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.
Best For: Users who pay utility bills and use Google Pay
Annual Fee: ₹499 (waived on spending ₹2 lakh per annum)
Cashback Highlights:
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
Best For: Flipkart, Myntra, and lifestyle shoppers
Annual Fee: ₹500
Cashback Highlights:
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
Best For: Amazon Prime members
Annual Fee: ₹0 (Lifetime Free)
Cashback Highlights:
Why it’s great: No fees or extra charges — just cashback for Amazon loyalists.
Apply for Amazon Pay ICICI 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:
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
Best For: Groceries and bill payments
Annual Fee: ₹750 (waived on ₹1L spend)
Cashback Highlights:
Why it’s great: Clean, simple cashback structure with worldwide acceptance. Also check our top credit cards for online shopping in India.
| Card Name | Best For | Annual Fee | Top Cashback Rate |
|---|---|---|---|
| Axis Ace Card | Bill payments on Google Pay | ₹499 | 5% |
| Flipkart Axis Card | Flipkart & Myntra | ₹500 | 5% |
| Amazon Pay ICICI | Amazon + No fee | ₹0 | 5% (Prime only) |
| HDFC Millennia | Multi-platform online spenders | ₹1,000 | 5% |
| HSBC Cashback Card | Grocery & offline spenders | ₹750 | 1.5% |
