Primark employees welcome customers back to their Belfast location

If you frequently shop, here is a curated list from Paisabazaar of the 5 top cashback credit card options that will give you heavy cashback or rewards while shopping online or offline.

Do note that we have only mentioned cashback offers, joining, and annual fees of these credit cards. You can check other important features like complimentary benefits, late payment fees, and how the cashback will be credited on the bank's website.

As per the Axis Bank website

a) 5 per cent cashback on bill payments (electricity, internet, gas, DTH) and mobile recharges on Google Pay. Only Android users will get this benefit if they pay bills via Google pay. The offer is applicable on postpaid, prepaid, DTH, electricity, water, gas, LPG, and broadband

b) 4 per cent cashback on Swiggy, Zomato, and Ola

Joining fee and annual fees:

The joining fee for the Axis Ace credit card is Rs 499. If you spend Rs 10,000 within 45 days of issuing the card, the bank will reverse the joining fee.

From the second year onwards, you have to pay an annual fee of Rs 499 every year. However, it will be waived if you can spend more than Rs 2 lakh in the previous year.

Interest rate: 3.6 per cent per month

a) You can avail 5 per cent cashback on every online spend. Do note that this 5 per cent cashback is limited to Rs 10,000 per billing statement per month. After that, you will get base card cashback of 1 per cent on eligible online and offline spending.

b) You will get 1 per cent cashback on all offline spends and utility bill payments

Joining fee and annual charge:
There is no joining fee for the cashback SBI credit card. From the second year onwards, you have to pay a renewal fee of Rs 999 per year. The bank will reverse the renewal fee if you can spend Rs 2 lakh or more in the previous year.

Interest rate: 3.5 per cent per month

As per the Axis Bank website

a) 5 per cent cashback on Flipkart and Myntra

b) 4 per cent cashback with preferred merchants including Swiggy, Uber, Cleartrip, PVR, Tata Play, and CureFit.

c) 1.5 per cent cashback on all categories

Joining fee and annual fees:

The joining fee will be Rs 500. There will be no annual fee for the first year. From the second year, the bank will charge Rs 500 annually for the credit card. It will be waived off if you can spend more than Rs 2 lakh in a year.

Interest rate: 3.6 per cent per month

As per the HSBC Bank website
a) 1.5 per cent cashback on all online spending (excluding the transfer of funds to online wallets)

b) 1 per cent cashback on all other spends

Joining and annual fees:

There is no joining fee for the HSBC cashback credit card. The annual fee for an HSBC cashback credit card will be Rs 750. The bank has waived the first-year annual fee for all cards issued between January 1, 2022, to September 30, 2022.

From the second year onwards, you have to pay Rs 750 annual renewal fee every year. However, if you spend more than Rs 1 lakh in a year.

Interest rate: 3.49 per cent per month

As per the ICICI Bank website
a) Amazon Prime members will earn 5 per cent back on purchases on the Amazon India website.

b) Non-Prime cardholders earn 3 per cent back on the Amazon India website.

c) For digital and gift card purchases, you will earn 2 per cent back.

d) You can earn 2 per cent back at over 100 Amazon Pay Partner merchants including Fassos, FreshMenu, Haptik, BookMyShow, RedBus, Byju's, Urban Ladder, and Cafe Coffee Day by using this card on Amazon Pay. You can also use the balance to pay utility bill payments, mobile and DTH recharges, etc, and earn 2 per cent reward points.

e) You get 1 per cent back for all other payments.

Joining fee or annual charges:


You don't have to pay any joining fee for an Amazon Pay ICICI Bank credit card. It's a lifetime free credit card which means you do not have to pay any renewal or annual charge for this credit card.

Interest rate: The interest rate will vary dynamically from 3.5 per cent per month to 3.8 per cent per month based on the customer’s behavior and performance.

Do keep in mind that there are various credit cards available in the market that cater to different categories of spenders. Therefore, pick a credit card that suits your spending pattern and habits.