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Cashback credit cards in India

43 options, compared on the numbers that decide it: what you pay to hold one, what you get back, and who is eligible.

  • 43Options
  • 6Providers

A cashback card pays back part of what you spend as money off your bill, not as points you have to redeem. The rate is usually higher on the brands or categories the card names and lower on everything else, and most cards cap how much cashback you can earn in a month.

Which credit card gives the highest cashback?

It depends on where you spend. Ranked from each bank's published rate and monthly cap; what a bank pays SkyloFin is never part of the order.

Best overall cashback cardHSBC Live Plus Credit CardTops 4 of 4 spends: 10% on online shopping, 10% on groceries, 10% on dining and food delivery, 10% on utility bills, up to ₹1,200 a month.View card

Best for each spend, if you want a second card

Rates and monthly caps change; each card's page shows its current terms. Check the bank's terms before you apply.

Read our guide: Best Cashback Credit Cards in India: What You Actually Get Back

43 cards (filtered)
DiningFeatured
HSBC Live Plus Credit Card

HSBC Live Plus Credit Card

HSBC

Joining fee
₹999 + GST
Annual fee
₹999 + GST
Rewards
1.5% base, up to 10% on dining
Fee waived on
₹2 lakh spend a year
Read more
  • Earn 10% Accelerated Cashback (up to Rs 1,000/month) on dining, food delivery and groceries and Earn unlimited 1.5% Cashback on other eligible spends
  • Save up to 15% on dining bills at 200+ partner restaurants through the HSBC Live+ Dining Programme
  • 4 complimentary domestic airport lounge visits per year (1 per calendar quarter)
  • Get Rs 1,000 Cashback when you download & log into the bank’s app and spend Rs 20,000 in first 30 days
  • Receive a complimentary 12-month Times Prime subscription, giving you free access to Spotify Premium, Uber One, Discovery+, Moneycontrol Pro, Lenskart Gold and more
  • Get Amazon Pay, Swiggy, or Zomato vouchers worth up to Rs 500 on card activation with a minimum single transaction of Rs 300
Apply NowView details
CashbackFeaturedLifetime Free
Kiwi Credit Cards

Kiwi Credit Cards

Kiwi, issued by AU Small Finance Bank

Joining fee
Free
Annual fee
Free
Rewards
1% base, up to 1.5% on UPI payments
Network
RuPay
Read more
  • Get 1.5% Cashback on eligible Scan and Pay transactions with Kiwi LTF Card
  • Get 2% Cashback on eligible Scan and Pay transactions with Kiwi Neon Card
  • 0.5% Cashback on Online Transactions (Normal Exclusions like rent, fuel etc)
  • As a Kiwi Neon user, you can earn up to 5% Cashback and lounge access on an annual spend of Rs 50,000 & above on the Kiwi App
  • As a Kiwi Neon user, get 1 complimentary airport lounge access each time you achieve the annual spend milestones of Rs 50k, 1akh & 1.5 lakh
  • Earn 2 Reward points for every Rs 200 spent on non-UPI transactions
Apply NowView details
ShoppingFeatured
SBI Cashback Credit Card

SBI Cashback Credit Card

State Bank of India

Joining fee
₹999 + GST
Annual fee
₹999 + GST
Rewards
1% base, up to 5% on online shopping
Fee waived on
₹2 lakh spend a year
Read more
  • Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions (Capped at Rs 4000/month combined for both Online & Offline Spends)
  • Offline spends: Get 1% cashback on everyday purchases (eligible offline categories)
  • Online + offline cashback combined is capped at Rs 4,000 per statement cycle - save Rs 48,000/year!
  • Fuel surcharge waiver: 1% waiver on transactions between Rs 500 to Rs 3,000, capped at Rs 100 per statement cycle. No cashback is earned on fuel
  • Cashback is auto-credited to your SBI Card account within 2 working days of statement generation
Apply NowView details
Shopping
Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

Axis Bank

Joining fee
₹500 + GST
Annual fee
₹500 + GST
Rewards
1% on most spends; 7.5% only at partner merchants
Welcome benefit
₹250 in vouchers, points or cashback on card activation
Fee waived on
₹3,50,000 spend a year
Read more
  • Co-branded with Flipkart, built for regular shoppers
  • 5.0% back on Flipkart purchases
  • Accelerated cashback at: Flipkart, Cleartrip, Myntra
  • UPI enabled credit card
  • 5% cashback at Flipkart, Cleartrip, capped ₹4,000/quarter/merchant
  • 7.5% cashback on Myntra, capped ₹4,000/quarter
Apply NowView details
Dining
AU Tejas Credit Card

AU Tejas Credit Card

AU Small Finance Bank

Joining fee
₹500 + GST
Annual fee
₹500 + GST
Rewards
0.25% on most spends; 10% only at partner merchants
Fee waived on
₹1,50,000 spend a year
Apply NowView details
Showing 24 of 43

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Card changes

Recent Changes on Cashback Cards

Banks change fees and rewards often. These are the latest on cashback cards we list, with the source.

All card changes

Questions About Cashback Credit cards

Straight answers before you apply. Each card's own terms are on its page.

Is cashback better than reward points?

Cashback is simpler: it is credited as money and needs no redemption. Reward points can be worth more when redeemed for flights or hotels, and less when redeemed for vouchers. If you do not want to track points, cashback is usually the safer choice.

When is cashback credited?

Most banks credit it on the next statement or within a set number of days after the spend. Each card's page shows its own terms.

Do all spends earn cashback?

No. Fuel, rent, wallet loads, insurance and government payments are often excluded or earn a lower rate. Check the exclusions on the card's page before relying on a category.

How many Cashback credit cards does SkyloFin compare?

43 right now, each with its fees, benefits and eligibility from the provider's own published terms. SkyloFin never charges you to apply.

Work Out the Numbers

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Cashback and Rewards Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

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