Updated June 2026
Best Cashback Credit Cards in India
Cashback cards return a flat percentage of your spending as statement credit or direct cash — the simplest reward you can earn, with no points to track or redeem. These are our top picks for everyday Indian spending, ranked by the real rate you earn after monthly caps.
- 1
Best cashback card overall
HDFC Bank Diners Club Black Credit Card
HDFC Bank
4.5PremiumWhy we picked it: Unlimited domestic and international airport lounge access for primary and add-on members; High base reward rate of 5 RP per Rs. 150 (up to 3.33% at full RP value).
- Top reward
- 33.33%
- Annual fee
- ₹10,000
- Welcome
- —
- 2
#2 for cashback
HDFC Bank Infinia Credit Card
HDFC Bank
4.9PremiumWhy we picked it: One of the best reward rates in India (3.3% base, up to ~33% via SmartBuy); Unlimited domestic and international lounge access via Priority Pass.
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome
- ₹12,500
- 3
#3 for cashback
HDFC Bank Swiggy Credit Card
HDFC Bank
4.3Why we picked it: Excellent 10% cashback on Swiggy (food, Instamart, Dineout); 5% cashback on broad online spends.
- Top reward
- 10%
- Annual fee
- ₹500
- Welcome
- —
- 4
#4 for cashback
Amazon Pay ICICI Credit Card
ICICI Bank
4.6Lifetime freeWhy we picked it: Lifetime free card; Excellent reward rate on Amazon for Prime members.
- Top reward
- 5%
- Annual fee
- Lifetime free
- Welcome
- —
- 5
#5 for cashback
Axis Bank ACE Credit Card
Axis Bank
4.5Lounge accessWhy 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
- ₹499
At a glance
| Card | Rating | Top reward | Annual fee | Welcome |
|---|---|---|---|---|
| HDFC Bank Diners Club Black Credit Card | 4.5 | 33.33% | ₹10,000 | — |
| HDFC Bank Infinia Credit Card | 4.9 | 33% | ₹12,500 | ₹12,500 |
| HDFC Bank Swiggy Credit Card | 4.3 | 10% | ₹500 | — |
| Amazon Pay ICICI Credit Card | 4.6 | 5% | Lifetime free | — |
| Axis Bank ACE Credit Card | 4.5 | 5% | ₹499 | ₹499 |