Expert Selection 2026
Best Credit Cards for Cashback Credit Cards
Credit cards that return a percentage of every spend as direct cashback to your statement — the simplest and most transparent reward structure.
Recommended Cards (20)
Top Choice
HDFC BANK LTD
HDFC Bank MoneyBack Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Cashback on everyday spends
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
ICICI BANK LTD
ICICI Bank Amazon Pay
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Amazon-specific rewards and cashback
- No-fee lifetime free card
- Special benefits on Amazon purchases
STATE BANK OF INDIA
CASHBACK SBI Card
Excellent
Expert Score5.0
Joining Fee
₹999
Annual Fee
₹999
- 5% cashback on all online spends
- 1% cashback on offline spends
- Cashback auto-credited to card account within two days of statement generation
KOTAK MAHINDRA BANK LTD
Myntra Kotak Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- 7.5% off up to ₹750 per transaction on Myntra
- 5% cashback up to ₹1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company
- 1.25% cashback across all other transactions
YES BANK LTD
YES Prosperity Cashback Plus Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- Cashback on all spends
- Fuel surcharge waiver
- Entrylevel cashback card
YES BANK LTD
YES Bank Klick Kiwi RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Specialized for UPI and scan-and-pay transactions
- Base rewards: 4 Kiwis (1% cashback) for UPI transactions
- 2 Kiwis (0.5% cashback) for non-UPI transactions
YES BANK LTD
YES Paisabazaar PaisaSave Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹499
- No joining fee
- 3% Cashback Points on e-commerce spends (maximum 5,000 points/month)
- Unlimited 1.5% Cashback Points on all other spends, including UPI transactions
YES BANK LTD
YES Marquee Credit Card
Excellent
Expert Score5.0
Joining Fee
₹9,999
Annual Fee
₹4,999
- 36 YES Rewardz Points per ₹200 spent online (equivalent to 4.5% reward rate)
- 18 YES Rewardz Points per ₹200 for offline spends
- Up to 24 domestic & unlimited international airport lounge visits annually
BANK OF BARODA
BOB Snapdeal Credit Card
Excellent
Expert Score5.0
Joining Fee
₹249
Annual Fee
₹249
- Reward rate of 1% to 5% on various spending categories
- 1% cashback on UPI transactions - unique feature in the market
- Fuel surcharge waiver across all petrol pumps
BANK OF BARODA
BOB Select Credit Card
Excellent
Expert Score5.0
Joining Fee
₹750
Annual Fee
₹750
- Opportunity to earn 1,000 bonus reward points monthly
- Enhanced reward points on dining, utility bills, and online purchases
- Reward points redeemable for cashback and various other categories
HDFC BANK LTD
HDFC Bank PIXEL Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Similar to PIXEL RuPay but without UPI cashback
- 5% cashback on choice of any 2 packs
- 3% cashback on choice of one e-commerce merchant
HDFC BANK LTD
HDFC Bank PIXEL RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- 5% cashback on choice of any 2 packs from categories like dining, travel, grocery, electronics, and fashion
- 3% cashback on choice of one e-commerce merchant (Amazon, Flipkart, or PayZapp)
- 1% unlimited cashback on all other spends
HDFC BANK LTD
HDFC Bank UPI RuPay Biz Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Business version of UPI RuPay credit card
- 1% cashback on UPI spends
- Business-oriented benefits
HDFC BANK LTD
HDFC Bank UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Enabled for UPI payments
- 1% cashback on UPI spends
- Link to UPI-enabled apps like PayZapp
HDFC BANK LTD
HDFC Freedom Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- No income documents required
- Gift voucher of ₹1,000 on annual spends of ₹90,000 and above
- Redeem reward points as cashback
HDFC BANK LTD
HDFC Bank Millennia Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- 1% cashback on all other spends (except fuel)
- ₹1,000 worth gift vouchers on quarterly spends of ₹1,00,000 and above
HDFC BANK LTD
HDFC Business Bharat CashBack Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Cashback benefits for business users
- Foreign currency markup of 3.5%
HDFC BANK LTD
Paytm HDFC Bank Digital Credit Card
Excellent
Expert Score5.0
Joining Fee
₹149
Annual Fee
₹149
- Digital-only card
- Basic cashback benefits
- No cash withdrawal facility
HDFC BANK LTD
Paytm HDFC Bank Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Up to 3% unlimited cashback
- Paytm First Membership with benefits worth up to ₹75,000
- Earn up to ₹1,200 cashback annually
HDFC BANK LTD
Paytm HDFC Bank Select Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- Up to 5% unlimited cashback
- Paytm First Membership with benefits worth up to ₹75,000
- 8 complimentary airport lounge access
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