Cashback cards are the simplest way to earn from your spends: the money is credited straight to your statement, with no points to track or catalogues to redeem from. The best ones pay 5–10% in categories you already spend on.
We ranked the top cashback credit cards by the categories they cover and how easy the cashback is to earn.
Why we picked it: Flat 5% on online spends across almost every website, and 1% offline.
Online cashback is capped at ₹5,000 per statement. Fuel, rent and wallet loads are excluded.
HDFC Bank · Mastercard
Why we picked it: 10% on Swiggy, Instamart and Dineout, and 5% on other online spends.
Swiggy orders need to be ₹249+ to earn 10%. Each category is capped at ₹1,500 per cycle.
Axis Bank · Mastercard
Why we picked it: 7.5% on Myntra, 5% on Flipkart and 4% on Swiggy, Uber and PVR.
ICICI Bank · Visa
Why we picked it: Up to 5% on Amazon, with no fee.
Axis Bank · Mastercard
Why we picked it: 25% on Airtel bills and 10% on utilities, food delivery and groceries.
Each cashback category has a monthly cap.
Axis Bank · RuPay
Why we picked it: Up to 3% back on UPI and 1% unlimited on everything else.
The 3% cashback is capped at the 1% cashback you earn in the same cycle (minimum ₹100). Transactions under ₹100 earn nothing.
| Card | Best for | Annual fee | Headline benefit | Lounge |
|---|---|---|---|---|
| Cashback SBI Card | Online shopping | ₹999 | 5% online cashback | None |
| Swiggy HDFC Bank Credit Card | Food delivery & Instamart | ₹500 | 10% on Swiggy | None |
| Flipkart Axis Bank Credit Card | Flipkart & Myntra | ₹500 | 7.5% on Myntra | None |
| Amazon Pay ICICI Credit Card | Amazon shoppers | Free | 5% on Amazon | None |
| Airtel Axis Bank Credit Card | Bills & utilities | ₹500 | 25% on Airtel | Domestic (spend-based) |
| super.money RuPay Credit Card | UPI cashback | Free | 3% on UPI | None |
Still unsure? Use the card finder to see which card earns the most on your own spends.
For online shopping, Cashback SBI Card's flat 5% is hard to beat. For food delivery, Swiggy HDFC gives 10%, and for Airtel users, Airtel Axis gives 25% on Airtel bills.
Cashback is simpler and guaranteed. Reward points (like Amex Membership Rewards) can be worth more if you redeem them well, but they take more effort.
No. Cashback on your own spending is treated as a discount, not income, for individuals.