Top Cashback Credit Cards in India 2026

Here are the top credit cards in India that reward you with decent cashback for your expenses.

1. YES Bank Paisabazaar PaisaSave Credit Card

Best for: Dining & Travel
Joining Fee: Nil
Annual Fee: Rs. 499 (Waived off on spending Rs. 1.2 lakh in a year)

Key Features and Benefits:

• 6% cashback on dining & travel spends
• 1% cashback on other categories & UPI spends
• 1% fuel surcharge waiver across all petrol pumps, up to Rs. 250 per month
• Annual fee waiver on spending Rs. 1.2 Lakh in a year

Offering 6% cashback on all dining & travel spends without any merchant restrictions, YES BANK Paisabazaar PaisaSave Credit Card turns out to be one of the best cashback credit cards for travel and dining. While most travel credit cards offer value-back through Air miles and dining cards usually come with co-branded benefits, this card stands out due to its no brand restrictions. Though the 6% cashback is capped at Rs. 3,000 per month, cardholders can still save significantly on their monthly dining and travel expenses. Besides this, it also offers 1% base cashback on other categories, including UPI spends. Overall, this card is suitable for consumers who want a simple, high-value cashback card to save on all dining and travel spends without any merchant restrictions.

2. Cashback SBI Card

Best for: Online Shopping
Joining Fee: Rs. 999
Annual Fee: Rs. 999 (Waived off on spending Rs. 2 lakh in a year)

Key Features and Benefits:

• 5% cashback on online spends
• 1% cashback only on offline transactions
• Annual fee reversal on spending Rs. 2 Lakh in a year
• 1% fuel surcharge waiver across all petrol pumps in India

Cashback SBI Card is another option for online shoppers as it gives 5% flat cashback across all online purchases irrespective of the merchant or platform. The card is best suited for consumers who prefer shopping through e-commerce platforms but do not want to limit the benefits to one or more brands or categories. Cashback on online and offline spends (combined) is limited to Rs. 5,000 in a month, after which no cashback can be earned on the card. Despite the capping, the card remains a good option for high-spending online shoppers who can easily maximize its benefits.

Also Read: Best Credit Cards for Online Shopping

3. HDFC Millennia Credit Card

Best for: Benefits on Multiple Brands
Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (Waived off on spending Rs. 1 Lakh in a year)

Key Features and Benefits:

• 5% cashback on Amazon, Cult.fit, BookMyShow, Sony LIV, Flipkart, Myntra, Swiggy, Tata CLiQ, Zomato and Uber
• 1% cashback on all other spends
• Cashback will be earned in the form of Cash Points
• Rs. 1,000 worth gift voucher or 1 domestic lounge access on spending Rs. 1 lakh and above in each calendar quarter

HDFC Millennia provides 5% cashback on multiple brands, covering the most popular platforms in different categories like BookMyShow (movies), Amazon and Flipkart (online shopping), Swiggy and Zomato (dining), among others. However, there is minimum transaction limit to be eligible for the cashback, and maximum capping on the cashback that you can earn in a billing cycle. Hence, this card would be a great choice for high-spenders who prefer the associated brands.

4. Flipkart Axis Bank Credit Card

Best for: Benefits on Flipkart and Cleartrip
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived off on spending Rs. 3.5 Lakh in a year)

Key Features and Benefits:

• 5% cashback on Flipkart and Cleartrip
• 4% cashback on shopping with preferred merchants
• 1% unlimited cashback across all other categories
• 4 complimentary domestic lounge visit every year on spending min. Rs. 50,000 during the previous quarter
• 1% fuel surcharge waiver up to Rs. 400 per month
• Welcome benefits worth Rs. 600

Another popular co-branded online shopping card, Flipkart Axis gives 5% unlimited cashback on Flipkart and Cleartrip with 4% unlimited cashback on preferred merchants, like PVR, Uber, Swiggy and Cult.fit. Hence, the card covers 3 very popular categories – shopping, travel, and lifestyle. Similar cards like Amazon Pay and Paytm SBI Card offer great benefits on their own respective platforms and some partner merchants. However, the partner merchants on Flipkart Card are among the most popular ones in their categories, making the card more practical. Flipkart loyalists, who also seek benefits with other preferred merchants can consider getting this card.

Flipkart also offers another co-branded card with SBI Card that comes with similar benefits and the same annual fee. If you are not eligible for Flipkart Axis Card, you can consider applying for Flipkart SBI Card.

5. Tata Neu Infinity HDFC Bank Credit Card

Best for: Shopping across Tata Group (Tata 1MG, Croma, BigBasket, Titan, Tanishq, etc.)
Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499 (Waived off on spending Rs. 3 Lakh in a year)

Key Features and Benefits:

• 5% back on Tata Neu and partner Tata brands
• Additional 5% back as NeuCoins on selected categories on Tata Neu app/website (after registering for Tata NeuPass)
• 1.5% back on spends outside Tata Group, including merchant EMI spends
• Up to 1.5% back on UPI spends across all categories (including Tata brands)
• 8 complimentary domestic lounge visits every year
• 4 complimentary international lounge visits every year
• 1,499 NeuCoins as welcome benefit

Despite being a co-branded credit card, Tata Neu Infinity HDFC Credit Card covers multiple categories ranging from shopping and groceries to high-ticket spends like jewellery and appliances. Unlike most cards that generally exclude EMI transactions from their rewards program, this card offers 1.5% value-back across all purchases made outside the co-branded ecosystem, including EMI transactions. The card can be a good choice for consumers who often shop with the eligible Tata Group Brands and can easily maximize the benefits.

6. Swiggy HDFC Bank Credit Card

Best for: Benefits on Swiggy (Dining, Food Orders and Grocery)
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• 10% cashback on the Swiggy app for food ordering, Swiggy Instamart, Dineout and Genie
• 5% cashback on online spending across top brands
• 1% cashback on other category spends
• 3 months Swiggy One membership on card activation and renewal

Swiggy HDFC Bank Credit Card is suitable for those who frequently use Swiggy to order food, groceries and other daily-use items online or like to dine-in at restaurants. This co-branded credit card comes with an accelerated cashback rate of up to 10% on Swiggy and other online spends made on top brands. Unlike most co-branded cards where cashback is credited into the brand’s wallet, Swiggy HDFC Card gives direct value-back into the statement. Overall, the card is not just a good choice for co-branded benefits on Swiggy but also stands as a strong competitor to shopping cards like Flipkart Axis and Amazon Pay ICICI.

Also Read: Best Credit Cards for Grocery Purchases

7. Airtel Axis Bank Credit Card

Best for: Utility Bill Payments through Airtel
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• 25% cashback on bill payments of Airtel Mobile, Broadband, WiFi and DTH via Airtel Thanks app
• 10% cashback on Zomato, Swiggy, BigBasket and utility bills paid for electricity, gas, etc. via Airtel Thanks app
• 1% unlimited cashback on other spends
• Amazon e-voucher worth Rs. 500 as a welcome or activation benefit
• 4 complimentary domestic lounge visits per year on spending Rs. 50,000 during the previous 3 months

Since most cards exclude utility bill payments from their rewards program, Airtel Axis Credit Card is among the leading options for those looking to save on this category, especially Airtel customers. The card offers 25% cashback on bill payments for Airtel mobile, WiFi, DTH and broadband recharges. Moreover, 10% cashback on preferred merchants and utility bills paid via Airtel Thanks app is also provided, along with unlimited 1% cashback on other spends, making it a great option for Airtel customers who want to save on utilities, grocery and dining. However, if you are not an Airtel customer and are still looking to earn cashback on utility bills, then Axis ACE credit card might be a better option for you.

Suggested Read: Best Credit Cards for Utility Bill Payment

8. HSBC Live+ Credit Card

Best for: Dining, Grocery and Food Delivery
Joining Fee: Rs. 999
Annual Fee: Rs. 999 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• Rs. 1,000 cashback on spending Rs. 20,000 or more within the first 30 days of card issuance
• 10% cashback, up to Rs. 1,000 per month, on dining, grocery and food delivery spends
• Unlimited 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge visits in a year
• Up to 15% off on dining at partner restaurants via Live+ Dining Programme

HSBC Live+ is suitable for those who frequently spend on groceries, dining, and food delivery. With up to 10% cashback on food-related spends and 1.5% cashback on other spends, users can save substantially. Apart from cashback, the card also offers complimentary domestic lounge access and spend-based welcome bonus. For people who want to save on daily spends and prefer direct cashback instead of reward points, HSBC Live+ can be a suitable option. However, those who want a credit card with diverse benefits can consider other all-rounder credit cards.

Quick read: Credit Cards with Airport Lounge Access

9. BOBCARD Cashback

Best for: Online Shopping
Joining Fee: Monthly fee of Rs. 49/ Joining fee of Rs. 499
Annual Fee: Monthly fee of Rs. 49/ Annual fee of Rs. 499

Key Features and Benefits:

• 5% cashback on select domestic online spends (Applicable only on a min. of 4 card transactions in a month)
• Unlimited 1% cashback on other categories
• 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends between Rs. 400 and Rs. 5,000
• Up to 3 free add-on cards for cardholder’s spouse, parents, siblings or kids above 18 years of age

BOBCARD Cashback is a decent option for consumers seeking accelerated value-back on online spends without any brand restrictions. However, cardholders must make at least four monthly transactions to avail this benefit. Besides this, the card offers a base cashback of 1% on other categories. While the card does not restrict its accelerated value-back to specific brands, it comes with a monthly capping of Rs. 1,500. Despite this capping, the card remains a suitable entry-level option for consumers looking for direct and consistent value-back across all online spends.

10. HSBC RuPay Cashback Credit Card

Best for: Online Shopping
Joining Fee: Rs. 499
Annual Fee: Rs. 499 (Waived off on spending Rs. 2 Lakh in a year)

Key Features and Benefits:

• 10% cashback on dining, grocery and food delivery
• 1% cashback on other eligible spends, including UPI transactions
• 8 domestic and 2 international airport lounge visits per year
• Up to 10% off on top brands, including Swiggy Instamart, Tira, Cleartrip & Paytm

HSBC RuPay Cashback is one of the best cashback credit cards due to its 10% cashback on everyday categories, including dining, grocery, and food delivery spends. Besides this, it offers a base cashback of 1% on other categories, including UPI transactions, further enhancing its value for day-to-day spends. Apart from direct cashback, this credit card also offers discounts on Swiggy Instamart, Tira, Cleartrip, and Paytm, covering more categories such as grocery, shopping, travel, bill payments, and more. Overall, this credit card is an affordable option for consumers seeking decent value-back across multiple categories and top brands.