5 Best Debit Cards with Cashback Benefits

Best Debit Cards with Cashback Benefits for December 2025

Given below are some of the debit cards offering cashback benefits across multiple spending categories:

1. HDFC Platinum Debit Card

Annual Fee: Rs. 850 + Applicable Taxes
Daily ATM Withdrawal Limit: Rs. 1 Lakh
Daily Shopping Limit: Rs. 5 Lakh

HDFC Platinum Debit Card offers benefits across multiple categories, including shopping, dining, entertainment, travel and more. The card offers premium benefits similar to HDFC Credit Cards, such as complimentary lounge visits, discounts on top brands and complimentary golf games & lessons. Below mentioned are some of the key features and benefits of this debit card:

Key Features & Benefits:

• 5% discount on Swiggy, capped at 150 cashback points per month
• 25% discount on BookMyShow, capped at 250 cashback points per month
• 5 cashback points on international spends above Rs. 200, capped at 350 cashback points per month
• Up to 5% cashback on transactions made through SmartBuy
• 2 complimentary airport lounge visits in a quarter, on spending Rs. 5,000 in the previous quarter
• 4 golf rounds per year and 12 golf lessons per year along with discounted golf services at 50% of the green fee

2. Axis Flipkart Debit Card

Annual Fee: Rs. 500 + Applicable Taxes
Daily ATM Withdrawal Limit: Rs. 50,000
Daily Shopping Limit: Rs. 5 Lakh

Axis Flipkart Debit Card is a co-branded debit card, designed for consumers who prefer to shop online at Flipkart. Like the Flipkart Axis Credit Card, this card also offers accelerated benefits on spends at Flipkart. Here are some of the major benefits offered by this debit card:

Key Features & Benefits:

• 5% cashback on Flipkart, up to Rs. 750 per month, on cumulative monthly spends of Rs. 3,500
• 15% off (Up to Rs. 500 per month) on dining at partner restaurants in India
• High daily shopping limit

3. Axis Prestige Debit Card

Annual Fee: Nil
Daily ATM Withdrawal Limit: Rs. 1 Lakh
Daily Shopping Limit: Rs. 5 Lakh

Axis Prestige Debit Card is exclusively offered to Prestige Savings Account holders. The card offers benefits around cashback, free movie tickets, reward points, lounge access, and dining privileges. Similar to Axis Credit Cards, this debit card offers cashback benefits on every spend. Additionally, cardholders can earn reward points on their transactions and redeem them through the rewards catalogue. Below are some of the key features and benefits of this card:

Key Features & Benefits:

• 3% cashback on travel bookings
• 2% cashback on spends at select merchant categories
• 1% cashback on fuel spends across all fuel stations
• Buy 1 Get 1 Offer on INOX movie tickets
• 2 EDGE reward points for every Rs. 200 spent
• 1 complimentary domestic lounge visit per quarter on spending Rs. 5,000 in the previous quarter
• Up to Rs. 500 dining discount at partner restaurants

4. IndusInd Delights Debit Card

Annual Fee: Rs. 499 + Applicable Taxes
Daily ATM Withdrawal Limit: Rs. 50,000
Daily Shopping Limit: Rs. 1 Lakh

IndusInd Delights Debit Card caters to everyday spending categories such as dining, fuel, and entertainment by offering 5% reward points on these spends. Additionally, cardholders can save on groceries and dining through discounts on BigBasket and Zomato, along with complimentary movie tickets on BookMyShow. Here are some of the key benefits offered by this IndusInd Bank Debit Card:

Key Features & Benefits:

• 5 IndusReward Points for every Rs. 100 spent at dining, fuel and entertainment, capped at 750 points per month
• Redeem rewards at a value of 1 RP = Rs. 1
• 10% discount on Zomato & BigBasket
• Buy 1 Get 1 Offer on movie tickets at BookMyShow
• Lost card liability cover of up to Rs. 1 Lakh & Purchase Protection of Rs. 50,000

5. IndusInd Grandé World Debit Card

Annual Fee: Nil
Daily ATM Withdrawal Limit: Rs. 4 Lakh
Daily Shopping Limit: Rs. 8 Lakh

IndusInd Grandé World Debit Card offers value-back through reward points, which can be redeemed via IndusInd Bank Rewards Catalogue at a 1:1 ratio. This debit card also offers benefits similar to those of IndusInd Bank Credit Cards, such as complimentary movie tickets, discounts on top brands, airport lounge access, and complimentary golf games. Here are some of the key features and benefits of this card:

Key Features & Benefits:

• 5 IndusReward Points for every Rs. 200 spent at dining, entertainment, flights, hotels & holiday bookings, capped at 1250 points per month
• 2.5% Cashback on Dining, Entertainment, OTT, Flights, Hotels & Holidays
• Redeem reward points at a value of 1 RP = Rs. 1
• Buy 1 Get 1 Offer on BookMyShow
• 20% off on Zomato & BigBasket
• 2 complimentary domestic lounge visits per quarter on spending Rs. 5,000 in the previous quarter
• 4 complimentary rounds of green fees per year, 12 complimentary golf lessons every year and discounted golf services at 50% of the green fee.

FAQs

Q. What is a Cashback Debit Card?

Cashback debit card is a payment card that offers you back some percentage of your spendings in form of cash, reward points or statement credit. You receive cashback on a debit card when you use it for eligible transactions.

Q. Which spending categories are covered for cashback from debit cards?

There are several categories eligible for cashback, such as online shopping, fuel, groceries, utility bills (mobile, gas, water, electricity), dining or restaurants, travel bookings, movie tickets and much more.

Q. What is the maximum cashback that I can avail from my debit card?

The maximum cashback availed is up to 5% depending on the category and card variant. Higher cashback returns are usually from partner merchants. However, there are debit cards who offer flat cashback on all spends.

Q. What are the types of costs involved with my debit card with cashback benefits?

Cashback debit cards come with various types of fees and charges, such as annual or issuance fees, card replacement fees, minimum balance requirements, transaction fees, cashback capping or limit, etc.

Q. Which are the best cashback debit cards in India?

At present, some of the most preferred cash back debit cards in India are HDFC Millenia, Platinum and Moneyback debit cards, Axis bank’s Flipkart & Prestige debit cards, IndusInd Bank Delight & Grande World debit cards, etc.