Best Cashback Credit Cards in India 2026

Benefits of Cashback Credit Cards

The following benefits are offered to you if you use cashback credit cards:

• Save instantly on all your expenses
• Enjoy extra perks and benefits
• Earn bonus cashback 
• Best for everyday purchases
• Easy redemption process

List of Best Cashback Credit Cards in India 2026

The following is a list of the best cashback credit cards in India 2026 that you could consider applying for:

Swiggy HDFC Bank Credit Card

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
• Best Suited For: Dining | Food
• Rewards Type: Cashback

Rewards Rate

• Receive 10% cashback on all Swiggy platform spends
• In the event of losing your card, enjoy zero card loss liability 
• Receive 5% cashback on all online purchases
• Receive 1% cash back on other expenses
• Complimentary 12 golf lessons yearly

Welcome Benefits

• Get 3 months of SwiggyOne membership for free

Flipkart Axis Bank Credit Card

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
• Best Suited For: Shopping
• Rewards Type: Cashback

Rewards Rate 

• Receive 500 Rs worth of Flipkart vouchers on the first transaction
• Get up to Rs 100 on the first Swiggy order
• Get 4 domestic lounge access yearly
• Amazing offers every Wednesday on shopping, travel, and other categories
• Convert expenses of Rs 2500 or above into easy EMIs
• Get up to Rs 500 on dining across India
• Exempt from the annual fee by spending Rs 3,50,000 or more yearly
• Receive 4% cashback on expenses with partnered brands
• 5% cash back on purchases made on Flipkart and Cleartrip  

Welcome Benefits

Benefits Worth ₹350 on Card Issuance

Cashback SBI Credit Card

• Joining Fee: ₹999 + GST
• Annual Fee: ₹999 + GST
• Best Suited For: Shopping | Food
• Rewards Type: Cashback

Rewards Rate 

• Get 5% cashback on online expenses
• Get 1% cash back on offline expenses
• Waive off the annual fee by spending 2,00,000 or more annually
• Get a 1% fuel surcharge across India on all petrol payments

Welcome Benefits 

N/A

HDFC Bank Millennia Credit Card

• Joining Fee: ₹1,000 + GST
• Annual Fee: ₹1,000 + GST
• Best Suited For: Shopping
• Rewards Type: Cashback

Rewards Rate  

• 5% CashBack on purchases at leading e-commerce brands like Amazon, BookMyShow, Myntra
• 1% cash back on other categories
• 50-day interest-free period
• A maximum of 20% discount on dining via Swiggy Dine Out
• Spend Rs. 4 lakh or more annually and waive the annual fee. Additionally, receive gift vouchers also.

Welcome Benefits

1000 Bonus CashPoints

Airtel Axis Credit Card

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
• Best Suited For: Travel | Food
• Rewards Type: Cashback

Rewards Rate 

• Receive 25% cashback on making transactions on the Airtel Thanks app
• Receive 10% cashback for utility bill payments on the Airtel Thanks app
• Receive 10% cashback when you use partner apps to make purchases
• Receive 1% cash back on other retail expenses
• Receive up to 20% off on dining at partner restaurants across India
• Get 4 domestic airport lounge access yearly
• 1% fuel surcharge exemption
• Waive off the annual fee by spending Rs 2 lakh or more

Welcome Benefits

Amazon Voucher Gift Rs. 500.

Amazon Pay ICICI Bank Credit Card

• Joining Fee: Lifetime Free
• Annual Fee: Lifetime Free
• Best Suited For: Travel | Shopping
• Rewards Type: Cashback

Rewards Rate 

• Suitable for shopping
• Lifetime free credit card
• Amazon Prime members get 5% cash back on purchases
• Non-Amazon Prime members get 3% cash back on purchases
• 1% cashback on all offline and online transactions (except fuel)
• 5% off on hotel and flight bookings
• Get at least 15% off on selected restaurants’ dining
• 3 months of Prime membership are free upon joining

Welcome Benefits 

• Cashback and discounts up to Rs.. 2000 as a welcome benefit

Axis Bank Cashback Credit Card

• Joining Fee: ₹1,000 + GST
• Annual Fee: ₹1,000 + GST
• Best Suited For: Shopping
• Rewards Type: Cashback

Rewards Rate

• Receive 7% cashback on online expenses
• Receive 0.75% on offline and travel expenses
• Receive 0.5% on utility bill payments
• Get up to 20% off on dining monthly (minimum transaction should be Rs. 2500)

Welcome Benefits

• Get 5,000 EDGE Reward Points on the first transaction

Brand Compatibility

Eligibility & Documents

• Age: 21-60 salaried, up to 65 self-employed.
• Income: ₹15k+ entry (₹20k preferred); ₹40k+ mid; ₹1L+ premium (₹3-6L annual self-employed).
• Credit Score: 750+.
• Docs: PAN, Aadhaar, 3-month salary slips/ITR, address proof (bank statement/utility). Check pre-approval on the Website.​

Why you should select these cards

Conclusion

Cashback credit cards offer additional bonuses and perks, along with immediate savings on all purchases. They are perfect for regular purchases because they provide a hassle-free redemption process and additional cashback, making your purchase more cost-effective and satisfying. 

Nevertheless, these advantages are available only if you have selected the appropriate cashback credit card. Examine your lifestyle and spending patterns before selecting the card that best suits your needs.

Frequently Asked Questions (FAQ)

How can I maximise cashback on my credit card?

To maximise cashback, you have to spend more; the more you spend, the more you’ll earn. Also, if you want to save more on your spending, start paying for your day-to-day expenses with your cashback credit card. 

Which is the best cashback credit card in India?

The top cashback credit cards in India are listed above. All of the credit cards on this list are great options for cashback, ranging from basic to premium. For you, though, the ideal card is the one that best suits your lifestyle and income.

Will my cashback expire if I don’t use it for a long period?

No, cashback earned via cashback credit cards does not have an expiration date or duration. Nonetheless, we recommend reviewing your bank card’s terms and conditions.