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Best Cashback in India 2026

Compare the best cashback in India. 20 cards ranked by our experts.

Showing 20 cards

Best for: Frequent Amazon shoppers, especially Prime members looking for a no-fee card with unlimited cashback on Amazon purchases. Also ideal for first-time credit card users and students.
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

4.2 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

FREE

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
1/year #54
Min Credit Score
750+ #50
Categories Cashback, Co-Branded, Entry Level, Lifetime Free, Shopping
View full details
CardNitty's take

Pros

  • Lifetime free with zero joining and annual fees
  • Up to 5% unlimited cashback on Amazon for Prime members
  • No cap on cashback earnings and rewards never expire
  • Low forex markup of 1.99%
  • 1% fuel surcharge waiver
  • 15% off dining via ICICI Culinary Treats
  • Seamless auto-redemption to Amazon Pay balance

Cons

  • Cashback limited to Amazon Pay balance, not statement credit
  • No airport lounge access without Rs. 75,000 quarterly spend
  • No insurance or travel benefits
  • No cashback on fuel, rent, EMI, international, education, or wallet load spends
  • 1% base rate on non-Amazon spends is below some competitors
  • New fees from Jan 2026: wallet load, gaming, transportation surcharges
Read full review
Best for: Young professionals and online shoppers who frequently use Amazon, Flipkart, Swiggy, Zomato, and other popular platforms
HDFC Millennia

HDFC Millennia

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹1.00 - ₹3.00/₹100

#32

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Attractive 5% cashback on 10 popular online brands
  • Low annual fee of Rs 1,000 easily waived on Rs 1L spend
  • 1 CashPoint = Rs 1 for statement credit - simple redemption
  • Quarterly milestone vouchers worth Rs 1,000 each
  • Dining discount via Swiggy Dineout

Cons

  • Monthly cashback cap of only 2,000 CashPoints (Rs 2,000)
  • High 3.5% forex markup for international transactions
  • Lounge access now requires quarterly spend milestone
  • No insurance or premium lifestyle benefits
Read full review
Best for: Frequent Tata brand shoppers (Croma, BigBasket, Westside, Tata CLiQ) who want to maximize cashback on everyday Tata ecosystem purchases.
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹1.50/₹100

#32

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
1/year #54
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 7% NeuCoins on Tata Neu App with NeuPass
  • 2% NeuCoins on Tata brand purchases
  • 1 NeuCoin = Rs 1 simple redemption value
  • Low annual fee of Rs 499 with easy waiver at Rs 1 lakh spend
  • Domestic lounge access on quarterly spend milestones
  • Available in both Visa and RuPay variants with UPI support

Cons

  • No international lounge access
  • No movie or dining benefits
  • Lounge access requires Rs 50,000 quarterly spend milestone
  • NeuCoins valid only for 12 months
  • Only 1% rewards on non-Tata spends
Read full review
Best for: Google Pay users who pay utility bills, Swiggy/Zomato/Ola users, people seeking strong base cashback with no cap
Axis Bank Ace

Axis Bank Ace

3.7 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹5.00/₹100

#32

Joining fee

₹499

#10

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Lifetime Free, Lounge Access
View full details
CardNitty's take

Pros

  • Highest cashback (5%) on utility bills via Google Pay
  • Uncapped 1.5% base cashback on all other spends
  • 4 complimentary domestic airport lounge visits per year
  • Low annual fee of Rs. 499, waivable on Rs. 2 lakh annual spend
  • 4% cashback on Swiggy, Zomato and Ola
  • Free card replacement
  • 1% fuel surcharge waiver up to Rs. 500 per cycle

Cons

  • Accelerated cashback (5% and 4%) capped at Rs. 500 per statement cycle combined
  • iOS users cannot use Google Pay bill pay feature for 5% cashback
  • No cashback on fuel, EMI, rent, wallet loads, insurance and gold purchases
  • 3.5% forex markup makes it poor for international transactions
  • Base cashback reduced from 2% to 1.5% in April 2024 devaluation
Read full review
Best for: Frequent online shoppers who want simple, unrestricted 5% cashback on all online purchases without brand or merchant limitations.
Cashback SBI Card

Cashback SBI Card

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹999

#41

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Flat 5% cashback on all online spends without any merchant restriction
  • High monthly cashback cap of Rs. 5,000 (Rs. 60,000 annually)
  • Cashback auto-credited to statement, no manual redemption needed
  • Low annual fee of Rs. 999 with easy waiver on Rs. 2L annual spend
  • 1% fuel surcharge waiver at all petrol pumps in India

Cons

  • No cashback on fuel, rent, utility, wallet, insurance, education, and jewellery
  • No airport lounge access or travel benefits
  • High forex markup of 3.5% makes it unsuitable for international use
  • No welcome bonus or milestone rewards beyond fee waiver
Read full review
Best for: Frequent Flipkart and Myntra shoppers seeking direct cashback on online purchases with a low annual fee card.
Flipkart SBI Card

Flipkart SBI Card

3.9 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹6.25/₹100

#25

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • High 7.5% cashback on Myntra and 5% on Flipkart
  • Unlimited 1% cashback on all other eligible spends
  • Low annual fee of Rs. 500, easily waivable at Rs. 3.5L spend
  • Cleartrip integration with instant discounts plus cashback
  • 4% cashback on Netmeds, Uber, Zomato, and PVR

Cons

  • No complimentary airport lounge access
  • Quarterly caps of Rs. 4,000 on each accelerated cashback category
  • High 3.5% forex markup on international transactions
  • Many spending categories excluded from cashback
Read full review
Best for: Airtel users (mobile, broadband, DTH) paying via Airtel Thanks app, Swiggy/Zomato/BigBasket shoppers, utility bill payers seeking cashback.
Axis Bank Airtel

Axis Bank Airtel

3.8 CardNitty rating
APPLY NOW on Axis Bank's website

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹15.00/₹100

#4

Joining fee

₹500

#21

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 25% cashback on Airtel bills via Airtel Thanks app
  • 10% cashback on utility bills and food delivery partners
  • Low annual fee of Rs 500 with easy waiver at Rs 2 lakh spend
  • 4 complimentary domestic airport lounge visits per year
  • 1% unlimited cashback on all other retail spends

Cons

  • Cashback caps are low (Rs 250/month on Airtel and utility)
  • Utility cashback only works through Airtel Thanks app
  • No international lounge access
  • High forex markup of 3.5%
  • New surcharges on fuel, education, wallet loads from Dec 2024
Read full review
Best for: Young spenders who want customizable cashback on dining, fashion, travel, grocery, and electronics brands with a low annual fee
HDFC Pixel Play

HDFC Pixel Play

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Up to 5% cashback on 10 popular partner brands across 5 customizable categories
  • Low annual fee of Rs 500, easily waivable on Rs 1L spend
  • 1% unlimited cashback on all other eligible spends
  • Digital-first card with instant issuance via PayZapp
  • Additional 5% cashback on HDFC SmartBuy platform
  • Dual network option with Visa physical + RuPay digital card

Cons

  • CashPoints redemption restricted to PayZapp wallet only
  • Split limit required for existing HDFC card holders
  • No lounge access or insurance coverage
  • 500 CashPoints monthly cap per category limits high-spenders
  • 3.5% forex markup makes it poor for international use
Read full review
Best for: Frequent UPI users, existing HDFC cardholders wanting rewards on UPI spends, budget-conscious users seeking cashback on groceries and utilities.
HDFC Bank UPI RuPay

HDFC Bank UPI RuPay

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹99

#1

Rewards rate

₹1.00 - ₹8.50/₹100

#57

Joining fee

₹99

#2

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Earn CashPoints on both UPI and regular transactions
  • Up to 3% rewards on groceries, supermarket and dining
  • 2% rewards on utility bill payments (rare benefit)
  • Very low annual fee of Rs. 99 with easy waiver at Rs. 25,000 spend
  • Seamless integration with all major UPI apps

Cons

  • Low effective reward rate of 0.25% to 0.75% in INR terms
  • Monthly caps of 500 CashPoints per category limit earning potential
  • Virtual card only - no physical card issued
  • Only available as add-on to existing HDFC Bank card
  • No airport lounge access or premium perks
  • Limited international acceptance with RuPay network
Read full review
Best for: First-time credit card users, students, and beginners looking for a simple cashback card with low fees and digital-first experience via PayZapp
HDFC Pixel Go

HDFC Pixel Go

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹250

#3

Rewards rate

₹1.00/₹100

#14

Joining fee

₹250

#4

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 250 with easy waiver at Rs. 50,000 annual spend
  • 1% unlimited cashback on all eligible spends with no monthly cap
  • 5% cashback on SmartBuy platform (flights, hotels, vouchers)
  • Dual network (Visa + RuPay) with UPI credit card functionality
  • Fully digital card management via PayZapp app
  • FD-backed option available for those with no credit history

Cons

  • No airport or railway lounge access
  • High forex markup of 3.5% makes it poor for international use
  • 5% SmartBuy cashback capped at 500 CashPoints per month
  • No concierge or premium lifestyle benefits
  • Minimum 500 CashPoints needed to redeem rewards
Read full review
Best for: Budget-conscious individuals who want cashback on everyday spends like fuel, groceries, mobile recharges, and bill payments. Ideal for first-time credit card users.
HDFC Bharat

HDFC Bharat

3.5 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹2.50/₹100

#32

Joining fee

₹500

#21

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Entry Level, Fuel
View full details
CardNitty's take

Pros

  • Affordable Rs. 500 annual fee with spend-based waiver at Rs. 20,000
  • 5% cashback on fuel, grocery, IRCTC, bill payments
  • 5% cashback on PayZapp, SmartBuy and EasyEMI
  • Rs. 50 Lakhs accidental death insurance cover
  • 1% fuel surcharge waiver at all fuel stations
  • Zero lost card liability protection

Cons

  • Cashback capped at Rs. 150 per category per month (Rs. 300 total)
  • No lounge access or dining benefits
  • High forex markup of 3.5%
  • Reward redemption capped at 3,000 points/month
  • New applications stopped by HDFC Bank
Read full review
Best for: Small business owners and self-employed professionals looking for a low-fee card to earn rewards on EMI, utility bills, and everyday business expenses.
HDFC Biz First

HDFC Biz First

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹500

#21

Rewards rate

₹0.15 - ₹3.00/₹100

#90

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low joining and annual fee of Rs.500 with easy waiver on Rs.50K spend
  • Up to 3% CashPoints on EMI spends with decent category rates
  • UPI payment support with 1% CashPoints via RuPay
  • Business insurance package available at affordable premium
  • Quarterly milestone bonus of 2,000 CashPoints

Cons

  • No lounge access (domestic or international)
  • No complimentary insurance coverage
  • High forex markup of 3.5% makes it poor for international use
  • Low reward caps limit earning potential
Read full review
Best for: Business owners and self-employed individuals who frequently use Paytm for business transactions, bill payments and recharges. Also good for those wanting domestic lounge access with a low annual fee.
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
12/year #14
Min Credit Score
700+ #3
Categories Business, Cashback, Co-Branded, Lounge Access
View full details
CardNitty's take

Pros

  • Up to 5% cashback on Paytm spends
  • 12 complimentary domestic airport lounge visits per year
  • Low joining fee of Rs 1,000 with fee waiver option
  • Personal Accident Cover up to Rs 15 lakh
  • 3% cashback on Swiggy, AJIO, BigBasket and Uber

Cons

  • No international lounge access
  • High forex markup of 3.5% plus GST
  • Cashback redemption capped at 3,000 points per month
  • Cashback not applicable on fuel, wallet, EMI, rent and government spends
Read full review
Best for: UPI payment enthusiasts, beginners building credit history, small business owners who want CashPoints on daily expenses including groceries, dining and utility payments.
HDFC Bank UPI RuPay Biz

HDFC Bank UPI RuPay Biz

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹250

#3

Rewards rate

₹0.25/₹100

#85

Joining fee

₹250

#4

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Business, Cashback, Entry Level, RuPay, Shopping, UPI
View full details
CardNitty's take

Pros

  • CashPoints earned on both UPI and regular spends
  • Low annual fee of Rs.250 with easy Rs.25,000 spend waiver
  • 3% CashPoints on groceries, dining and PayZapp
  • Virtual card reduces theft and fraud risk
  • Interest-free period of up to 50 days

Cons

  • Low effective reward rate (0.25% to 0.75%)
  • No physical card issued
  • No lounge access or travel benefits
  • Issued only as add-on to existing HDFC card
  • Monthly caps of 500 CashPoints per category
Read full review
Best for: Self-employed resellers and wholesalers who regularly shop on Flipkart Wholesale and want to maximize cashback on business purchases and utility payments.
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Shopping
View full details
CardNitty's take

Pros

  • Zero joining fee with Rs 499 annual fee waivable at Rs 3L spend
  • 5% cashback on Flipkart Wholesale spends up to Rs 2,000 per month
  • 5% cashback on telecom, utility, government and tax payments
  • 1% cashback on all other spends with Rs 25,000 monthly cap
  • Up to 50 days interest-free credit period
  • 1% fuel surcharge waiver at all fuel stations

Cons

  • Cashback on utility and telecom payments capped at low Rs 250 per month
  • No lounge access, insurance, or lifestyle benefits
  • 3.5% forex markup makes it poor for international use
  • Limited to self-employed individuals with Flipkart Wholesale membership
  • No cashback on rent, education, fuel, wallet, and EMI transactions
Read full review
Best for: Small business owners and self-employed individuals looking for a simple cashback card with low annual fees.
HDFC Business Platinum

HDFC Business Platinum

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹299

#6

Rewards rate

₹0.50 - ₹0.75/₹100

#78

Joining fee

₹299

#7

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
650+ #1
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 299 with easy waiver at Rs 30K spend
  • Up to 1% direct cashback on retail purchases
  • 1% cashback on international spends above Rs 10K
  • Domestic airport lounge access
  • Fuel surcharge waiver up to Rs 500 per cycle

Cons

  • Cashback requires minimum statement balance of Rs 10K-50K
  • No cashback on fuel transactions
  • High forex markup of 3.5%
  • Card discontinued - no new applications accepted
  • No insurance or premium lifestyle benefits
Read full review
Best for: Individuals who spend heavily on dining, food delivery and groceries looking for high cashback with no brand restrictions.
HSBC Live+

HSBC Live+

3.6 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹999

#41

Rewards rate

₹1.50 - ₹7.50/₹100

#14

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Dining, Grocery, Lounge Access
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on dining, food delivery and groceries
  • 1.5% unlimited cashback on all other eligible retail spends
  • Low annual fee of Rs 999 easily waived on Rs 2L spend
  • Automatic cashback credit, no redemption hassle
  • 4 complimentary domestic airport lounge visits per year

Cons

  • High forex markup at 3.5%
  • No fuel surcharge waiver
  • Long list of cashback exclusions including utilities, fuel, rent, insurance
  • No international lounge access
  • Available only in select Indian cities
Read full review
Best for: Entry-level cardholders seeking cashback on dining and groceries, frequent UPI users, those wanting affordable airport lounge access
HSBC RuPay Cashback

HSBC RuPay Cashback

2.8 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹7.50/₹100

#14

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Domestic Lounge
2/year #48
International Lounge
2/year #19
Min Credit Score
700+ #3
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 10% cashback on dining/grocery/food delivery
  • Affordable ₹499 annual fee
  • Complimentary lounge access (2 domestic per quarter + 2 international per year)
  • 0% forex markup until Dec 2025
  • UPI integration
  • ₹500 welcome cashback + Amazon voucher

Cons

  • Low ₹400 monthly cashback cap
  • No fuel surcharge waiver
  • No insurance coverage
  • Limited to select cities
  • No rewards on many categories
Read full review
Best for: Online shoppers and those making frequent utility payments who want straightforward cashback rewards without category restrictions
Standard Chartered Smart

Standard Chartered Smart

3.6 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹2.00/₹100

#68

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Utility
View full details
CardNitty's take

Pros

  • Simple 2% cashback on all online spends
  • 1% cashback on offline spends with no merchant restrictions
  • Utility bill payments eligible for cashback
  • 90-day extended interest-free period for new cardholders
  • Zero processing fee on 3-month EMI conversions
  • Cashback never expires
  • Low annual fee (Rs. 499) with spend-based waiver
  • 0.99% monthly interest on 3-month EMIs

Cons

  • No welcome bonus or renewal benefits
  • No lounge access (domestic or international)
  • No fuel surcharge waiver or cashback on fuel
  • Monthly cashback caps limit high spenders
  • No insurance coverage
  • Higher forex markup (3.5%) compared to premium cards
  • Lacks premium features like concierge or golf benefits
Read full review
Best for: Frequent Swiggy users who order food, groceries via Instamart, and dine out regularly. Also great for online shoppers on Amazon, Flipkart, Myntra, and other platforms.
Swiggy HDFC Bank

Swiggy HDFC Bank

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹7.50/₹100

#14

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Dining, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on Swiggy platform spends
  • 5% cashback on popular online shopping platforms including Amazon and Flipkart
  • Low annual fee of Rs 500 with easy Rs 2 lakh waiver
  • Cashback credited directly as statement credit
  • Mastercard World tier benefits including golf and hotel discounts
  • Complimentary Swiggy One membership worth Rs 1,199 on activation

Cons

  • No airport lounge access
  • No fuel surcharge waiver and fuel spends excluded from cashback
  • High forex markup of 3.5% plus GST
  • Cashback caps limit maximum earning to Rs 3,500 per month
  • Many common categories like rent, wallet, and EMI excluded from earning
Read full review

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