Best cashback credit cards in India

5% cashback on almost all online spends (no merchant tie-in), auto-credited.

• 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
• 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
• Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more

Reward rate

5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle)

Annual fee

₹999 + GST (waived on ₹2L annual spend)

Eligibility

Approx 21–70 yrs; salaried/self-employed with stable income

5% back on Amazon for Prime members (3% non-Prime), with no annual fee, ever.

• Lifetime-free — no joining or annual fee, ever
• 5% on Amazon (Prime) / 3% (non-Prime), 2% at Amazon Pay partners, 1% on the rest
• No reward cap; cashback credited as Amazon Pay balance

Reward rate

5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap

Annual fee

Nil — lifetime-free

Eligibility

21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based)

5% on Flipkart & Cleartrip, 7.5% on Myntra, 4% on Swiggy/Uber/PVR/Cult.fit.

• 5% cashback on Flipkart & Cleartrip, 7.5% on Myntra (each cap ₹4,000/quarter)
• 4% unlimited on Swiggy, Uber, PVR & Cult.fit; 1% on other eligible spends
• Annual fee waived on ₹3.5L annual spend

Reward rate

5% Flipkart/Cleartrip, 7.5% Myntra (capped); 4% partners; 1% else

Annual fee

₹500 + GST (waived on ₹3.5L annual spend)

Eligibility

18–70 yrs; ≈₹15,000+/mo (aggregator-sourced)

Up to 10X reward points, points that never expire — and no annual fee, ever.

• Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
• 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
• Reward points never expire

Reward rate

3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire

Annual fee

Nil — lifetime-free

Eligibility

Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced)

10X Reward Points on online spends with partner brands (Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Swiggy, Yatra, etc.), capped at 10,000 RP per month.

• 10X Reward Points on partner-brand online spends and 5X on all other online spends (combined cap 10,000 RP/month); 1 RP = ₹0.25
• Welcome Amazon e-gift card worth ₹500 on joining; Cleartrip/Yatra e-voucher worth ₹2,000 each on ₹1L and ₹2L annual online spend milestones
• 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 (max ₹100 per month)

Reward rate

10 RP/₹100 on partner-brand online spends, 5 RP/₹100 on other online spends (combined cap 10,000 RP/month), 1 RP/₹100 on all other spends; 1 RP = ₹0.25

Annual fee

₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)

Eligibility

Age approx 18-65 (some aggregators say 21-70); salaried or self-employed with regular income, approx ₹20,000/month minimum

10X Reward Points (10 RP per ₹150) on dining, movies, groceries and departmental store spends — effective ~1.7% reward value

• 10 RP per ₹150 on dining, movies, groceries and departmental stores (1 RP = ₹0.25, i.e. ~1.7%); 1 RP per ₹150 elsewhere
• Welcome bonus of 2,000 Reward Points on spending ₹2,000 within 60 days of issuance
• 1% fuel surcharge waiver on transactions of ₹500-3,000 (capped at ₹100 per statement cycle)

Reward rate

10 RP per ₹150 on dining/movies/groceries/departmental stores (~1.7%); 1 RP per ₹150 on other spends (~0.17%); 1 RP = ₹0.25

Annual fee

₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)

Eligibility

Age approx 21-70 years (salaried and self-employed); minimum income approx ₹20,000/month (aggregator-sourced)

10 Reward Points per ₹100 on dining, groceries, movies and departmental stores (1 RP = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.

• 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
• 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
• Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend

Reward rate

10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month)

Annual fee

₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend)

Eligibility

Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx)

20 reward points per ₹100 on grocery spends (capped at 1,000 RP/month, i.e. ~₹250/month value at 1 RP = ₹0.25)

• 20 RP per ₹100 on grocery (cap 1,000 RP/month); 1 RP per ₹100 on other spends
• 1% fuel surcharge waiver on transactions ₹500-₹4,000 (max ₹100/month)
• 10% off on BookMyShow movie tickets (max ₹100, up to 15 times/year) + 2,000 RP welcome bonus on first txn within 30 days

Reward rate

20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25

Annual fee

Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend)

Eligibility

Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income)

7.5% cashback on Myntra and 5% on Flipkart and Cleartrip (each category cap ₹4,000 per quarter)

• 7.5% cashback on Myntra and 5% on Flipkart/Cleartrip - each category has its own separate cap of ₹4,000/quarter
• 4% cashback on partner merchants - Uber, Zomato, Netmeds, PVR (own ₹4,000/quarter cap); 1% on all other spends (uncapped)
• 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000 (max ₹400/statement cycle); no lounge access

Reward rate

7.5% cashback on Myntra; 5% on Flipkart and Cleartrip; 4% on partner merchants (Uber/Zomato/Netmeds/PVR); 1% on all other eligible spends (uncapped). Each accelerated category has its OWN separate cashback cap of ₹4,000 per quarter (not a shared cap) - i.e. Myntra up to ₹4,000/qtr, Flipkart up to ₹4,000/qtr, Cleartrip up to ₹4,000/qtr, partner merchants up to ₹4,000/qtr. Cashback auto-credited as statement credit (within ~15 days of the statement cycle), no points/redemption.

Annual fee

₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend)

Eligibility

Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced)

10% cashback on Zomato, Uber and Myntra, capped at ₹300 per brand and ₹900 total per calendar month (min ₹100/txn).

• 10% cashback on Zomato, Uber and Myntra (cap ₹300/brand, ₹900/month total)
• 10% instant discount up to ₹300/month on BookMyShow movie tickets (once a month)
• Fuel surcharge waiver on fuel spends ₹500-4,000 (cap ₹150/month)

Reward rate

5 Reward Points per ₹100 online, 1 RP per ₹100 offline on eligible categories; 1 RP = approx ₹0.20-0.25 (official page states up to ₹0.20, aggregators cite ₹0.25); ₹99 + GST redemption fee.

Annual fee

₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month.

Eligibility

Approx age 21-65; salaried or self-employed with a good credit score (income not officially specified; PAN + Aadhaar required).

2 complimentary movie/non-movie tickets (up to ₹250 each, so up to ₹500/month) on spending ₹5,000 in a billing cycle.

• 2 free BookMyShow tickets up to ₹250 each on ₹5,000 monthly spend (excludes fuel, rent, wallet, insurance, utilities, govt)
• ₹500 welcome benefit on BookMyShow + ₹100 off F&B with movie bookings
• 1% fuel surcharge waiver on transactions of ₹500-4,000 (cap ₹100/month)

Reward rate

No general cashback/reward points; benefit is 2 BookMyShow tickets worth up to ₹250 each per month (up to ₹500) on ₹5,000 monthly spend, plus ₹100 F&B discount on movie bookings.

Annual fee

₹500 + GST joining and annual fee (annual fee waived on ₹1.5 lakh annual spend; free for BookMyShow SuperStar members).

Eligibility

Min age 21 (18 for add-on); stable income required, approx ₹25,000/month net for salaried or ₹3 lakh/year for self-employed (income figures aggregator-sourced, approx).

Lifetime-free card earning 4 reward points per ₹100 (8X the 0.5 RP base) on your chosen plan category

• 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
• 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
• No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh

Reward rate

4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle

Annual fee

₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed)

Eligibility

Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published

3 reward points per ₹100 (3X base) on UPI, contactless and Pay-by-3 merchant spends; 1 RP per ₹100 on other spends.

• 3 RP/₹100 on UPI, contactless and Pay-by-3 EMI merchant spends; 1 RP/₹100 on other eligible spends (no rewards on rent, wallet loads, fuel or government spends)
• ₹500 + GST joining/annual fee, waivable on ≈₹1.2 lakh annual spend (issuer figure); often issued with the first-year fee waived
• 1% fuel surcharge waiver on fuel transactions of ₹500 to ₹3,000, capped at ₹100 per statement cycle; Pay-by-3 lets you split select-merchant purchases into 3-month low-cost EMIs

Reward rate

3 RP/₹100 on UPI, contactless and Pay-by-3 spends; 1 RP/₹100 on other spends; 1 RP = ₹0.15 (vouchers/products/travel) or ₹0.10 (cashback/Insta Redemption).

Annual fee

₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer)

Eligibility

Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced.

10 POPcoins per ₹100 on online spends (1 POPcoin = up to ₹1), plus 5% instant POPcoins on POP UPI payments

• 10 POPcoins/₹100 on online spends and 2 POPcoins/₹100 offline; 5% instant POPcoins on POP UPI (1 POPcoin = up to ₹1)
• Welcome benefits worth ~₹5,000 (500 POPcoins, ₹750 Cleartrip voucher, 3-mo Zomato Gold, 6-mo PharmEasy Plus, Blinkit/Rapido perks)
• 1% fuel surcharge waiver (transactions up to ₹10,000); 1,500 POPcoins milestone on ₹1.5L annual spend

Reward rate

10 POPcoins/₹100 online; 2 POPcoins/₹100 offline; +5% POPcoins on POP UPI; 1 POPcoin = up to ₹1 (redeemed as deals/discounts in POPclub app); POPcoins valid 365 days

Annual fee

Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.

Eligibility

Age 21-60; salaried min approx ₹25,000/month or self-employed approx ₹7.5L annual ITR (aggregator-sourced); new YES Bank credit-card customers only