Credit Cards · Cashback
Best Credit Cards for Cashback
Cashback credit cards return a fixed percentage of every spend directly — no points conversion, no portal redemptions, no expiry. Ranked below by base cashback rate.
Ranked
22 cards ranked for cashback
OneCard Credit Card
Federal Bank (OneCard - FPL Technologies)
2.00%
base cashback
- ✓Fully digital, app-first metal credit card with no physical paperwork
- ✓5X reward points on your top 2 spend categories each month
- ✓Low forex markup of just 1% on international transactions
American Express SmartEarn Credit Card
American Express
2.00%
base cashback
- ✓Low entry-level annual fee of 495, waivable on 40,000 annual spend
- ✓1 Membership Rewards point per 50 on regular spends
- ✓Bonus points on 10X partner brands like Zomato, BookMyShow, Flipkart, and Uber
Axis Bank ACE Credit Card
Axis Bank
2.00%
base cashback
- ✓2% flat cashback on all spends via Google Pay / PhonePe
- ✓4% cashback on Swiggy, Zomato, and Ola
- ✓5% cashback on utility bill payments via Google Pay
Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
1.50%
base cashback
- ✓Up to 10% NeuCoins on Tata Neu app and partner brand purchases
- ✓5% value back on all non-EMI Tata Neu transactions
- ✓1.5% value back on all other spends
Standard Chartered Smart Credit Card
Standard Chartered Bank
1.50%
base cashback
- ✓6% cashback on online spends (capped ?1,000/month)
- ✓1.5% cashback on all offline spends
- ✓Lifetime free � no annual fee
Axis Bank Flipkart Credit Card
Axis Bank
1.50%
base cashback
- ✓5% cashback on Flipkart, Myntra, and 2gether
- ✓4% cashback on preferred partners (Swiggy, PVR, Uber)
- ✓1.5% unlimited cashback on all other spends
AU Small Finance Bank Altura Credit Card
AU Small Finance Bank
1.00%
base cashback
- ✓Low joining and annual fee of just 199, easily waivable
- ✓2% cashback on groceries, departmental stores and utility bills (capped 50/month)
- ✓8 complimentary railway lounge visits per year
RBL Bank ShopRite Credit Card
RBL Bank
1.00%
base cashback
- ✓20 reward points per 100 on grocery shopping, capped at 1,000 points/month
- ✓Up to 10% off on BookMyShow movie tickets
- ✓Low annual fee of 500, waivable on 1.5 lakh annual spend
Kotak 811 #DreamDifferent Credit Card
Kotak Mahindra Bank
1.00%
base cashback
- ✓Lifetime free secured credit card backed by a fixed deposit
- ✓4 reward points per 100 spent online, 1 point per 100 offline
- ✓1,000 milestone voucher on 72,000 annual spend
Airtel Axis Bank Credit Card
Axis Bank
1.00%
base cashback
- ✓25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App
- ✓10% cashback on utility bill payments like gas and electricity via Airtel Thanks App
- ✓10% value back on Zomato, Blinkit and District Movies
ICICI Bank HPCL Coral Credit Card
ICICI Bank
1.00%
base cashback
- ✓2.5% cashback as reward points on HPCL fuel transactions, capped at 100/month
- ✓1% fuel surcharge waiver at HPCL outlets
- ✓Low joining and annual fee of 199, easily waived on 50,000 annual spend
MakeMyTrip ICICI Bank Credit Card
ICICI Bank
1.00%
base cashback
- ✓6 myCash per 100 spent on hotel bookings via MakeMyTrip
- ✓3 myCash per 100 on flights, holiday packages, cabs and bus bookings
- ✓Complimentary 1-year MMTBLACK Gold membership
SBI Cashback Credit Card
State Bank of India
1.00%
base cashback
- ✓5% cashback on all online spends, capped at 2,000 per statement cycle
- ✓1% cashback on offline spends, capped at 2,000 per statement cycle
- ✓No merchant restrictions on the 5% online cashback category
Swiggy HDFC Bank Credit Card
HDFC Bank
1.00%
base cashback
- ✓10% cashback on Swiggy app (food delivery, Instamart, Dineout, Genie), capped 1,500/cycle
- ✓5% cashback on apparel, electronics, personal care and other online categories
- ✓1% cashback on other eligible spends
HDFC Bank Millennia Credit Card
HDFC Bank
1.00%
base cashback
- ✓5% cashback on Amazon, Flipkart, Swiggy, Myntra, Zomato and other top brands
- ✓1% cashback on all other spends
- ✓Quarterly spend milestone of 1L unlocks lounge access or 1,000 voucher
Amazon Pay ICICI Bank Credit Card
ICICI Bank
1.00%
base cashback
- ✓5% cashback on Amazon for Prime members (3% for non-Prime)
- ✓2% cashback on Amazon Pay partner merchants
- ✓1% unlimited cashback on all other spends
HDFC Bank Freedom Credit Card
HDFC Bank
0.67%
base cashback
- ✓10X CashPoints (capped 2,500/month) on BigBasket, BookMyShow, OYO, Swiggy and Uber
- ✓1 CashPoint per 150 on all other spends
- ✓500 bonus CashPoints on joining fee payment
HDFC Bank MoneyBack+ Credit Card
HDFC Bank
0.67%
base cashback
- ✓5X CashPoints on Amazon, Flipkart, Swiggy, BigBasket
- ✓1% fuel surcharge waiver at HPCL pumps
- ✓Fee waived on ?50K annual spend
Standard Chartered Manhattan Credit Card
Standard Chartered Bank
0.50%
base cashback
- ✓5% cashback at supermarkets, capped at 500/month
- ✓5,000 bonus reward points on card setup
- ✓3 reward points per 150 on all other spends
SBI Card Prime
SBI Card
0.50%
base cashback
- ✓8 complimentary domestic lounge visits per year
- ✓5% accelerated cashback on grocery and dining (capped ?500/month)
- ✓Club Vistara Silver membership worth ?2,999
IndianOil Axis Bank Credit Card
Axis Bank
0.20%
base cashback
- ✓4% value back on fuel spends at IndianOil outlets, capped at 5,000/month eligible spend
- ✓1% online purchase reward rate
- ✓1% fuel surcharge waiver, capped at 50 per statement cycle
IndianOil HDFC Bank Credit Card
HDFC Bank
0.13%
base cashback
- ✓5% fuel points at IndianOil outlets, up to 50 litres of free fuel annually
- ✓5% fuel points on groceries and bill payments (capped per category)
- ✓1 fuel point per 150 on all other spends including UPI
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