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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.
78 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
AXIS · CASHBACK CARD Airtel Axis Bank Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE Free
AXIS BANK Flipkart Axis Bank
AXIS · CASHBACK CARD Flipkart Axis Bank Credit Card
FIRST-YEAR NET VALUE ₹500
ANNUAL FEE ₹500 Waived
HDFC BANK Swiggy HDFC Bank
HDFC · CASHBACK CARD Swiggy HDFC Bank Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE ₹500 Waived
STANDARD CHARTERED
STAN · CASHBACK CARD Standard Chartered Priority Visa Infinite
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE Free
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
HDFC BANK HDFC Diners Club Black
DINERS
HDFC · CASHBACK CARD HDFC Diners Club Black
FIRST-YEAR NET VALUE ₹12,000
ANNUAL FEE ₹10,000 Waived
IDFC FIRST BANK
IDFC · CASHBACK CARD IDFC FIRST Millennia Credit Card
FIRST-YEAR NET VALUE ₹500
ANNUAL FEE Free
ICICI BANK
ICIC · CASHBACK CARD Times Black ICICI Bank Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE Free
HDFC BANK HDFC Diners Club Black Metal Edition
HDFC · CASHBACK CARD HDFC Diners Club Black Metal Edition
FIRST-YEAR NET VALUE ₹8,000
ANNUAL FEE ₹10,000 Waived
HOW WE KEEP THIS CURRENT
Last verified April 2026. Sources: Issuer websites, CardExpert, PaisaBazaar, CardInsider. Next scheduled review: Monthly refresh.