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CreditIQ Insight
Cashback cards are ideal if you hate tracking reward points. SBI Cashback gives 5% on all online spends — the simplest and most valuable cashback card in India for everyday users.
#1
Top pickHDFC MoneyBack+
cashbackentry-level
Rs.500
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
#2
Runner upFlipkart Axis Bank Credit Card
cashbackshoppingentry-level
Rs.500
annual fee
1.5%
Base reward
3.5%
Forex markup
1 networks
Lounge access
#3
#3 pickAU Altura Plus
cashbackentry-level
Rs.499
annual fee
1.5%
Base reward
3.5%
Forex markup
1 networks
Lounge access
#4
#4 pickHDFC Millennia
cashbackshoppingentry-level
Rs.1,000
annual fee
1%
Base reward
3.5%
Forex markup
1 networks
Lounge access
#5
#5 pickSBI Cashback Credit Card
cashbackshopping
Rs.999
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#6
#6 pickAmazon Pay ICICI
cashbackshoppingzero-fee
FREE
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#7
#7 pickSwiggy HDFC Bank Credit Card
cashbackdiningentry-level
Rs.500
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#8
#8 pickAxis Bank ACE Credit Card
cashbackentry-level
Rs.499
annual fee
1%
Base reward
3.5%
Forex markup
1 networks
Lounge access
#9
#9 pickSBI Card BPCL Octane
fuelcashback
Rs.1,499
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#10
#10 pickAU Bank LIT Credit Card
cashbackentry-level
Rs.499
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#11
#11 pickStandard Chartered Smart Credit Card
cashbackentry-levelzero-fee
FREE
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#12
#12 pickStandard Chartered DigiSmart
cashbackshopping
Rs.49
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#13
#13 pickTata Neu Plus HDFC Bank
shoppingcashbackentry-level
Rs.499
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#14
#14 pickHDFC IndianOil Credit Card
fuelcashbackentry-level
Rs.500
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#15
#15 pickMakeMyTrip ICICI Bank Platinum
travelcashbackzero-fee
FREE
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#16
#16 pickICICI Bank HPCL Super Saver
fuelcashbackentry-level
Rs.500
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#17
#17 pickAirtel Axis Bank Credit Card
cashbackentry-level
Rs.500
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#18
#18 pickIndian Oil Axis Bank Credit Card
fuelcashbackentry-level
Rs.500
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#19
#19 pickAmerican Express SmartEarn
cashbackentry-level
Rs.495
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#20
#20 pickIDFC FIRST Bank Millennia
cashbackentry-levelzero-fee
FREE
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#21
#21 pickYES Prosperity Cashback Plus
cashbackentry-level
Rs.1,499
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#22
#22 pickStandard Chartered Manhattan Platinum
cashbackshoppingentry-level
Rs.999
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#23
#23 pickStandard Chartered Super Value Titanium
fuelcashbackentry-level
Rs.750
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#24
#24 pickAU Bank Altura Credit Card
cashbackentry-levelzero-fee
FREE
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#25
#25 pickHSBC Cashback Credit Card
cashbackshopping
Rs.750
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#26
#26 pickHSBC Live+ Credit Card
cashbackdining
Rs.999
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#27
#27 pickHDFC Freedom Credit Card
cashbackentry-levelzero-fee
FREE
annual fee
0.5%
Base reward
3.5%
Forex markup
None
Lounge access
#28
#28 pickSBI Card SimplyCLICK
cashbackshoppingentry-level
Rs.499
annual fee
0.25%
Base reward
3.5%
Forex markup
None
Lounge access
Frequently Asked Questions
Which cashback credit card gives the highest cashback in India?
SBI Cashback card gives 5% cashback on all online spends (up to Rs.40,000/month), making it the highest cashback credit card in India for online shopping. Axis Ace gives unlimited 2% cashback on all spends via Google Pay.
Is cashback or reward points better on credit cards?
Cashback is better for most users because it is simple, instant, and guaranteed. Reward points require tracking, have expiry dates, and often give lower value unless redeemed for flights or hotels. If you travel frequently, reward points can give 3-5x better value.
What is the best free cashback credit card in India?
Amazon Pay ICICI is the best lifetime free cashback card — 5% cashback on Amazon for Prime members, 3% for non-Prime, and 1-2% everywhere else with no annual fee.