Best Cashback Credit Cards in India 2026

Direct cashback cards ranked by real base earn rate, with caps and exclusions applied honestly. We compared 58 cards — 16 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is Snapdeal BOBCARD.

Top 20 Cashback Credit Cards Ranked

#	Card	Annual Fee	Base Earn	Standout
1	Snapdeal BOBCARDBank of Baroda	Free (LTF)	5.0%	5% base cashback
2	AU Zaggle Credit CardAU Small Finance Bank	Free (LTF)	4.0%	4% base cashback
3	AU Xcite Ace Credit CardAU Small Finance Bank	₹749	3.0%	3% base cashback
4	ICICI HPCL Coral Credit CardICICI Bank	₹199	2.0%	2% base cashback
5	Flipkart Axis Bank Super Elite Credit CardAxis Bank	₹500	2.0%	2% base cashback
6	Unity Bank BharatPe Credit CardUnity Small Finance Bank	Free (LTF)	2.0%	2% base cashback
7	Tata Neu Infinity HDFC Bank Credit CardHDFC Bank	₹1,499	1.5%	1.5% base cashback
8	Tata Neu Infinity SBI Credit CardSBI Card	₹1,499	1.5%	1.5% base cashback
9	Axis Bank ACE Credit CardAxis Bank	₹499	1.5%	1.5% base cashback
10	AU Altura+ Credit CardAU Small Finance Bank	₹499	1.5%	1.5% base cashback
11	HSBC Live+ Credit CardHSBC	₹999	1.5%	1.5% base cashback
12	Paytm HDFC Bank Select Credit CardHDFC Bank	₹1,000	1.3%	1.25% base cashback
13	Dhi CUB Visa Signature Credit CardCity Union Bank	Free (LTF)	1.3%	1.25% base cashback
14	Utkarsh Eternal Credit CardUtkarsh Small Finance Bank	₹1,999	1.3%	1.25% base cashback
15	Utkarsh Rhodium Credit CardUtkarsh Small Finance Bank	₹4,999	1.3%	1.25% base cashback
16	HDFC Millennia Credit CardHDFC Bank	₹1,000	1.0%	1% base cashback
17	Swiggy HDFC Bank Credit CardHDFC Bank	₹500	1.0%	1% base cashback
18	HDFC Bank UPI RuPay Credit CardHDFC Bank	₹99	1.0%	1% base cashback
19	HDFC PIXEL Play Credit CardHDFC Bank	Free (LTF)	1.0%	1% base cashback
20	CASHBACK SBI CardSBI Card	₹999	1.0%	1% base cashback

Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.

More Cashback Credit Cards Worth a Look

Tata Neu Plus SBI Credit Card Paytm SBI Card Paytm SBI Card SELECT Amazon Pay ICICI Bank Credit Card ICICI HPCL Super Saver Credit Card Flipkart Axis Bank Credit Card Airtel Axis Bank Credit Card Google Pay Flex Axis Bank Credit Card Samsung Axis Bank Infinite Credit Card Fibe Axis Bank Credit Card Samsung Axis Bank Signature Credit Card Axis Bank Freecharge Plus Credit Card AU Tejas Credit Card AU Spont Credit Card AU Altura Credit Card RBL Bank Apex Credit Card RBL Bank Aspire Banking Credit Card RBL Bank Signature Banking Credit Card UNI Credit Card EMI Credit Card IndusInd Samman Credit Card IOB VISA Platinum Credit Card slice UPI Credit Card Jupiter Edge+ CSB Bank RuPay Credit Card Utkarsh SmartGen Credit Card Utkarsh superCard (FD-backed)Axis Bank Cashback Credit Card IndianOil Kotak Credit Card Kotak Cashback+ Prime Credit Card DCB PayLess Platinum Credit Card

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