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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
0
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 ₹500 per month
- Airtel spends on Airtel Thanks mobile application
- Airtel mobile
- Airtel broadband
- Airtel WiFi
- Airtel DTH
- Cashback capped at 2× base cashback earned (1% category) per statement month
- Base cashback is 1% on other spends
- To get ₹500 cashback, spend ₹25,000 on 1% categories
Utility
10% Cashback Upto ₹250 per month
- Utility spends on Airtel Thanks mobile application
- Electricity
- Gas
- Cashback capped at base cashback earned (1% category) per statement month
- Base cashback is 1% on other spends
- To get ₹250 cashback, spend ₹25,000 on 1% categories
Preferred Partners
10% Value Back upto ₹200 per partner per month
- Zomato
- Blinkit
- District Movies
- Payment must be made online using Airtel Axis Credit Card directly on partner's app/website
- UPI payments are not eligible for this offer
- Apply coupon code "Get 10% back using Airtel Axis Credit Card" during checkout
- Minimum order value of ₹499 for Zomato and Blinkit
- Value back credited to respective partner wallets (not as cashback)
- Zomato Dining
- Zomaland
Other Spends
1% Cashback Unlimited
- Both online and offline spends
- Fuel
- EMI
- Wallet
- Cash advances
- Rental Payments
- Government services
- Insurance services
- Education services
- Utility outside 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