Best Cashback Credit Cards Ranked
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HSBC LIVE+
Joining Fee: ₹999 | Annual Fee: ₹999
Key Features: Dining & Groceries: 10% accelerated cashback on dining, food delivery, and groceries (capped at ₹1,200/month), Base Rewards: 1.5% unlimited cashback on all other eligible retail purchases, Lounge Access: 2 complimentary domestic lounge visits/year (1 per 6 months), Fee Waiver: ₹999 annual fee waived on ₹2 Lakh annual spend
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PHONEPE HDFC ULTIMO
Joining Fee: ₹999 | Annual Fee: ₹999
Key Features: PhonePe Rewards: Accelerated CashPoints on utility recharges and merchant bills via PhonePe, Scan & Pay: 1% cashback on UPI QR scan-and-pay transactions, Lounge Access: 8 complimentary domestic lounge visits/year (subject to ₹75K quarterly spend), Fee Waiver: ₹999 annual fee waived on ₹2 Lakh annual spend
Read full review of PHONEPE HDFC ULTIMO -
Swiggy HDFC Bank Credit Card
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: Swiggy Orders: 10% direct cashback on Swiggy food delivery, Instamart, Dineout, and Genie (capped at ₹1,500/month), Online Brands: 5% cashback on Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, and Cleartrip (capped at ₹1,500/month), Statement Credit: Cashback credited directly as statement balance on monthly bill, Fee Waiver: ₹500 annual fee waived on ₹2 Lakh annual spend
Read full review of Swiggy HDFC Bank Credit Card -
HDFC MILLENNIA
Joining Fee: ₹1,000 | Annual Fee: ₹1,000
Key Features: Top Online Portals: 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata CLiQ (capped at ₹1,000/month), Base Rewards: 1% CashPoints on all other spends and wallet loads (capped at ₹1,000/month), Lounge Access: 4 complimentary domestic lounge visits/year (1 per quarter, subject to ₹1 Lakh quarterly spend), Fee Waiver: ₹1,000 annual fee waived on ₹1 Lakh annual spend
Read full review of HDFC MILLENNIA -
AMAZON PAY ICICI
Joining Fee: Free | Annual Fee: Free
Key Features: Amazon Spends: 5% unlimited cashback for Amazon Prime members (3% for non-Prime) with no monthly caps, Bill Payments: 2% unlimited cashback on 100+ partner merchants paying via Amazon Pay, Base Cashback: 1% unlimited cashback on all other retail transactions, Lifetime Free: Zero joining fee and zero annual renewal fee with no conditions
Read full review of AMAZON PAY ICICI -
FLIPKART AXIS
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: Flipkart Shopping: 5% cashback on Flipkart purchases (capped at ₹4,000 per statement cycle), Partner Merchants: 4% cashback on Swiggy, Uber, PVR, Cult.fit, and Cleartrip, Base Rewards: 1% unlimited cashback on other retail transactions, Fee Waiver: ₹500 annual fee waived on ₹3.5 Lakh annual spend
Read full review of FLIPKART AXIS -
AIRTEL AXIS
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: Airtel Services: 25% cashback on Airtel mobile, broadband, and DTH recharges via Airtel Thanks (capped at ₹250/month), Utility Bills: 10% cashback on electricity, gas, and water bill payments via Airtel Thanks (capped at ₹250/month), Food Delivery: 10% cashback on Zomato, Blinkit, and BigBasket (capped at ₹500/month), Fee Waiver: ₹500 annual fee waived on ₹2 Lakh annual spend
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TATA NEU INFINITY
Joining Fee: ₹1,499 | Annual Fee: ₹1,499
Key Features: Tata Neu Spends: Up to 10% NeuCoins on Tata Neu partner brands (5% card + 5% NeuPass), UPI Rewards: 1.5% NeuCoins on Tata Neu UPI payments (capped at 500 NeuCoins/month), Lounge Access: 8 domestic lounge visits/year (2/quarter upon ₹50K spend) + 4 international lounge visits via Priority Pass, Fee Waiver: ₹1,499 annual fee waived on ₹3 Lakh annual spend
Read full review of TATA NEU INFINITY -
SC SMART
Joining Fee: ₹499 | Annual Fee: ₹499
Key Features: Online Cashback: 2% cashback on eligible online purchases (capped at ₹1,000/month), Offline Cashback: 1% cashback on other eligible retail spends (capped at ₹1,000/month), Extended Interest-Free: Flexible EMI conversions and low interest options, Fee Waiver: ₹499 annual fee waived on ₹1.2 Lakh annual spend
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
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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. While co-branded cards like HDFC Swiggy (10% on Swiggy) and Amazon Pay ICICI (5% on Amazon) offer maximum value on their respective platforms, versatile cards like HDFC Millennia or Axis Ace provide broad cashback across multiple shopping and utility categories.
- Is there a limit on cashback earned per month?
- Yes, most cashback credit cards enforce monthly caps on rewards. For instance, HDFC Swiggy caps its 10% cashback category at ₹1,500 per month, and HDFC Millennia caps its 5% online shopping tier at ₹1,000 per month. Always calculate your monthly spends against these limits to find the net yield.
- 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.