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10 Best Cashback Credit Cards in India (2026)

Get real money back on every purchase. Compare flat cashback rates, category cashback and monthly caps across top cards.

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Amazon Pay

Amazon Pay ICICI Credit Card

ICICI Bank
Cashback Shopping Lifetime Free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 5% back on Amazon (Prime); 3% non-Prime; 2% on others
βœ… Best for: Amazon Prime members who shop online regularly
⭐ 4.7/5
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HDFC Millennia

HDFC Millennia Credit Card

HDFC Bank
Cashback Shopping Dining
Annual Fee: β‚Ή1,000/yr
Joining Fee: β‚Ή1,000
🎁 5% cashback on Amazon, Flipkart, Myntra, Swiggy
βœ… Best for: Online shoppers spending β‚Ή40k+/month on top platforms
⭐ 4.6/5
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Axis Ace

Axis Ace Credit Card

Axis Bank
Cashback Dining Lifestyle Fuel
Annual Fee: β‚Ή499/yr
Joining Fee: β‚Ή499
🎁 5% cashback on GPay bill payments; 4% on Swiggy/Zomato/Ola
βœ… Best for: Urban professionals paying rent, bills and dining via apps
⭐ 4.6/5
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Flipkart Axis

Flipkart Axis Bank Credit Card

Axis Bank
Shopping Cashback Lounge Access
Annual Fee: β‚Ή500/yr
Joining Fee: β‚Ή500
🎁 5% unlimited cashback on Flipkart, Myntra, 2GUD
βœ… Best for: Regular Flipkart shoppers, especially during Big Billion Days
⭐ 4.5/5
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IDFC FIRST

IDFC FIRST Select Credit Card

IDFC First Bank
Lifetime Free Cashback Lounge Access ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 6X rewards online; 3X offline; 10X on birthday
βœ… Best for: Mid-level spenders wanting zero-fee card with decent rewards
⭐ 4.5/5
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BPCL SBI

BPCL SBI Octane Credit Card

SBI Card
Fuel Cashback
Annual Fee: β‚Ή1,499/yr
Joining Fee: β‚Ή1,499
🎁 7.25% value back on BPCL fuel; 5X on grocery spends
βœ… Best for: Car owners who refuel at BPCL stations 2+ times a week
⭐ 4.4/5
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AU Bank

AU Bank LIT Credit Card

AU Small Finance Bank
Lifetime Free Cashback Innovative ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 Choose: 2% cashback OR reward points OR lounge access
βœ… Best for: People who want to customise their card benefits each quarter
⭐ 4.3/5
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HDFC Swiggy

HDFC Swiggy Credit Card

HDFC Bank
Dining Cashback Lifestyle
Annual Fee: β‚Ή500/yr
Joining Fee: β‚Ή500
🎁 10% cashback on Swiggy; 5% on other online spends
βœ… Best for: Swiggy users ordering food 2+ times a week
⭐ 4.3/5
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OneCard Metal

OneCard Metal Credit Card

Fintech Cards
Lifestyle Cashback Lifetime Free Innovative ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 5X rewards on top 2 spend categories each month
βœ… Best for: Tech-savvy users wanting a metal card with flexible rewards for free
⭐ 4.3/5
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HSBC Cashback

HSBC Cashback Credit Card

HSBC India
Cashback Forex Lifestyle
Annual Fee: Free (yr 1)
Joining Fee: Free
🎁 1.5% unlimited cashback on all spends; no monthly cap
βœ… Best for: Online shoppers wanting unlimited cashback with absolutely no cap
⭐ 4.3/5
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RBL Bank

RBL Bank Zomato Edition Card

RBL Bank
Dining Cashback Lifetime Free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 10% cashback on Zomato; 5% on fuel; 1% elsewhere
βœ… Best for: Zomato users ordering food 3+ times a week
⭐ 4.2/5
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SBI SimplyClick

SBI SimplyClick Credit Card

SBI Card
Shopping Cashback Beginner
Annual Fee: β‚Ή499/yr
Joining Fee: β‚Ή499
🎁 10X Reward Points on Amazon, Cleartrip, BookMyShow, Lenskart
βœ… Best for: Online shoppers who use Amazon, Cleartrip and BookMyShow regularly
⭐ 4.2/5
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Kotak 811

Kotak 811 Dream Different Card

Kotak Mahindra Bank
Lifetime Free Cashback Beginner ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 2% cashback on online spends; 1% on offline
βœ… Best for: First-timers wanting a genuine no-fee card with simple cashback
⭐ 4.2/5
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HDFC MoneyBack+

HDFC MoneyBack+ Credit Card

HDFC Bank
Cashback Beginner Shopping
Annual Fee: β‚Ή500/yr
Joining Fee: β‚Ή500
🎁 10X CashPoints on SmartBuy, Swiggy, Zomato, Amazon
βœ… Best for: Entry-level users wanting simple cashback rewards
⭐ 4.1/5
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FAQs

Common Questions about Cashback Cards

What is the best Cashback credit card in India for 2026? οΌ‹
The best card depends on your spending habits and income. Use our rankings above β€” they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? οΌ‹
No. We never accept payment to rank a card higher. Rankings are based on objective criteria: reward rate, fee value, benefits, and real-world usability.
How do I apply for a Cashback credit card? οΌ‹
Click "Apply Now" on any card β€” it takes you directly to the bank's official application page. You'll need PAN card, income proof and address proof ready.
What credit score do I need? οΌ‹
Most credit cards require a CIBIL score of 700+. Premium cards may need 750+. If you're building credit, start with a secured or lifetime-free card.