Best of
Best Cashback Credit Cards in India
Compare cards returning statement cashback or a shopping balance. Reviewed calculations appear first. Ordering then uses an example ₹20,000/month of eligible ordinary online purchases and ₹10,000 of groceries, with subsequent-year fees including GST. Merchant-only bonuses are excluded from this mixed-spend example. Your result can differ.
- 1
Best cashback card overall
SBI Cashback Credit Card
State Bank of India
4.5VerifyingWhy we picked it: Flat 5% cashback on eligible online purchases with no merchant restrictions; Simple, easy-to-understand cashback structure.
- Top reward
- 5%
- Annual fee
- ₹999
- Welcome
- —
- 2
#2 for cashback
Axis Bank ACE Credit Card
Axis Bank
4.5Lounge accessVerifyingWhy we picked it: High 5% cashback on utility bills via Google Pay; Low annual fee with achievable spend waiver.
- Top reward
- 5%
- Annual fee
- ₹499
- Welcome
- —
- 3
#3 for cashback
Amazon Pay ICICI Credit Card
ICICI Bank
4.6Lifetime freeVerifyingWhy we picked it: Lifetime free card; Excellent reward rate on Amazon for Prime members.
- Top reward
- 5%
- Annual fee
- Lifetime free
- Welcome
- —
- 4
#4 for cashback
Flipkart Axis Bank Credit Card
Axis Bank
4.2VerifyingWhy we picked it: 5% cashback on Flipkart and 7.5% on Myntra; Low annual fee with spend-based waiver.
- Top reward
- 7.5%
- Annual fee
- ₹500
- Welcome
- ₹250
- 5
#5 for cashback
HDFC Millennia Credit Card
HDFC Bank
4.2Lounge accessVerifyingWhy we picked it: Strong 5% cashback on popular online brands; Low annual fee with easy ₹1 lakh spend waiver.
- Top reward
- 5%
- Annual fee
- ₹1,000
- Welcome
- ₹1,000
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At a glance
| Card | Rating | Top reward | Annual fee | Welcome |
|---|---|---|---|---|
| SBI Cashback Credit Card | 4.5 | 5% | ₹999 | — |
| Axis Bank ACE Credit Card | 4.5 | 5% | ₹499 | — |
| Amazon Pay ICICI Credit Card | 4.6 | 5% | Lifetime free | — |
| Flipkart Axis Bank Credit Card | 4.2 | 7.5% | ₹500 | ₹250 |
| HDFC Millennia Credit Card | 4.2 | 5% | ₹1,000 | ₹1,000 |