Best Cashback Credit Cards In India 2024

The Axis Bank ACE Credit Card, which has been launched as a collaboration between Axis Bank and Google Pay, gives a cashback of 5% on the payments of utility bills. There is no cap on receiving cashback. The only requirement is that the payment has to be made via Google Pay. There is a 4% cashback on Ola, Zomato, Swiggy and 2% on any other payment that you make with this card. Cashback is free of cap in all the payments made through this card.

Ongoing Benefits:

• 5% cash back on the payment of bills, like electricity, gas, DTH, Mobile recharge, etc.
• 4% on making purchases from Swiggy, Zomato, Ola.
• 2% on any other kind of spend.
• Payments are to be done from Google Pay.
• No annual fee on spending INR 2,00,000 in one year.
• Four lounge visits in select domestic airports in a year.
• Surcharge waiver of 1% on all fuel transactions between INR 400 to INR 4,000 to the maximum of INR 500 per statement cycle (no cashback on fuel transactions).
• 20% discount at partner restaurants in India.

SBI’s Cashback Credit Card is known as Cashback SBI Card, providing 5% cashback on online spends applicable to all merchants without any distinction.There is a cashback of 1% on the payments of all offline spends and utility bills. Joining fee is not charged for the first year. Card cashback is auto-credited to the user’s SBI Card account within two days of the next statement generation.

The card offers no limit on earnings or accumulation of cashback on the credit card. There is a limit of INR 10,000 per billing cycle on earning 5% cashback on online transactions as defined above. If one reaches the cap of INR 10,000 on earning 5% cashback in a month, the cardholders will continue to earn 1% cashback on such online transactions.

Welcome Benefits:

• There is no joining fee for this card, that implies no annual fee for the first year.

Ongoing Benefits:

• 5% cashback on online spends.
• 1% cashback on all offline spends and utility bill payments.
• No annual fee will be charged on spending INR 2 lakh.
• 1 complimentary domestic Airport lounge visit per quarter, four in a year.
• Fuel surcharge waiver available.

Dhanlaxmi Bank’s Platinum Credit Card gives a 5% cashback on purchases made from supermarkets and departmental stores. This card is simple to use and provides covers like, purchase protection. It is without any complication, and easy to use. This card is completely free and users do not have to pay an annual or joining fee.

Ongoing benefits:

• 5% cashback on any purchase from supermarkets and departmental stores.
• Credit shield cover up to INR 1 lakh.
• Purchase protection cover up to INR 1 lakh.
• Air accident insurance up to INR 2 lakh.
• Global customer assistance available.

Axis Bank in collaboration with Airtel has launched the Airtel Axis Bank Credit Card. This card provides cashback of special interest for people using Airtel services, as it provides a cashback of 25% on the bill payments made to Airtel mobile, DTH, Broadband and Wifi, via the Airtel Thanks App. There is a 10% cashback on the payment of all the utility bills if the payment is made through the Airtel Thanks App.

Welcome Benefits:

• Amazon vouchers worth INR 500 if the first transaction is done within 30 days of the card allotment.

Ongoing Benefits:

• 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App to the maximum of INR 300.
• 10% cashback on utility bill payments such as gas, electricity, etc, via Airtel Thanks App to the maximum of INR 300.
• 10% cashback at preferred merchants to the maximum of INR 500.

Axis Bank in partnership with Freecharge has launched the Axis Bank Freecharge Plus Credit Card. It provides a cashback of 5% on Freecharge spends. Cashback will be provided if the spends are made through Freecharge Application only. Freecharge application allows users to pay bills of electricity, gas, telephone, recharge mobile, broadband, DTH and metro cards. It enables the users to invest in mutual funds and get credit through Freecharge EMI.

Welcome benefits:

• Gift vouchers worth INR 700, which can be redeemed at partner stores.

Ongoing Benefits:

• 5% cashback on Freecharge spends.
• 2% cashback on commutation locally.
• 1% on spending on other things.
• No annual fee will be charged on spending INR 50,000 through this card.

LIT Credit Card launched by AU Small Finance Bank provides many facilities for the desired facility one has to subscribe for that facility online by paying the fee for a period of 90 days. If one wants to avail the facility of cashback then the charges for it are given in the following table.

There will be no annual fee charged on the card and it is completely free, but to avail a cash back in the respective domains for 90 days a fee of INR 299 will be charged from the user. In the same manner there are a few other facilities as well for which individual fees have to be paid. The card will not be canceled even if it is not recharged.

The SNAPDEAL BOB Credit Card provides unlimited cashback exclusively for Snapdeal purchases and awards reward points across diverse spending categories, including online shopping, grocery, and departmental stores. The accumulated reward points seamlessly transform into cashback, automatically reflected in your monthly statement.

Welcome Benefits:

• Snapdeal vouchers worth up to INR 2500 upon card issuance.

Ongoing Benefits

• 5% unlimited cashback (20 reward points per 1000) on purchases made exclusively on the Snapdeal website and app.
• 10 reward points for every 100 spent on online shopping, grocery, and departmental stores.
• 4 reward points for every 100 spent on other categories.
• All accumulated reward points seamlessly convert into cashback, automatically credited to your monthly statement.
• 1% fuel surcharge waiver on all fuel transactions between INR 400 to INR 5000 (maximum 250 per month).