If you are wondering what is cashback credit card, think of it as a specialized financial tool that provides a "rebate" on your purchases. Unlike traditional reward points that can be confusing to value, a cashback credit card returns a percentage of your transaction value directly back to you. This value is usually credited as brand vouchers, digital gold, or even direct cash. For example, with the Edge+ card, these rewards are called "Jewels," which you can redeem anytime through the Jupiter app for maximum flexibility.

Yes, several banks offer these, but it is important to check the fine print. A "lifetime free" card means you never pay a joining fee or an annual renewal fee, regardless of how much you spend. Many of the best cash back credit cards in the market require you to meet a minimum annual spend to waive the fee. Currently, the Jupiter Edge+ card is offered as a lifetime-free cashback credit card, ensuring you get the best cash back credit card in India without the burden of recurring maintenance costs.

Day to day payments are often excluded from high-reward tiers by most banks. However, because the Edge+ card is crafted specifically for the UPI ecosystem, it allows you to earn rewards on these daily essentials more effectively. By using the Edge+ card for your UPI transactions, you get a flat 1% back on (eligible) UPI spends. This consistent reward structure makes it a top contender for the best cashback credit card India has for managing monthly bills, recharges, and small-ticket daily expenses.

Most of the best cash back credit cards implement "capping" to keep the reward program sustainable. These caps are usually monthly limits on how much total cashback you can earn or specific limits on high-reward categories (like 10% shopping tiers). The key to choosing the best cashback credit card is finding one with high enough caps that they don't interfere with your regular spending habits.

Jupiter provides total transparency here, allowing you to track your real-time earnings and see your remaining limits directly on the app's home screen. You can earn unlimited 7% cashback on Jupiter Flights and 1% cashback on all eligible spends. For accelerated categories, you can earn up to ₹2,000 monthly on shopping (10% rate), ₹1,000 on travel (5% rate).

While we aim to reward as many transactions as possible, standard industry exclusions usually apply to all best cash back credit cards. Common exclusions include ATM cash withdrawals, rental payments, wallet loads, and insurance premiums. It is also worth noting that while fuel spends don't usually earn cashback, the Edge+ card provides a 1% fuel surcharge waiver to ensure you still save at the pump. You can always find the most updated list of eligible and excluded categories within the "Terms and Conditions" section of your Jupiter app.

Download the Jupiter app to check your eligibility instantly. The application is 100% digital and requires no physical paperwork.

You can earn unlimited 7% cashback on Jupiter Flights and 1% cashback on all eligible spends. For accelerated categories, you can earn up to ₹2,000 monthly on shopping (10% rate), ₹1,000 on travel (5% rate).

Your cashback is credited instantly as Jewels. You can redeem 5 Jewels for ₹1 as cash, Digital Gold, or to pay your bills.

• 10% Cashback: Amazon, Flipkart, Myntra, Tata Cliq, Ajio, Nykaa, Croma, Reliance Digital, Trent/Tata Retail, and Reliance Retail
• 7% Cashback: Jupiter Flights
• 5% Cashback: MakeMyTrip, EaseMyTrip, Yatra, and Cleartrip
• 1% Cashback: All other online and offline spends