cashback
AU CA Metal Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, 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.
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.
Cashback Cards Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | Lifetime Free | Cashback | Lifetime-free, Amazon-heavy shoppers |
| AU Bank Xcite Ace Credit Card | Lifetime Free | Cashback | Lifetime-free, flat cashback |
| Axis Bank ACE Credit Card | ₹499 + GST | Cashback | Bill payments and Google Pay/UPI spends |
| HDFC Bank Millennia Credit Card | ₹1,000 + GST | Cashback | Accelerated cashback on online spends |
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.