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Best cashback credit cards in India
Ranked for a ₹30k/mo profile concentrated on online shopping, with a no-fee preference. Telecom, groceries, and welcome bonus proportionally reweighted so low-fee cashback cards surface against premium benefit stacks. Same transparent math as the home-page ranking.
69 cards evaluated · Ranking updated monthly · See methodology →
02 TOP 10
Best cashback credit cards.
Scored against a ₹30k/mo profile with 40% online share, no-fee preference, and rewards weight 0.42. Click any card for the full breakdown.
AXIS BANK Airtel Axis Bank
AXIS · CASHBACK CARD Airtel Axis Bank Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE ₹500 Waived
HDFC BANK Swiggy HDFC Bank
HDFC · CASHBACK CARD Swiggy HDFC Bank Credit Card
FIRST-YEAR NET VALUE ₹500
ANNUAL FEE ₹500 Waived
BOB FINANCIAL Eterna
BOBF · CASHBACK CARD BOB Financial Eterna Credit Card
FIRST-YEAR NET VALUE ₹15,000
ANNUAL FEE ₹2,499 Waived
FEDERAL BANK
FEDE · CASHBACK CARD Scapia Federal Bank Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE Free
ICICI BANK
ICIC · CASHBACK CARD ICICI Amazon Pay Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE Free
HDFC BANK Tata Neu Infinity HDFC Bank
HDFC · CASHBACK CARD Tata Neu Infinity HDFC Bank Credit Card
FIRST-YEAR NET VALUE ₹1,499
ANNUAL FEE ₹1,499 Waived
HSBC Live+
HSBC · CASHBACK CARD HSBC Live+ Credit Card
FIRST-YEAR NET VALUE ₹2,000
ANNUAL FEE ₹999 Waived
AXIS BANK Flipkart Axis Bank
AXIS · CASHBACK CARD Flipkart Axis Bank Credit Card
FIRST-YEAR NET VALUE ₹250
ANNUAL FEE ₹500 Waived
SBI CARD SBI Cashback
SBIC · CASHBACK CARD SBI Cashback Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE ₹999 Waived
AXIS BANK ACE
AXIS · CASHBACK CARD Axis Bank ACE Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE ₹499 Waived
HOW WE KEEP THIS CURRENT
Last verified April 2026. Sources: Issuer websites, CardExpert, PaisaBazaar, CardInsider. Next scheduled review: Monthly refresh.