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India's Top Cashback Credit Cards

Cashback credit cards offer a percentage of the spending back as cash rewards. It essentially means savings on every rupee spent. Apart from cashback, credit cards often come with additional benefits like discounts on partner merchants, travel benefits, lounge access, and others, which can further enhance savings.
Image of AU Kosmo Kiwi Credit Card

AU Kosmo Kiwi Credit Card

Lifetime Free RuPay
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Issuing Bank
AU Small Finance Bank
Co-Brand
Kiwi
Reward Type
Kiwis (1 Kiwi = ₹0.25)
Reward Credit
Kiwis are credited for each UPI transaction and redeemable to any bank account
Joining Fee
FREE
Annual Fee
FREE
Domestic Lounge
0
International Lounge
0
UPI Scan & Pay
1.5% Valueback upto 1% of the credit limit per month
  • UPI Scan & Pay to merchants via Kiwi app
  • 2% with Kiwi Neon membership (₹999/year)
  • Repayments
  • Fuel
  • Jewellery
  • Cash Withdrawal
  • Wallet Load
  • Insurance
  • Education
  • Government Services
  • Rent
  • Utilities
  • EMI
  • Purchases converted to EMI Post-Facto
  • Payment of Card Fees & Other Charges (bill payments)
  • Service Stations
  • Telecom & Cable
  • Professional Services (Legal, Financial Services, etc.)
  • Any merchant which as per internal records of the Bank or Kiwi is promoting/ enabling unfair usage of credit cards or cash encashment
Neon Milestones
Upto 5% Valueback on annual spends via Kiwi app (with Neon)
  • 3% at ₹50,000 annual spend + 1 domestic lounge visit
  • 4% at ₹1,00,000 annual spend + 1 domestic lounge visit
  • 5% at ₹1,50,000 annual spend + 1 domestic lounge visit
  • Requires Kiwi Neon membership (₹999/year)
  • Milestone rewards credited after 30 days
All Spends
0.5% Valueback unlimited
  • In-store shopping (POS)
  • Online shopping

Additional Cashback on applying for Credit Cards

Get additional cashback on applying for a new credit card

  • Some cashback offers on newly launched cards could cover the joining and annual fees for 2-5 years
  • Cashback is applicable on Lifetime free cards
  • Some offers do not apply to existing cardholders of the bank

  • Withdraw cashback to bank account via NEFT
  • Withdraw cashback as Amazon or Flipkart gift cards
  • Minimum withdrawal is ₹250

Additional Rewards on using a Shopping Email Address

Additional Rewards on updating your email address on online stores to a smart spam-free inbox designed for shopping

  • Create a new email inbox
  • Update your profile on online stores with this new email
  • The inbox automatically tracks new orders
  • Reward Coins will be credited depending on the ongoing offers
  • Redeem the coins for vouchers or additional brand discounts

    Keep Track of Credit Card Bills

    Manage and keep track of your credit card bills in a single mobile app

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