Top 10 Credit Cards That Offer Amazing Cashback

Given below is a detailed description of each of the above cards along with their features and benefits and the cashback rate that you can enjoy on these cards.

Axis Bank ACE Credit Card

Annual Fee- Rs.499

Cashback- The card offers cashback at these rates:

• 5% cashback on bill pay and recharge via Google Pay
• 5% cashback on BigBasket and Grofers (Valid till 31st Dec 2020)
• 4% on Swiggy, Zomato and Ola
• 2% cashback on all other spends

Lounge Access- 4 complimentary lounge visits per calendar year at select domestic airports

Other Perks– Get 1% fuel surcharge waiver on fuel purchases at all fuel stations across India and up to 20% discount at 4000+ partner restaurants in India

Flipkart Axis Bank Credit Card

Annual Fee – Rs.500

Cashback – The card comes with 5% cashback on brands like Flipkart, Myntra and 2GUD and additional 4% cashback on other select brands.

Other Perks – You will get fuel surcharge waiver of Rs.500 for fuel transactions between Rs.400 and Rs.4,000 and dining discount of 20% on select dining restaurants in India. Enjoy 4 complimentary access to airport lounge visits in India.\

ICICI Amazon Pay Credit Card

Annual Fee – Nil

ICICI Amazon Pay credit card comes is loaded with cashback benefits. This credit card solves the purpose for Amazon loyalists. The prime members will earn 5% cashback on using Amazon whereas the non-prime members will earn 3% cashback on Amazon.

Cashback – Apart from Amazon, you will earn 2% cashback on more than 100 Amazon Pay partners and 1% cashback on all other categories.

Other Perks – You can enjoy 15% discount on your dining bills on selected restaurants in India and 1% fuel surcharge waiver comes with ICICI Amazon Pay credit card. The card also comes with zero joining and annual fee.

Also Read: Zero Annual Fee Credit Cards in India

HSBC Cashback Credit Card

Annual Fee – Rs.750

Another popular cashback credit card, HSBC Cashback credit card comes with cashback and introductory offers. There is no joining fee with HSBC Cashback credit card.

Cashback – Enjoy unlimited cashback on all the transactions and additional 1.5% cashback on your online shopping and 1% cashback on offline shopping.

Other Perks – Apart from the cashback, the card comes with introductory offers. The introductory offers include 20% off on Swiggy and 5% discount on using Amazon. You will get complimentary lounge access to domestic and international airports.

HDFC Millennia Credit Card

Annual Fee – Rs.1,000

HDFC Millennia credit card comes with annual fee of Rs.1,000. You will get cashback on using Amazon and Flipkart via PayZapp and other SmartBuy transactions.

Cashback – You will earn 5% cashback on Amazon, Flipkart and hotel bookings done through PayZapp and SmartBuy. Additional 2.5% cashback on online transactions and 1% cashback on the offline purchases.

Other Perks – With HDFC Millennia, you can enjoy complimentary access to domestic airport lounge and 1% fuel surcharge waiver. On spending Rs.30,000 in the first 90 days, the annual fee of Rs.1,000 gets waived off.

YES Prosperity Cashback Credit Card

Annual Fee – Rs. 399

Welcome Offer – Get Rs. 250 cashback on total spends of Rs. 2,500 within 30 days of card activation.

Cashback Offer – 5% cashback on spending on movies, utility bill payments and groceries. 0.50% cashback on all other spends except fuel.

Fuel Surcharge waiver – Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs 400 to Rs. 4,000.

Milestone Benefits – Get 15,000 bonus reward points on spending Rs. 6 lakh or more in each anniversary year.

Reward Benefits – 

With your YES Bank Prosperity Cashback credit card, you get:

• 4 reward points on every Rs. 200 spent on all categories
• 2 reward points on every Rs. 200 spent on select categories
• 5X rewards points on the first 3 transactions done via YesPayNow (valid only for first 5 registered billers)

Citi® Cash Back Credit Card

Annual Fee- Rs. 500
Cashback Rate- Up to 5%

If you love direct cashback more than redeeming reward points towards travel and dining, this credit card is perfect for you. Citibank Cash Back Credit Card lets you earn while you spend with its huge cashback benefits throughout the year.

Cashback- You can enjoy 5% cashback on paying phone bills and booking movie tickets through your credit card. If you use Citibank Online Bill Pay facility to pay your utility bills, you can get another 5% cashback. All other spends qualify for 0.5% cashback. Cash credit in the above three categories is capped at Rs. 100 per month for each category.

Redemption- The cashback is accrued whenever you use your credit card and it is reflected directly in your monthly statement as cash credit. Note that cashback is only offered in multiples of Rs. 500. You can also calculate the amount you save through cashback using Citibank Savings Calculator.

Other Perks- Citibank Cash Back Credit Card is a contactless card which means that you can make payments simply by tapping the card on the POS terminals that accept contactless cards. Other dining, travel and easy EMI benefits available on Citibank credit cards will also be applicable on the Cash Back card.

SBI SimplyClick Credit Card

Annual Fee – Rs.499

Milestone Rewards – Get e-voucher worth Rs.2,000 from Cleartrip

SBI SimplyClick is best suited for online shoppers. The card comes with various benefits on big brands and reward points on online shopping.

Welcome Gift – Welcome gift worth Rs.500 from Amazon with SBI Simplyclick credit card.

Cashback – SBI Simplyclick offers Rs.100 cashback on booking movie tickets through BookMyShow application for first time users.

Reward Redemption – On using Amazon, BookMyShow, Cleartrip, UrbanClap, you earn 10 times more reward points. You will also earn additional 5x reward points on all the online expenditures done with SBI SimplyClick.

Other Perks – SBI SimplyClick comes with Annual Fee waiver on spending Rs.1 lakh or more in the previous year along with fuel surcharge waiver of 1% for transactions between Rs.500 and Rs.3,000. On spending Rs.1 lakh and Rs.2 lakh, you get e-voucher worth Rs.2,000.

HDFC MoneyBack Credit Card

Annual Fee- Rs. 500
Cashback Rate- Rs. 20 for 100 Reward Points

This credit card by HDFC offers great perks for the shopaholics in the form of high reward points which can be redeemed as cashback against the outstanding amount. Here are a few features that make it a great addition to your wallet.

Cashback- You can pay your outstanding amount with Reward Points on HDFC MoneyBack Card. 100 reward points can be converted into Rs. 20 of cash credit.

Rewards and Redemption- You can earn 2 reward points on every Rs.150 spent on your card and the online spends are eligible for 100% more rewards. You must note that EasyEMI, e-wallet loading transactions, fees and charges and cash advances do not qualify for rewards. If a transaction is converted into SmartEMI, rewards will be reversed. Cardholders can redeem their reward points for exciting gifts, air miles and more. Reward points are only valid for 2 years from the date of accumulation and minimum 2,500 points are required for redemption.

Also Read: Credit Cards with high reward points in India

Other Perks- There is zero liability on fraudulent transactions made on your HDFC MoneyBack credit card in case it is lost and you immediately report the loss. Also get 1% Fuel Surcharge waived off on fuel transactions and enjoy revolving credit on your credit card at nominal interest rate.

RBL Monthly Treats Credit Card

Monthly Fee – Rs.50 plus applicable taxes

Reward Rate – 2 Reward Points for every Rs.100 spent on online purchases

RBL Monthly Treats credit card is best for everyday cashback. The card comes with cashback on groceries, movies and dining.

Cashback – Get 10% cashback on groceries along with the next month’s fee waived off on spending Rs.3,000 in a month. You also get additional 10% cashback on BookMyShow, Swiggy and other utility payments spending Rs.2000 in the same month.

Reward Points – You will earn 2 reward points for every online purchase of Rs.100 and 1 reward point for every Rs.100 spent on offline purchases except fuel.

Other Perks – RBL Monthly Treats comes with a monthly fee of Rs.50 plus applicable taxes. The card comes with fuel surcharge waiver between Rs.500 and Rs.4,000. For paying your utility bills, you will get 10% cashback on paying through the mobile application.

Standard Chartered Manhattan Platinum Credit Card

Annual Fee- Rs. 999
Cashback Rate- Up to 10%

This card provides you with huge cashback on hard-to-avoid purchases like groceries from departmental stores and supermarket spends, giving you all the more reasons to use it. Some attractive benefits offered by this card include-

Cashback- Enjoy 5% cashback on credit card spends in departmental stores and supermarkets like Food Bazaar, Big Bazaar, Reliance Fresh and more. The card also offers 10% cashback on Ola rides. Earn up to Rs. 500 as cashback every month and Rs. 150 per transaction. To be eligible for cashback, you must spend Rs. 1,000 or more per transaction.

Rewards and Redemption- Earn attractive reward points with you Manhattan Platinum Card. Enjoy 3-times more reward benefits when you pay for airline ticket reservation, dining, hotels and fuel. You can choose from a range of exciting redemption options for your reward points. Minimum 500 reward points are needed to avail redemption.

Other Perks- You can avail 12% discount on Hotels.com and 20% discount at Millennium Hotels. You can also avail 25% discount on movie tickets and 10% discount on food and beverages on Fridays, Saturdays, and Sundays at BookMyShow and INOX Cinemas.

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