Best Cashback Credit Cards in India 2026
Direct cashback cards ranked by real base earn rate, with caps and exclusions applied honestly. We compared 92 credit cards (including 26 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
AU Xcite Ace Credit Card
3% base cashback
AU Xcite Ace Credit Card
Annual Fee
₹749
Headline Rate
3% on online
AI Inside RuPay Credit Card
Annual Fee
Free
Headline Rate
3% on other
AI Inside Credit Card
Annual Fee
Free
Headline Rate
3% on other
SBM Kredit.Pe Credit Card
Annual Fee
Free
Headline Rate
3% cashback
ICICI HPCL Coral Credit Card
Annual Fee
₹199
Headline Rate
0% on fuel
Flipkart Axis Bank Super Elite Credit Card
Annual Fee
₹500
Headline Rate
12% on flipkart
Scapia Axis Bank Credit Card
Annual Fee
Free
Headline Rate
2% on travel
Beyond Credit Card
Annual Fee
₹25,000
Headline Rate
2% cashback
Unity Bank BharatPe Credit Card
Annual Fee
Free
Headline Rate
2% cashback
Tata Neu Infinity HDFC Bank Credit Card
Annual Fee
₹1,499
Headline Rate
1.5% on groceries
Tata Neu Infinity SBI Credit Card
Annual Fee
₹1,499
Headline Rate
5% on online
Axis Bank ACE Credit Card
Annual Fee
₹499
Headline Rate
0% on utilities
AU Altura+ Credit Card
Annual Fee
₹499
Headline Rate
1.5% on online
HSBC Live+ Credit Card
Annual Fee
₹999
Headline Rate
10% on dining
Paytm HDFC Bank Select Credit Card
Annual Fee
₹1,000
Headline Rate
1.25% cashback
Dhi CUB Visa Signature Credit Card
Annual Fee
Free
Headline Rate
1.25% on other
Utkarsh Eternal Credit Card
Annual Fee
₹1,999
Headline Rate
1.25% cashback
Utkarsh Rhodium Credit Card
Annual Fee
₹4,999
Headline Rate
1.25% cashback
ESAF Bank INORI RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.25% cashback
HDFC Millennia Credit Card
Annual Fee
₹1,000
Headline Rate
5% on amazon
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on dining
Paytm HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on utilities
Paytm HDFC Bank Digital Credit Card
Annual Fee
₹149
Headline Rate
1% on online
HDFC PIXEL Play Credit Card
Annual Fee
Free
Headline Rate
5% on other
HDFC Bank Pixel Go Credit Card
Annual Fee
₹250
Headline Rate
1% on online
Swiggy BLCK HDFC Bank Credit Card
Annual Fee
₹1,000
Headline Rate
1% on dining
Swiggy Ornge HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on dining
CASHBACK SBI Card
Annual Fee
₹999
Headline Rate
5% on online
Tata Neu Plus SBI Credit Card
Annual Fee
₹499
Headline Rate
2% on online
Paytm SBI Card
Annual Fee
₹499
Headline Rate
3% on travel
Paytm SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
5% on travel
Flipkart SBI Card
Annual Fee
₹500
Headline Rate
5% on flipkart
Eternal SBI Card
Annual Fee
₹499
Headline Rate
1% on dining
Amazon Pay ICICI Bank Credit Card
Annual Fee
Free
Headline Rate
5% on amazon
ICICI HPCL Super Saver Credit Card
Annual Fee
₹500
Headline Rate
0% on fuel
Flipkart Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on flipkart
Airtel Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on utilities
Google Pay Flex Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% cashback
Samsung Axis Bank Infinite Credit Card
Annual Fee
₹5,000
Headline Rate
1% on other
Fibe Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% on other
Samsung Axis Bank Signature Credit Card
Annual Fee
₹500
Headline Rate
1% on other
Axis Bank Freecharge Plus Credit Card
Annual Fee
Free
Headline Rate
1% on other
Axis Bank Supermoney RuPay Credit Card
Annual Fee
Free
Headline Rate
1% cashback
AU Spont Credit Card
Annual Fee
₹299
Headline Rate
1% on other
AU Zaggle Credit Card
Annual Fee
Free
Headline Rate
8% on other
AU Altura Credit Card
Annual Fee
₹199
Headline Rate
2% on groceries
IDFC FIRST Quantum+ Credit Card
Annual Fee
Free
Headline Rate
2% on online
IDFC FIRST Hello Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
5% on online
HSBC RuPay Cashback Credit Card
Annual Fee
₹499
Headline Rate
10% on dining
RBL Bank Apex Credit Card
Annual Fee
₹1,000
Headline Rate
2% on travel
RBL Bank Aspire Banking Credit Card
Annual Fee
₹1,500
Headline Rate
1% on travel
RBL Bank Signature Banking Credit Card
Annual Fee
₹2,500
Headline Rate
1% on travel
RBL Bank Paisabazaar Duet Credit Card
Annual Fee
Free
Headline Rate
1% on online
RBL Bank Paisabazaar Duet Plus Credit Card
Annual Fee
₹1,499
Headline Rate
2.5% on dining
BOBCARD Cashback
Annual Fee
₹499
Headline Rate
5% on online
Snapdeal BOBCARD
Annual Fee
₹249
Headline Rate
2.5% on online
YES BANK Paisabazar PaisaSave RuPay Credit Card
Annual Fee
Free
Headline Rate
6% on dining
YES BANK Paisabazar PaisaSave Credit Card
Annual Fee
₹499
Headline Rate
6% on dining
UNI Credit Card
Annual Fee
₹499
Headline Rate
1% on other
EMI Credit Card
Annual Fee
₹499
Headline Rate
1% on other
UNI Rupay Credit Card
Annual Fee
Free
Headline Rate
1% on other
Federal Bank Paisabazaar Paisaback Credit Card
Annual Fee
₹500
Headline Rate
7.5% on groceries
Smart Credit Card
Annual Fee
₹499
Headline Rate
2% on online
IndusInd Samman Credit Card
Annual Fee
₹199
Headline Rate
1% on other
IOB VISA Platinum Credit Card
Annual Fee
₹250
Headline Rate
1% on other
slice UPI Credit Card
Annual Fee
Free
Headline Rate
1% cashback
DCB PayLess Select Credit Card
Annual Fee
₹1,000
Headline Rate
1% cashback
Utkarsh SmartGen Credit Card
Annual Fee
₹199
Headline Rate
1% cashback
Utkarsh superCard (FD-backed)
Annual Fee
Free
Headline Rate
2% on flipkart
MobiKwik First Suryoday SFB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1% cashback
SBM MobiKwik First Credit Card
Annual Fee
Free
Headline Rate
1% cashback
Paytm HDFC Bank Mobile Credit Card
Annual Fee
₹149
Headline Rate
0.5% on online
Axis Bank Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
7% on online
IDFC FIRST EA₹N Credit Card
Annual Fee
₹499
Headline Rate
1% on other
IndianOil Kotak Credit Card
Annual Fee
₹449
Headline Rate
4% on fuel
Kotak Cashback+ Prime Credit Card
Annual Fee
₹750
Headline Rate
5% on online
Manhattan Credit Card
Annual Fee
₹999
Headline Rate
5% on groceries
PNB KIWI Co-Branded Credit Card
Annual Fee
₹750
Headline Rate
1.5% on other
DCB PayLess Platinum Credit Card
Annual Fee
₹350
Headline Rate
0.5% cashback
Suryoday SFB RuPay Platinum Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB RuPay Select Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Select Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Jupiter Edge Federal Bank VISA Credit Card
Annual Fee
₹999
Headline Rate
2% on dining
Super Value Titanium Credit Card
Annual Fee
₹750
Headline Rate
5% on fuel
Dhanlaxmi Bank Dhan Vriddhi Credit Card
Annual Fee
₹400
Headline Rate
5% on groceries
Dhanlaxmi Bank Dhan Samriddhi Credit Card
Annual Fee
₹800
Headline Rate
5% on groceries
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
Jalsa Credit Card
Annual Fee
₹999
Headline Rate
5% on dining
Unity Roarbank Credit Card
Annual Fee
Free
Headline Rate
0% cashback
SBM Paisabazaar Paisa+ Credit Card
Annual Fee
₹499
Headline Rate
1% on online
Dhanlaxmi Bank Dhan Namaste Credit Card
Annual Fee
₹400
Headline Rate
5% on groceries
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