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.

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.

A simple first card with flat 1% back, run from the PayZapp app.

Tata Neu shoppers who want the NeuCoins without the Infinity fee.

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.

Entry-tier with strong entertainment partnerships.

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

Set-it-and-forget-it 2% on everything

No-fee everyday card; pairs perfectly with Sapphire Preferred

Rotating-category optimizers; first card for thin-credit-file applicants

No-fee travel, 1.5x flat with no FX markup, plus Preferred Rewards bumps

Suburban families with kids, best US-supermarket card.

No-fee rotating cashback for category optimizers.

No-fee, no-thinking 1.5% on everything.

Auto-detects your top spend category each cycle, set-and-forget.

No-fee 2% flat, competitive with Citi Double Cash.

Apple ecosystem users, daily cashback, instant in Wallet.

No-fee Amex with 3% supermarket, Blue Cash Preferred minus the fee.

No-fee small-business card, 5% on office supplies, internet, cable.

High-spend small business, 2% flat with $1,200 welcome.

21-month 0% intro APR, best balance-transfer card on the market.

Choose your 3% category each month, no rotation needed.

5% on 2 chosen categories + 2% on 1 chosen, fully customizable.

Simple cashback in the UK with no annual fee.

Spending abroad from the UK with no foreign transaction fees.