Get the Most out of Your Shopping: Top 10 Cashback Credit Cards in India

Having the right credit card as per your requirement can make a lot of difference in managing your finances. They not only increase your purchasing capacity but also provide you with exciting discounts and reward points. In India, there are a plethora of credit cards available. All of them claim to be the best and offer unique features and benefits.

Due to the large number of available options, it can be overwhelming to find the perfect credit card that matches all of your needs. To help you out, we are providing this guide to the Top 10 Credit Cards in India in 2024. Go through our carefully created list to select the card that is ideal for you.

10 Best Credit Cards in India in 2024

S. No.Name of the Credit CardOur Review
1Indus Easy Credit Card (Legend)Best for converting points into cash
2ICICI MakeMyTrip Signature Credit CardBest for Frequent Travellers
3First Citizen Citi Credit CardGreat Choice for Frequent Shoppers
4IDFC First Bank – First Millennia Credit CardReward points that never expire
5Flipkart Axis Bank Credit CardBest for Shopping on Flipkart and Myntra
6HDFC Bank Diners Club Privilege Credit CardBest for Diners and Frequent users of Swiggy and Zomato
7HSBC Bank Smart Value Credit CardAmazing All-Round Choice
8CashBack SBI CardBest SBI Card for Cashback
9Kotak Mahindra Essentia Platinum CardBest Credit Card for Grocery Shopping
10AU Small Finance Bank Altura Credit CardGreat Introductory Offers

Details of Top 10 Best Credit Cards in India

Indus Easy Credit Card (Legend)

Name of the cardIndus Easy Credit Card
Join FeesNil
Annual Renewal FeesNil
Benefits1% Fuel Surcharge Waiver, Buy 1 Get 1 Free Movie Ticket On BookMyShow, 2x Reward Points on weekends Spends
Apply for the Credit

Indus Easy Credit Card (Legend) is a great choice for those who want to earn exciting prizes for the money they spend. This card offers amazing benefits like the flexibility to choose from multiple reward plans. Plus, it is a lifetime free card with no joining fee. So, you won’t have to spend anything to get this card.

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ICICI MakeMyTrip Signature Credit Card

Name of the cardICICI MakeMyTrip Signature Credit Card
Join FeesRs. 2500+GST
Annual Renewal FeesNil
BenefitsMMT Holiday Voucher Worth Rs. 2500/-, MMTBLACK Loyalty Program, Earn as much as 40,000 reward points (My Cash) using the card for travel needs.
Apply for the Credit

If you are a frequent traveller then ICICI MakeMyTrip Signature Credit Card can give you benefits worth more than Rs. 40000/-. It is offered in partnership with Make My Trip, one of India’s most reputed online travel booking sites. So, you can expect some great benefits. However, you will have to pay Joining fees of Rs. 2500/- + GST.

First Citizen Citi Credit Card

Name of the cardFirst Citizen Citi Credit Card
Join FeesNil
Annual Renewal FeesZero on annual spend of Rs. 30,000
BenefitsFirst Citizen Points worth Rs. 300/- on your first spend, 1% fuel surcharge waiver, Instant reward points on various brands
Apply for the Credit

This credit card is specifically for those who like to spend a lot on shopping. It provides great cashback on shopping from brands like Shoppers Stop, Homestop, Arcelia, M.A.C, Clinique, Bobbi Brown, Estee Lauder, Jo Malone & Smashbox, etc.

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IDFC First Bank – First Millennia Credit Card

Name of the cardIDFC First Bank – First Millennia Credit Card
Join FeesNil
Annual Renewal FeesLifetime Free
BenefitsInterest-free cash withdrawals
Apply for the Credit

All of us hate when our reward points expire. This lifetime free credit card from IDFC First Bank offers unlimited reward points that remain valid for a lifetime. In addition to this, you will get a welcome voucher worth Rs. 500/- if you spend Rs. 15000/- or more within 90 days of getting your card. Additional benefits include 25% discount on movie tickets up to Rs.100/- on the Paytm mobile app, Complimentary Roadside Assistance worth Rs. 1,399/-, 300+ Merchant offers, Lost Card Liability Cover of Rs. 25,000/-   

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Flipkart Axis Bank Credit Card

Name of the cardFlipkart Axis Bank Credit Card
Join FeesRs. 500/-
Annual Renewal FeesRs. 500/-
Benefits5% cashback on Flipkart & Myntra, 4 complimentary lounge visits to select airport lounges within India in a year
Apply for the Credit

Say Goodbye to waiting for Flipkart and Myntra Sales. With this special credit card, you can get a 5% discount in the form of cashback on all purchases on Flipkart. As a welcome benefit, you will get a Flipkart Voucher of Rs. 500/- on your first transaction with this card.

HDFC Bank Diners Club Privilege Credit Card 

Name of the cardHDFC Bank Diners Club Privilege Credit Card
Join FeesRs. 2500/- + Applicable Taxes
Annual Renewal FeesRs. 2500/- + Applicable Taxes
Benefits5X Reward Points on Swiggy and Zomato, “Buy 1 Get 1 Free” on movie/non-movie weekend tickets via BookMyShow, Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit
Apply for the Credit

This card is designed for those who spend a large amount on dining and food delivery apps like Swiggy and Zomato. You will earn 20 reward points for every Rs. 150 spent on Swiggy and Zomato. Here, 1 reward point is equal to 50 paise.

HSBC Bank Smart Value Credit Card

Name of the cardHSBC Bank Smart Value Credit Card
Join FeesNil
Annual Renewal FeesNil
Benefits10% cashback (up to INR1,000) after making at least 5 purchases, Up to Rs. 3000/- annual savings on fuel surcharge, Earn 1 reward point for every INR100 you spend, Earn 3X rewards on dining, telecom, and online purchases
Apply for the Credit!/app/journey/contact-details-SVC

From Amazing reward points to discounts on fuel surcharges, HSBC Bank Smart Value Credit Card has everything that we expect from an all-rounder credit card. It offers 3 times rewards on dining & online purchases with zero joining and annual fees.

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CashBack SBI Card

Name of the cardCashback SBI Card
Join FeesRs. 999/-
Annual Renewal FeesRs. 999/- (Will be reversed on an annual spend of Rs. 200000/-
Benefits5% cashback on online spending without any merchant restriction, 1% cash back on offline spends
Apply for the Credit

If you want an SBI card and looking for the best cashback offers then you may go for the Cashback SBI Card. This card can give you a flat 5% cashback on all your online spending. Plus, there is no merchant restriction regarding the same. So, you can use this card on any online platform.

Kotak Mahindra Essentia Platinum Card

Name of the cardKotak Mahindra Essentia Platinum Card
Join FeesRs. 1499/- + GST
Annual Renewal FeesRs. 749/- + GST
Benefits10% Savings on Departmental & Grocery Store spends, Priority Attend
Apply for the Credit

If you spend Rs. 1500/- or more every month on your grocery shopping then this card is the best choice for you. It is so because it offers flat 10% savings on all departmental & grocery store spending. In case you spend Rs. 1,25,000/- in 6 months then you will get 12 free PVR tickets.

AU Small Finance Bank Altura Credit Card

Name of the cardAU Small Finance Bank Altura Credit Card
Join FeesRs. 199/- + Taxes
Annual Renewal FeesRs. 199/- + Taxes
BenefitsUp to 7% cashback as an introductory offer, lost card liability cover, free insurance, and extended warranty on mobile and electronic purchases
Apply for the Credit

AU Small Finance Bank is a new bank offering some exciting introductory discounts and products. One such product is Altura Credit Card. With this card, you get benefits like complimentary Railway Lounge Access, Lost Card Liability Cover, Free insurance on mobile purchases, etc.  

Frequently Asked Questions

How can I apply for a credit card in India?

You can apply for a credit card in India either through the bank’s official website or by visiting a branch in person.

What factors should I consider when choosing a credit card ?

You should consider the following factors while choosing a credit card in India – annual fee, interest rates, rewards program, cashback offers, welcome bonuses, customer service, acceptance at various merchants, etc.

Are credit cards safe for online transactions?

Yes, they are generally safe to use for online transactions.

How can I maintain a healthy credit score with my credit card?

You can do that by paying your monthly bills on time, keeping your credit utilization ratio low, avoiding maxing out your credit limit, etc.

Are there any annual fees associated with credit cards?

Yes, some cards do have annual fees associated with them. You should read the terms and conditions carefully before selecting a card.

We have created this list of the top 10 credit cards in India carefully by going through the offers of 100s of credit cards. Still, we request you conduct research at your end and read the terms and conditions carefully before choosing any credit card.

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