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There are surprisingly few pure cashback cards on offer in India, we came across only three.

We considered cards that offered purely cashback as the return mechanism and not as an option in addition to rewards. Only one card made the cut to be considered as a serious option for those who don't care about rewards.

Who should get a Cashback Credit Card?

You're in the grow income phase of your life. You pay your own utility and phone bills, and don't have a lot of disposable income after monthly expenses. You would value the slight bump up in liquidity of cashback than exotic rewards programs.

Who should not get a Cashback Credit Card?

You have at least 25% of your take home income intact after all bills are paid. Liquidity is not a problem. Your monthly spend is upwards of ₹ 50K. You like to travel occasionally.

What to look (out) for in a Cashback Credit Card?

Simplicity. Pay for things worth X, get cashback of x at the end of the month. Look for the most direct and identifiable manner of getting your cashback. Anything with rewards redeemable is just not doing what the card is meant for.

Of the three Cashback Credit Cards we analyzed, only one is worth considering signing up for.

Our research is completely independent. We make no commisions if you click through and sign up for any of these products.

The Best Cashback Card

Citi Cashback Card
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  • Joining Fee
  • ₹500
  • Annual Fee
  • ₹500
  • Joining Bonus
  • NA
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What we like
  • Simple construct, 5% back on movie tickets utility and phone bill payments. 0.5% on everything else
  • Cashback credited directly to account in ₹ 500 increments
  • Offers some of the discounts from the extensive Citibank stable
What we don't
  • Cashback from priority categories capped at ₹ 100 per month
In a tweet

The Citi Cashback card keeps it simple. No points, no redemption from rewards catalogs, just simple cashback on all spend.

Other Cashback credit cards we considered:

  • HDFC Moneyback
  • Yes Prosperity Cashback Plus