Best cashback credit cards

Heads-up: 5 Jewels are worth Re. 1, so the accelerated 2% category is a real 2% only because Jewels are quoted as a percentage of spend — check the…

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: The Federal Bank-Fi MagniFi co-branded credit card program has been fully discontinued effective 20 March 2026 - reward accrual and…

Heads-up: The 2% online rate caps at Rs. 1,000 a month and the 1% rate at Rs. 500 a month, so the advertised Rs. 18,000 a year needs Rs. 1,00,000 of…

Heads-up: The 10-point rate on online shopping and departmental stores is capped at 2,000 Reward Points a statement — Rs. 500 of value a month.

Heads-up: The two chosen 5% packs share a cap of 500 CashPoints a month. Past that, accelerated spending earns the base rate.

Heads-up: The fee is charged monthly and waived monthly. Spend under ₹5,000 in a month and ₹100 + GST is charged for the next one — the waiver has to…

Heads-up: No airport lounge access. The lounge benefit is eight railway lounge visits a year.

Heads-up: Blinkit is capped at Rs. 1,000 a month and five transactions; Zomato at Rs. 150 per transaction; Ola at Rs. 600 a month. Past those, the…

Heads-up: No cashback or reward rate is published, so the return on spending cannot be calculated.

Heads-up: From year two the Rs. 499 fee is waived only on Rs. 8,00,000 of spending in a card year, about Rs. 67,000 a month — twenty times the…

Heads-up: All cashback stops at ₹1,500 a statement cycle, with online capped at ₹1,000 inside that. About ₹24,000 of online spend a month reaches the…

Heads-up: A CashPoint is worth Rs. 0.25 against the statement, so 10X on the partner brands is an effective 3.3% back and the base rate is about…

Heads-up: The 5% stops at ₹2,000 a billing cycle. Past about ₹40,000 of online spend a month, extra spending earns the 1% base rate.

Heads-up: Cashback stops at Rs. 200 a month on fuel, Rs. 200 on phone bills and Rs. 100 on utilities — Rs. 500 a month in total, and Rs. 100 on any…

Heads-up: This card is secured against a fixed deposit of Rs. 5,000 or more. The deposit is locked for as long as the card is held.

Heads-up: Every reward bucket (PhonePe spends, select online brands, UPI Scan & Pay) is capped at 500 Reward Points per month EACH - heavy spenders…

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: 10% Swiggy cashback is capped at ₹1,500 per billing cycle — ₹15,000 of Swiggy spend earns the maximum, and anything beyond it earns nothing…

Heads-up: The fee is disputed. Kiwi markets the virtual card as lifetime free, while the PNB portal shows Rs. 750 + GST a year plus Rs. 500 for a…

Heads-up: A feature left switched on keeps charging its fee every 90 days, and per-feature fees are easier to lose track of than a single annual…

Heads-up: Points cover at most 70% of a train fare, so the headline 5% is closer to 3.5% when you pay with points alone.

Heads-up: The flat 2% cashback on ZET UPI transactions requires a paid ZET Plus subscription.

Heads-up: Every transaction must be Rs. 500 or more to earn any Reward Point at all.

Heads-up: The 5% JioMart cashback is credited to a JioMart wallet, not the statement, and is redeemable only in general merchandise and fashion.

Heads-up: The 40-point rail rate applies only to travel dates between 15 Jan and 31 Mar and 15 Jul and 15 Sep. Other dates earn 16 points, which is…

Heads-up: 1 point per Rs. 100 redeeming at Rs. 0.20 is a 0.2% return. Rs. 50,000 of monthly spending earns about Rs. 1,200 a year.

Heads-up: 1 Reward Point per Rs. 100 is 0.25% back at the published point value — among the lowest rates in this catalogue.

Heads-up: The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate.

Heads-up: The Rs. 4,999 plus GST fee is waived only above Rs. 8,00,000 of annual spending, about Rs. 67,000 a month.

Heads-up: Reward Points are auto-credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or…

Heads-up: A Reward Point redeems at about Rs. 0.07, so 8 points per Rs. 150 is an effective return of roughly 0.4%. The headline rate is not the…

Heads-up: Bank of Baroda states an age window of 25 to 55 for this card, with anything outside it at its own discretion — one of the narrowest in the…

Heads-up: SBI publishes this card’s cashback only as "up to 7.5%, varies by category and terms" — no figure for any individual category, no cap and…

Heads-up: Zero Vantage Points on ALL international spends, effective 10 July 2026 — a major devaluation from the earlier terms, which paid 8 points…