Best Cashback Credit Cards Ranked
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HSBC LIVE+
Joining Fee: ₹999 | Annual Fee: ₹999
Key Features:
Read full review of HSBC LIVE+ -
PHONEPE SBI Card SELECT BLACK
Joining Fee: ₹1,499 | Annual Fee: ₹1,499
Key Features:
Read full review of PHONEPE SBI Card SELECT BLACK -
PHONEPE HDFC ULTIMO
Joining Fee: ₹999 | Annual Fee: ₹999
Key Features:
Read full review of PHONEPE HDFC ULTIMO -
SBI CASHBACK
Joining Fee: ₹999 | Annual Fee: ₹999
Key Features:
Read full review of SBI CASHBACK -
SWIGGY BLCK
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features:
Read full review of SWIGGY BLCK -
HDFC MILLENNIA
Joining Fee: ₹1,000 | Annual Fee: ₹1,000
Key Features:
Read full review of HDFC MILLENNIA -
AMAZON PAY ICICI
Joining Fee: Free | Annual Fee: Free
Key Features:
Read full review of AMAZON PAY ICICI -
FLIPKART AXIS
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features:
Read full review of FLIPKART AXIS -
AIRTEL AXIS
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features:
Read full review of AIRTEL AXIS -
TATA NEU INFINITY
Joining Fee: ₹1,499 | Annual Fee: ₹1,499
Key Features:
Read full review of TATA NEU INFINITY -
SC SMART
Joining Fee: ₹499 | Annual Fee: ₹499
Key Features:
Read full review of SC SMART -
Jupiter Edge+ CSB Bank RuPay Card
Joining Fee: Lifetime Free | Annual Fee: Lifetime Free
Key Features: Partner Brands: 10% cashback (as Jewels) on Amazon, Flipkart, Myntra, Ajio, Nykaa, etc., Travel: 5% cashback on MakeMyTrip, EaseMyTrip, Yatra, Cleartrip, UPI & General: 1% cashback on other online, offline, and scan-and-pay UPI transactions
Read full review of Jupiter Edge+ CSB Bank RuPay Card -
Bank of Baroda Eterna Credit Card
Joining Fee: ₹2,499 | Annual Fee: ₹2,499
Key Features: Travel & Dining: 3.75% reward rate on travel, dining, online, Lounge: Unlimited domestic lounge access
Read full review of Bank of Baroda Eterna Credit Card -
Kiwi RuPay Credit Card
Joining Fee: Free | Annual Fee: Free
Key Features: Scan & Pay: 2% cashback on scan and pay UPI, Lifetime Free: No joining or annual fees
Read full review of Kiwi RuPay Credit Card -
AU Bank Xcite Ace Credit Card
Joining Fee: ₹399 | Annual Fee: ₹399
Key Features: Offline Cashback: 3% cashback on offline spends, Online Cashback: 2% cashback on online spends
Read full review of AU Bank Xcite Ace Credit Card -
Equitas Selfe Credit Card
Joining Fee: Free | Annual Fee: Free
Key Features: FD Backed: Issued against fixed deposit, No Income Proof: Ideal for building credit score
Read full review of Equitas Selfe Credit Card -
Axis Bank Ace Credit Card
Joining Fee: ₹499 | Annual Fee: ₹499
Key Features: Google Pay Utilities: 5% cashback on bill payments via Google Pay, Swiggy/Zomato/Ola: 4% cashback
Read full review of Axis Bank Ace Credit Card -
Bank of Baroda Cashback Credit Card
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: Utilities/Grocery: 5% cashback, Base Reward: 1% on all other spends
Read full review of Bank of Baroda Cashback Credit Card -
Axis Bank Cashback Credit Card
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: Base Reward: Broad cashback across categories, Online Spends: Bonus rewards on select merchants
Read full review of Axis Bank Cashback Credit Card
Frequently Asked Questions
- Which cashback credit card is best in India?
- The best cashback card depends on your spend profile. The SBI Cashback card is generally the best for broad online shopping, while co-branded cards like HDFC Swiggy and Amazon Pay ICICI offer higher value on their respective platforms.
- Is there a limit on cashback earned per month?
- Yes, most cashback credit cards enforce monthly caps on rewards. For instance, the 5% cashback on the SBI Cashback card is capped at ₹2,000 per statement cycle, and HDFC Swiggy caps its 10% cashback category at ₹1,500 per month.
- Are utility bill payments eligible for cashback rewards?
- Many premium cashback cards exclude utility bill payments from cashback rewards or offer only a baseline reward. However, cards like Axis Ace offer 5% cashback on utilities when paid via Google Pay.