Best Cashback Credit Cards in India
Save ₹30,000–₹60,000 per year on everyday spending with the right cashback card.
Check your eligibility in 30 seconds — no impact on your credit score
The right cashback credit card can save you real money on things you already buy every day — fuel, groceries, online orders, and utility bills. Unlike reward points that expire or lose value, cashback is straightforward: spend money, get money back.
We currently feature one live cashback card with a verified partner offer. We are continuously adding more credit card partners — check back as we expand our list.
Cards marked "Coming Soon" are not yet available to apply through this site.
How much could you save?
Based on 1.5%–5% cashback rates. Actual savings depend on card and spending category.
Compare Cashback Cards
More card partners coming soon.
Our Top Pick: Tata Neu HDFC Card
Tata Neu HDFC Card
Best for Tata brand users & daily spenders
- ✓5% NeuCoins on BigBasket, Tata 1mg, Westside
- ✓1.5% NeuCoins on all other spends
- ✓Airport lounge access
- ✓Fuel surcharge waiver
Example savings on Rs. 20,000/month spend
BigBasket / Tata 1mg (5%): Rs. 5,000 → Rs. 250 back
Other spends (1.5%): Rs. 15,000 → Rs. 225 back
Total: Rs. 475/month → Rs. 5,700/year
How to Maximise Cashback in India
Focus on your top spending categories. If you spend Rs. 8,000/month on groceries, a card with 5% back on grocery platforms saves you Rs. 4,800/year from that category alone. Aligning the card to your actual habits makes a significant difference.
Use UPI-linked credit cards where accepted. Some newer credit cards reward UPI transactions in addition to regular card swipes. This is especially useful for payments at local shops and small merchants where swiping a card may not be an option.
Pay your full bill every month. Cashback is only beneficial if you avoid interest charges. Credit card interest rates in India range from 36-42% per annum. Carrying a balance erases any cashback benefit very quickly.
Check reward exclusions before spending. Rent payments, EMIs, insurance premiums, and fuel (above the surcharge waiver limit) are commonly excluded from cashback. Read the terms so you are not surprised.
Frequently Asked Questions
Which cashback credit card is best for daily spending in India?
For daily spending across Tata brands, groceries on BigBasket, or medical purchases on Tata 1mg, the Tata Neu HDFC Card gives 5% back. For general everyday spending, look for flat-rate cashback cards that give 1.5-2% on all purchases with no category restrictions.
How much can I save per year with a cashback credit card?
A person spending Rs. 30,000/month can save Rs. 4,500-5,400/year at 1.5% flat cashback, and up to Rs. 18,000/year if a significant portion is on a 5% category like Tata brands. Higher spenders in eligible categories can save even more.
Do cashback cards charge an annual fee?
Many cashback cards in India are lifetime free or offer fee waiver on meeting a spending threshold. The Tata Neu HDFC Card has no fee in the first year. Some banks waive the fee if you spend Rs. 50,000 or more annually.
Is cashback credited automatically or do I need to redeem it?
It depends on the card. Some cards like statement credit cards automatically reduce your bill. Others, like the Tata Neu HDFC Card, credit NeuCoins to your wallet which you can redeem on Tata brand purchases. Always check the redemption process before applying.
Are there cashback limits I should know about?
Yes, many cards cap monthly cashback at Rs. 500-1,000. High spenders should specifically look for cards with no cashback cap. Also check whether cashback is earned on EMI transactions, rent payments, or insurance premiums as these are often excluded.