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Best Cash Back Credit Cards in India (2026)

Best Cash Back Credit Cards in India (2026)

April 18, 2025

Cash back credit cards remain a popular choice for users who spend through their card on online shopping platforms and other POS transactions. Here’s a curated list of the best cash back credit cards in India for 2026.

How to Choose the Best Cash Back Credit Card

  • Check your spending habits: Online shopper? Utility payer? Pick accordingly.
  • Look at cashback limits & categories: Some cards cap cashback per category.
  • Mind the annual fee: Go for waiver options if you can meet the spend requirement, to make the card effectively free.
  • Always read the terms and conditions: Cashback exclusions, processing timelines, etc.

1. Axis Bank Ace Credit Card

Best For: Users who pay utility bills and use Google Pay
Annual Fee: ₹499 (waived on spending ₹2 lakh per annum)
Cashback Highlights:

  • 5% cashback on bill payments via Google Pay
  • 4% cashback on Swiggy, Zomato, Ola
  • 2% cashback on all other spends

Why it’s great: Very useful for people who regularly pay bills and recharge via Google Pay — combines utility savings with everyday use.

Apply for Axis Bank Ace Card

2. Flipkart Axis Bank Credit Card

Best For: Flipkart, Myntra, and lifestyle shoppers
Annual Fee: ₹500
Cashback Highlights:

  • 5% cashback on Flipkart & Myntra
  • 4% on partner merchants like Swiggy, Uber
  • 1.5% on all other transactions

Why it’s great: If you’re a regular Flipkart or Myntra shopper, this card pays for itself within the first few purchases.

Apply for Flipkart Axis Bank Credit Card

3. Amazon Pay ICICI Credit Card

Best For: Amazon Prime members
Annual Fee: ₹0 (Lifetime Free)
Cashback Highlights:

  • 5% cashback on Amazon for Prime users
  • 3% on Amazon for non-Prime
  • 1% on other spends
  • Cashback credited directly to Amazon Pay balance

Why it’s great: No fees or extra charges — just cashback for Amazon loyalists.

Apply for Amazon Pay ICICI Credit Card

4. HDFC Millennia Credit Card

Best For: Users who spend across multiple apps and online shopping
Annual Fee: ₹1,000 (waived on spending ₹1L or more)
Cashback Highlights:

  • 5% cashback on Amazon, Flipkart, Swiggy, Zomato
  • 1% on all other spends
  • Complimentary lounge access, domestic and international

Why it’s great: A solid all-rounder for urban users who spread their expenses across multiple online platforms.

Apply for HDFC Millennia Credit Card

5. HSBC Cashback Credit Card

Best For: Groceries and bill payments
Annual Fee: ₹750 (waived on ₹1L spend)
Cashback Highlights:

  • 1.5% cashback on online spends
  • 1% cashback on all other domestic spends
  • Fuel surcharge waiver

Why it’s great: Clean, simple cashback structure with worldwide acceptance. Also check our top credit cards for online shopping in India.

Quick Comparison

Card NameBest ForAnnual FeeTop Cashback Rate
Axis Ace CardBill payments on Google Pay₹4995%
Flipkart Axis CardFlipkart & Myntra₹5005%
Amazon Pay ICICIAmazon + No fee₹05% (Prime only)
HDFC MillenniaMulti-platform online spenders₹1,0005%
HSBC Cashback CardGrocery & offline spenders₹7501.5%

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