Top 10 Cashback Credit Cards in India in 2025
Want cash in return for spending some cash? Indeed, Cashback credit cards are made for you! The return does not come in form of any reward or mile point, but 1 to 6 percent of your total spending is transferred back to your account.
Taking a gander at a wide perspective, there are the following three types of credit cards available in the Indian Market:
1. Flat-rate cashback credit cards
2. Tiered cashback reward cards.
3. Bonus category cash back credit cards.
Here's a list of Top 10 Cashback Credit Cards for the year 2025:
- Joining and renewal fee of Rs. 999
- The Network used: Mastercard
- Maximum cashback benefits on grocery and movie ticket expenditure
With the minimum earning required of Rs. 5.5 lakh per annum, this is the credit card that comes with a NIL processing fee and many flexible repayment options. And an assured cashback on each retail spending. Credit card owners and assured a cashback ranging from 0.75% to 5% of the amount spent.
- Joining and renewal fee of Rs. 5,000
- Free lounge access available
- The Network used: Mastercard
With this credit card, you can get Rs. 10,000 cashback as the welcome bonus. This card can offer you up to 5 reward points (1 reward point = Rs.1) on every Rs. 150 spent. With a whopping 3.3% reward rate, you can avail many cashback benefits from this card.
- Joining and renewal fee of Rs. 750
- The Network used: Mastercard
- Fuel surcharge waiver is also available
This is a unique card just because no minimum income required is announced by the issuer i.e. Bank of Baroda. This could prove to be the best credit card for all the students out there looking for a viable card with benefits that they can avail of in the form of cashback.
- Joining fee of Rs. 1,999
- A renewal fee of Rs. 299
- The network used: VISA
This credit card can offer you up to 10% cashback on dining and movies. Welcome offers are also available for the new users in form of 2 BookMyShow vouchers worth Rs. 200 each. And the cherry on the cake is that the cashback offers can also be availed on online food delivery partners like Swiggy and Zomato.
- A Renewal fee of Rs. 499
- The Network used: VISA
- Avail of 1 free PVR movie ticket every month when you spend Rs. 10,000 and above in a monthly billing cycle
If you are the one who loves to go to the movie theatres frequently, then this is the best-suited card for you. Card users can get up to 24 movie tickets per annum by the use of this card in addition to the benefits issued by the PVR in form of cashback and free tickets to their loyal customers.
- Joining and Renewal fee of Rs. 1,000
- Free lounge access also available
- The Network used: Mastercard
The applicants for this card should have a minimum credit score of 750. On spending of Rs. 150/-, you can earn up to 4 reward points using this credit card and 1 reward point = Rs. 0.30/-. Using this card, you can enjoy benefits through dining and flying, etc.
- Joining and renewal fee of Rs. 2,999
- Free airport lounge access available
- The Network used: VISA
SBI card prime is one of the best credit cards one can get issued. With cashback benefits received on the grocery expenditure and other shopping expenses. You can get coupons and vouchers from different brands from time to time depending upon your spending style. A good credit score is a must for applying for this card.
- Joining fee of Rs. 1,499
- A Renewal fee of Rs. 749
- The Network used: VISA
This is one of the best grocery credit cards one can get in India issued by the KOTAK MAHINDRA BANK. You can avail of up to 10 saving points on every Rs. 100/- spent on grocery and other departmental expenditures. 1 saving point = Rs. 1/-. You can redeem those saving points in various means like cashback, vouchers, free coupons, and so on.
- The joining fee is Rs. 5,000 and the Renewal fee is Rs. 3,000
- Free lounge access available
- The Network used: VISA
You get 100 welcome points on the first transaction. And also earn up to 50% cashback on movie ticket spending. Many benefits are available using these credit cards mainly in the form of cashback and Axis points which can be redeemed.
- Joining fee of Rs. 45,000
- Free airport lounge access also available
- The Network used: Mastercard
This is sure an expensive card to own but comes with various giant cashback offers and benefits. You can choose your welcome benefits from the options available to you. If you are fond of playing golf, then this card also offers you Golf programs in which you can get access to some of India’s most expensive and premium golf courses and clubs. You can also earn up to 1 reward point for every Rs. 100 spent through this card.
To know more and apply for IndusInd Credit Cards please click here
Conclusion
You should go through all the best available credit cards before applying for one. Good CIBIL and credit score make the whole process of getting a card way much easier. With credit cards, comes hidden charges and taxes. You should always read all the terms and conditions before applying for one. Always spend wisely and don’t overspend because at the end of the day, it is you who have to pay for all your expenses and not any of the banks or the credit card issuers. Stay safe and do not share your credit card details or pin with anyone.
