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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
SBI Card
Co-Brand
Reward Type
NeuCoins (1 NeuCoin = ₹1)
Reward Credit
Credited to Tata Neu account within a few days after statement generation
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Domestic Lounge
1 per quarter
International Lounge
0
Tata Brands
2% Valueback Unlimited
- Online and offline spends on Tata Brands
- Additional 5% Valueback with NeuPass on Tata Neu app and website
- 1mg
- BigBasket
- Croma
- Air India and Air India Express
- Tata CLiQ
- Taj group of Hotels
- Westside
- Qmin
- Tata Play
- Cult
- Tata Pay
- Titan
- Tanishq
- Additional 5% Valueback with NeuPass requires registration on Tata Neu app
UPI
1% Valueback upto ₹500 per month
- Only on RuPay variant of the card
- 0.25% on any UPI app; additional 0.75% on Tata Neu UPI
- Total capped at ₹500 per month
Other Spends
1% Valueback Unlimited
- Domestic and international spends
- Grocery transactions capped at ₹2,000 per month
- Insurance transactions capped at ₹2,000 per month
- Utility transactions capped at ₹2,000 per month
- Telecom & Cable transactions capped at ₹2,000 per month
- Fuel Spends
- Wallet loads / Gift or Prepaid Card load/ Voucher purchase
- Cash Advances
- Payment of Outstanding Balances
- Payment of card fees and other charges
- Smart EMI / Dial an EMI transaction
- Rental and Government related transactions
- Education payments
- Online skill-based gaming (MCC-5816)
Fuel Surcharge
1% Waiver upto ₹250 per month
- Transaction of ₹500 to ₹4,000 excluding GST and 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