Looking for the highest cashback credit card in India? In this guide, we compare the top 10 cashback credit cards in India for 2026, including SBI Cashback Credit Card, BoB Cashback Credit Card, and other leading options. Discover cashback rates, annual fees, rewards, eligibility, and key benefits to find the best card for online shopping, bill payments, and everyday spending.
Cashback credit cards have become one of the easiest ways to save money on everyday spending. Whether you shop on Amazon, Flipkart, Swiggy, Zomato, or pay electricity bills online, a good cashback credit card can help you earn rewards on almost every transaction.
In 2026, banks are offering attractive cashback programs to attract new customers. Some cards provide up to 10% cashback on selected categories, while others offer a flat cashback rate on most online purchases.
If you are wondering which credit card gives maximum cashback in India, this article will help you compare the top options based on cashback rates, annual fees, benefits, and overall value.
Affiliate Disclosure: This article may contain affiliate links. If you apply through these links, we may earn a commission at no additional cost to you.
Top Cashback Credit Cards in India 2026: Quick Comparison
| Credit Card | Best For | Cashback Rate | Annual Fee |
|---|---|---|---|
| SBI Cashback Credit Card | Online Shopping | Up to 5% | ₹999 |
| HDFC Millennia Credit Card | Online Shopping & Everyday Spending | Up to 5% | ₹1,000 |
| BoB Cashback Credit Card | Online Transactions | Up to 5% | ₹499 |
| Flipkart Axis Bank Credit Card | Flipkart, Myntra & Partner Merchants | Up to 7.5% | ₹500 |
| Swiggy BLCK HDFC Bank Credit Card | Food Delivery, Dining & Online Shopping | Up to 10% | ₹1,000 |
| Axis Ace Credit Card | Utility Bills & Offline Spending | Up to 5% | ₹499 |
| Kotak Cashback Plus Credit Card | Groceries, Entertainment & Fuel | Up to 5% | ₹750 |
| Tata Neu HDFC Bank Credit Card | Tata Ecosystem & UPI Payments | Up to 10% NeuCoins* | ₹499–₹1,499 |
| Uni GoldX Credit Card | Digital Gold Rewards & Travel | Up to 7% Rewards | Lifetime Free |
| Kiwi Credit Card | UPI Payments & Everyday Spending | Up to 2% Cashback** | Lifetime Free |
* NeuCoins are redeemable across Tata brands and are not direct cashback.
** Up to 2% cashback available with Kiwi Neon membership; standard cashback rates may vary.
Apply Now: SBI Cashback Credit Card | HDFC Millennia Credit Card | Axis Ace Credit Card | BoB Cashback Credit Card | HDFC Swiggy BLCK Credit Card
1. SBI Cashback Credit Card
- Joining Fee: ₹999 + applicable taxes
- Annual/Renewal Fee: ₹999 + applicable taxes
- Annual Fee Waiver: Spend ₹2 lakh or more in a card anniversary year to get the renewal fee waived.
Key Highlights
- Earn 5% cashback on eligible online spends across most merchants without brand restrictions.
- Get 1% cashback on eligible offline purchases.
- Cashback is automatically credited to your SBI Card account after statement generation.
- 1% fuel surcharge waiver on eligible fuel transactions.
- One of the best cashback credit cards in India for frequent online shoppers.
Best For
People who spend heavily on online shopping, food delivery, travel bookings, and digital purchases and want simple, direct cashback instead of reward points.
2. HDFC Millennia Credit Card
Joining Fee: ₹1,000 + taxes
Annual Fee: ₹1,000 + taxes (waived on annual spends of ₹1 lakh or more)
Key Highlights
- Earn 5% cashback on selected online brands such as Amazon, Flipkart, Myntra, Swiggy, and Zomato
- Earn 1% cashback on all other eligible spends
- Welcome benefits worth ₹1,000
- Fuel surcharge waiver on eligible transactions
Best For
Online shoppers, young professionals, and users looking for a cashback credit card with rewards on popular online purchases and everyday spending.
3. BoB Cashback Credit Card
Joining Fee: ₹499 + taxes
Annual Fee: ₹499 + taxes
Key Highlights
- Earn 5% cashback on eligible domestic online spends (up to ₹1,500 per month)
- Earn unlimited 1% cashback on all other eligible spends
- Cashback is automatically credited to the card statement every month
- 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000
- Free add-on cards for family members
- Contactless payments and Smart EMI facility available
Best For
Online shoppers looking for an affordable cashback credit card with direct cashback benefits and automatic statement crediting.
4. Flipkart Axis Bank Credit Card
Joining Fee: ₹500 + taxes
Annual Fee: ₹500 + taxes (waived on annual spends of ₹3.5 lakh or more)
Key Highlights
- Earn 7.5% cashback on Myntra purchases
- Earn 5% cashback on Flipkart and Cleartrip spends
- Earn 4% cashback on preferred merchants such as Swiggy, Uber, and PVR
- Earn 1% cashback on all other eligible spends
- Cashback is directly credited to the credit card statement
- Welcome benefits worth up to ₹350 on card activation
- Fuel surcharge waiver on eligible fuel transactions
Best For
Flipkart and Myntra shoppers looking for a cashback credit card with rewards on online shopping, travel bookings, food delivery, and everyday spending.
5. Swiggy BLCK HDFC Bank Credit Card
Joining Fee: ₹1,000 + taxes (waived on spending ₹75,000 within the first 90 days)
Annual Fee: ₹1,000 + taxes (waived on annual spends of ₹2 lakh or more)
Key Highlights
- Earn 10% cashback on eligible Swiggy transactions, including Food, Instamart, and Dineout.
- Earn 5% cashback on select online merchants and categories.
- Earn 1% cashback on other eligible spends.
- Complimentary 3-month Swiggy BLCK Membership as a welcome benefit.
- Cashback is automatically credited as statement credit.
- Contactless payments, SmartEMI facility, and golf benefits available.
Best For
Frequent Swiggy users, online shoppers, and high-spending professionals looking for premium cashback benefits on food delivery, grocery purchases, dining, and online transactions.
6. Axis Ace Credit Card
Joining Fee: ₹499 + taxes
Annual Fee: ₹499 + taxes (waived on annual spends of ₹2 lakh or more)
Key Highlights
- Earn 5% cashback on utility bill payments, mobile recharges, and DTH payments via Google Pay
- Earn 4% cashback on Swiggy, Zomato, and Ola transactions
- Earn 1.5% cashback on all other eligible spends
- Complimentary domestic airport lounge access (4 visits per year)
- 1% fuel surcharge waiver on eligible fuel transactions
- Up to 15% discount at partner restaurants through Axis Bank Dining Delights
Best For
Users looking for one of the best cashback credit cards for offline spends, utility bill payments, food delivery, and everyday purchases.
7. Kotak Cashback Plus Credit Card
Joining Fee: ₹750 + taxes
Annual Fee: ₹750 + taxes (Waived on annual retail spends of ₹2 lakh or more)
Key Highlights
- Earn 5% cashback on online food delivery, grocery, and entertainment spends.
- Earn 3% cashback on fuel transactions across fuel stations.
- Earn 0.5% unlimited cashback on all other eligible spends.
- RuPay variant offers 0.5% cashback on eligible UPI spends.
- Get 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000.
- Cashback can be redeemed at 1 Reward Point = ₹1 cashback.
Best For
Users who frequently spend on Swiggy, Zomato, Blinkit, BigBasket, OTT subscriptions, movie tickets, and fuel purchases and want a simple cashback credit card with rewards on everyday spending.
8. Tata Neu HDFC Bank Credit Card
Joining Fee: ₹499 + taxes (Plus Variant) / ₹1,499 + taxes (Infinity Variant)
Annual Fee: ₹499 + taxes (Plus Variant) / ₹1,499 + taxes (Infinity Variant)
Key Highlights
- Earn NeuCoins on purchases across Tata brands including BigBasket, Croma, Tata 1mg, Air India, and Westside
- Additional NeuCoins on spends made through the Tata Neu app
- UPI-enabled RuPay credit card for everyday payments
- Complimentary domestic lounge access (variant-based)
- Fuel surcharge waiver on eligible fuel transactions
Best For
Users who frequently shop within the Tata ecosystem and want to earn NeuCoins on daily spending, UPI payments, travel, groceries, and lifestyle purchases.
9. Uni GoldX Credit Card
Joining Fee: Nil
Annual Fee: Nil (Lifetime Free)
Key Highlights
- Earn unlimited 1% rewards as 24K Digital Gold on eligible spends
- Earn up to 7% rewards on flight bookings through the Uni Store
- Earn up to 5% rewards on shopping, food, and grocery vouchers via the Uni Store
- Zero forex markup fee on international transactions
- Earn rewards on UPI payments with the RuPay variant
- Rewards can be converted into 24K Digital Gold and do not expire
Best For
Tech-savvy users, frequent travelers, and online shoppers looking for a lifetime-free credit card with gold-backed rewards and zero forex markup.
10. Kiwi Credit Card
Joining Fee: Nil
Annual Fee: Nil (Lifetime Free)
Key Highlights
- Earn 1.5% cashback on eligible UPI Scan & Pay transactions.
- Earn 0.5% cashback on eligible online card transactions.
- Lifetime free credit card with zero joining and annual fees.
- RuPay credit card that can be linked to UPI for QR-code payments.
- 1% fuel surcharge waiver on eligible fuel transactions.
- With Kiwi Neon Membership, users can earn up to 2% cashback on UPI payments, up to 5% rewards on annual spends above ₹1.5 lakh, and airport lounge benefits.
Best For
Users who make frequent UPI payments at grocery stores, restaurants, local shops, and daily merchants and want a lifetime-free cashback credit card for everyday spending.
How to Choose the Best Cashback Credit Card in India
Before applying for any cashback credit card, it is important to match the card with your spending habits, fee structure, and reward system. Based on the top 10 cashback credit cards in India (2026), here’s how you should choose the right one:
1. Based on Spending Pattern
Select your card depending on where you spend the most:
- Online shopping (all platforms) → SBI Cashback Credit Card, HDFC Millennia Credit Card
- Flipkart & Myntra shopping → Flipkart Axis Bank Credit Card
- Food delivery & groceries (Swiggy ecosystem) → Swiggy BLCK HDFC Bank Credit Card
- Utility bills & UPI payments → Axis Ace Credit Card, Kiwi Credit Card
- Tata ecosystem shopping → Tata Neu HDFC Bank Credit Card
- Fuel, groceries & entertainment → Kotak Cashback Plus Credit Card
- Digital gold rewards & travel bookings → Uni GoldX Credit Card
- Online transactions (budget option) → BoB Cashback Credit Card
- All-round everyday use (offline + online mix) → HDFC Millennia Credit Card
2. Based on Annual Fee
- Lifetime free options → Kiwi Credit Card, Uni GoldX Credit Card
- Low fee cashback cards → BoB Cashback Credit Card, Axis Ace Credit Card, Kotak Cashback Plus Credit Card
- Premium cashback cards → Swiggy BLCK HDFC Bank Credit Card, SBI Cashback Credit Card
3. Based on Cashback Structure
- Flat cashback on most online spends → SBI Cashback Credit Card, BoB Cashback Credit Card
- Category-based cashback (food, grocery, fuel, bills) → Axis Ace, Kotak Cashback Plus, Swiggy BLCK
- Merchant-specific cashback → Flipkart Axis Bank Credit Card, Tata Neu HDFC Bank Credit Card
- Reward/UPI-based cashback system → Kiwi Credit Card, Uni GoldX Credit Card
4. Based on Cashback Limits & Value
Always check:
- Monthly cashback caps (important for SBI Cashback, BoB Cashback)
- Category-wise limits (Swiggy, Flipkart, Kotak)
- Reward conversion value (NeuCoins, gold rewards, etc.)
5. Based on Redemption Type
- Direct cashback (statement credit) → SBI Cashback, BoB Cashback, Axis Ace
- Partner rewards (coins/points) → Tata Neu Credit Card, HDFC Millennia
- Reward conversion systems → Uni GoldX (digital gold), Kiwi (UPI rewards)
Also read: Top 5 Best Domestic Travel Credit Cards in India for 2026
Eligibility Criteria for Cashback Credit Cards in India
While eligibility requirements may vary slightly from bank to bank, most cashback credit cards in India have the following criteria:
- Age: 18 to 65 years
- Indian resident or eligible NRI (depending on the card issuer)
- Salaried or self-employed individual
- Stable source of income
- Good credit score (750+ recommended)
- Valid KYC documents
Documents Required
To apply for any of the cashback credit cards listed above, you typically need:
- PAN Card
- Aadhaar Card, Passport, Voter ID, or Driving Licence (Address Proof)
- Recent Passport-size Photograph (if required)
- Salary Slips (last 2–3 months) for salaried applicants
- Bank Statements (last 3–6 months)
- Income Tax Returns (ITR) for self-employed applicants
Which Credit Card Gives Maximum Cashback in India?
For most users, the SBI Cashback Credit Card remains one of the best cashback credit cards in India due to its simple cashback structure and unrestricted 5% cashback on eligible online purchases across most merchants.
However, the best cashback credit card depends on your spending habits:
- SBI Cashback Credit Card – Best for online shopping, food delivery, travel bookings, and digital purchases.
- Swiggy BLCK HDFC Bank Credit Card – Ideal for frequent Swiggy users, offering up to 10% cashback on food delivery, groceries, and dining.
- Flipkart Axis Bank Credit Card – Great for Flipkart, Myntra, and partner merchant purchases.
- HDFC Millennia Credit Card – A strong all-rounder for online shopping across Amazon, Flipkart, Swiggy, and other popular brands.
- Axis Ace Credit Card – One of the best cashback credit cards for utility bill payments and everyday offline spending.
- Kotak Cashback Plus Credit Card – Suitable for groceries, entertainment, food delivery, and fuel purchases.
- Tata Neu HDFC Bank Credit Card – Best for users who frequently shop within the Tata ecosystem and want to earn NeuCoins.
- Kiwi Credit Card – An excellent choice for users who make most of their payments through UPI.
- Uni GoldX Credit Card – Ideal for travelers and users looking for lifetime-free rewards with zero forex markup.
Ultimately, the highest cashback credit card in India is the one that matches your spending pattern and helps you maximize rewards on your most frequent purchases.
Conclusion
Cashback credit cards are one of the simplest ways to save money on everyday expenses. Whether you shop online, order food, pay utility bills, or buy groceries, the right card can help you earn valuable cashback throughout the year.
If you want the highest cashback credit card in India for online purchases, SBI Cashback Credit Card remains a leading option.
Before applying, compare cashback rates, annual fees, spending categories, and reward structures to choose the card that best matches your lifestyle and financial goals.
Affiliate Disclosure: Some links in this article may be affiliate links. If you apply for a credit card or purchase a product through these links, we may earn a commission at no additional cost to you. This helps support our work and allows us to continue providing free, high-quality content. Our recommendations are based on independent research and analysis, and we only recommend products that we believe can provide value to our readers.
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Frequently Asked Questions (FAQs)
1. Which is the highest cashback credit card in India in 2026?
SBI Cashback Credit Card is widely considered the highest cashback credit card in India, offering up to 5% cashback on most online spends.
2. Which card gives 10% cashback?
As per the table, Swiggy BLCK HDFC Bank Credit Card offers up to 10% cashback on Swiggy-related spends.
3. Which is the best cashback credit card in india?
The SBI Cashback Credit Card is widely considered the best cashback credit card in India in 2026, offering up to 5% cashback on eligible online purchases.
4. What is the best cashback credit card with no annual fee?
Kiwi Credit Card and Uni GoldX Credit Card are among the best lifetime-free cashback and rewards credit cards in India.
5. Which is better cash back or reward points?
For most users, cashback is better than reward points because it offers direct, easy-to-understand savings without complex redemption rules.
6. Which is the best cashback credit card for offline spends in india?
Axis Ace Credit Card is a strong option for offline spending categories.
7. Which card gives unlimited cashback?
No credit card offers truly unlimited cashback in India, but SBI Cashback Credit Card provides one of the highest uncapped earning potentials on eligible online spends.
About Author
Written by Sujeet Kumar, founder of SujeetFinanceHub, where readers learn about personal finance, credit cards, investing, insurance, loans, and government schemes in simple and easy-to-understand language.