Best Cashback Credit Cards in India

Cashback credit cards are among the most popular choices in India because they offer simple, straightforward rewards. Instead of accumulating points that require calculations and conversions, you get a percentage of your spending back as cash. This makes it easy to see exactly how much you are saving on every purchase.

These cards are ideal for people who spend regularly on everyday categories like groceries, fuel, utility bills, and online shopping. Most cashback cards in India offer 1-5% back on purchases, with higher rates on specific categories or partner merchants. Co-branded cards with e-commerce platforms like Amazon or Flipkart often provide the best rates for online shoppers.

When choosing a cashback card, look for cards with no cap on cashback earnings and low redemption thresholds. Some cards require you to accumulate a minimum amount before you can redeem, while others credit cashback directly to your statement. Also check if there are any exclusions on certain categories like rent payments or insurance premiums, as these often do not earn rewards.

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Tata Neu HDFC Card

5% NeuCoins on Tata brands, 1.5% on other spends

No annual fee (first year)