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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.
Issuing Bank
Axis Bank
Co-Brand
Reward Type
Cashback
Reward Credit
Cashback is credited to credit card balance in few days after the statement is generated
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Domestic Lounge
1 per quarter
International Lounge
0
Axis Airtel Credit Card
Effective April 12, 2026 - Lounge access removed entirely. Cashback on Airtel bills (25%) capped at 2x base cashback earned. Cashback on utilities (10%) capped at 1x base cashback earned. Cashback on Swiggy, Zomato, BigBasket capped at ₹500 per month.
Airtel
25% Cashback upto ₹250 per month
- Airtel spends on Airtel Thanks mobile application
- Airtel mobile
- Airtel broadband
- Airtel WiFi
- Airtel DTH
Utility
10% Cashback upto ₹250 per month
- Utility spends on Airtel Thanks mobile application
- Electricity
- Gas
Preferred Partners
10% Cashback upto ₹500 per month
- BigBasket
- BBnow
- Swiggy Food
- Swiggy Dineout
- Zomato Delivery
- Zomato Dining
- Beauty Store on BigBasket
- Fresho Meats on BigBasket
- Swiggy Instamart
- Swiggy Genie
- Zomaland
- Blinkit
Other Spends
1% Cashback Unlimited
- Both online and offline spends
- Fuel
- EMI
- Wallet
- Jewelry
- Cash advances
- Rental Payments
- Government services
- Insurance services
- Education services
- Utility outiside of Airtel Thanks
Fuel Surcharge
1% Waiver upto ₹500 per month
- Transaction of ₹400 to ₹4,000 excluding GST & other charges
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 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