1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹17,640* a year
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
2. Cashback SBI Card
Annual fee ₹999 · Rewards up to 5% · You keep ₹9,000* a year
The Cashback SBI Card gives 5% cashback on online spends and 1% on offline spends, credited straight to the card account. Total cashback is limited to ₹4,000 per statement cycle.
- 5% on online shopping
- 1% on other spends
3. BOB Cashback Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹8,051* a year
The BOB Cashback Credit Card gives 5% cashback on domestic online spends, up to ₹1,500 a month, and 1% on other spends. You can pay a ₹499 yearly fee or ₹49 a month.
- 5% on online shopping
- 1% on other spends
4. IDFC FIRST Hello Cashback Credit Card
Annual fee ₹1,000 · Rewards up to 3% · You keep ₹6,480* a year
The IDFC FIRST Hello Cashback Credit Card is issued against a fixed deposit from ₹10,000. It gives 3% to 5% cashback on online spends and 1% on in-store and UPI spends, with no foreign currency markup.
- 3% on online shopping
- 1% on other spends
5. Axis Bank ACE Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹5,400* a year
The Axis Bank ACE Credit Card gives 5% cashback on bills and recharges paid through Google Pay, and 4% on Swiggy, Zomato and Ola, with a shared limit of ₹500 per statement. Other eligible spends earn 1.5% with no limit.
- 5% on Google Pay bills
- 4% on Swiggy, Zomato
- 4% on Ola
- 1.5% on other spends
6. Standard Chartered Smart Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹5,040* a year
The Standard Chartered Smart Credit Card is a simple cashback card: 2% back on online spends and 1% on offline spends, with up to ₹1,500 a statement cycle. It also gives new cardholders 90 days of interest-free credit on the minimum payment, for a fee of just ₹499.
- 2% on online shopping
- 1% on other spends
7. HSBC RuPay Cashback Credit Card
Annual fee ₹499 · Rewards up to 10% · You keep ₹4,800* a year
The HSBC RuPay Cashback Credit Card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, up to ₹400 a month, and works on UPI. The ₹499 fee is waived on ₹2 lakh of yearly spends.
- 10% on dining and food delivery
- 10% on groceries
- 1% on other spends
8. Fibe Axis Bank Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹3,600* a year
The Fibe Axis Bank Credit Card is a lifetime free RuPay card, made with the lending app Fibe for its existing customers, that pays 3% cashback on online food delivery, entertainment and local commute. Other eligible spends, including larger UPI payments, earn 1%, with all cashback capped at ₹1,500 a statement.
- 1% on other spends
- SBI CardFlipkart SBIVISA
9. Flipkart SBI Credit Card
Annual fee ₹500 · Rewards up to 7.5% · You keep ₹3,600* a year
The Flipkart SBI Credit Card gives 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each up to ₹4,000 per quarter. Other eligible spends earn 1% with no limit.
- 7.5% on Myntra
- 5% on Flipkart
- 5% on Cleartrip
- 1% on other spends
10. HDFC Bank Millennia Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹3,600* a year
The HDFC Bank Millennia Credit Card gives 5% cashback on 10 online merchants and 1% on most other spends. Each rate has a monthly limit of 1,000 CashPoints.
- 5% on Amazon, Flipkart, Myntra, Swiggy
- 1% on other spends
- HDFC BankHDFC Bank Pixel GoVISA
11. HDFC Bank Pixel Go Credit Card
Annual fee ₹250 · Rewards up to 5% · You keep ₹3,600* a year
The HDFC Bank Pixel Go Credit Card is a low-fee starter card. It gives 1% cashback on eligible spends with no monthly limit, and 5% on HDFC Bank SmartBuy.
- 1% on other spends
12. HDFC Bank Pixel Play Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,600* a year
The HDFC Bank Pixel Play Credit Card lets you pick two 5% cashback packs, such as food, travel or fashion, and one shopping site for 3%. It suits people who spend most of their money with a few favourite brands.
- 5% on Zomato
- 5% on BookMyShow
- 5% on MakeMyTrip, Uber
- 5% on Blinkit, Reliance Smart Bazaar
13. Kotak 811 Dream Different Credit Card
Annual fee Free · Rewards up to 2% · You keep ₹3,600* a year
The Kotak 811 Dream Different Credit Card is issued against a Kotak fixed deposit, so you can get it without income proof or a credit score, with a limit of up to 90% of the FD. It has no annual fee and pays 2% cashback in any billing cycle where you spend ₹15,000, up to ₹500.
- 0% on other spends
- 2% on spends above ₹15,000 a month
14. slice UPI Credit Card
Annual fee Free · Rewards up to 1% · You keep ₹3,600* a year
The slice UPI Credit Card is a lifetime free RuPay card from slice small finance bank that gives 1% back on most spends, by card or UPI, with no forex markup. It suits people who want a simple free card for everyday UPI payments.
- 1% on other spends
- AU Small Finance BankKiwi RuPay Credit Card on UPIRuPay
15. Kiwi RuPay Credit Card on UPI
Annual fee Free · Rewards up to 1.5% · You keep ₹3,420* a year
The Kiwi credit card is a RuPay credit card you use on UPI through the Kiwi app. It is issued by partner banks, and it gives 1.5% cashback on UPI Scan and Pay and 0.5% on online payments.
- 0.5% on online shopping
- 1.5% on other spends
16. Airtel Axis Bank Credit Card
Annual fee ₹500 · Rewards up to 25% · You keep ₹3,240* a year
The Airtel Axis Bank Credit Card suits people who pay Airtel and utility bills through the Airtel Thanks app. It gives 1% cashback on other eligible spends, and that base cashback sets how much you can earn on those bills.
- 1% on other spends
17. Amazon Pay ICICI Bank Credit Card
Annual fee Free · Rewards up to 5% · You keep ₹3,240* a year
The Amazon Pay ICICI Bank Credit Card is lifetime free and gives 5% back on Amazon.in for Prime members (3% without Prime) and 1% on other spends, credited as Amazon Pay balance. It suits people who shop on Amazon often.
- 3% on Amazon
- 2% on Amazon
- 1% on other spends
18. Flipkart Axis Bank Credit Card
Annual fee ₹500 · Rewards up to 7.5% · You keep ₹3,240* a year
The Flipkart Axis Bank Credit Card gives 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each up to ₹4,000 per statement quarter. Other eligible spends earn 1% or 4% with no limit.
- 7.5% on Myntra
- 5% on Flipkart
- 5% on Cleartrip
- 4% on Swiggy
19. Axis Bank Cashback Credit Card
Annual fee ₹1,000 · Rewards up to 2% · You keep ₹3,230* a year
The Axis Bank Cashback Credit Card suits people who spend a lot online. Online cashback rises from 2% to 7% as your monthly spends grow, up to ₹4,000 per statement month, and other eligible spends earn 0.75%.
- 2% on online shopping
- 0.5% on bills and utilities
- 0.75% on other spends
20. IDFC FIRST EARN Credit Card
Annual fee ₹499 · Rewards up to 5.5% · You keep ₹1,800* a year
The IDFC FIRST EARN Credit Card is a virtual RuPay card issued against a fixed deposit from ₹5,000. It gives 0.5% to 1% cashback on UPI and online spends, up to ₹500 a cycle, with zero forex markup, so it suits people building a credit history.
- 0.5% on other spends
21. Kotak Cashback+ Credit Card
Annual fee ₹750 · Rewards up to 5% · You keep ₹1,620* a year
The Kotak Cashback+ Credit Card gives 5% back on online food and grocery delivery, movie tickets and OTT, and 3% on fuel, up to ₹750 a billing cycle. Other spends earn 0.5% with no limit.
- 5% on Swiggy, Zomato
- 5% on BigBasket, Blinkit
- 5% on BookMyShow
- 3% on fuel
Compare these cards
How to choose a cashback credit card
- Where the top rate works: all online shops, or only named brands.
- The monthly or quarterly limit on the top rate.
- Spends that earn nothing, such as fuel, rent, wallet loads or bills.
- Whether cashback reaches your bill by itself, or you must redeem it.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending with a lot of online shopping, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Is cashback better than reward points?
Cashback is simpler, because you know its value. Points can be worth more or less depending on how you use them, and some lapse.
Do cashback cards have a limit?
Most do. The top rate usually stops at a monthly or quarterly limit, so check the card page before you apply.
Does fuel earn cashback?
Usually not. Most cashback cards leave out fuel, and only waive the fuel surcharge within set limits.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money