Top Cashback Credit Cards in India for 2026

Cashback credit cards give you a percentage of your spending back—either as a direct discount on your bill, credit to a linked wallet, or as points that can be redeemed at full value. Some cards offer higher cashback on specific categories or brands (usually between 1% and 10%), along with standard cashback on other spends.

The best cashback credit card for you depends on where you spend the most. If you often spend on dining, groceries, utility bills, or online shopping, choosing a card that rewards those categories will help you save more.

Here’s a list of the best cashback credit cards in India that offer great value on everyday expenses.

Best Cashback Credit Cards in India for 2026

Here is list of top Cashback credit cards along with detailed benefits and fees & charges.

Explore Other Cashback Credit Cards

Cashback SBI Credit Card

Cashback SBI Credit Card

Joining Fee: ₹999
💵 Cashback 🔰 Entry-Level 🛍 Online Shopping 
  • Get 5% cashback on all online spends
  • Earn 1% cashback on all offline transactions
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AU Altura Plus Credit Card

AU Altura Plus Credit Card

Joining Fee: ₹499
💵 Cashback 🏆 Reward 
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AU Altura Credit Card

AU Altura Credit Card

Joining Fee: ₹199
🛒 Shopping 💵 Cashback 
  • Get 2% cashback on groceries, departmental stores and utility payments (up to ₹50/month)
  • Earn 1% cashback on other retail spends (up to ₹50/month)
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HDFC Millennia Credit Card

HDFC Millennia Credit Card

Joining Fee: ₹1000
💵 Cashback 🛍 Online Shopping 
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Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

Joining Fee: ₹500
🍽 Dining 💵 Cashback 
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Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

Joining Fee: ₹500
💵 Cashback 🔰 Entry-Level 🛍 Online Shopping 
  • Get 5% cashback on Flipkart and Cleartrip spends
  • Enjoy 4% cashback on preferred partners like Swiggy, PVR, Uber, and Cult.fit
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Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card

Joining Fee: ₹500
💵 Cashback 🔰 Entry-Level 
  • Get 25% cashback on Airtel mobile, broadband, WiFi, and DTH payments via Airtel Thanks app
  • Earn 10% cashback on utility bill payments through Airtel Thanks app
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IDFC FIRST Hello Cashback Credit Card

IDFC FIRST Hello Cashback Credit Card

Joining Fee: ₹1000
💵 Cashback 
  • Earn 5% cashback on online spends above ₹10,000 and 3% on spends up to ₹10,000 per month
  • Get 1% cashback on offline, essential and UPI spends, plus extra 1% on flight & hotel bookings via the app
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IDFC FIRST EARN Credit Card

IDFC FIRST EARN Credit Card

Joining Fee: ₹499
🎥 Entertainment 💵 Cashback 
  • Get 1% cashback on UPI spends via the app (up to ₹500/month)
  • Earn 0.5% cashback on third-party UPI spends (up to ₹500/month)
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AU LIT Credit Card

AU LIT Credit Card

Joining Fee: ₹0
💵 Cashback 🏆 Reward ∞ Lifetime free 
  • Get 5% cashback on grocery spends (up to ₹500 in 30 days) with ₹299 plan
  • Get 5% cashback on apparel spends (up to ₹500 in 30 days) with ₹199 plan
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