Best cashback credit cards

Online shoppers spending ₹15K–50K/month

First card for online buyers, low entry fee

Bill payments + utilities + fuel — set-and-forget cashback

Heavy Amazon shoppers — best free card in India

Tata ecosystem users — Croma, BigBasket, AirAsia, Westside, Taj

Flipkart loyalists who also use Myntra and Cleartrip

Entry-tier card — easy approval, decent base earning, low fee.

Pure online cashback — 5% on any online merchant, no partner restrictions.

Pick-your-own-categories — toggle 5x on the categories you spend in.

Entry tier alternative — flat 2% on online spends.

First card for salaried; lounge access at modest fee.

Best uncapped 5% online cashback in India for the fee tier.

Lifetime-free with surprisingly strong reward earn rates.

Mid-tier shopping/dining card with solid fee waiver economics.

Heavy Swiggy/Instamart users — 10% on the platform tops anything else.

Entry-level cashback with very low waiver bar.

Gen Z first card — fully digital, instant approval, customizable art.

Lowest-fee credit card from HDFC — utility-only.

Lifetime free entry-tier ICICI card.

Step up from Coral — adds dual-network and milestone rewards.

Fuel-heavy spenders at HPCL pumps.

Step up from SimplyClick with lounge access.

Highest fuel cashback in India — 7.25% effective at BPCL pumps.

Heavy IRCTC train booking users.

Entry-tier with strong entertainment partnerships.

Secured card backed by FD — accessible to thin-credit-file applicants.

India's first customizable card — choose your perks each month.