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Best cashback credit cards we compare

These cards pay cashback as money or a cash-like credit, not reward points, so a 1% rate is worth 1%. We rank them by online cashback, the rate that differs most between them; caps and excluded spends are on each card's page.

15 cards · last verified 20 Oct 2026 · how we rank

Compare cashback cards

  1. 1
    CASHBACK SBI Card

    5% on online shopping · 1% base · ₹999 joining, ₹999 a year

    Apply nowVia our referral partner. We may earn a commission.
  2. 2
    HDFC Bank Millennia Credit Card

    5% on online shopping · 1% base · ₹1,000 joining, ₹1,000 a year

    Apply nowVia our referral partner. We may earn a commission.
  3. 3
    Swiggy BLCK HDFC Bank Credit Card

    5% on online shopping · 1% base · ₹1,000 joining, ₹1,000 a year

    View on HDFC Bank siteIssuer's site. We don't earn from this card.
  4. 4
    HDFC Bank PIXEL Play Credit Card

    3% on online shopping · 1% base · ₹500 joining, ₹500 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  5. 5
    Kotak811 Dream Different Credit Card

    2% on online shopping · 2% base · ₹424 joining, no annual fee · UPI

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
  6. 6
    HDFC Bank MoneyBack+ Credit Card

    2% on online shopping · 0.2% base · ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.
  7. 7
    HSBC Live+ Credit Card

    1.5% on online shopping · 1.5% base · ₹999 joining, ₹999 a year

    Apply nowVia our referral partner. We may earn a commission.
  8. 8
    Axis Bank SUPERMONEY RuPay Credit Card

    1% on online shopping · 1% base · Lifetime free · UPI

    View on Axis Bank siteIssuer's site. We don't earn from this card.
  9. 9
    Kotak811 super.money Credit Card

    1% on online shopping · 1% base · ₹249 joining, no annual fee · UPI

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
  10. 10
    HSBC RuPay Cashback Credit Card

    1% on online shopping · 1% base · ₹499 joining, ₹499 a year · UPI

    View on HSBC siteIssuer's site. We don't earn from this card.
  11. 11
    Airtel Axis Bank Credit Card

    1% on online shopping · 1% base · ₹500 joining, ₹500 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  12. 12
    Flipkart Axis Bank Credit Card

    1% on online shopping · 1% base · ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.
  13. 13
    Kiwi RuPay Credit Card (PNB)

    0.5% on online shopping · – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  14. 14
    Kiwi RuPay Credit Card (YES Bank Klick)

    0.5% on online shopping · – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  15. 15
    Roarbank UPI Credit Card (Unity Small Finance Bank)

    – on online shopping · – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.

Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.Ranking never depends on whether we earn from a card.

The cards in detail

  1. 1. CASHBACK SBI Card

    Flat cashback card: 5% on online spends and 1% on offline spends, capped at ₹4,000 a statement cycle.

    ₹999 joining, ₹999 a year

    Apply nowVia our referral partner. We may earn a commission.

  2. 2. HDFC Bank Millennia Credit Card

    Cashback as CashPoints worth ₹1 each against your bill: 5% at 10 online merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV) and 1% on most other spends, each capped at ₹1,000 a month. Fuel, rent, wallet loads, EMI and government payments earn nothing.

    ₹1,000 joining, ₹1,000 a year

    Apply nowVia our referral partner. We may earn a commission.

  3. 3. Swiggy BLCK HDFC Bank Credit Card

    Cashback taken off your card bill: 10% on the Swiggy app (food delivery, Instamart, Dineout) up to ₹1,500 a billing cycle, 5% on online spends at listed merchants such as Amazon, Flipkart, Myntra, Nykaa, Cleartrip and BookMyShow up to ₹1,500, and 1% on most other spends up to ₹1,000, so at most ₹4,000 a cycle. Fuel, rent, wallet loads, gift cards, jewellery, gaming, education, EMI and government payments earn nothing. New cardholders get 3 months of Swiggy BLCK membership.

    ₹1,000 joining, ₹1,000 a year

    View on HDFC Bank siteIssuer's site. We don't earn from this card.

  4. 4. HDFC Bank PIXEL Play Credit Card

    Cashback as CashPoints: 5% on two merchant packs you choose, 3% on one e-commerce platform you choose, 5% on SmartBuy, 1% on everything else; all capped monthly, and fuel and rent earn nothing.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  5. 5. Kotak811 Dream Different Credit Card

    2% cashback on most spends, including UPI payments made in the Kotak811 app, but only in billing cycles where you spend ₹15,000 or more. Cashback is capped at ₹500 a cycle (of which at most ₹200 from UPI) and ₹100 a transaction, and you claim it in the 811 app into your Kotak savings account. Fuel, rent, wallet loads, insurance, gold, gaming and EMI spends earn nothing.

    ₹424 joining, no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.

  6. 6. HDFC Bank MoneyBack+ Credit Card

    CashPoints worth ₹0.20 each as statement credit: 20 per ₹200 (about 2% back) at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart stores, capped at 2,500 CashPoints (₹500) a month, and 2 per ₹200 (about 0.2%) on most other spends. Plus a ₹500 gift voucher each calendar quarter you spend ₹50,000. Fuel, rent, wallet loads, EMI and government payments earn nothing.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  7. 7. HSBC Live+ Credit Card

    Cashback card: 10% back on dining, food delivery, groceries, shopping and utility bills, capped at ₹1,200 a month (reached at ₹12,000 of these spends), and 1.5% on most other spends with no cap. Amazon, Flipkart and Myntra earn 1.5%, not 10%. Spends abroad earn no cashback, but the forex markup is a low 1.99%.

    ₹999 joining, ₹999 a year

    Apply nowVia our referral partner. We may earn a commission.

  8. 8. Axis Bank SUPERMONEY RuPay Credit Card

    Lifetime-free RuPay card: 3% cashback on scan-and-pay UPI through the super.money app, limited each cycle to what you earn on your other spends (at least ₹100), and 1% on other UPI and card spends with no cap.

    Lifetime free

    View on Axis Bank siteIssuer's site. We don't earn from this card.

  9. 9. Kotak811 super.money Credit Card

    Cashback: 5% on Myntra and 2% on Flipkart when you pay by card (not UPI), 1% on UPI payments made in the super.money app, and 1% on other card spends. UPI and other spends need a payment of at least ₹100. Per billing cycle, UPI cashback is capped at ₹500 and Flipkart cashback at ₹500 (₹100 a transaction).

    ₹249 joining, no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.

  10. 10. HSBC RuPay Cashback Credit Card

    10% cashback on dining, food delivery and groceries and 1% on other eligible spends, including UPI payments at shops, with all cashback capped at ₹400 a month (the 10% rate alone reaches the cap at ₹4,000 of spend). Links to UPI apps; abroad it works on the JCB network.

    ₹499 joining, ₹499 a year

    View on HSBC siteIssuer's site. We don't earn from this card.

  11. 11. Airtel Axis Bank Credit Card

    Cashback card for Airtel users: 25% back on Airtel mobile, broadband, Wi-Fi and DTH bills and 10% on other utility bills when you pay them in the Airtel Thanks app, and 1% on most other spends. The app cashback is capped each cycle at twice (Airtel bills) and once (other bills) the 1% you earn on other spends. 10% back at Zomato, Blinkit and District comes as wallet credit in those apps, up to ₹200 each a month.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  12. 12. Flipkart Axis Bank Credit Card

    Cashback card: 7.5% on Myntra, 5% on Flipkart and Cleartrip (each capped), 4% on preferred merchants, 1% on other eligible spends.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  13. 13. Kiwi RuPay Credit Card (PNB)

    RuPay credit card on UPI: 1.5% Kiwis cashback on scan and pay, 0.5% on online spends, plus 5-15% rotating merchant offers.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  14. 14. Kiwi RuPay Credit Card (YES Bank Klick)

    Virtual RuPay card for UPI: 1.5% cashback on UPI scan and pay, 0.5% on online spends, paid as Kiwis worth ₹0.25 each.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  15. 15. Roarbank UPI Credit Card (Unity Small Finance Bank)

    Pick two categories each month for up to 20% cashback (capped at ₹2,500 a month), plus a flat 1% on utility bills and mobile top-ups; works on UPI apps.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

What you'd get back on online shopping

  1. 1. CASHBACK SBI Card

    ₹6,000 a year at 5% · ₹999 annual fee

    Apply nowVia our referral partner. We may earn a commission.

  2. 2. HDFC Bank Millennia Credit Card

    ₹6,000 a year at 5% · ₹1,000 annual fee

    Apply nowVia our referral partner. We may earn a commission.

  3. 3. Swiggy BLCK HDFC Bank Credit Card

    ₹6,000 a year at 5% · ₹1,000 annual fee

    View on HDFC Bank siteIssuer's site. We don't earn from this card.

  4. 4. HDFC Bank PIXEL Play Credit Card

    ₹3,600 a year at 3% · ₹500 annual fee

    Apply nowVia our referral partner. We may earn a commission.

  5. 5. Kotak811 Dream Different Credit Card

    ₹2,400 a year at 2% · no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.

Uses each bank's published rate and monthly cap for this spend. Some merchants and payment types are excluded; see each card's page. Annual fees exclude GST and are often waived above a yearly spend.

Related guides and comparisons

Cashback or reward points: what reaches you

A cashback card pays you money. A points card pays you a currency whose value depends on how you redeem it. Cashback cards pay out in different ways, for example:

  • CASHBACK SBI credits it to the card account within 2 working days of the statement.
  • Flipkart Axis Bank credits it to the card before the next statement, and Axis SUPERMONEY 3 days before the next statement.
  • HSBC Live+ and HSBC RuPay Cashback credit it within 45 days of the statement date.
  • HDFC Millennia pays CashPoints worth ₹1 each against your bill, and Swiggy BLCK HDFC takes its cashback off your card bill.
  • Pixel Play pays CashPoints worth ₹1 each, redeemed in the PayZapp app and valid for 2 years.
  • Roarbank pays money you can withdraw once you have ₹250.
  • The Kiwi cards (YES Bank, PNB) pay Kiwis worth ₹0.25 each, which you move to your UPI-linked bank account in lots of 500 (₹125).

The table above lists every cashback card we compare. With points, the same card can be worth different amounts. SBI reward points are worth ₹0.25 each as statement credit, with a ₹99 fee plus tax per redemption. Jupiter Jewels are worth ₹0.20 on Jupiter's own store but ₹0.14 as statement credit. That's why points cards appear on our other pages, not this one.

How caps and exclusions shrink cashback

The headline rate stops at a cap, and some spends never earn. For example:

  • CASHBACK SBI's 5% online is capped at ₹2,000 a statement cycle, so it stops after ₹40,000 of online spend in that cycle. The 1% offline has its own ₹2,000 cap.
  • Flipkart Axis caps 5% on Flipkart at ₹4,000 a statement quarter (₹80,000 of spend) and 7.5% on Myntra at ₹4,000 a quarter (about ₹53,000).
  • HSBC Live+'s 10% stops at ₹1,200 a month, reached at ₹12,000 of dining, food delivery, grocery, shopping and utility spends, and HSBC RuPay Cashback caps all its cashback at ₹400 a month.
  • Pixel Play's two 5% merchant packs share a cap of 500 CashPoints a month, so only ₹10,000 of pack spend earns 5%; the rest earns 1%.

CASHBACK SBI and Flipkart Axis both exclude fuel, rent, wallet loads, utility bills, insurance, education and jewellery. HSBC Live+ excludes fuel, rent, wallet loads, insurance and education, and adds a 1% fee on rent. Pixel Play excludes fuel, rent, wallet loads, EMI and government payments.

The fee comes off the top too. CASHBACK SBI costs ₹999 a year plus GST, which 5% online cashback covers after about ₹20,000 of online spend, and it's reversed if you spent ₹2 lakh the year before. Flipkart Axis costs ₹500, covered by ₹10,000 of Flipkart spend at 5%.

Which cashback card for where you spend

No single card wins everywhere, so match it to your largest spend. Some examples:

  • UPI scan and pay: the Kiwi cards pay a flat 1.5% and are lifetime free. Axis SUPERMONEY pays 3% through the super.money app, limited each cycle to the cashback you earn on other spends (at least ₹100), and 1% through other UPI apps. CASHBACK SBI is a Visa card, so it can't be used on UPI. Compare every RuPay option on UPI credit cards.
  • Online shopping: CASHBACK SBI pays 5% on most sites; Flipkart Axis pays more on Flipkart, Myntra and Cleartrip; HDFC Millennia and Swiggy BLCK HDFC pay 5% at their listed merchants. HSBC Live+ pays only 1.5% on Amazon, Flipkart and Myntra. More on online shopping cards.
  • Food and groceries: HSBC Live+ and HSBC RuPay Cashback pay 10% on dining, food delivery and groceries, within monthly caps of ₹1,200 and ₹400; Swiggy BLCK HDFC pays 10% on the Swiggy app, up to ₹1,500 a billing cycle.
  • Bills: several cashback cards pay nothing on utilities, including CASHBACK SBI, Flipkart Axis, Axis SUPERMONEY and the Kiwi cards. HSBC Live+ pays 10% on utility bills within its ₹1,200 monthly cap, HDFC Millennia and Swiggy BLCK HDFC pay 1%, and Roarbank pays 1% on utility bills and mobile top-ups but charges 1% once fuel, wallet and utility spends pass ₹5,000 in a month. See bill and rent cards.
  • Fuel: cashback cards generally don't pay on fuel; CASHBACK SBI, Flipkart Axis and HSBC Live+, for example, exclude it. The fuel cards pay in points at specific fuel brands instead.

The table above ranks every cashback card we compare.

Questions people ask

Which cashback card gives the most on online shopping?

Among the cards we compare, the CASHBACK SBI Card from SBI Card is first, at 5% value back on online shopping. Rates are capped on most cards, so check the monthly limit on its page.

Is there a lifetime free option?

Yes: Axis Bank SUPERMONEY RuPay Credit Card, Kiwi RuPay Credit Card (PNB), Kiwi RuPay Credit Card (YES Bank Klick), Roarbank UPI Credit Card (Unity Small Finance Bank). They charge no joining or annual fee on the bank's own terms.

Which of these cards work on UPI?

HDFC Bank PIXEL Play Credit Card, Kotak811 Dream Different Credit Card, Axis Bank SUPERMONEY RuPay Credit Card, Kotak811 super.money Credit Card, HSBC RuPay Cashback Credit Card, Airtel Axis Bank Credit Card, Kiwi RuPay Credit Card (PNB), Kiwi RuPay Credit Card (YES Bank Klick), Roarbank UPI Credit Card (Unity Small Finance Bank). Only RuPay credit cards can be linked to UPI apps, and UPI rewards are often lower than card rewards.

How did you check these numbers?

Every fee, reward rate and eligibility rule comes from the issuing bank's official pages and terms, last verified 20 Oct 2026. Where a bank doesn't publish what a reward point is worth, we leave the rate blank instead of guessing.

When does credit card cashback reach me?

It depends on the card. CASHBACK SBI credits it to the card account within 2 working days of the statement date. Flipkart Axis credits it to the card in the 3 days before the next statement. Roarbank cashback can be withdrawn once it reaches ₹250, Kiwi cashback moves to your bank account in lots of 500 Kiwis (₹125), and Pixel Play CashPoints are redeemed in the PayZapp app.

Is a cashback card with a fee worth it over a free one?

Only if you spend where it pays most. CASHBACK SBI's ₹999 fee (plus GST) is covered by about ₹20,000 of online spend at 5%, and it's reversed at ₹2 lakh of yearly spend. If most of your spending is UPI scan and pay or utility bills, a lifetime-free card such as Kiwi (1.5% on UPI) or Roarbank (1% on utility bills) pays more, because CASHBACK SBI can't be used on UPI and pays nothing on utilities.

Which cashback credit cards pay on utility bills?

Few of them. For example, HSBC Live+ pays 10% on utility bills within its ₹1,200 monthly cap, HDFC Millennia and Swiggy BLCK HDFC pay 1%, and Roarbank pays 1% on utility bills and mobile top-ups. CASHBACK SBI, Flipkart Axis, Axis SUPERMONEY and the Kiwi cards pay nothing on utilities.

Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.