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Cashback cards · India

Best Cashback Credit Cards in India

Explore cashback credit cards using verified reward rules, category and merchant restrictions, caps, annual fees and exclusions.

Want a personalised calculation? Ask the card advisor.

Analysis by GainFair · Updated 23 September 2026 · Questions or corrections: support@gainfair.in

18 focused cards

Focused cards

This need is central to the card's design or main published benefit. Shown alphabetically, with no ranking.

Airtel Axis Bank Credit Card

Axis Bank · Mastercard · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible utility spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible utility category.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Amazon Pay ICICI Bank Credit Card

ICICI Bank · Visa · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
Lifetime free
Forex / international airport lounge visits
2.0% · 0/yr
See full analysis →Apply

Axis Bank ACE Credit Card

Axis Bank · Visa · Entry

Focused card
Relevant benefit
4% on eligible Swiggy spending.
Important limit
The accelerated dining rate applies only to eligible named merchants. Generic dining uses the 1% base rate. ₹500 statement cycle cap shared across combined 5% and 4% cashback.
Best when
The eligible food-delivery merchants only condition matches how you spend.
Annual fee
₹499 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Axis Bank Cashback Credit Card

Axis Bank · Visa · Entry

Focused card
Relevant benefit
0.75% recorded reward value on eligible online shopping spending.
Important limit
₹4,000 statement cycle cap shared across online cashback.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹1,000 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Axis Bank super.money RuPay Credit Card

Axis Bank · RuPay · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible in store spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible in store category.
Annual fee
Lifetime free
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Flipkart Axis Bank Credit Card

Axis Bank · Visa · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
₹4,000 calendar quarter cap shared across myntra cashback.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Flipkart SBI Card

SBI Card · Visa · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
₹4,000 calendar quarter cap shared across myntra cashback.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

HDFC Bank PIXEL Play Credit Card

HDFC Bank · RuPay · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
₹500 calendar month cap shared across selected pixel packs.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

HDFC Millennia Credit Card

HDFC Bank · Visa · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
₹1,000 calendar month cap shared across listed-merchant cashpoints.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹1,000 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

HSBC Live+ Credit Card

HSBC India · Visa · Mid

Focused card
Relevant benefit
10% recorded reward value on eligible dining spending.
Important limit
₹1,200 calendar month cap shared across 10% accelerated cashback.
Best when
You spend regularly in the card’s eligible dining category.
Annual fee
₹999 + GST yearly
Forex / international airport lounge visits
2.0% · 1/yr

BookMyShow: BOGO up to ₹250, 1×/month

See full analysis →Apply

Jupiter Edge+ CSB Bank RuPay Credit Card

CSB Bank (Jupiter platform) · RuPay · Entry

Focused card
Relevant benefit
10% recorded reward value on eligible in store spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible in store category.
Annual fee
₹0 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Kiwi / YES BANK Klick RuPay + Neon

YES BANK (Kiwi platform) · RuPay · Entry

Focused card
Relevant benefit
Offers rewards in this category subject to issuer eligibility and merchant restrictions.
Important limit
No stronger cashback claim is represented in the verified rule model.
Best when
You want rewards on eligible everyday spending.
Annual fee
₹0 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Kiwi / YES BANK Klick RuPay Credit Card

YES BANK (Kiwi platform) · RuPay · Entry

Focused card
Relevant benefit
0.5% recorded reward value on eligible grocery spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible grocery category.
Annual fee
Lifetime free
Forex / international airport lounge visits
2.8% · 0/yr
See full analysis →Apply

Kotak Cashback+ Credit Card

Kotak Mahindra Bank · Visa + RuPay · Mid

Focused card
Relevant benefit
3% recorded reward value on eligible fuel spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible fuel category.
Annual fee
₹750 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr

INOX: BOGO up to ₹250, 1×/month

See full analysis →Apply

SBI Cashback Credit Card

SBI Card · Visa · Mid

Focused card
Relevant benefit
5% recorded reward value on eligible online shopping spending.
Important limit
₹2,000 statement cycle cap shared across eligible online cashback.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹999 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank · Visa · Mid

Focused card
Relevant benefit
1% recorded reward value on eligible dining spending.
Important limit
₹1,000 statement cycle cap shared across 1% other-spend cashback.
Best when
You spend regularly in the card’s eligible dining category.
Annual fee
₹1,000 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Swiggy HDFC Bank Credit Card

HDFC Bank · Mastercard · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible dining spending.
Important limit
₹500 statement cycle cap shared across 1% other eligible cashback.
Best when
You spend regularly in the card’s eligible dining category.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
Not published · 0/yr
See full analysis →Apply
Focused card
Relevant benefit
6% recorded reward value on eligible dining spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible dining category.
Annual fee
Lifetime free
Forex / international airport lounge visits
3.4% · 0/yr
See full analysis →Apply
18 broader cards

Broader cards

These cards reward this category too, but are designed for a wider mix of spending and benefits. Shown alphabetically, with no ranking.

Showing 6 of 18 broader cards

AU Bank Altura Credit Card

AU Small Finance Bank · Visa · Entry

Broader card
Relevant benefit
2% recorded reward value on eligible grocery spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible grocery category.
Annual fee
₹199 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

AU Bank Altura Plus Credit Card

AU Small Finance Bank · Visa · Entry

Broader card
Relevant benefit
0.5% recorded reward value on eligible online shopping spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹499 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

AU Bank Spont Credit Card

AU Small Finance Bank · RuPay · Entry

Broader card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹299 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

AU Small Finance Bank LIT Credit Card

AU Small Finance Bank · Visa · Entry

Broader card
Relevant benefit
0.25% recorded reward value on eligible online shopping spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
Lifetime free
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

BOBCARD Cashback Credit Card

BOBCARD · Mastercard · Entry

Broader card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
₹1,500 statement cycle cap shared across incremental online cashback.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
₹499 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

BOBCARD Uni GoldX Credit Card

BOBCARD · Visa + RuPay · Mid

Broader card
Relevant benefit
1% recorded reward value on eligible online shopping spending.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You spend regularly in the card’s eligible online shopping category.
Annual fee
Lifetime free
Forex / international airport lounge visits
0% · 0/yr
See full analysis →Apply

Want to know which card is best for your spending?

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