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)
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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
Frequently Asked Questions
How do I choose the best credit card for Cashback Credit Cards?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for Cashback Credit Cards with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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