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CardSahayak Financial Intelligence
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Cashback Credit Cards • Audits & Comparisons

Compare verified credit cards across 33+ Indian banks with real math. Every annual fee waiver, quarterly lounge rule, forex markup, and reward redemption fee unmasked from official Schedule of Charges.

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Active: Category: Cashback Cashback

Showing 1-12 of 25 verified cards

HSBC Visa Live+ Credit Card
MITC Verified Nov 2026
HSBC

HSBC Live+ Credit Card

•••• •••• •••• 1381

VISA
CardSahayak Score Verified
85 /100
4.2
Min CIBIL 720+ Min ₹50,000/mo

HSBC Live+ Credit Card

HSBC • Cashback Tier

Our Take: HSBC Live+: 10% accelerated cashback on dining, food delivery, and grocery (capped at ₹1,000/month) + 1.5% unlimited base cashback on all other spends. 4 domestic lounge visits/year.
Annual Fee
₹999
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹999
₹1,000 Welcome Bonus
Rewards Rate
10%
Flat Cashback • Accelerated
Airport Lounges
4 Domestic / yr
4 complimentary domestic airpo...
✓ 10% accelerated cashback on dining, food delivery & grocery spends (up to ₹1,000/month)
✓ 1.5% unlimited cashback on all other eligible retail spends with no maximum cap
− 10% accelerated dining and grocery cashback is strictly capped at ₹1,000 per billing cycle
Estimated Net Value
+₹34,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
4 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: Up to 45 days
ICICI Bank Visa Signature ★ CS Editor's Choice
MITC Verified Nov 2026
ICICI Bank

ICICI Amazon Pay

•••• •••• •••• 2045

VISA
CardSahayak Score Verified
85 /100
4.2
Min CIBIL 750+ Min ₹30,000/mo

ICICI Amazon Pay

ICICI Bank • Cashback Tier

Our Take: India's premier Lifetime Free cashback card offering 5% unlimited cashback on Amazon for Prime members, 3% for non-Prime, 2% on bill payments, and 1% on all other spends with ₹0 fees.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
₹500 Welcome Bonus
Rewards Rate
5%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 100% Lifetime Free with zero joining fee, zero annual renewal fee, and no conditions forever
✓ 5% unlimited cashback on Amazon.in purchases for Amazon Prime members (completely uncapped)
− No complimentary domestic or international airport lounge access provided
Estimated Net Value
+₹15,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
HSBC Rupay Classic 0% Zero Forex
MITC Verified Nov 2026
HSBC

HSBC RuPay Cashback

•••• •••• •••• 5979

RuPay
CardSahayak Score Verified
85 /100
4.2
Min CIBIL 750+ Min ₹50,000/mo

HSBC RuPay Cashback

HSBC • Cashback Tier

Our Take: HSBC RuPay Cashback: 0% promotional forex, 10% cashback on dining/food/grocery (max ₹400/mo), 1% unlimited cashback on all other spends, and 10 lounge visits (8 dom + 2 intl). ₹499 fee waived on ₹2L spend.
Annual Fee
₹499
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹499
₹1,000 Welcome Bonus
Rewards Rate
10%
Flat Cashback • Accelerated
Airport Lounges
8 Dom + 2 Intl / yr
8 complimentary domestic airpo...
✓ 10 complimentary airport lounge visits annually (8 domestic + 2 international via RuPay)
✓ 10% cashback on dining, food delivery & grocery spends (up to ₹400/month combined)
− 10% accelerated dining/grocery cashback is capped at ₹400 per month
Estimated Net Value
+₹38,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
0.00% + GST
0% Zero Forex
Lounge Access
8 Dom + 2 Intl / yr
8 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: Up to 45 days
Axis Bank Rupay Classic Lifetime Free
MITC Verified Nov 2026
Axis Bank

Axis Fibe

•••• •••• •••• 1261

RuPay
CardSahayak Score Verified
84 /100
4.2
Min CIBIL 700+ Min ₹12,000/mo

Axis Fibe

Axis Bank • Cashback Tier

Our Take: Fintech co-brand with 3% cashback and UPI support.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
No welcome bonus offered
Rewards Rate
3%
Flat Cashback
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ Lifetime Free RuPay credit card with zero joining and annual fees
✓ Linkable directly to UPI apps (GPay, PhonePe, Paytm, BHIM) for scan & pay transactions
− Accelerated 3% cashback capped at ₹1,500 per billing cycle
Estimated Net Value
+₹13,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
Axis Bank Visa Ace Credit Card ★ CS Editor's Choice
MITC Verified Nov 2026
Axis Bank

Axis Ace

•••• •••• •••• 1596

VISA
CardSahayak Score Verified
83 /100
4.2
Min CIBIL 700+ Min ₹25,000/mo

Axis Ace

Axis Bank • Cashback Tier

Our Take: 5% cashback on utility bills via Google Pay, 4% on Swiggy/Zomato/Ola (combined ₹500/month cap), and 1.5% unlimited cashback on all other eligible spends.
Annual Fee
₹499
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹499
₹500 Welcome Bonus
Rewards Rate
5%
Flat Cashback • Accelerated
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ 5% cashback on utility bills and recharges via Google Pay and 4% on Swiggy, Zomato & Ola (combined cap ₹500/month)
✓ 1.5% unlimited cashback on all other eligible online and offline retail spends
− Combined ₹500 monthly cashback cap across 5% Google Pay and 4% Swiggy/Zomato/Ola categories
Estimated Net Value
+₹19,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Fuel, Wallets, Rent
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
Standard Chartered Visa Classic
MITC Verified Nov 2026
Standard Chartered

Standard Chartered DigiSmart

•••• •••• •••• 3442

VISA
CardSahayak Score Verified
83 /100
4.2
Min CIBIL 680+ Min ₹50,000/mo

Standard Chartered DigiSmart

Standard Chartered • Cashback Tier

Our Take: SCB DigiSmart: 20% off Myntra, 10% off Zomato, 15% cashback on Ola, 10% off Blinkit, BOGO on INOX. ₹49 monthly fee waived on ₹5,000 monthly spend.
Annual Fee
₹588
Waived @ ₹5,000 spend/yr
Joining Fee
₹0 Free
Complimentary welcome discou...
Rewards Rate
20%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ Flat 20% discount on Myntra up to ₹700 per month
✓ 10% discount on Zomato food delivery up to ₹150 (up to 5 times per month)
− Monthly fee model requires maintaining ₹5,000 monthly spend to avoid ₹49 recurring charge
Estimated Net Value
+₹45,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 18 to 48 days
Axis Bank Visa Classic ★ CS Editor's Choice
MITC Verified Nov 2026
Axis Bank

Axis Flipkart

•••• •••• •••• 3638

VISA
CardSahayak Score Verified
83 /100
4.2
Min CIBIL 700+ Min ₹25,000/mo

Axis Flipkart

Axis Bank • Cashback Tier

Our Take: 5% cashback on Flipkart, Myntra & Cleartrip (capped at ₹4,000/qtr per merchant), 4% on Swiggy/Uber/PVR, and 1% on other spends.
Annual Fee
₹500
Waived @ ₹3.5 Lakh spend/yr
Joining Fee
₹500
₹250 Welcome Bonus
Rewards Rate
5%
Flat Cashback
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 5% cashback on Flipkart, Myntra, and Cleartrip (capped at ₹4,000 per statement quarter per platform)
✓ 4% cashback on preferred partners including Swiggy, Uber, PVR, and Tata 1mg
− Cashback capped at ₹4,000 per statement quarter on Flipkart, Myntra, and Cleartrip
Estimated Net Value
+₹14,750/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
IDFC FIRST Bank Rupay Hello_cashback 0% Zero Forex
MITC Verified Nov 2026
IDFC FIRST Bank

IDFC FIRST Hello Cashback Credit Card

•••• •••• •••• 1044

RuPay
CardSahayak Score Verified
83 /100
4.1
No CIBIL (Secured)

IDFC FIRST Hello Cashback Credit Card

IDFC FIRST Bank • Cashback Tier

Our Take: Secured FD-backed card with up to 5% online cashback, 0% zero forex markup, and 100% credit limit matching your FD.
Annual Fee
₹1,000
Waived @ ₹1.5 Lakh spend/yr
Joining Fee
₹1,000
₹1,000 Welcome Bonus
Rewards Rate
3%
Flat Cashback
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 3% cashback on online spends up to ₹10,000 and 5% on online spends above ₹10,000 per statement cycle
✓ 0% Foreign Currency Markup (Zero Forex Markup) on international transactions
− Joining fee of ₹1,000 + GST and annual fee of ₹1,000 + GST
Estimated Net Value
+₹9,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
0.00% + GST
0% Zero Forex
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Rent
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 0.75% - 1.99% p.m.
Interest-Free Period: Up to 48 days
HDFC Bank Mastercard Classic
MITC Verified Nov 2026
HDFC Bank

HDFC Swiggy

•••• •••• •••• 1216

CardSahayak Score Verified
83 /100
4.1
Min CIBIL 700+ Min ₹15,000/mo

HDFC Swiggy

HDFC Bank • Cashback Tier

Our Take: 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie; cap ₹1,500/mo), 5% on 1,000+ top online shopping platforms (cap ₹1,500/mo), and 1% on other spends (cap ₹500/mo). Total monthly cashback up to ₹3,500 credited directly to Swiggy Money. Annual fee ₹500 waived on ₹2 Lakh spend.
Annual Fee
₹500
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹500
₹1,199 Welcome Bonus
Rewards Rate
10%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 10% cashback on Swiggy food ordering, Instamart, Dineout, and Genie (capped at ₹1,500/cycle; min order ₹249)
✓ 5% cashback on 1,000+ online shopping platforms including Amazon, Flipkart, Myntra, Nykaa, and Uber (capped at ₹1,500/cycle)
− Monthly cashback sub-caps: ₹1,500 on Swiggy (10%), ₹1,500 on online merchants (5%), and ₹500 on other spends (1%)
Estimated Net Value
+₹30,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.60% p.m.
Interest-Free Period: 20 to 50 days
Axis Bank Visa Cashback
MITC Verified Nov 2026
Axis Bank

Axis Bank Cashback Credit Card

•••• •••• •••• 2189

VISA
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 750+ Min ₹35,000/mo

Axis Bank Cashback Credit Card

Axis Bank • Cashback Tier

Our Take: Tier-based cashback card offering up to 7% monthly online cashback and unlimited 0.75% on offline retail.
Annual Fee
₹1,000
Waived @ ₹4 Lakh spend/yr
Joining Fee
₹1,000
₹200 Welcome Bonus
Rewards Rate
5%
Flat Cashback
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ Up to 7% accelerated online cashback on high-volume spending
✓ Substantial monthly cashback ceiling of ₹4,000 on accelerated categories
− Reaching top 7% cashback requires monthly online spends exceeding ₹40,000
Estimated Net Value
+₹14,200/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
Axis Bank Visa Classic
MITC Verified Nov 2026
Axis Bank

Axis Airtel

•••• •••• •••• 4210

VISA
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 700+ Min ₹25,000/mo

Axis Airtel

Axis Bank • Cashback Tier

Our Take: Essential utility and everyday card offering 25% cashback on Airtel bills (cap ₹250/mo), 10% on utilities via Airtel Thanks (cap ₹250/mo), 10% on Swiggy/Zomato/BigBasket (cap ₹500/mo), and 1% on other spends.
Annual Fee
₹500
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹500
₹500 Welcome Bonus
Rewards Rate
25%
Flat Cashback
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 25% cashback on Airtel bills (Mobile, Broadband, WiFi, DTH) 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)
− Complimentary airport lounge access discontinued on this variant
Estimated Net Value
+₹45,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
Standard Chartered Mastercard Platinum
MITC Verified Nov 2026
Standard Chartered

Standard Chartered Manhattan

•••• •••• •••• 1574

CardSahayak Score Verified
82 /100
4.1
Min CIBIL 700+ Min ₹25,000/mo

Standard Chartered Manhattan

Standard Chartered • Cashback Tier

Our Take: SCB Manhattan: 5% cashback on groceries and supermarkets (up to ₹500/month) and 3 RP per ₹150 on other retail purchases. ₹999 fee waived on ₹1.2L annual spend.
Annual Fee
₹999
Waived @ ₹1.2 Lakh spend/yr
Joining Fee
₹999
₹5,000 Welcome Bonus
Rewards Rate
5%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 5% cashback at supermarkets and departmental stores (DMart, Reliance Smart, BigBasket, More, Spencers)
✓ 3X Reward Points (3 RP per ₹150 spent) on all other retail spending categories
− 5% supermarket cashback capped at ₹500 per month (max ₹150 per transaction on min ₹1,000 spend)
Estimated Net Value
+₹15,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 18 to 48 days
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