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.

Cashback SBI Credit Card
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Cashback SBI Credit Card

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Joining Fee Joining Fee
₹999 + GST
Annual Fee Annual Fee
₹999 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Cashback | Entry-Level | Online Shopping

Reward Key Benefits

  • Get 5% cashback on all online spends
  • Earn 1% cashback on all offline transactions
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across petrol pumps

  • 5% cashback on all online spends
  • 1% cashback on offline and utility bill spends
  • Up to ₹60,000 cashback in a year
  • No merchant restrictions on online spends
  • Cashback credited within 2 days of bill generation
  • Renewal fee waived on annual spends of ₹2 lakh
  • 1% fuel surcharge waiver up to ₹100 per month
  • Supports contactless payments for faster transactions
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HDFC Millennia Credit Card
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HDFC Millennia Credit Card

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Joining Fee Joining Fee
₹1000 + GST
Annual Fee Annual Fee
₹1000 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Cashback | Online Shopping

Reward Key Benefits

  • Earn 5% cashback on popular platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • Get 1% cashback on all other spends, including EMI and wallet transactions
  • Enjoy 1 complimentary lounge visit or get a voucher worth ₹1,000 on spending ₹1 lakh in a quarter

  • Get 5% cashback on popular online brands like Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ, and Sony LIV.
  • Earn 1% cashback on all other spends, including wallet loads and EMIs.
  • Enjoy 20% discount on partner restaurants through Dineout.
  • Spend ₹1 lakh or more in a calendar quarter to receive a ₹1,000 gift voucher.
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Flipkart Axis Bank Credit Card
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Flipkart Axis Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Cashback | Entry-Level | Online Shopping

Reward Key Benefits

  • Get 5% cashback on Flipkart and Cleartrip spends
  • Enjoy 4% cashback on preferred partners like Swiggy, PVR, Uber, and Cult.fit
  • Earn 1% cashback on all other transactions

  • Cashback up to 7.5% on Myntra
  • 5% cashback on Flipkart & Cleartrip
  • 4% cashback on partner merchants (cult.fit, PVR, Swiggy, Uber)
  • 1% base cashback on other spends
  • Welcome benefits: Flipkart voucher Rs. 250 & 50% off on Swiggy for new users
  • Fuel surcharge waiver: 1% on transactions ₹400–₹4,000
  • Dining discounts: Up to 15% at 10,000+ partner restaurants
  • EMI conversion on transactions above ₹2,500
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Swiggy HDFC Bank Credit Card
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Swiggy HDFC Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Dining | Cashback | Online Shopping

Reward Key Benefits

  • Get 10% cashback on Swiggy (food, Instamart, Dineout and Genie)
  • Earn 5% cashback on online spends across top brands
  • Get 1% cashback on other category spends

  • 10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
  • 5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
  • 1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
  • Complimentary Swiggy One: 3-month membership on activation.
  • Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
  • Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
  • Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
  • Zero Lost Card Liability: Report lost card to avoid fraudulent charges.
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Airtel Axis Bank Credit Card
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Airtel Axis Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining | Cashback | Entry-Level

Reward Key Benefits

  • 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
  • Enjoy 10% cashback on Swiggy, Zomato, and BigBasket

Tata Neu Infinity HDFC Bank Credit Cards
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Tata Neu Infinity HDFC Bank Credit Cards

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Joining Fee Joining Fee
₹1499 + GST
Annual Fee Annual Fee
₹1499 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Shopping | Cashback

Reward Key Benefits

  • Earn 5% value-back on Tata Neu and partner Tata brand spends
  • Get additional 5% NeuCoins on select categories via Tata Neu app
  • Earn 1.5% value-back on other spends, including EMI transactions

  • Earn a welcome bonus of 1,499 NeuCoins on first transaction.
  • Get 10% NeuCoins on purchases via Tata Neu app.
  • Earn 5% NeuCoins on Tata partner brand spends and 1.5% NeuCoins on all other transactions.
  • Enjoy complimentary domestic and international lounge access.
  • Benefit from a low foreign currency markup fee of 2%.
  • Avail 1% fuel surcharge waiver, up to Rs. 500 per month.
  • Waive the annual fee by meeting the required spend threshold.
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Tata Neu Infinity SBI Card
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Tata Neu Infinity SBI Card

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Joining Fee Joining Fee
₹1499 + GST
Annual Fee Annual Fee
₹1499 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Shopping | Cashback

Reward Key Benefits

  • Get 5% value-back on Tata Neu and partner Tata brand spends
  • Earn additional 5% value-back on select categories via Tata Neu app/website
  • Get 1.5% value-back on non-Tata spends, including EMI transactions

  • Enjoy low forex mark-up fee of 1.99%
  • Get 8 complimentary domestic lounge visits per year (max 2 per quarter on ₹75,000 quarterly spend)
  • Get Priority Pass membership with 4 international lounge visits per year (max 1 per quarter)
  • Get 5% value-back as NeuCoins on Tata Neu and partner brands like Air India, Westside, BigBasket, Titan and more
  • Earn an extra 5% value-back on select spends via Tata Neu app/website
  • Get 1.5% value-back as NeuCoins on other spends
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HSBC Live+ Credit Card
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HSBC Live+ Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining | Cashback | Online Shopping

Reward Key Benefits

  • Get ₹1,000 cashback on ₹20,000 spend within the first 30 days
  • Earn 10% cashback on dining, grocery and food delivery (up to ₹1,000/month)
  • Enjoy unlimited 1.5% cashback on all other spends

HSBC RuPay Cashback Credit Card
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HSBC RuPay Cashback Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Cashback

Reward Key Benefits

  • Get 10% cashback on dining, grocery and food delivery spends
  • Earn 1% cashback on other spends, including UPI transactions
  • Enjoy 8 domestic and 2 international airport lounge visits every year

BOBCARD Cashback
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BOBCARD Cashback

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Cashback

Reward Key Benefits

  • Earn 5% cashback on select online spends (on minimum 4 transactions per month)
  • Get unlimited 1% cashback on all other spends
  • Save with 1% fuel surcharge waiver up to ₹250 per month

Best Cashback Credit Cards in India for 2026

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

1. Cashback SBI Credit Card

Cashback SBI Credit Card

Joining Fee: Rs. 999 + GST

Annual Fee: Rs. 999 + GST

Key Features and Benefits:

  • Get 5% cashback on all online spends
  • Earn 1% cashback on all offline transactions
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across petrol pumps
  • Annual fee waived on spending ₹2 lakh in a year

Note: The Cashback SBI Card offers up to 5% cashback on online spends with no merchant restrictions, auto-crediting cashback to your statement. However, there's a ₹5,000 monthly cap and no cashback on utility bills, rent, fuel, or wallet loads. Annual fee waiver is available on ₹2 lakh yearly spend.

2. HDFC Millennia Credit Card

HDFC Millennia Credit Card

Joining Fee: Rs. 1000 + GST

Annual Fee: Rs. 1000 + GST

Key Features and Benefits:

  • Earn 5% cashback on popular platforms like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • Get 1% cashback on all other spends, including EMI and wallet transactions
  • Enjoy 1 complimentary lounge visit or get a voucher worth ₹1,000 on spending ₹1 lakh in a quarter
  • Save with 1% fuel surcharge waiver up to ₹250 per month on fuel spends between ₹400–₹5,000

The HDFC Bank Millennia Credit Card is a popular choice because of the exciting offers and benefits it provides. It is especially great for people who shop online often, as it gives good value back and rewards on top brands like Amazon, Zomato, Uber, Flipkart, and more.

3. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 5% cashback on Flipkart and Cleartrip spends
  • Enjoy 4% cashback on preferred partners like Swiggy, PVR, Uber, and Cult.fit
  • Earn 1% cashback on all other transactions
  • Welcome benefit worth ₹600 in the form of coupons
  • Get 4 complimentary domestic lounge visits per year on spending ₹50,000 in the last 3 months
  • 1% fuel surcharge waiver (up to ₹400 per month) on transactions between ₹400 and ₹4,000

The Flipkart Axis Bank Credit Card offers a base cashback rate of 1%, which is quite good for an entry-level card. Unlike the Amazon Pay ICICI Credit Card, where cashback is credited as Amazon Pay balance, this card keeps things simple by giving direct statement credit, making it easier to use.

Another advantage is the unlimited cashback on preferred merchants, which extends benefits beyond shopping to categories like travel, health, movies, and food delivery. However, one downside is that it does not offer cashback on everyday spends such as bill payments and wallet reloads—areas where the Amazon Pay ICICI Credit Card performs better.

4. Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 10% cashback on Swiggy (food, Instamart, Dineout and Genie)
  • Earn 5% cashback on online spends across top brands
  • Get 1% cashback on other category spends
  • Enjoy 3-month Swiggy One membership on activation and renewal

5. Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • 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
  • Enjoy 10% cashback on Swiggy, Zomato, and BigBasket
  • Get 1% cashback on all other spends
  • Receive ₹500 Amazon voucher on first transaction within 30 days
  • Get 4 complimentary domestic lounge visits per year (1 per quarter) on spending ₹50,000 in last 3 months

6. Tata Neu Infinity HDFC Bank Credit Cards

Tata Neu Infinity HDFC Bank Credit Cards

Joining Fee: Rs. 1499 + GST

Annual Fee: Rs. 1499 + GST

Key Features and Benefits:

  • Earn 5% value-back on Tata Neu and partner Tata brand spends
  • Get additional 5% NeuCoins on select categories via Tata Neu app
  • Earn 1.5% value-back on other spends, including EMI transactions
  • Get up to 1.5% value-back on UPI spends across all categories
  • Enjoy 8 domestic and 4 international lounge visits every year
  • Get 1,499 NeuCoins as welcome benefit

7. Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

Joining Fee: Rs. 1499 + GST

Annual Fee: Rs. 1499 + GST

Key Features and Benefits:

  • Get 5% value-back on Tata Neu and partner Tata brand spends
  • Earn additional 5% value-back on select categories via Tata Neu app/website
  • Get 1.5% value-back on non-Tata spends, including EMI transactions
  • Earn up to 1.5% value-back on UPI spends across categories
  • Enjoy 8 domestic and 4 international lounge visits every year
  • Get 1,499 NeuCoins as welcome benefit

8. HSBC Live+ Credit Card

HSBC Live+ Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Get ₹1,000 cashback on ₹20,000 spend within the first 30 days
  • Earn 10% cashback on dining, grocery and food delivery (up to ₹1,000/month)
  • Enjoy unlimited 1.5% cashback on all other spends
  • Get 4 complimentary domestic airport lounge visits every year
  • Save up to 15% on dining via Live+ Dining Programme

9. HSBC RuPay Cashback Credit Card

HSBC RuPay Cashback Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Get 10% cashback on dining, grocery and food delivery spends
  • Earn 1% cashback on other spends, including UPI transactions
  • Enjoy 8 domestic and 2 international airport lounge visits every year
  • Save up to 10% on top brands like Swiggy Instamart, Tira, Cleartrip and Paytm

10. BOBCARD Cashback

BOBCARD Cashback

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Earn 5% cashback on select online spends (on minimum 4 transactions per month)
  • Get unlimited 1% cashback on all other spends
  • Save with 1% fuel surcharge waiver up to ₹250 per month
  • Get up to 3 free add-on cards for family members

Explore Other Cashback Credit Cards

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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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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Flipkart SBI Card

Flipkart SBI Card

Joining Fee: ₹0
💵 Cashback 🛍 Online Shopping 
  • Get 7.5% cashback on Myntra spends (up to ₹4,000 per quarter)
  • Earn 5% cashback on Flipkart and Cleartrip spends (up to ₹4,000 each per quarter)
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Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

Joining Fee: ₹499
🛒 Shopping 💵 Cashback 
  • Earn 2% value-back as NeuCoins on Tata Neu app and partner brand spends
  • Get extra 5% value-back on select categories via Tata Neu app/website
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