The Best Cashback Credit Cards In India For January 2022

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Best Cashback Credit Cards In India For January 2022

Credit cards that support your needs and provide you a number of benefits are what is needed in this era. With time, the banking sector has grown immensely and is fulfilling the needs of its customers to a great extent. They never miss any chance to bring you offers that could be beneficial to you. We know that the existence of credit cards has made our life quite easy as we do not need to carry a big amount of money everywhere we go. And to promote the use of these cards banks now give us the cash back benefit on using them. Sounds good right!

Yes, it is. And what can be better than getting cash back while spending money. Different banks come with different offers where users can earn points and rewards on their credit card purchases which users can redeem according to the timing these points and rewards are valid. The cash back you earn is always different for the different bank credit cards because every bank offers a different policy for their credit cards. So Choosing your credit card with the best Cash back offer can be tricky. But you don’t have to worry as for your convenience, in this article we are going to tell you the best and different types of cash back credit cards.

1. HDFC Millennia Credit Card

HDFC Millennia Credit Card

The HDFC millennia credit card offers you cashback when your spendings exceed a predefined amount on a particular category. By depositing an annual fee of Rs.1000, you earn the cashback in terms of points here which are valid for 2 years. This card provides cashback on multiple categories like shopping, traveling, and different online and offline transactions.

Key Features of Millennia Credit Card are:

  • Provide 5% Cashback on different sites like Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy only if you spend Rs.2000 or above.
  • 2.5% cashback on all online spends.
  • 1% cashback on all offline spends and wallet reloads for a transaction size of Rs.100 minimum.
  • Get Rs.1000 worth of gift vouchers if you spend Rs.1,00,000 in each calendar quarter.
  • 1000 cash points as a welcome benefit which is applicable only on payment of membership.

2. Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Another card in the list of the best rewards cards with flat rates is the ACE credit card by Axis bank which comes with a 2% flat-rate cashback implying that one can earn a righteous value on your spending. The best thing about this card is that there is no upper limit to get cash back. You can spend even a small amount and still get a cashback. This is also one of the best cash-back cards for gas and transportation as you get a 5% cashback on paying gas bills.

Key features of the ACE credit card are:

  • 4% cashback on Swiggy, Zomato, and Ola.
  • 5% cashback on paying electricity, internet, gas, DTH, and mobile bills.
  • Get 2 % cashback on other remaining spending.
  • 20% off at 4000+ partner restaurants in India.
  • 4 complimentary lounge visits at select domestic airports per calendar year.

3. Kotak Delight Platinum Credit Card

Kotak Delight Platinum Credit Card

If you are fond of eating out and traveling and searching for the best cash-back cards for restaurants and dining then the Kotak delight platinum card is here to end your search. This card offers you unmatched cashback, surcharge waivers, and many other benefits. You can get a 10% cashback on dining if you spend a minimum of Rs.10,000 via delight platinum credit card on categories other than dining and entertainment within the billing cycle. Apart from dining the card provides 10% cashback on movies by following the same procedure as for dining. The fuel surcharge waiver is applicable on transactions between Rs.400 and Rs.4000. You can get a maximum of 8 PVR tickets or Rs.1500 cashback every year.



Opting to SBI Card Prime you earn an e-gift voucher worth Rs.3000 as a welcome gift which is redeemable at Bata/hush puppies, Marks and Spencer, pantaloons, Shoppers Stop and Also, you will earn 2 reward points if you spend Rs.100 on retail shops every time. Get access to 8 complimentary visits per year in India and 4 free visits to international lounges with priority pass membership. By spending on birthdays, you get 20 reward points per Rs.100 for three days (one day before and one day after).

Key features of this card are:

  • Earn 2 reward points per Rs.100 all spent except fuel.
  • Gives 1% fuel surcharge waiver on Rs.500 – Rs.4000 range transactions across all petrol pumps.
  • Get several milestone benefits.

5. Citi Cash Back Credit Cards

Citi Cash Back Credit Cards

The card provides you cashback in multiple categories and is the oldest cashback credit card in India. It offers 5% cash back on telephone, movie ticket purchases, utility bill payments, and 0.5% cashback on all other spendings which is quite low. We have so many better options now which give a greater percentage of cashback so opting for this card is kind of not an option.

6. HSBC Cashback Credit Card

HSBC Cashback Credit Card

HSBC’s cashback credit card is globally accepted and gives its users unlimited cashback on transactions with zero joining fees. Users of this card can enjoy complimentary lounge access benefits at national and international airports.

Key features of this cashback card are:

  • Offers 1.5% cashback on all online spending which does not include transfer to online wallets.
  • 1% cashback on all other spending you do.
  • There is no maximum cap on cashback.
  • Get an Amazon Voucher worth Rs.250 as a Welcome benefit on making s single transaction of Rs.500 or more at a time within the period of 30 days of card activation.
  • You get up to a 15% discount for dining at partner restaurants in major cities.
  • If your annual spend exceeds Rs.1 lakh, then the annual fee of Rs.750 is waived off.

7. Standard Chartered Manhattan Platinum Credit Card

Standard Chartered Manhattan Platinum Credit Card

If you are fond of shopping then this card is made for you. You get rewards for all your purchases in any category including the departmental store purchases. The annual fee for this card is Rs.999 and the minimum income required for having this card is:

  1. Salaried – Rs.90,000 p.m.
  2. Self-employed – Rs.1,08,000 p.a.

Key features of this card are:

  • You get 5% cashback for shopping in supermarkets.
  • Get a welcome gift of 5000 reward points on payment of the joining fee.
  • You earn 3x points reward for all other expenses you do.

8. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

This card is best with co-branded benefits. With an annual fee of Rs.500 gives you 5% cashback every time you shop on Flipkart, Myntra, and 2GUD and 4% cash back for spending on MakeMyTrip, Uber, PVR, and

Key features of this card are:

  • Get 5% cashback on Flipkart, Myntra, and 2GUD.
  • 4% cashback on spending MakeMyTrip, Uber, PVR, and
  • 1.5 % cash back on all other categories left.
  • Get welcome benefits worth Rs.3,300.
  • Access to 4 complimentary domestic lounges in a year.

So these are the best cashback credit cards of 2022 helping you to get the best cashback offers on your all spending. Start your 2022 with one of any above cashback cards and enjoy spending with maximum cashback.

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