Cashback credit cards in India with maximum rewards are an excellent choice for individuals looking to save money on their everyday expenses. These credit cards offer attractive cashback rewards for various categories, such as online shopping, groceries, dining, and utility bill payments. Several options are available for users to maximise their savings and enjoy additional benefits. These include the Axis Bank Ace Credit Card, Amazon Pay ICICI Credit Card, and HDFC Millennia Credit Card. When you carefully consider the cashback rates, annual fees, and additional perks of these cards, you can make a well-informed decision and choose the card that best suits your spending habits.
Top 10 Credit Card in India for 2024
HDFC Bank Millennia Credit Card
The HDFC Bank Millennia Credit Card provides cashback and rewards on platforms like Amazon, BookMyShow, and Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. In addition, it offers a 1% cashback on all purchases except fuel, including EMI and wallet transactions. Customers who purchase ₹1,00,000 or more in a calendar quarter will qualify for ₹1,000 gift vouchers. Furthermore, selected restaurants offer customers a generous 20% discount through the Swiggy Dineout program. The card enables contactless payments, guaranteeing quick, hassle-free, and safe transactions. Starting January 1st, 2023, rent payments and government-related transactions will not earn reward points.
Cashback SBI Card
The Cashback SBI Card has an impressive cashback program that lets you earn up to ₹5,000 in cashback within a single statement cycle. This card is designed to reward your spending, offering a 5% cashback on online transactions and 1% on offline purchases. You will receive rewards for the upcoming month. In addition to its other benefits, the card grants you access to airport lounges and exemptions from fuel surcharges.
Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card offers a variety of perks for lifestyle and dining expenses, making it a convenient choice for a virtual credit card. Flipkart offers unlimited cashback rates on their platform, including a 4% cashback on popular merchants like Uber, Swiggy, PVR, Tata Play, and Curefit. In addition, there is a 1% cashback offer for other eligible categories. Upon making your first transaction, you will receive a substantial Rs. 600 in activation benefits and Rs. 500 worth of Flipkart vouchers. In addition, you will enjoy a generous 50% instant discount on your initial Swiggy order by applying the code “AXISFKNEW.” In addition to its numerous benefits, the card offers airport lounge access, a fuel surcharge waiver on fuel purchases at all fuel stations across India, and a delightful 15% discount on dining at over 10,000 partner restaurants. Contact your bank if you wish to convert purchases over Rs. 2,500 into EMIs. Unfortunately, the annual fee waiver does not apply to rent and wallet load transactions. Apply for the card online and earn accelerated cashback in your favourite categories.
Swiggy HDFC Bank Credit Card
 "best cashback rewards credit cards")
The Swiggy HDFC Bank Credit Card provides attractive cashback rates on various spending categories, including Swiggy orders, online purchases, and other transactions. Users are given a complimentary Swiggy One Membership for 3 months upon activating their card. This membership offers a wide range of unlimited benefits, such as complimentary delivery and exclusive discounts. The card offers zero liability for lost cards, interest-free credit for up to 50 days and the option to carry a balance at a low interest rate. Starting June 21st, 2024, the method for redeeming cashback will be updated to statement credit. However, Swiggy Money will continue to be available within the Swiggy App. Explore the benefits of the Swiggy HDFC Bank Credit Card and start enjoying the tempting rewards!
Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card is an excellent choice for online shoppers, especially Amazon Prime members. It provides a free card for life without any annual or joining fees. The card offers unlimited reward points that can be redeemed for one Rupee and credited to your Amazon Pay balance monthly. Amazon Prime members have the opportunity to earn cashback on a variety of transactions. This includes 5% cashback on purchases made at Amazon India, 2% on payments to over 100 partner merchants, and 1% on other expenses such as shopping, dining, insurance payments, and travel costs. Apply now for a seamless online shopping experience.
Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card offers a range of benefits to enhance your everyday spending experience. The app provides appealing cashback deals on a variety of transactions. Get 5% cashback on bill payments and DTH recharges made through Google Pay, 4% on Swiggy, Zomato, and Ola transactions, and 1.5% on all other spends. Furthermore, customers can enjoy four complimentary lounge visits per calendar year at select domestic airports. A 1% fuel surcharge waiver is available for purchases ranging from ₹400 to ₹4,000 at all fuel stations across India. Customers can enjoy a substantial discount of up to 15% when dining at over 4,000+ partner restaurants in India. EMIs are available for purchases over ₹2,500.
HSBC Visa Cashback Credit Card
The HSBC Visa Cashback Credit Card offers a variety of cashback rewards, including 10% accelerated cashback on dining, food delivery, and grocery expenses, as well as 1.5% unlimited cashback on all other costs. The card comes with an annual fee of ₹999, but you can waive it if you spend more than ₹200,000 per year. Furthermore, it provides four complimentary visits to domestic airport lounges annually and safeguards against liability for lost cards. Customers can conveniently apply online and easily verify themselves through video to receive a generous Amazon e-gift voucher worth ₹250. Furthermore, if you earn a minimum of ₹10,000 in the initial 30 days, you will be rewarded with additional vouchers valued at ₹1,000. The offer will no longer be valid after June 30, 2024.
Standard Chartered Smart Credit Card
The Standard Chartered Smart Credit Card offers an impressive 6% cashback rewards program that covers a variety of everyday merchants. In addition, it removes all annual fees for cash withdrawals, making it an excellent option for savvy shoppers. Transactions can be converted into interest-free EasyPay Instalments for 3 months, with no extra service charges. The card offers cashback on everyday expenses, including fast food, coffee, digital subscriptions, and daily commutes via Bus and MRT. Customers who successfully apply for the card and make a minimum spend of S$588 within 30 days of approval will be rewarded with a substantial cashback of S$288. Discover the advantages of the Standard Chartered Smart Credit Card and start making smarter shopping decisions by applying today.
HDFC MoneyBack Credit Card
The HDFC MoneyBack Credit Card is a card that offers immediate cashback on every transaction, making it an excellent option for saving money. The card has various appealing features, including cashback rewards, a welcome benefit, a quarterly spend-based benefit, a fuel surcharge waiver, exclusive dining privileges, and the convenience of contactless payment. The rewards offered are genuinely remarkable. This offer includes earning 2 CashPoints for every ₹150 spent on other categories, receiving 500 Cash Points when you pay your membership fee, enjoying gift vouchers worth ₹500 for spends of ₹50,000 and above, getting a 1% fuel surcharge waiver on fuel transactions, and even having exclusive dining privileges at partner restaurants through Swiggy Dineout. Effective January 1st, 2023, reward points will no longer be accrued for rent payments and government-related transactions. Discover the ease of earning cashback on your daily expenses with the HDFC MoneyBack Credit Card.
Conclusion
Choosing the right cashback credit cards can significantly enhance your savings by offering rewards on various spending categories. With a thorough grasp of the features and benefits of each card, you can make a well-informed decision that aligns perfectly with your financial goals and lifestyle. Cashback credit cards provide monetary benefits, convenience, and added value through discounts and exclusive offers. Make an informed decision to maximise your financial benefits by selecting the best cashback credit card available in India.
Save More with the Best Cashback Credit Cards with Maximize Rewards in India for 2024!
