Best Cashback Credit Cards in India 2026

10X  CashPoints on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore and BigBasket 

Earn maximum rewards (3.3% valueback) on top online shopping, food delivery, and grocery expenses.  

Gift voucher worth Rs.500 on spending Rs.50,000 and above in a quarter 

Earn rewards for consistent high spendings 

CashPoints redeemable as cashback or for flights/hotels 

Provides flexibility: convert points to statement credit (1 CashPoint ≈ Rs.0.25) or redeem for travel/lifestyle benefits. Points are valid for 2 years. 

Zero liability on lost card 

Protects you from fraudulent transactions if the card is reported lost. 

1% fuel surcharge waiver 

Saves on fuel expenses automatically; on transaction amount ranging between Rs.400  to Rs.5,000 per transaction; max waiver Rs.250 per statement cycle. 

500 CashPoints as Joining bonus 

Instant reward on payment of membership fee; adds value immediately after joining. 

Renewal fee waiver 

Get a waiver on renewal fees on spending Rs.50,000 and above in a year, before the card renewal date. 

Smart EMI option 

Convert high-value purchases into easy EMIs post-transaction, improving cash flow management. 

Interest-free credit period up to 50 days 

Provides short-term credit without interest for everyday expenses and online purchases. 

Revolving credit facility 

Allows carrying forward balance at nominal interest if full payment isn’t made, giving financial flexibility. 

Contactless payments 

Quick, tap-and-pay transactions; no PIN needed for payments up to Rs.5,000, enhancing convenience. 

2 CashPoints per Rs.150 spent on other spends 

Rewards you for all other transactions, not limited to categories, ensuring steady CashPoint accumulation. 

10% Swiggy Dineout discount with HDFCCARDS coupon 

Extra lifestyle saving for dining out; reduces your overall dining expenses. 

5% Cashback on online spends (no merchant restriction) 

Offers high rewards on everyday shopping  

1% Cashback on offline spends 

Ensures you earn rewards even when you shop in store 

Automatic crediting of cashback within two working days after statement generation 

Makes reward realisation quick and hassle free 

1% Fuel surcharge waiver across all petrol pumps in India 

Waivers on fuel purchases helps you reduce fuel costs  

Contactless Tap & Go payments 

Convenient and secure for small ticket and everyday transactions 

Accepted Globally 

This credit card is backed by VISA and can be used across the globe 

Add on cards available for family (parents, spouse, children above 18) 

Extends the benefit of the card across your household, increasing reward earning potential 

Balance transfer to EMI / Utility bill payment facility 

Provides flexibility in managing finances and converting large expenses into manageable EMIs 

No joining fee and no annual fee  

You avoid recurring membership costs, making the card low-cost to hold  

5% cashback on Amazon purchases for Prime members  

Maximises rewards for frequent Amazon Prime shoppers  

3% cashback on Amazon purchases for non-Prime members  

Provides good returns on Amazon shopping even without Prime membership  

2% cashback on Amazon Pay partner merchants  

Earn rewards on spending at over 100 partner merchants, extending value beyond Amazon  

1% cashback on all other eligible purchases  

Earns some return on all other transactions, ensuring the card is useful for general spending  

1% fuel surcharge waiver on fuel transactions  

Reduces cost on fuel, a common recurring expense  

Reward points do not expire 

There is no capping on the number of reward points earned, and they do not expire 

Rewards automatically credited as Amazon Pay balance every billing cycle  

Immediate usability for Amazon and partner merchant purchases without manual redemption  

Low Forex Markup Fee 

This card offers a low forex markup fee of 1.99% on international transactions 

EMI and balance conversion options  

Converts large purchases into manageable monthly installments, providing financial flexibility  

Worldwide acceptance  

Can be used for online or international purchases where Amazon Pay or ICICI network is accepted  

Security and contactless payment features  

Contactless payments for convenience and security on small-ticket transactions  

10% accelerated cashback (up to Rs.1,000 per month) on dining, food‑delivery and grocery spends 

High reward rate in everyday high‑value categories, boosting returns when you spend in these key areas 

1.5% unlimited cashback on most other spends 

You continue earning a base cashback rate on most other transactions, so the card has value beyond the high‑bonus categories 

Joining fee Rs.999 and annual fee Rs.999 (annual fee waived if annual spend is more than Rs.200,000) 

Clear cost structure with a waiver path, making the card affordable if you use it actively 

Get Rs.1,000 cashback spending Rs.20,000 within 30 days of getting your card. You also get Rs.250 Amazon eGift Voucher when you complete the video verification. 

Early rewards for new cardholders give immediate value and incentive to use the card soon 

4 complimentary domestic airport lounge visits per year (one per quarter) 

This card offers lifestyle/travel benefits beyond basic cashback, lending extra value for domestic travellers 

Exclusive dining programme and curated offers (e.g., Live+ Dining Programme) 

Additional perks for dining out enhance the lifestyle component of the card 

Get activation benefits worth Rs.350 with this card  

Provides immediate value when you start using the card 

Earn 7.5% cashback on Myntra spends (capped at Rs.4,000 per statement quarter) 

High reward rate for frequent shoppers on Myntra 

Renewal Fee Waiver 

Get your renewal fee waived off on completing transactions worth Rs.3.5 lakh in a year before the card renewal date 

Earn 5% cashback on Flipkart and Cleartrip spends (capped at Rs.4,000 per statement quarter per merchant) 

Strong benefit for major platform spends with defined cap 

Earn unlimited 4% cashback on Preferred Merchants 

Gives extra return on selected partner outlets 

Earn unlimited 1% cashback on all other eligible purchases 

Ensures you get some return on all other spends 

Get a 1% fuel surcharge waiver on transactions ranging between Rs.400 up to Rs.4,000, with benefits capped at Rs.400 in a statement cycle 

Helps reduce recurring fuel cost under defined condition 

5% cashback on specified online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato) 

High reward rate on your most frequent digital spending channels 

1% cashback on other spends 

Ensures you earn some return on a broad range of purchases beyond the specified merchants 

Gift vouchers worth Rs.1,000 on spends of Rs.1,00,000 or more in each calendar quarter 

Additional milestone incentive for high‑spend users 

1% fuel surcharge waiver at all fuel stations in India (minimum Rs.400, maximum Rs.5,000 transaction; maximum waiver Rs.250 per statement cycle) 

Savings on recurring fuel expenses 

Zero liability on lost card 

If you lose your card, you must report it immediately to prevent misuse of your card  

Interest‑free credit period up to 50 days 

Gives short‑term, interest‑free financing on your purchases 

Smart EMI option for large spends 

Allows converting big purchases into manageable EMIs post purchase 

Contactless payment enabled 

Quick and convenient payments for everyday transactions 

Rewards (CashPoints) redeemable: 1 CashPoint = Rs. 1 against statement; alternate redemption via travel/lifestyle catalogue 

Flexible redemption options and value conversion for your rewards 

Monthly caps on Cashback: maximum 1,000 CashPoints for the 5% category and 1,000 CashPoints for the 1% category per calendar month 

Sets clear upper limits, helping you plan how much value you can extract 

Lounge access (domestic) via achieving quarterly spend milestone 

Adds lifestyle/travel benefit beyond just cashback 

Membership/renewal fee payable, with waiver condition if you meet spend requirement 

Transparent cost with option to waive the fee based on activity 

Renewal Fee Waiver

Get your renewal fee waived off on completing spends worth Rs.1 lakh and above in a year before the card renewal date 

10 % cashback on transactions via the Swiggy app (food ordering, Instamart, Dineout and Genie) 

Maximises rewards for frequent Swiggy users across many of the platform’s services 

5 % cashback on eligible online spends across defined categories 

Offers elevated returns for online shopping beyond the co‑brand platform 

1 % cashback on all other eligible purchases 

Ensures you continue to earn on general spending, albeit at a lower rate 

Complimentary 3‑month ‘Swiggy One’ membership on card activation 

Adds lifestyle and platform‑value benefit right when you join 

Smart EMI and balance transfer facilities 

Enables conversion of large purchases or existing balances into easier repayments 

Contactless payment enabled 

Permits faster, more convenient transactions for everyday use 

Membership fee: Rs.500 + applicable taxes (annual from 2nd year) with fee waiver if annual spend at least Rs.2,00,000 (with defined exclusions) 

Cost is modest and waiver makes it economical if you use the card actively 

Amazon e‑Voucher worth Rs.500 on first transaction within 30 days of card issuance  

Immediate value upon activation, offsets initial cost of the card  

25% cashback on Airtel mobile, broadband, Wi‑Fi and DTH bill payments via Airtel Thanks app, with a capping of Rs.250 in a statement cycle. 

High reward rate on recurring telecom/utility spends if you use Airtel services  

10% cashback on utility bill payments (gas, electricity etc.) via Airtel Thanks app  

You save on essential household expenses via the app  

10% cashback on Swiggy, Zomato and BigBasket purchases  

Good value for food delivery/grocery spends at these popular merchants  

1% cashback on all other eligible spends  

Ensures you earn rewards on general spending too  

4 complimentary domestic airport lounge visits per calendar year, subject to min spend of Rs.50,000 in previous 3 months  

Adds travel‑luxury benefit for frequent flyers if you meet spend threshold  

1% fuel surcharge waiver on fuel purchases at all fuel stations in India (transactions Rs.400 to Rs.4,000; max waiver Rs.500 per statement)  

Savings on fuel expenses, a frequent cost for many cardholders  

Dining Delights programme – special offers at top restaurants across India  

Additional lifestyle perk beyond basic cashback, useful for dining out  

Option to convert purchases of Rs.2,500 or more into easy EMI  

Helps in managing large spends sensibly by converting into EMIs  

Renewal Fee Waiver 

Get a waiver on renewal fees on completing spends worth Rs. 2 lakhs in a year before the card renewal date 

2% cashback on online spends (up to Rs.1,000 per month)  

Highest reward rate offered for online shopping. It is good value if you shop online frequently.  

1% cashback on other eligible spends (up to Rs.500 per month)  

Ensures you earn rewards on non‑online purchases, covering everyday expenses beyond just the internet.  

Extended interest‑free credit period for the first 90 days after card issuance by paying only the minimum due  

Gives extra breathing room when you first get the card. It is helpful if you need time before full payment.  

Special EMI interest rate of 0.99% per month with zero processing fee for converting eligible transactions into 3‑month EMI  

Makes large purchases more manageable by turning them into low‑cost short‑term installments.  

Joining / first year fee: Rs.499 + GST (waived under special offer for first‑time cardholders)  

Entry cost is relatively reasonable, and first‑year waiver improves value.  

Renewal Fee Waiver 

Get your renewal fee waived off on completing spends worth Rs.1.2 lakh and above in a year before the card renewal date  

Supplementary (add‑on) cards available  

You can extend the benefits of the card to family members via add‑ons.  

Contactless payments, secure online transactions and digital payment solutions (e.g., instant payment modes)  

This feature helps you complete everyday transactions with ease  

Earn up to 10x reward points every time you shop 

High reward rate on most shopping transactions, giving major boost in points for regular spenders 

Maximum of 10,000 Reward Points per statement cycle 

Transparent cap helps you plan how much value you can earn 

Exclusions: Fuel, Rent, Cash withdrawal, BBPS, Quasi-Cash, Education and Government service transactions 

Know upfront which transactions do not earn accelerated rewards 

Utility and Insurance transactions earn 1 Reward Point per Rs.100 (capped at 100 Reward Points per transaction) 

Ensures you still earn something on utilities/insurance, but at a lower rate 

Fuel surcharge waiver: 1% on transactions between Rs.400 and Rs.5,000 at fuel stations 

Reduces recurring fuel costs under defined conditions 

Milestone Cashback: Additional 5% cashback three times over 90 days if retail spends reach Rs.10,000 (max Rs.500 per 30 days), or 2% cashback three times over 90 days if spends reach Rs.15,000 (max Rs.1,000 per 30 days) 

Extra rewards for hitting spend milestones, rewarding higher spend patterns 

Category Cashback: Additional 5% cashback on groceries and apparel (in addition to 1 Reward Point per Rs.100) with max Rs.500 per 30 days 

Targeted savings in everyday high-volume categories 

Airport Lounge Access: Up to 2 visits per 90 days 

Adds lifestyle and travel benefit beyond basic rewards 

Zero liability for fraudulent transactions (up to Rs.1.5 lakh or credit limit) when the card is reported lost 

Protects you from financial loss due to fraud 

HDFC Bank Money Back Credit Card

Salaried - 21 to 60 years

Self-employed - 21 to 65 years

Cashback SBI Card

21 to 70 years

Amazon Pay ICICI Credit Card

Minimum 21 years 

HSBC Live+ Credit Card

18 to 65 years

Flipkart Axis Bank Credit Card

18 to 70 years

HDFC Millennia Credit Card

Salaried: 21 to 60 years  

Self-employed: 21 to 65 years 

Swiggy HDFC Credit Card

Salaried - 21 to 60 years 

Self-employed - 21 to 65 years  

Airtel Axis Bank Credit Card

18 to 70 years

Standard Chartered Smart Credit Card

18 to 65 years

AU Bank LIT Credit Card

Salaried: 21 to 60 years 

Self-employed: 25 to 65 years