Best Cashback Credit Cards

52 cards in this category

Cashback cards return a percentage of every purchase directly to your account or statement balance. The best cashback cards in India offer 1–5% back on everyday spending categories like groceries, fuel and online shopping — with no hassle of tracking reward points.

2026 Comparison Matrix

Top Ranked Best Cashback Credit Cards

Verified Bank MITC Terms

Side-by-side comparisonSwipe right for full table

Rank & Credit Card	CardCheck Score	Annual Fee	Top Category Perk	Quick Action
#1 Axis Bank#1 Leader Samsung Axis Bank Signature	82/100 Excellent	₹500Waived @ ₹1,00,000/yr	Up to 10% rewards on top categories	Compare
#2 ICICI Bank MakeMyTrip ICICI	81/100 Excellent	₹999Waived @ ₹2,00,000/yr	Up to 6% rewards on top categories	Compare
#3 Axis Bank Airtel Axis	80/100 Excellent	₹500Waived @ ₹2,00,000/yr	Up to 25% rewards on top categories	Compare
#4 Axis Bank ACE	79/100 Very Good	₹499Waived @ ₹2,00,000/yr	Up to 5% rewards on top categories	Compare
#5 Axis Bank Axis Bank My Zone	79/100 Very Good	₹500Waived @ ₹2,00,000/yr	Up to 5% rewards on top categories	Compare

52 cards found

CardCheck Score

ACE Credit Card

ACE Credit Card

Axis Bank

Best for Cashback on utility bills via Google Pay and daily spending

Fuel WaiverLounge AccessHigh RewardsWelcome Bonus

5% cashback on Google Pay utility bill payments and mobile recharges (up to ₹500/month)
4% cashback on Swiggy, Zomato, BigBasket, Ola, Hotstar & Zee5
1.5% cashback on all other retail spends (no cap)

₹499

₹499

1.5–5%

52.86%

CardCheck Score

Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card

Axis Bank

Best for Airtel subscribers — telecom, broadband & utility cashback

Fuel WaiverLounge AccessHigh Rewards

25% cashback on Airtel mobile recharges, broadband, WiFi and DTH via Airtel Thanks app (up to ₹250/month)
10% cashback on utility bill payments (gas, electricity) via Airtel Thanks app (up to ₹250/month)
10% cashback on Swiggy, Zomato and BigBasket (up to ₹500/month combined)

₹500

₹500

1–25%

52.86%

CardCheck Score

Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card

ICICI Bank

Best for Rewards on Amazon Purchases

Fuel WaiverHigh RewardsShopping

5% cashback on Amazon.in for Prime members (3% for non-Prime) — unlimited, no monthly cap
2% cashback on Amazon Pay partner merchant spends
1% cashback on all other retail transactions

Free

Free

1–5%

42%

CardCheck Score

Axis Bank My Zone Credit Card

Axis Bank My Zone Credit Card

Axis Bank

Best for Entertainment — movies, dining & streaming

Fuel WaiverLounge AccessHigh Rewards

10% cashback on BookMyShow and Swiggy (combined cap ₹500/month)
5% cashback on BigBasket
1.5% cashback on all other retail spends

₹500

₹500

1.5–5%

52.86%

CardCheck Score

Axis Bank Neo Credit Card

Axis Bank Neo Credit Card

Axis Bank

Best for Ultra-low fee beginners card — flat-rupee capped discounts on Zomato, Blinkit, Paytm utilities, BMS

Fuel WaiverHigh Rewards

Flat ₹120 off on Zomato per order (twice/month, min ₹499) — max ₹240/month
5% off utility bills via Paytm — capped ₹150/month (min ₹299)
10% off on Blinkit — capped ₹250/month (min ₹750, once/month)

₹250

₹250

0.25–10%

52.86%

CardCheck Score

Axis Cashback Credit Card

Axis Cashback Credit Card

Axis Bank

Best for heavy online shoppers

High RewardsWelcome Bonus

Up to 7% cashback on online spends
0.75% unlimited cashback on offline and travel spends
0.5% cashback on utilities up to ₹100

₹1,000

₹1,000

0.5–7%

55.55%

CardCheck Score

BOBCARD Cashback Credit Card

BOBCARD Cashback Credit Card

BOBCARD

Best for online shopping, everyday cashback, low-maintenance rewards

Fuel WaiverHigh RewardsShopping

5% cashback on eligible domestic online spends
unlimited 1% cashback on other spends
automatic monthly cashback credit

₹499

₹499

1–5%

CardCheck Score

CASHBACK SBI Card

CASHBACK SBI Card

SBI Card

Best for Online cashback

Fuel WaiverHigh Rewards

5% cashback on all online purchases (any merchant) — capped ₹5,000/month
1% cashback on all offline retail transactions
Cashback auto-credited to statement every month

₹999

₹999

1–5%

42%

CardCheck Score

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

Axis Bank

Best for Flipkart, Myntra & everyday online shopping cashback

Fuel WaiverLounge AccessHigh RewardsWelcome Bonus

5% cashback on Flipkart and Myntra
4% cashback on preferred partners including Swiggy, PVR, Uber
1.5% cashback on all other retail spends

₹500

₹500

1.5–5%

45%

CardCheck Score

FreeCharge Axis Bank Credit Card

FreeCharge Axis Bank Credit Card

Axis Bank

Best for FreeCharge users — zero fee digital payments cashback

Fuel WaiverHigh Rewards

5% cashback on FreeCharge recharges and bill payments
1% cashback on all other retail spends
Zero joining fee and zero annual fee — lifetime free

Free

Free

1–5%

52.86%

CardCheck Score

HDFC Bank Bharat Credit Card

HDFC Bank Bharat Credit Card

HDFC Bank

Best for Rural and semi-urban users — 5% cashback on fuel, groceries, utilities

Fuel WaiverHigh Rewards

5% CashBack on fuel, groceries, bill payments, and government transactions
RuPay card with UPI payment capability
Annual fee waived on ₹50,000 annual spend

₹500

₹500

5%

42%

CardCheck Score

HDFC Bank EasyEMI Credit Card

HDFC Bank EasyEMI Credit Card

HDFC Bank

Best for EMI buyers — interest-free EMI on electronics, appliances and more

Fuel WaiverHigh Rewards

5% CashBack on SmartBuy EMI purchases (electronics, appliances, travel)
1% CashBack on all other eligible retail spends
No-cost EMI on select merchant and SmartBuy purchases

₹500

₹500

1–5%

42%

CardCheck Score

HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

Best for online shoppers

Fuel WaiverLounge AccessHigh Rewards

5% cashback on select partner merchants
1% cashback on other spends
quarterly milestone voucher or lounge access

₹1,000

₹1,000

1–5%

CardCheck Score

HDFC PIXEL Go

HDFC PIXEL Go

HDFC Bank

Best for digital-first users, SmartBuy shoppers, UPI spenders, beginners/new-to-credit users

Fuel WaiverHigh Rewards

1% cashback on eligible transactions
5% cashback on SmartBuy
1% cashback on UPI spends

₹250

₹250

1–5%

42%

CardCheck Score

HDFC Pixel Play Credit Card

HDFC Pixel Play Credit Card

HDFC Bank

Best for cashback on chosen merchant packs, digital-first card management, UPI spends on RuPay variant

Fuel WaiverHigh Rewards

5% cashback on two chosen packs
3% cashback on one ecommerce platform
1% cashback on UPI spends on RuPay variant

Free

Free

1–5%

CardCheck Score

HSBC Cashback Credit Card

HSBC Cashback Credit Card

HSBC Bank

Best for Online food ordering — 10% cashback on Swiggy, Zomato and OTT platforms

Fuel WaiverLounge AccessHigh Rewards

10% cashback on online food ordering (Swiggy, Zomato) and OTT/entertainment (capped ₹1,000/month)
1.5% cashback on all other eligible retail spends (no cap)
1 complimentary domestic airport lounge visit per quarter via DreamFolks

₹999

₹999

1.5–10%

42%

CardCheck Score

HSBC Live+ Credit Card

HSBC Live+ Credit Card

HSBC Bank

Best for Food delivery & dining — 10% cashback on Swiggy, Zomato & restaurants

Fuel WaiverLounge AccessHigh Rewards

10% cashback on dining, Swiggy, Zomato, groceries, and entertainment (up to ₹1,000/month cashback)
1.5% cashback on all other eligible retail spends
1 complimentary domestic airport lounge visit per quarter via DreamFolks

₹999

₹999

1.5–10%

42%

CardCheck Score

IndianOil HDFC Bank Credit Card

IndianOil HDFC Bank Credit Card

HDFC Bank

Best for IndianOil fuel buyers — maximum savings at IOCL pumps

Fuel WaiverHigh RewardsShopping

5% fuel points on IndianOil fuel purchases (up to 250 fuel points/month)
5% fuel points on grocery purchases
1% fuel points on all other eligible retail spends

₹500

₹500

1–5%

42%

CardCheck Score

IndusInd Nexxt Credit Card

IndusInd Nexxt Credit Card

IndusInd Bank

Best for India's only switchable card — choose Savings, Rewards, or EMI mode per transaction

Fuel WaiverHigh Rewards

Switch between Savings (0.5% cashback), Rewards (2 RP/₹100), or EMI mode per transaction
5% cashback on fuel and grocery in Savings mode
Instant EMI conversion without extra interest in Merchant EMI mode

₹999

₹999

0.5–5%

42%

CardCheck Score

Jupiter Edge+ CSB Bank RuPay Credit Card

Jupiter Edge+ CSB Bank RuPay Credit Card

CSB Bank

Best for cashback on shopping, cashback on travel, UPI payments on credit

Fuel WaiverHigh RewardsShopping

10% rewards in Jewels on top online shopping brands (capped ₹2,000/month)
5% rewards in Jewels on Jupiter Flights bookings (capped ₹1,000/month)
1% rewards on all other UPI and retail spends

₹499

Free

1–10%

42%

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Frequently asked questions

What is the best cashback credit card in India?: The best cashback credit card depends on your spending patterns. Currently, the SBI Cashback Card is highly popular for offering a flat 5% cashback on all online spends (up to ₹5,000 per month). Other top options include HDFC Swiggy and Amazon Pay ICICI for co-branded category rewards.
Does credit card cashback expire?: In most cases, cashback earned on cashback-specific cards does not expire. It is either credited automatically to your monthly statement balance or accumulated in your rewards balance to be redeemed whenever you choose.
Are cashback earnings taxable in India?: No. Cashback received on credit card spending is generally not considered taxable income under the Indian Income Tax Act, as it is treated as a discount on transactions rather than independent income.