The simplest type of perk a credit card may provide is cashback. Instead of earning incentives and then exchanging them for cash, gift cards, or other products, you spend money and receive real value in return. In India, there are many credit cards with cashback features, the majority of which give additional rewards on specific types of purchases.
You should choose the best credit card based on how you use your money because there is no one cash-back card that will meet everyone’s demands. Many people have this question in mind Which is the best cashback credit card, To answer that query here are the top credit card offers with cash back for 2024. All of these cards are unlimited cashback credit cards in India 2024. The following is the list of which credit card gives cashback:
List of 7 Best Cashback Credit Card Offers in May 2024
1. Axis Bank ACE Credit Card – Best Cashback on Bill Payments
With the 2% flat-rate cashback that comes with the Axis Bank Ace Credit Card, you may theoretically get a solid return on all of your transactions. With this card, you can receive up to 5% cashback on Google Pay-facilitated bill payments, DTH subscriptions, and cellphone recharges, and 4% cash back at particular businesses like Swiggy, Zomato, and Ola. Everybody can benefit from all of these categories.
Additionally, there is no upper limit on the total amount of cashback that may be collected, which becomes a fantastic offer for anyone who routinely spends in all of these categories. This entry-level card, which has a cheap annual fee and offers a high overall value back, is one of the finest options for those who are just beginning their professions. This comes under the top 10 cashback credit card offers in 2023 as it provides the best credit card bill payment cashback offers.
Axis Bank ACE Cashback Credit Card Fee Details
| Description | Charges |
| Cashback Credit Card Joining Fee/Annual Fee | 2nd year onwards: Rs.499 Annual Fee for annual spending more than 2Lakhs. |
| Card Replacement Fee | Nil |
| Cash Payment Fee | Rs.100/- |
| Balance Enquiry Charges | waived |
2. Amazon Pay ICICI Credit Card – High Cashback to Avail
A co-branded credit card with the biggest rewards for Amazon shopping is Amazon Pay ICICI Credit Card. Members of Amazon Prime can get 5% cashback on their purchases at Amazon without paying a membership or yearly fee. 3% cashback is available to non-prime members on Amazon purchases, though. With this credit card, you can receive other incentives in addition to cashback, such as dining rewards, a waiver of fuel surcharges, and a no-cost EMI option.
If you frequently purchase items from Amazon online and are seeking a credit card that offers advantages while buying online, this is a respectable choice. On top of that, this credit card is among the best 2 cashback credit cards in India.
Amazon Pay ICICI Cashback Credit Card Offers on Shopping
| Description | Rewards |
| Amazon ICIC Cashback Credit Card Annual Fee | Life Time Free Credit Card “No Charges” |
| Get Rewards on the Application | Apply & get Rs.1500/- + Flat Rs..150 |
| Additional Rewards | Worth Rs.1350/- |
| International Spends | 2% Worth Rewards |
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3. Cashback SBI Credit Card
The SBI Cashback Credit Card offers, in comparison to other cashback credit cards on the market, the highest cashback rate on online purchases, at 5%. The fact that there are no merchant limits also distinguishes this card. As a result, regardless of the website where you make a purchase, you receive cashback. Since many cards that promise large cashback typically only allow use on a few platforms, this is improbable. Additionally, because the cashback is instantly deposited into the card account, using this card to redeem rewards is considerably simpler.
Cashback SBI Credit Card Annual Fee Details
| Description | Charges |
| SBI Cashback Credit Card Annual/ Joining Fee | Rs.999/- |
| Add-on Fee (per annum) | Nil |
| Total Outstanding Charges | 5% |
4. Flipkart Axis Bank Credit Card – Best Cashback Offers on Shopping
One of India’s top co-branded credit cards is the Flipkart Axis Bank Credit Card. Due to the fact that it offers 5% cash back on all purchases made on the above platforms, it is most suitable for frequent customers of Flipkart and Myntra. Additionally, 4% cashback is available at additional retailers including ClearTrip, PVR, Uber, and Cure. Fit is also available. The three extremely popular categories of shopping, travel, and lifestyle are therefore basically covered by this card. Similar cards, such as Amazon Pay and Paytm SBI Cards, offer fantastic advantages on their respective platforms as well as with a few affiliate retailers.
To make the card more useful, the partner merchants on Flipkart Card are among the most well-known in their respective categories. These are the best cashback credit card offers provided by Flipkart Axis Bank Credit Card.
Flipkart Axis Bank Credit Card Annual Fee Details
| Description | Charges |
| Flipkart Axis Bank Cashback Credit Card Annual/ Joining Fee | Rs.500/- |
| Add-on Fee (per annum) | Nil |
| Card Replacement Fee | Nil |
| Cash Payment Fee | Rs.100/- |
| Mobile Alerts for Transaction | Free |
5. HSBC Cashback Credit Card – Best Offers to Avail
For all purchases made online, the HSBC Cashback Credit Card offers an unlimited 1.5% cashback, and for all other purchases, it offers 1% cashback. As a result, you can get more cashback if you spend more. This unlimited cashback credit card offers much more than this. For people who enjoy shopping online but don’t want to be constrained to a specific website, this works quite well.
The card covers practically all of the well-known categories, such as travel, dining, shopping, lifestyle, etc., as long as you make your payment online. This is because it pays you for “online” expenses. Although rival cards, such as the Axis Ace and Flipkart Axis, provide better rates at a cheaper annual fee, the 1% flat reward on offline purchases is still a fantastic deal. However, HSBC Visa Platinum Credit Card is the best cashback credit card in India with no annual fee.
HSBC Cashback Credit Card Fee Details
| Description | Charges |
| HSBC Cashback Credit Card Joining Fee | Rs.500/- |
| Add-on Fee (per annum) | Nil |
| Introductory Offers | On transaction value of Rs.2500/- |
6. HDFC Millennia Credit Card
With regard to online shopping, travel, wallet filling, and other offline transactions, HDFC Millenia provides generous cashback in numerous categories. On renowned websites like Flipkart and Amazon, you will receive 5% cashback. Cashback credit card HDFC offers additional rewards that are uncommon among cashback credit cards, such as cashback on EMIs and wallet filling. The many benefits that this card offers are excellent value for those looking for cashback and discounts at a cost of Rs. 1,000 per year.
The only limitation of this card is that you can only receive cashback if your purchases in that category exceed a certain threshold. Therefore, people who frequently make large purchases on their cards will find that this card is the best option.
HDFC Millennia Credit Card Annual Fee Charge Details
| Description | Charges |
| HDFC Millenia Credit Card Joining Fee | Rs.1000/- |
| Renewal Membership Fee | Rs.1000/- |
| Cash Advance Limit | 40% Credit Card Limit |
7. Paytm SBI SELECT Credit Card
Users of Paytm would benefit greatly from the Paytm SBI Select Credit Card, both in terms of the Paytm First Membership perk and the cashback offered across various categories. When using the card on Paytm Mall and other offline/online platforms, it delivers instant cashback and additional discounts. When purchasing travel or movie tickets, Paytm SBI Select card users can receive up to 5% cashback. All other purchases, whether made offline or online, are subject to a 1% minimum reward offer. Even though there is a conventional version of the card, we advise using the “Select” version if you qualify because it offers greater rewards on Paytm purchases. With both cards, the basic rate is identical though.
Paytm SBI Select Credit Card Annual Fee Details of 2024
| Description | Charges |
| Paytm SBI Select Credit Card Joining Fee | Rs.1499/- |
| Add-on fee (per annum) | Nil |
| Total Outstanding Charges | 5% |
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Wrap Up
What credit card gives the highest cashback or what is the best credit card for cashback rewards? This article answers all your queries regarding which credit card offers cashback and how many offers you can get on these credit cards. The amount of value returned on each of these cards has been the primary requirement. This article also discusses many spending categories, including those having extensive payback benefits across a variety of categories. These include grocery, petrol, and store purchases. Many people’s demands can be met by the majority of the cards on this list because they have “low to moderate” charge ranges. The top credit card offers with cashback are summarised in this article.
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