Cashback credit card FAQs
We show the rate every spend earns. The higher advertised rates apply only at named merchants or online, up to a cap each statement cycle. Each card lists its conditions.
Best cashback credit cards
Cashback cards in India pay a percentage back on your spends, usually more at partner merchants or online and up to a cap each statement cycle. Compare the base rate, the caps and the fee after any spend-based waiver.
- Higher cashback at partner merchants
- Cashback credited to your statement
- Annual fee waived on spends on many cards
How much cashback could you earn?
Enter your monthly spend to see each card's estimated first-year cashback, after the annual fee.
Compare 4 cashback credit cards
| Card | Name and rating | Cashback offer | Interest-free days | Annual fee | First-year value | |
|---|---|---|---|---|---|---|
Axis Bank •••• •••• •••• •••• Credit Card Compare | 1% ongoing | Up to 50 | ₹0 | +₹9,000 / yr₹9,000 cashback | ||
HDFC Bank •••• •••• •••• •••• Credit Card Compare | 1% ongoing | Up to 50 | ₹1,000 | +₹8,000 / yr₹9,000 cashback, less ₹1,000 fee | ||
SBI Card •••• •••• •••• •••• Credit Card CompareVisa | 1% ongoing | Up to 50 | ₹999 | +₹8,001 / yr₹9,000 cashback, less ₹999 fee | ||
Kotak Mahindra Bank •••• •••• •••• •••• Credit Card Compare | 0.5% ongoing | Up to 51 | ₹750 | +₹3,750 / yr₹4,500 cashback, less ₹750 fee |
Cashback by the numbers
4
Cards compared
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Highest sign-up cashback
1%
Top ongoing rate
₹687
Average annual fee
How do cashback cards compare?
- Flipkart Axis Bank Credit CardvsCashback SBI Card
- Flipkart Axis Bank Credit CardvsHDFC Bank Millennia Credit Card
- Flipkart Axis Bank Credit CardvsKotak Cashback+ Credit Card
- HDFC Bank Millennia Credit CardvsCashback SBI Card
- HDFC Bank Millennia Credit CardvsKotak Cashback+ Credit Card
- Kotak Cashback+ Credit CardvsCashback SBI Card
Build your own comparison
Choose 2 or 3 cards to compare side by side.
Questions and answers
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Related card types
Sources
- Credit Card Compare
- How CardIQ scores cards