Cashback is the simplest reward there is: a percentage of what you spend comes straight back. There is no redemption catalogue, no point devaluation and nothing to remember. Check the monthly cap — most cards limit cashback to ₹500–₹1,000 a month.
HDFC Millennia Credit Card
HDFC Bank- 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber and other partners
- 1% cashback on all other spending
- 8 complimentary domestic lounge visits a year
SBI Cashback Credit Card
SBI Card- 5% cashback on all online spending, with no merchant restriction
- 1% cashback offline
- Cashback credited automatically to the statement
Amazon Pay ICICI Credit Card
ICICI Bank- Lifetime free — no joining or annual fee
- 5% back for Amazon Prime members on Amazon, 3% for non-members
- 2% back on partner merchants, 1% everywhere else
Not sure which card fits?
Tell us where you spend and an advisor will tell you which card actually pays for itself.