Agar aap soch rahe hain ki roz ke kharchon par bachat kaise ki ja sakti hai, to Best cashback credit card aapke liye wo samadhan ho sakte hain jo aap dhundh rahe hain. Har baar jab aap apni credit card ka istemal karte hain, to kharidari ka kuch hissa aapko cashback ke roop mein wapas milta hai. Lekin, cashback cards kayi prakar ke hai. Kuch cards sabhi category mein ek saman cashback dete hain, jabki doosre cards khaskar shopping credit card jayada cashback offer karte hai. Sahi credit card ke saath, aap apni sabse adhik kharidari par jyadase jyada paise kama sakte hain – chahe wo kirana dukan ho ya online shopping.
In this Article
Best cashback credit cards in India for November 2023:
| Credit Card | Best For | Annual Fee |
|---|---|---|
| Cashback SBI Card | Online Shopping | Rs. 999 |
| Axis Bank ACE Credit Card | Utilities and Food Orders | Rs. 499 |
| Flipkart Axis Bank Credit Card | Co-branded Benefits | Rs. 500 |
| Amazon Pay ICICI Credit Card | Online Shopping | Nil |
| HDFC Millennia Credit Card | Benefits across Multiple Categories | Rs. 1,000 |
| Airtel Axis Bank Credit Card | Utility Bill Payments | Rs. 500 |
| Paytm SBI SELECT Credit Card | Travel and Shopping | Rs. 1,499 |
| Standard Chartered Smart Credit Card | Online Spends | Rs. 499 |
| YES Prosperity Cashback Plus Credit Card | Bill Payments | Rs. 1,499 |
| Swiggy HDFC Bank Credit Card | Co-branded Benefits | Rs. 500 |
1. Cashback SBI Card
Best cashback credit card for online shopping
Annual Fee: Rs. 999
Renewal Fee: Rs. 999 (Maaf ki jaegi agar aap saal me Rs. 2 lakh se adhik kharch karte hai)
Mukhya Labh:
- 5% cashback on online kharchon par
- 1% cashback keval offline kharcho par
- Bharat ke sabhi petrol pump par 1% fuel surcharge maaf ki jaegi
SBI Cashback Credit Card market mein dusre cashback credit cards ke mukable online shoping par sabse adhik cashback offer karta hai, 5% ki dar par. Is card ko vishesh banane wala yah hai ki yahan koi kharidari par pabandi nahi hai. Iske dwara, aap cashback kama sakte hain, chaahe aap kisi bhi website par kharidari kiye hon. Adhiktar cashback pradan karne wale anek cards aksar chuninda platform par simit rehta hai. Is card ke saath cashback redemption process bhi aasan hai, kyun ki cashback seedhe card khate mein jama ho jata hai.
2. Axis Bank ACE Credit Card
Best cashback credit card for utilities and food orders
Annual Fee: Rs. 499
Renewal Fee: Rs. 499 (Maaf ki jaegi agar aap saal me Rs. 2 lakh se adhik kharch karte hai)
Mukhya Labh:
- Google Pay ke madhyam se bill payments aur recharge par 5% cashback
- Swiggy, Zomato aur Ola par 4% cashback
- Sabhi anya vyayon par 2% cashback
- Select domestic airports par varsh mein 4 free lounge visits
- Sabhi fuel stations par 1% fuel surcharge maaf ki jaegi
- 4000+ partner restoranon par up to 20% chhut.
Axis Bank Ace Credit Card 2% flat-rate cashback ke saath aata hai, iska matlab hai ki aap apni sabhi kharidari par acchi kimat wapas kama sakte hain. Is card par Google Pay ke madhyam se ki gayi bil payment, DTH, aur mobile recharge se 5% cashback aur Swiggy, Zomato & Ola jaise vishesh apps par 4% cashback tak milta hai.
Ye sabhi category sabhi ke liye kaafi faydemand hain. Iske alawa, jyada cashback kamane ki ek adhikar seema nahi hai, jo log in sabhi jagah par aksar kharidari karte hain, unke liye yah ek bahut achha option samjha ja sakta hai. Kam varshik shulk ke saath, yah un logo ke liye ek behtareen Entry level card mein se ek hai jo apni career ki shuruaat abhi-abhi ki hai.
3. Flipkart Axis Bank Credit Card
Best cashback credit card with co-branded benefits
Annual Fee: Rs. 500
Renewal Fee: Rs. 500 (Maaf ki jaegi agar aap saal me Rs. 3.5 lakh se adhik kharch karte hai)
Mukhya Labh:
- Flipkart par 5% cashback
- Pasandeeda merchand ke saath shopping par 4% cashback
- Myntra aur Flight & Hotel bhugtan par Flipkart par nirantar 1.5% cashback
- Sabhi anya shreniyon par 1.5% cashback
- Varsh mein 4 muft domestic lounge visit
- Mahine ki Rs. 400 tak ka fuel surcharge maaf ki jaegi
- Welcome benefits worth Rs. 1,100
Flipkart Axis Bank Credit Card Bharat mein sabse achhe co-branded credit cards mein se ek hai. Iska sabse achha upayog un logon ke liye hai jo Flipkart ke active user hain, kyun ki yah aapko di gayi platform par har bar shopping karne par 5% cashback deta hai. Iske alawa, ClearTrip, PVR, Uber, aur Cure.fit jaise anya apps par bhi 4% cashback prapt kiya ja sakta hai. To saral shabdon mein kaha jaye to yah card teen bahut lokpriya category ko cover karta hai – shopping, yatra, aur lifestyle.
Amazon Pay aur Paytm SBI Card jaise saman card apne apne vishisht platformon par aur kuch sahayak apps par achhe fayde pradan karte hain.Isliye, yadi aap kisi credit card ki talash mein hain jo vibhinn shreniyon mein online shopping par Holidays par offers pradan karta hai, to yah card aapke liye hai.
4. Amazon Pay ICICI Credit Card
Best cashback credit card with co-branded benefits
Annual Fee: Koi Fee nahi.
Renewal Fee: Koi Fee nahi
Mukhya Labh:
- Amazon par Prime Customers ke liye 5% cashback
- Amazon par Non-Prime Customers ke liye 3% cashback
- 100+ partner vyapariyon par 2% cashback
- Sabhi anya vyavaharon par 1% cashback
- Bharat ke sabhi petrol pumps par fuel surcharge par 1% chhut
Amazon Pay ICICI Credit Card ek co-branded credit card hai jo aapke Amazon par ki gayi kharidari ke liye sabse adhik fayde mand hai. Amazon Prime user Amazon par ki apni kharidari par kisi bhi varshik shulk ke bina 5% cashback prapt kar sakte hain. Wahi dusri or, non-prime user Amazon par 3% cashback prapt kar sakte hain.
Cashback ke alawa, aap is credit card ke saath food-order offer, fuel surcharge maaf karne ka adhikar aur no cost EMI suvidha jaise anya suvidhaon ka bhi laabh utha sakte hain. Yadi aap Amazon se aksar online shopping karte hain aur ek card ki talash mein hain jo online shopping par labh pradan karta hai, to yah ek achha vikalp hai.
5. HDFC Millennia Credit Card
Best cashback credit card with benefits across multiple categories
Annual Fee: Rs. 1,000
Renewal Fee: Rs. 1,000 (Maaf ki jaegi agar aap saal me Rs. 1 lakh se adhik karte hai)
Mukhya Labh:
- Amazon, Cult.fit, BookMyShow, Sony LIV, Flipkart, Myntra, Swiggy, Tata CLiQ, Zomato, aur Uber par 5% cashback
- Offline kharchon aur wallet reloads par 1% cashback
- Cashback Cash Points ke roop mein kamaya jayega
- Varsh mein 8 muft domestic lounge visits
- Prativarsh calendar quarter mein Rs. 1 lakh ya usse adhik kharch kiye jaane par Rs. 1,000 ke aakarshak uphaar vouchers
- Swiggy Dineout ke madhyam se partner restoranon par up to 20% chhut.
HDFC Millenia credit card hame kai shreniyon par discounts offer karti hai, jaise online shopping, yatra, wallet loading, aur anya offline spends. Aapko lokpriya websites jaise Amazon aur Flipkart par 5% cashback milega. Is card ke saath aap EMIs aur wallet loading par bhi cashback prapt kar sakte hain, jo cashback credit cards ke beech aam nahi hai.
Saalana shulk Rs. 1,000 mein, is card ke dvara de jaane waali anek cashback offer khojne vaalon ke liye ek kaafi achha upay hai. Is card ka ekmatra drawback yah hai ki cashback tabhi pradan kiya jaata hai agar aap us vishesh shreni mein ek pehle se tay ki gayi rakam ko paar karte hain. Isliye, yah card un logon ke liye ho sakta hai jo aam taur par card par adhik kharedari karte hain.
6. Airtel Axis Bank Credit Card
Best cashback credit card for utility spends & Airtel customers
Annual Fee: Rs. 500
Renewal Fee: Rs. 500 (Maaf ki jaegi agar aap saal me Rs. 2 lakh se adhik karte hai)
Mukhya Labh:
- Airtel Mobile, Broadband, WiFi aur DTH ke bil bhugtan par Airtel Thanks app ke madhyam se 25% cashback
- Zomato, Swiggy, BigBasket aur bijli, gas aadi ke upkaran bilon ke liye Airtel Thanks app ke madhyam se 10% cashback
- Any other kharchon par nirantar 1% cashback
- Svagat ke labh ke roop mein Amazon e-voucher Rs. 500 ki kimat
- Varsh mein 4 muft domestic lounge pravesh
- Partner restoranont par up to 20% chhut.
Airtel ke grahakon ke liye ek mahatvapurn vikalp, Airtel Axis Credit Card Airtel mobile, WiFi, DTH, aur broadband recharge ke bil payment par 25% cashback pradan karta hai. Aur iske alawa, aapke pasandeeda merchants par ki gayi kharedari par 10% cashback aur Airtel Thanks app ke madhyam se ki gayi upayogik bilon par bhi uplabdh hai, saath hi anya kharedaari par anant 1% cashback bhi diya jata hai.
Is credit card ko is kharch shreni par bachat karne ki talash karne wale logon ke liye ek mukhya vikalp mana jaata hai. Iska kam varshik shulk aur cashback ko seedha credit prativedan mein jama karne ki suvidha ise kifayati aur kathinayarahit bana deti hai. Lekin agar aap Airtel ke grahak nahi hain aur phir bhi upayogik bilon par cashback kamana chahte hain, to Axis ACE credit card, jo Google Pay ke madhyam se ki gayi upayogik bilon par cashback pradan karta hai, aapke liye ek behtar vikalp ho sakta hai.
7. Paytm SBI SELECT Credit Card
Best cashback credit card for travel and shopping
Annual Fee: Rs. 1,499
Renewal Fee: Rs. 1,499 (Maaf ki jaegi agar aap saal me Rs. 2 lakh se adhik karte hai)
Mukhya Labh:
- Paytm Mall, Movies aur Travel par 5% cashback
- Paytm app ke madhyam se anya kharidariyon par 2% cashback
- Offline aur online dukaano par ki gayi anya kharedaari par 1% cashback
- Muft Paytm First Membership Rs. 750 kimat ki.
- Swagat labh ke roop mein Paytm Wallet mein Rs. 750 cashback milega.
- Varshik retail kharch mein Rs. 4 lakh tak pahunchne par Rs. 2,000 gift voucher
- Varshik retail kharch mein Rs. 6 lakh tak pahunchne par Rs. 4,000 gift voucher
- Varsh mein 4 muft domestic lounge pravesh
- Sakriya cardholder sadasyata ke pehle do varsh ke liye US $99 ki kimat ki muft Priority Pass.
Paytm SBI Select Credit Card Paytm ke upayog kartao ke liye moulya rup se bahut jyada kimat rakhta hai, na sirf alag-alag shreniyon mein cashback ke roop mein, balki Paytm First Membership ke roop mein bhi. Isse Paytm Mall aur anya offline/online platforms par card ka upayog karne par turant cashback aur adhik bachat milti hai.
Paytm SBI Select card ke upayog kartao ko yatra ya film ke ticket booking par up to 5% cashback vishesh roop se mil sakta hai, aur offline ya online platforms par ki gayi sabhi anya kharidaari par kam se kam 1% cashback milta hai. Halaanki, yah card ek sadharan prakar mein bhi upalabdh hai, lekin agar aap yogy hain, to hum ‘Select’ prakar ko sujhate hain, kyun ki isse Paytm ki kharidari par adhik cashback milta hai.
8. Standard Chartered Smart Credit Card
Best cashback credit card for online spending
Annual Fee: Rs. 499
Renewal Fee: Rs. 499 (Maaf ki jaegi agar aap saal me Rs. 1.2 lakh se adhik karte hai)
Mukhya Labh:
- Online vyavaharon par 2% cashback (adhikatr. Rs. 1,000 har mahine)
- Sabhi anya kharch par 1% cashback (adhikatr. Rs. 500 har mahine)
- Byaj-mukt credit awadhi 90 din tak
- Rs. 2,000 ya usse adhik ki kharidari ko EMI mein parivartit karne ki suvidha.
Standard Chartered Smart Credit Card aapko online kharedaari par 2% cashback aur sabhi anya kharedaari ke liye 1% cashback pradan karta hai. Is credit card ke saath hi aapko 90 din tak ki vistarit bina byaj ki avadhi ke saath anya labh bhi pradan kiye jaate hain, jaise EMI parivartan, contactless bhugtan, OTP verification, aur adhik.
Achhi baat yah hai ki aap apne Standard Chartered Smart Credit Card ke adhar par Rs. 5 lakh tak ke vyaktigat loan mil sakta hai. Aakarshan lagane wali baat yah hai ki aap is credit card ke liye aavedan kar sakte hain yadi aap aksar online kharedaari karte hain aur aap ek kam varshik shulk wala credit card ki talash kar rahe hain jo online kharedaari par samanya cashback pradan karta hai.
9. YES Prosperity Cashback Plus Credit Card
Best cashback credit card for all your bill payments
Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499
Mukhya Labh:
- Movie ticket booking aur grocery shopping par 5% cashback*
- Sabhi anya dukano pe kharch par 0.75% cashback*
- YES PayNow ke madhyam se bilon par 5% cashback*
- Card pradan kiye jaane ke pehle 30 dino mein Rs. 2,500 kharch karne par Rs. 250 ka svagat cashback*
- Bharat ke sabhi fuel stations par 1% fuel surcharge maaf ki jaegi.
YES Prosperity Cashback Plus Credit Card rent bhugtan, mobile recharge, telephone ka bil bhugtan, gas aur bijli ka bil bhugtan agar aap YES Bank ke PayNow seva ke madhyam se karte ho to 5% cashback milta hai. Iske alawa, kirana saman par 5% cashback bhi hota hai.
Ek aur card jiska saman laabh hai, wo hai Axis Ace aur ismein ek adhik cashback dar hai, 2%, jisse YES Prosperity Cashback ko harata hai. Lekin, agar aap Axis Bank Ace Credit Card ke liye yogy nahin hain lekin vishesh roop se ek card ki khoj kar rahe hain jo har mahine aapko vishesh roop se adhik upkaran ke bilon ke liye offers deta hai, to YES Prosperity Cashback ek uttam vikalp ho sakta hai.
10. Swiggy HDFC Bank Credit Card
Best cashback credit card with co-branded benefits
Annual Fee: Rs. 500
Renewal Fee: Rs. 500 (Maaf ki jaegi agar aap saal me Rs. 2 lakh se adhik kharch karte hai)
Mukhya Labh:
- Swiggy app khana order karne par 10% cashback (Swiggy Instamart, Dineout aur Genie, khana order par)
- Top brands par online kharch par 5% cashback
- Dusri shreniyon par kharch karne par 1% cashback
- Card sakriyaran aur renewal par 3 mahine Swiggy One sadasyata
Swiggy HDFC Bank Credit Card woh logon ke liye upyukt hai jo aksar Swiggy ka istemal khana, kirana aur anya rojana upayog hone wali samagri online order karne ke liye karte hain ya restorant mein khana khane ka anand lete hain. top brands par kiye gaye online kharch par up to 10% tak ho sakta hai, Isse is card ko co-branded laabh aur online shopping ke liye ek mahan vikalp banata hai aur Flipkart Axis Bank aur Amazon Pay ICICI credit card ke prati ek majboot pratidvandvi banata hai. Iske alawa, card sadasyon par keval ek maamuli shulk lagaaya jaata hai, jo keval Rs. 2 lakh ke varshik kharch tak pahunch kar maaf kar diya ja sakta hai.
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Cashback ke liye behtar credit card ka chayan card ka istemal karne ke tarike par nirbhar karta hai. Kyunki credit card ke labh aam taur par ek ya do vishesh shreniyon ki or jhuke hote hain, isliye kisi bhi prakar ke card ka chayan karte samay apni avashyakta ko samajhna mahatvapurn hai. For example, agar aap card ka mukhya roop se kirana kharedaari ke liye istemal karne ka iraada rakhte hain, to Standard Chartered Manhattan Platinum Credit Card aapke liye accha hoga. Lekin agar aap fuel kharch ke liye puraskrit kiya jaana chahte hain, to unka Super Value Titanium Credit Card behtar hoga.