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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
Federal Bank
Co-Brand
Reward Type
Scapia Coins (5 Scapia Coins = ₹1)
Reward Credit
Scapia Coins are credited for each transaction and redeemable instantly on flights, hotels, and buses on the Scapia app
Joining Fee
FREE
Annual Fee
FREE
Domestic Lounge
Unlimited
International Lounge
0
Federal Scapia Credit Card
Effective Feb 27, 2026 - Lounge access now requires ₹20,000 combined monthly spend (previously ₹10,000 on VISA or ₹15,000 on RuPay)
Travel
4% valueback unlimited
- Flights
- Hotels
- Buses
- Trains
- Earns 20 Scapia Coins per ₹100 spent on Scapia app
Shopping & Online Spends
2% valueback unlimited
- All eligible online and offline spends on VISA
- Earns 10 Scapia Coins per ₹100 spent
UPI & RuPay Spends
1% valueback unlimited
- All eligible UPI transactions
- Online and offline spends of ₹500 or more on RuPay
- Earns 5 Scapia Coins per ₹100 spent
Airport Privileges
100% valueback Up to ₹1,000 per month
- Dining at domestic airports
- Shopping at domestic airports
- Spa services at domestic airports
- Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards
- Available at 100+ domestic airports
International Airport Privileges
100% valueback Up to ₹2,000 per booking
- Duty-free shopping at international terminals in India
- Dining at international terminals in India
- Unlocks with every ₹50,000 international flight booking on Scapia app
Forex
0% Fee unlimited
- All international transactions
- No additional charges on foreign currency transactions
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