Cashback cards are the simplest way to save: you spend, and a percentage comes straight back to your bill. No points to track, no catalogue to browse, no expiry.
The best one for you depends on where you spend the most — online shopping, a favourite app like Swiggy or Flipkart, or everyday UPI payments. Watch for monthly cashback caps; we list them on every card page.
⚡ High approval🆓 Lifetime free
Roarbank × Unity SFB
RuPay
★ 4.1 / 5
Up to 20% cashback on 2 categories you pick each month
- 🎯Up to 20% back on 2 categories you choose
- 📲2-in-1 with UPI savings + credit in one app
- ⏳62 days interest-free credit
Annual feeLifetime Free
RewardsUp to 20% cashback
Apply Now — it's free →
⚡ High approval
Axis Bank
Flipkart
★ 4.3 / 5
7.5% back on Myntra, 5% on Flipkart — zero joining fee
- 👗7.5% Myntra fashion at a discount
- 🛍️5% Flipkart & Cleartrip
- ♾️4% unlimited on preferred partners
Annual fee₹500/yr
Rewards1% – 7.5% cashback
Apply Now — it's free →
⚡ High approval
SBI Card
Flipkart
★ 4.3 / 5
7.5% on Myntra, 5% on Flipkart, 4% on Zomato & Uber
- 👗7.5% Myntra quarterly cashback
- 🛍️5% Flipkart & Cleartrip
- 🍕4% back Zomato, Uber, PVR, Netmeds
Annual fee₹500/yr
Rewards1% – 7.5% cashback
Apply Now — it's free →
⭐ Top pick
SBI Card
Cashback
★ 4.6 / 5
Flat 5% cashback on online shopping — any website
- ⚡5% online Amazon, Flipkart, Myntra, Blinkit…
- 🏪1% offline on shop & store payments
- 🏦Auto credit no points to redeem
Annual fee₹999/yr
Rewards1% – 5% cashback
Apply Now — it's free →
⭐ Top pick
Axis Bank
Cashback
★ 4.2 / 5
Up to 7% cashback on online spends — the more you spend
- 📈Up to 7% online tiered by monthly spend
- ♾️0.75% unlimited offline & travel
- 🎁₹1,000 welcome in EDGE points
Annual fee₹1,000/yr
Rewards0.75% – 7% cashback
Apply Now — it's free →
⭐ Top pick
Axis Bank
Airtel
★ 3.8 / 5
25% back on Airtel bills + 10% on Zomato & Blinkit
- 📶25% on Airtel bills via Airtel Thanks
- 🍔10% back Zomato, Blinkit & District
- 💡10% on utilities via Airtel Thanks app
Annual fee₹500/yr
Rewards1% – 25% cashback
Apply Now — it's free →
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HDFC Bank
Pixel Play
Visa
HDFC Bank
Pixel Play
★ 4.3 / 5
Pick your own 5% cashback categories every month
- 🎯5% on 2 packs you choose: dining, travel, grocery…
- 🛍️3% on 1 site Amazon, Flipkart or PayZapp
- ♾️1% on rest all other eligible spends
Annual fee₹500/yr
Rewards1% – 5% cashback
Apply Now — it's free →
HDFC Bank
Millennia
★ 4.2 / 5
5% cashback on Amazon, Flipkart, Swiggy, Zomato & more
- 💸5% cashback on 10 popular brands
- 🛒1% cashback on all other spends
- 🎁₹1,000 voucher every ₹1L quarter
Annual fee₹1,000/yr
Rewards1% – 5% cashback
Apply Now — it's free →
HDFC Bank
Swiggy Ornge
Mastercard
HDFC Bank
Swiggy Ornge
★ 4.0 / 5
5% on Swiggy + free Swiggy One for a full year
- 🍔5% on Swiggy Food, Instamart, Dineout
- 🛍️5% online Amazon, Flipkart, Nykaa, Netflix
- 🎉Swiggy One free for 12 months
Annual fee₹500/yr
Rewards1% – 5% cashback
Apply Now — it's free →
HDFC Bank
Pixel Go
★ 4.0 / 5
Simple 1% cashback on everything, including UPI
- ♾️1% unlimited on all eligible spends
- 🛒5% on SmartBuy HDFC's shopping portal
- 📲1% on UPI RuPay variant
Annual fee₹250/yr
Rewards1% – 5% cashback
Apply Now — it's free →
Kotak Mahindra Bank
Cashback+
RuPay
Kotak Mahindra Bank
Cashback+
★ 4.0 / 5
5% back on online groceries & food delivery, 3% on fuel
- 🛒5% back online grocery, food & entertainment
- ⛽3% on fuel + 1% surcharge waiver
- ♾️0.5% unlimited on other spends
Annual fee₹750/yr
Rewards0.5% – 5% cashback
Apply Now — it's free →
HDFC Bank
UPI RuPay
RuPay
HDFC Bank
UPI RuPay
★ 3.8 / 5
Use credit on UPI and earn CashPoints on groceries & dining
- 📲UPI ready scan & pay with credit
- 🛒3% CashPoints grocery, dining & PayZapp
- 💡2% CashPoints on utility bills
Annual fee₹99/yr
Rewards0.25% – 0.75% value back
Apply Now — it's free →
🆓 Lifetime free
AU Small Finance Bank
Altura Plus
Visa
AU Small Finance Bank
Altura Plus
★ 3.8 / 5
1.5% cashback in shops + reward points online
- 🏪1.5% cashback on offline (POS) spends
- 🛒2 pts / ₹100 on online spends
- 🚆Railway lounges complimentary access
Annual feeLifetime Free
Rewards0.5% – 1.5% value back
Apply Now — it's free →
Is cashback better than reward points?
For most people, yes. Cashback is automatic and its value is clear. Reward points can be worth more, but only if you redeem them smartly (usually for flights or hotels).
How is cashback credited?
Most cards adjust cashback directly in your next statement. A few credit it as app wallet balance or vouchers — we mention this on each card page.
Is there a limit on cashback?
Almost always. Many cards cap high-rate cashback per month or per statement. Check the 'Good to know' section on each card.
Which spends usually don't earn cashback?
Rent, fuel, wallet loads, utility bills, insurance and EMI transactions are commonly excluded.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.
