Best Cashback Credit Cards in India (2026)
Real rupees credited directly to your monthly card statement — no complex point catalogues, no conversion fees, and no devaluation anxiety.
Our Top 12 Picks at a Glance (2026)
Every winner below is hand-audited against official bank MITC documents. Click any card to jump to its mathematical breakdown.
Compare the 12 10 Best Cashback Credit Cards in India (2026) Side-by-Side
Compare annual fees, fee waiver milestones, effective return rates, airport lounge quotas, foreign currency markups, and minimum income requirements.
| Rank & Card | Best For | Annual Fee | Return Rate | Airport Lounges | Forex Fee | Action |
|---|---|---|---|---|---|---|
|
#1
SBI Cashback
SBI Card · visa
|
#1 Overall Cashback Card in India (Flat 5% Online Cashback Everywhere) |
₹999
Waivable
|
5.00% Cashback
~5.00% Base/Peak
|
None | 3.50% | |
|
#2
HDFC Swiggy
HDFC Bank · mastercard
|
Best Food Delivery & Multi-App Card (10% Swiggy/Instamart + 5% Shopping) |
₹500
Waivable
|
10.00% Cashback
~10.00% Base/Peak
|
None | 3.50% | |
|
#3
HSBC Live+ Credit Card
HSBC · visa
|
Best Dining, Grocery & Supermarket Card (10% Cashback + 1.5% Offline) |
₹999
Waivable
|
10.00% Cashback
~10.00% Base/Peak
|
4 Dom/yr | 3.50% | |
|
#4
ICICI Amazon Pay
ICICI Bank · visa
|
Best Lifetime Free Cashback Card (Unlimited 5% Amazon Prime Cashback) |
₹0 (Free)
Lifetime Free
|
5.00% Cashback
~5.00% Base/Peak
|
None | 3.50% | |
|
#5
Axis Airtel
Axis Bank · Visa
|
Best Utility Bills & Telecom Card (25% Airtel + 10% Electricity/Gas/Swiggy) |
₹500
Waivable
|
25.00% Cashback
~25.00% Base/Peak
|
None | 3.50% | |
|
#6
Axis Ace
Axis Bank · visa
|
Best Offline POS & Google Pay Bills Card (5% GPay Bills + 1.5% Uncapped) |
₹499
Waivable
|
5.00% Cashback
~5.00% Base/Peak
|
4 Dom/yr | 3.50% | |
|
#7
HDFC Millennia
HDFC Bank · visa
|
Best Top-10 Digital Brands Card (5% on Amazon, Flipkart, Myntra & Zomato) |
₹1,000
Waivable
|
5.00% Cashback
~5.00% Base/Peak
|
4 Dom/yr | 3.50% | |
|
#8
HDFC Tata Neu Infinity
HDFC Bank · Visa, RuPay
|
Best Tata Ecosystem & RuPay UPI Card (Up to 10% NeuCoins + 1.5% UPI) |
₹1,499
Waivable
|
1.50X Rewards
~1.50% Base/Peak
|
8 Dom + 4 Intl/yr | 3.50% | |
|
#9
Axis Bank Flipkart Credit Card
Axis Bank · visa
|
Best Flipkart & Cleartrip Cashback Card (5% Cashback on Flipkart) |
₹500
Waivable
|
5.00% Cashback
~5.00% Base/Peak
|
None | 3.50% | |
|
#10
Flipkart SBI Card
SBI Card · visa, mastercard
|
Best Myntra Fashion & Flipkart Card (7.5% on Myntra + 5% on Flipkart) |
₹500
Waivable
|
7.50% Cashback
~7.50% Base/Peak
|
None | 3.50% | |
|
#11
Axis Bank Cashback Credit Card
Axis Bank · visa
|
Best High-Spend Tiered Online Cashback Card (Up to 7% Monthly Cashback) |
₹1,000
Waivable
|
5.00% Cashback
~5.00% Base/Peak
|
None | 3.50% | |
|
#12
Kiwi RuPay UPI Credit Card
Axis Bank / YES Bank · RuPay
|
Best Lifetime Free RuPay Scan & Pay Card (2% to 5% UPI Cashback) |
₹0 (Free)
Lifetime Free
|
1.50% Cashback
~1.50% Base/Peak
|
4 Dom/yr | 3.50% |
Check If a Merchant Qualifies for 5% Cashback with RewardRadar
Look up 4-digit Visa/Mastercard Merchant Category Codes (MCC) before swiping to confirm whether a transaction earns 5% cashback or falls under excluded MCCs.
SBI Cashback
Issued by SBI Card · visa · Classic · Min Income: ₹25,000/mo
The undisputed king of cashback credit cards in India. Offers a flat, no-nonsense 5% cashback on virtually all online transactions across any website or app (capped at a massive ₹5,000 per billing cycle, covering ₹1 Lakh/month of online shopping) and 1% offline, auto-credited directly to your next statement.
- ✓ 4.25% value back (13X Reward Points + 1% surcharge waiver) at BPCL petrol pumps
- ✓ 2,000 bonus reward points worth ₹500 on joining fee payment
- ✓ 5X Reward Points on Groceries, Departmental Stores, Dining & Movies
- × 13X reward points capped at 1,300 points per billing cycle at BPCL
- × No complimentary airport lounge access
HDFC Swiggy
Issued by HDFC Bank · mastercard · Classic · Min Income: ₹15,000/mo
A must-have card for urban households. Delivers a flat 10% cashback across Swiggy Food Delivery, Instamart groceries, Dineout, and Genie (up to ₹1,500/mo), plus 5% cashback across 1,000+ online shopping sites including Amazon, Flipkart, Myntra, Nykaa, and Uber (up to ₹1,500/mo) — all credited directly to your card statement.
- ✓ 10% on Swiggy (min transaction ₹249 for 10% rate)
- ✓ Zero joining fee
- ✓ Good for foodies
- × Cap on cashback
- × Focused on Swiggy only
HSBC Live+ Credit Card
Issued by HSBC · visa · Live+ Credit Card · Min Income: ₹50,000/mo
Now branded HSBC Live+, this is India's #1 card for dining, food delivery, and supermarket groceries. You earn a flat 10% cashback on all restaurants, Swiggy, Zomato, Blinkit, Zepto, and offline supermarkets (up to ₹1,000/month), plus an uncapped 1.5% cashback on almost all other domestic spends and 4 free domestic airport lounge visits.
- ✓ 10% accelerated cashback on dining, food delivery & grocery spends (up to ₹1,000/month)
- ✓ 1.5% unlimited cashback on all other eligible retail spends
- ✓ 4 complimentary domestic airport lounge visits per year (1 per quarter) with NO spending threshold
- × ₹1,000 monthly cap on 10% accelerated dining/grocery cashback
- × High foreign transaction fee (3.5% + GST)
ICICI Amazon Pay
Issued by ICICI Bank · visa · Signature · Min Income: ₹30,000/mo
The gold standard of Lifetime Free credit cards in India with over 4 million cardholders. Amazon Prime members earn an completely uncapped 5% cashback on Amazon.in (3% for non-Prime), 2% across 100+ Amazon Pay partner apps, and 1% everywhere else — with ₹0 joining fee and ₹0 annual fee forever.
- ✓ 5% cashback on Amazon.in (max ₹1,500/month)
- ✓ 2% on Amazon Fresh, BigBasket, Food Ordering
- ✓ 1% on all other spend
- × Cashback drops to 2% on Amazon without Prime membership
- × Transport reward earnings now capped at ₹10,000/month
Axis Airtel
Issued by Axis Bank · Visa · Classic · Min Income: ₹25,000/mo
Packs absurdly high ROI into a ₹500 annual fee. Delivers 25% cashback on Airtel Mobile, Broadband, and Wi-Fi bills (up to ₹250/mo), 10% cashback on electricity, gas, and water utility bills via Airtel Thanks (up to ₹250/mo), and 10% cashback on Swiggy, Zomato, and BigBasket (up to ₹500/mo) — easily saving ₹8,000–₹10,000/year.
- ✓ Massive 25% cashback on Airtel Mobile, Broadband, DTH, and Airtel Black bill payments via Airtel Thanks App (capped at ₹250/month)
- ✓ 10% cashback on utility bill payments (Electricity, Water, Gas) via Airtel Thanks App (capped at ₹250/month)
- ✓ 10% cashback on food delivery and grocery delivery via Swiggy, Zomato, and BigBasket (capped at ₹500/month combined)
- × Monthly cashback caps apply: ₹250 on Airtel bills, ₹250 on utilities, and ₹500 on preferred food partners
- × 25% telecom cashback and 10% utility cashback strictly require payment through the Airtel Thanks App
Axis Ace
Issued by Axis Bank · visa · ACE Credit Card · Min Income: ₹25,000/mo
Built for Android users and offline spenders. Earns 5% cashback on electricity, internet, gas, and DTH bill payments plus mobile recharges on Google Pay (up to ₹500/month), 4% on Swiggy, Zomato, and Ola, and an industry-leading uncapped 1.5% flat cashback on all offline POS swipes.
- ✓ 5% on bill payments
- ✓ 2% everywhere else
- ✓ Zero joining fee
- × Cashback cap
- × Best value with Google Pay
HDFC Millennia
Issued by HDFC Bank · visa · Platinum · Min Income: ₹35,000/mo
The quintessential first credit card for young professionals. Pays 5% CashPoints (1 CP = ₹1 against statement) across 10 everyday apps — Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, SonyLIV, and Tata CLiQ — plus a ₹1,000 gift voucher every quarter you spend ₹1 Lakh, and qualifies for 10% HDFC instant festival discounts.
- ✓ 1% CashBack on all retail spends (1 Reward Point = ₹1 for statement credit)
- ✓ Up to 10% CashBack across 200+ brands via SmartBuy/PayZapp Shop
- ✓ Pay membership fee and get equivalent Reward Points back
- × Base cashback is 1% on general spends (higher rates only via SmartBuy/PayZapp)
- × CashBack redemption capped at 3,000 Reward Points per calendar month
HDFC Tata Neu Infinity
Issued by HDFC Bank · Visa, RuPay · Infinity · Min Income: ₹100,000/mo
The ultimate omnichannel & RuPay UPI card for the Tata ecosystem. Earns 10% back as NeuCoins (1 NeuCoin = ₹1) on BigBasket, Croma, Tata 1mg, Titan, Tanishq gold jewellery, Westside, and Air India Express via the Tata Neu app, plus 1.5% back on UPI Scan & Pay transactions and complimentary domestic & international lounge access.
- ✓ Up to 10% NeuCoins (5% card + 5% NeuPass) on Tata Neu app spends (BigBasket, Croma, Air India, Tata 1mg, Taj Hotels, Tata CLiQ)
- ✓ 1.5% NeuCoins on all non-Tata domestic and international retail spends
- ✓ 1.5% NeuCoins on UPI spends via Tata Neu UPI (RuPay variant)
- × Domestic lounge access requires ₹50,000 spend in the preceding calendar quarter
- × NeuCoins expire after 365 days from the date of earning
Axis Bank Flipkart Credit Card
Issued by Axis Bank · visa · classic · Min Income: ₹15,000/mo
A dedicated e-commerce workhorse offering flat 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter per merchant) plus 4% uncapped cashback on preferred partners including Swiggy, Uber, PVR, and Cure.fit.
- ✓ 5% unlimited direct cashback on Flipkart shopping credited straight to your monthly card statement
- ✓ 4% unlimited cashback on top preferred partners: Swiggy, Uber, PVR, Tata 1mg, and Cleartrip
- ✓ 1.5% unlimited cashback on all other eligible online and offline retail transactions
- × No complimentary domestic or international airport lounge access
- × High annual spend threshold of ₹3,50,000 required for annual fee waiver
Flipkart SBI Card
Issued by SBI Card · visa, mastercard · Classic · Min Income: ₹25,000/mo
SBI and Flipkart's co-branded powerhouse that edges ahead for fashion lovers: delivers a massive 7.5% cashback on Myntra (up to ₹4,000/quarter) alongside 5% cashback on Flipkart and Cleartrip (up to ₹4,000/quarter each), auto-credited directly to your SBI Card statement.
- ✓ 5% cashback on Flipkart, Shopsy, and Cleartrip purchases
- ✓ 7.5% accelerated cashback on Myntra fashion purchases
- ✓ 4% cashback on preferred partner merchants: Zomato, Uber, Netmeds, and PVR
- × Cashback on Flipkart and Myntra is capped quarterly
- × No complimentary domestic or international airport lounge access
Axis Bank Cashback Credit Card
Issued by Axis Bank · visa · cashback · Min Income: ₹35,000/mo
Designed for high monthly online spenders who want tiered statement cashback without merchant restrictions: earns 2% on the first ₹5,000, 5% on spends between ₹5,001 and ₹40,000, and 7% on online spends above ₹40,000 every billing month (up to ₹4,000/month).
- ✓ Up to 7% accelerated online cashback on high-volume spending
- ✓ Substantial monthly cashback ceiling of ₹4,000 on accelerated categories
- ✓ Unlimited base cashback of 0.75% on offline retail and travel expenses
- × Reaching top 7% cashback requires monthly online spends exceeding ₹40,000
- × High annual spend threshold (₹4,00,000) for annual renewal fee waiver
Kiwi RuPay UPI Credit Card
Issued by Axis Bank / YES Bank · RuPay · Axis KWIK / YES Bank Klick · Min Income: ₹25,000/mo
India's smartest Lifetime Free virtual RuPay UPI credit card. Earns a flat 2% real cashback on everyday Scan & Pay merchant UPI transactions right out of the box (scaling up to 3%–5% on crossing annual spend milestones of ₹50k–₹1.5L), with instant bank-account cash redemption.
- ✓ Up to 1.5% cashback on all UPI scan-and-pay transactions via Kiwi app
- ✓ 100% Lifetime Free virtual RuPay credit card with instant issuance
- ✓ Direct cashback credit to bank account / statement via Kiwis
- × Free base card does not include complimentary airport lounge access
- × Highest reward rates require using Kiwi app for UPI scan-and-pay
How to Choose the Best Cashback Credit Cards in India
Cashback credit cards are the most transparent, stress-free financial tools in India. Instead of hoarding points that devalue or expire, your cashback is credited automatically in real rupees against your next billing statement (or directly as 1:1 Amazon Pay / NeuCoin balance).
1. The Ultimate 2-Card & 3-Card Cashback Stack (Save ₹35,000+/Year)
• Card 1 — Universal Online Shopping: SBI Cashback Card (Flat 5% cashback on virtually every website/app in India up to ₹5,000/month) OR HDFC Swiggy (10% on Swiggy/Instamart/Dineout + 5% across Amazon, Flipkart, Myntra, Nykaa & Uber).
• Card 2 — Dining, Groceries & Offline POS: HSBC Live+ (Cashback) (10% cashback on dining, food delivery & supermarkets/groceries up to ₹1,000/month + 1.5% unlimited on offline spends).
• Card 3 — Utility Bills, Recharges & UPI: Airtel Axis Bank (25% on Airtel bills + 10% on electricity/gas/water bills via Airtel Thanks) + Kiwi RuPay UPI (2%–5% on Scan & Pay UPI).
2. Monthly Cashback Caps: The Hidden Detail That Makes or Breaks a Card
• ICICI Amazon Pay: Uncapped (Unlimited) 5% on Amazon for Prime members (3% for non-Prime).
• SBI Cashback Card: ₹5,000/month cap on 5% online cashback (covers ₹1,00,000 monthly online spend).
• HDFC Swiggy Card: ₹1,500/month on 10% Swiggy spends + ₹1,500/month on 5% online shopping = ₹3,000/month total.
• HSBC Live+ Card: ₹1,000/month on 10% dining/grocery/food delivery + Unlimited 1.5% on base spends.
• Airtel Axis Card: ₹250/mo on 25% Airtel bills + ₹250/mo on 10% utilities + ₹500/mo on 10% Swiggy/Zomato/BigBasket.
3. Statement Credit vs. Closed-Loop Wallet Cashback
Frequently Asked Questions about Cashback Credit Cards
Our Independent Editorial & Mathematical Methodology
CardSahayak evaluates every credit card using real mathematical formulas based on verified Key Fact Statements (KFS) and Most Important Terms & Conditions (MITC) published directly by banks. Our category rankings are 100% driven by net consumer return, fees, and perks — never influenced by bank partnerships.
Official MITC Data
Sourced strictly from official bank terms & Key Fact Statements.
Math-Driven Scoring
Ranked by real net financial return, not sponsor commissions.
Continuous Auditing
Automated checks against live bank updates to ensure zero stale terms.