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Best Cashback Credit Cards

These cards give you real cashback — directly credited to your statement balance. No reward points to redeem, no complicated calculations.

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Top Picks

Best Cashback Credit Cards — Top 4

SBI Cashback
5% all online, 1% offline
Fee: ₹999/year · Min Score: 720+
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Axis ACE
5% utility bills, 4% Swiggy
Fee: ₹499/year · Min Score: 700+
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Kotak 811
2% all spends
Fee: Lifetime Free · Min Score: 650+
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HDFC Millennia
5% top platforms, 2.5% others
Fee: ₹1,000/year · Min Score: 700+
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FAQ

Frequently Asked Questions

Which is the best credit card best cashback credit cards?
Top picks include SBI Cashback, Axis ACE, Kotak 811. The right choice depends on your spending pattern and income.
Does applying for a credit card hurt my CIBIL score?
A hard enquiry reduces your score by 5-10 points temporarily. Apply only when you have a strong score and avoid multiple applications at once.
How long does it take to get a credit card?
Digital-first issuers like OneCard and IDFC FIRST approve in 24-48 hours. Traditional banks take 5-10 working days.