Best Credit Card with Cash Back 2022
List of Best Credit Card for Cash Back in India
- Axis Bank ACE Credit Card
- Citi Cash Back Credit Card
- Flipkart Axis Bank Credit Card
- HDFC Millennia Credit Card
- HSBC Cashback Credit Card
- Standard Chartered Manhattan Platinum Credit Card
Credit Card | Best For | Annual Fee (INR) | Best Features |
---|---|---|---|
Axis Bank ACE Credit Card | Bill Payments & Food Orders | 499 | 5% cashback on all bill payment 4% cashback on Swiggy, Ola and Zomato |
Citi Cash Back Credit Card | Movies & Bill Payments | 500 | 5% cashback on purchases movie ticket, telephone and utility bill payments |
Flipkart Axis Bank Credit Card | Shopping | 500 | 5% cashback on Flipkart and Myntra 4% cashback on Swiggy, Uber, PVR and cure.fit |
HDFC Millennia Credit Card | Shopping & Bookings | 1000 | 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings & other shopping |
HSBC Cashback Credit Card | Multiple Categories | 750 | Unlimited cashback on all the transaction |
SC Manhattan Platinum Credit Card | Grocery & Supermarkets | 999 | 5% Cashback on all Grocery, Supermarkets and Departmental store spends |
6. Standard Chartered Manhattan Platinum Credit Card

SC Manhattan Platinum Credit Card
No Joining fees, Annual fees- ₹999
Earn Cashback
- 5% Cashback on all Grocery, Supermarkets and Departmental store spends (Cashback applicable on minimum transaction of INR 1000 - Max cashback of INR 500 per Month)
Reward points
- 3 Reward Points per INR 150 Spend
Extra benefit
- 25% off on INOX movie tickets and food & beverages
- BookMyShow vouchers worth Rs. 2,000 as activation benefit
- You should be age between 18 to 67 years
- Applicants should be good monthly income
- Applicants should belong to credit card sourcing cities/locations of the Bank
- Joining and Renewal Fee Rs. 999
-
Renewal fee reversed on spends greater than INR 120,000 in the previous year
5. HSBC Cashback Credit Card

HSBC Cashback Credit Card
No Joining fees, Annual fees- ₹750
Cashback
- Unlimited cashback on all your transactions
- 1.5% cashback on all online spends
- 1% on all other spends
Amazon Vouchers
- 5% discount on spending INR 1,000 or above
- Maximum discount of INR 250 per card per month
- Big Basket, Myntra, Ajio vouchers available upto INR 600
Dining Benefit
- Up to a 15% discount at over 1,000 restaurants across major cities
Fuel Surcharge Waiver
-
- 1% fuel surcharge waiver at all fuel stations across India
- 1% fuel surcharge waiver at all fuel stations across India
Lounge Access
-
3 complimentary airport lounge access at domestic and international lounges or 3 meal-vouchers
Milestone Benefit
- Buy-one-get-one-free movie tickets on Saturdays in BookMyShow
- 15% instant discount on select products in Lifestyle, Electronics and Luxury Categories in Tata CLiQ
Extra Benefit
- 50% discount on first transaction on Google Pay
- You should be between the age of 18 to 65
- Salaried or self-employed both are eligible
- Annual income must be at least INR400,000 (salaried & individuals)
- Must be an Indian resident
- Available cities are: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune
- No Joining Fees
- Annual fees Rs. 750, will be reversed if your total annual spend Rs. 100,000
4. HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card
Joining and Annual fees- ₹1000
Earn Cashback
-
- 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
- 2.5% CashBack on all online spends (minimum transaction size of ₹2000)
- 1% CashBack on all offline spends and Wallet reloads (minimum transaction size of ₹100)
Welcome Gift
-
- 1000 Cash Points (only on payment of membership fee)
- 1000 worth gift vouchers on spends of ₹1,00,000 and above (quarter, first year only)
Fuel Surcharge Waiver
-
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400
Lounge Access
-
- 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access)
- 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter. ₹2 will be charged per swipe on your Millennia credit Card towards Lounge access)
Milestone Benefit
-
- Spend ₹30000 & above in the first 90 days and get first year waived off memebership fee
- Spend ₹30000 & above in the first 90 days and get first year waived off memebership fee
Extra Features
- Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
- 50 days of interest free period
- You should be between the age of 21 to 60 years Salaried Person
- You should be between the age of 21 to 65 years self-employed Person
- Salaried or self-employed both are eligible
- Salaried person Gross Monthly Income above ₹25,000
- Self-employed gross Income ₹6.0 Lakhs per annum
- Joining & Renewal Fees – ₹1000+ Applicable Taxes
- Spend ₹1,00,000 in a year, before your Credit Card renewal date, get your renewal fee waived off
3. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card
Joining fee INR 500 and No annual fees.
Earn Cashback
- 5% cashback on Flipkart and Myntra
- 4% cashback on prefered partners (Swiggy, Uber, PVR and cure.fit)
- 1.5% cashback on other categories
Welcome Gift
- Rs. 1000 worth of joining and activation benefits
- Rs. 500 worth Flipkart vouchers on your first transaction
- 15% cashback up to Rs. 500 on your first transaction on Mynta
Fuel Surcharge Waiver
- 1% fuel surcharge waiver at all fuel stations
Airport Lounge Access
- 4 complimentary lounge visits to selected airport india
Dining Delights
- Up to 20% off partner restaurants in india
- You should be between the age of 18 and 70 years
- Salaried or self-employed both are eligible
- Salaried person monthly income of Rs. 15,000 or more
- Self-employed monthly income of Rs. 30,000 or more
- individual should either be a Resident of India or a Non-Resident Indian
- Joining and Annual fees Rs. 500
- Annual fee waived off on annual spends more than Rs. 2 lakhs
2. Citi Cashback Credit Card

Citi Cashback Credit Card
Joining and Annual fees- ₹500
Cashback
-
- 5% cashback on purchases movie ticket, telephone and utility bill payments
- 0.5% cashback on all other spends
- (Cashback automatically credited to statement in multiples of ₹500)
Dining Privileges
- Up to 20% savings across participating restaurants
Travel and Lifestyle Services
- Enjoy up to Rs 1000 instant savings on flights and hotels on Easemytrip
- You should be age of 18
- Salaried and Self- Employed both are eligible
- Minimum Income Rs. 25,000 per month
- Joining and Renewal Fee Rs. 500
1. Axis Bank Ace Credit Card

Axis Bank Ace Credit Card
Joining and Annual fees- ₹499
Cashback
- 5% cashback on all bill payment
- 4% cashback on Swiggy, Ola and Zomato
- 2% cashback on all other spends
Fuel Surcharge Waiver
- 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
Dining Benefit
- Up to 20% off at 4,000+ participating restaurants
Lounge Access
-
4 complimentary lounge access at domestic airports
Extra Benefit
- Best EMI options
- You should be between the age of 18 to 70
- Salaried or self-employed both are eligible
- Must be an Indian resident
- Joining Fee Rs. 499
- (Joining Fee reversed upon spends of Rs. 10,000 within 45 days of card issuance)
- Annual fees Rs. 499
- (Annual Fee waived off on annual spends greater than Rs. 2,00,000)