Best Cashback Credit Cards in India (2026)
Last updated: May 2026
Reviewed by Mahendra Patel · Methodology · Affiliate disclosure
The best cashback credit cards in India reward everyday spends on shopping, dining, fuel, and bill payments. This guide compares top cards by net cost, earn rates, and eligibility — not by affiliate payouts. How we review.
Quick comparison
| Card | Best for | Rewards (indicative) | Annual fee |
|---|---|---|---|
| SBI Cashback | Online shopping | 5% online; 1% offline | ₹999 (waiver possible) |
| HDFC Millennia | Amazon, Flipkart, Swiggy | 5% partners | ₹1,000 (waiver tiers) |
| Axis Ace | Bill payments | 5% select billers | ₹499 |
| Amazon Pay ICICI | Amazon.in | 5% Prime / 3% non-Prime | Lifetime free (typical) |
Verify fees and caps on each issuer website before applying. Rankings are not influenced by commission. Affiliate disclosure.
Top picks
Online shopping: SBI Cashback review · Compare HDFC Millennia vs SBI Cashback · Amazon Pay ICICI vs Flipkart Axis.
Sources
- Reserve Bank of India — regulatory framework for credit cards
- Issuer websites and MITC documents (e.g. SBI Card, HDFC Bank card pages)
FAQ
What is the best cashback card? There is no single winner — match the card to your top spend categories (online vs Amazon vs bills).
Risk warning: Credit cards charge interest on unpaid balances. Approval is at the bank’s discretion. Not financial advice. Report an error.