Best Cashback Credit Cards in India (2026)

Delivers an uncapped 5% statement cashback on Amazon for Prime members and 1% on general retail with no minimum spend threshold. It eliminates point conversion hurdles and redemption fees by settling savings directly into the monthly credit bill. The main drawback is that accelerated earning is exclusive to the Amazon platform, while utility, fuel, and wallet transactions are excluded from cashback.

Provides a strong 10% direct statement cashback on Samsung smartphones, electronics, and service centers alongside key partner merchants. Its ₹2,500 monthly cashback ceiling gives it meaningful headroom for electronics purchases compared to entry-level cards. However, the card carries a ₹500 annual fee and the 10% rate does not extend to general e-commerce platforms.

Delivers structured 10% valueback across curated partner merchants with a ₹2,000 monthly ceiling, supported by widespread SBI Card merchant network discounts. It offers strong value for cardholders transacting frequently on featured partner apps. However, general non-partner retail swipes earn only base reward points that require catalogue redemption.

Offers a targeted 10% accelerated statement cashback on dining, food delivery, and supermarket grocery purchases up to ₹1,000 per billing cycle. It pairs this with an uncapped 1.5% base return on everyday retail transactions, providing balanced household utility. The trade-off is a ₹999 annual fee and that the 10% category caps out after ₹10,000 in monthly food and grocery spend.

Features a consistent 5% category cashback return structured for recurring monthly utility, grocery, and retail outlays up to ₹1,500 per month. The cashback credits automatically against the statement, providing predictable monthly bill reduction. Its primary drawback is the ₹1,000 annual fee, which requires consistent monthly card utilization to recover.

Delivers 10% cashback on Swiggy app orders (Food, Instamart, Dineout) and 5% on leading e-commerce platforms with direct statement balance adjustment. Cashback settles straight against your monthly credit card bill without requiring manual app wallet redemptions. The primary catch is that accelerated benefits cap out at ₹1,500 per month per tier.

Provides 10% cashback on Swiggy Food, Instamart groceries, and Dineout alongside 5% across major digital merchants including Amazon, Flipkart, and Myntra. Cashback is automatically credited directly against the credit card statement balance within each monthly billing cycle (effective for statements from 21 June 2024 onward). The key limitation is that accelerated categories carry distinct ₹1,500 monthly caps.

HDFC Bank's value-oriented Swiggy co-branded credit card offering 5% statement cashback on Swiggy and select online merchant categories (shared ₹1,500/cycle cap), 1% elsewhere, with a complimentary 12-month Swiggy One membership.

A proven all-rounder offering 5% CashPoints on key digital merchant partners (Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra) with a ₹1,000 monthly cap, plus 1% on general retail and quarterly airport lounge visits on meeting spend hurdles. It provides balanced utility across everyday urban digital lifestyles. The trade-off is a ₹1,000 monthly ceiling on partner CashPoints and a ₹1,000 annual renewal fee.

Provides accessible entry-level credit with predictable cashback on utility and grocery expenses. It offers a stepping stone for new-to-credit consumers without high annual fees. The trade-off is modest reward point redemption value and limited lifestyle perks.