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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.
HDFC Swiggy Credit Card
Effective April 17, 2026 - Minimum transaction value for 10% cashback on Swiggy spends increased to ₹249. New benefit - 5% cashback on Cleartrip flight & hotel bookings (capped at ₹1,500 per billing cycle).
Swiggy
10% Cashback upto ₹1,500 per month
- Spends on Swiggy mobile application
- Swiggy Food
- Swiggy Instamart
- Swiggy Dineout
- Swiggy Genie
- Swiggy Money Wallet
- Swiggy Liquor
- Swiggy Minis
Online Spends
5% Cashback upto ₹1,500 per month
- Flipkart
- Amazon
- Meesho
- Ajio
- Ola
- Uber
- Zoom
- ANI Technologies
- Around 85 MCC (Merchant Category Code) are eligible according to terms and conditions. However, merchant names are not metioned.
- Gift cards
- Grocery
Other Spends
1% Cashback upto ₹500 per month
- Fuel
- Rent
- EMI
- Wallet
- Jewellery
- Government related 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