#1
HDFC Bank
HDFC Millennia Credit Card
5% cashback on Amazon, Flipkart, Swiggy & 7 more apps
₹1,000 + GST a yearCashbackOnline shopping
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Best cards
Best cashback cards in India (2026)
Cashback is the easiest reward to judge: it lands as money, not points. These cards pay the most on everyday Indian spending — and every one of them has a monthly cap you should know.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
SBI Card
CASHBACK SBI Card
5% cashback online, 1% offline, no merchant list
₹999 + taxes a yearCashbackOnline shopping
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#3
HSBC
HSBC Live+ Credit Card
10% cashback on food, groceries, shopping & bills
₹999 joining + ₹999 annualCashbackSwiggy & Zomato
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#4
HDFC Bank
Swiggy HDFC Credit Card
10% back on Swiggy + 5% on online spends
₹500 + GST a yearCashbackSwiggy & Zomato
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#5
HDFC Bank
PIXEL Play Credit Card
Pick your own 5% cashback categories
₹500 + GST a yearCashbackOnline shopping
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#6
HDFC Bank
PIXEL Go Credit Card
Flat 1% cashback
₹250 + GST a yearCashbackUnder ₹500 a year
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#7
HSBC
HSBC RuPay Cashback Credit Card
10% cashback on food & groceries, and it works on UPI
₹499 joining + ₹499 annualWorks on UPICashbackUPI (RuPay)
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| HDFC Millennia Credit CardHDFC Bank | ₹1,000 + GST a year | 5% cashback on Amazon, Flipkart, Swiggy & 7 more apps | No |
| CASHBACK SBI CardSBI Card | ₹999 + taxes a year | 5% cashback online, 1% offline, no merchant list | No |
| HSBC Live+ Credit CardHSBC | ₹999 joining + ₹999 annual | 10% cashback on food, groceries, shopping & bills | No |
| Swiggy HDFC Credit CardHDFC Bank | ₹500 + GST a year | 10% back on Swiggy + 5% on online spends | No |
| PIXEL Play Credit CardHDFC Bank | ₹500 + GST a year | Pick your own 5% cashback categories | No |
| PIXEL Go Credit CardHDFC Bank | ₹250 + GST a year | Flat 1% cashback | No |
| HSBC RuPay Cashback Credit CardHSBC | ₹499 joining + ₹499 annual | 10% cashback on food & groceries, and it works on UPI | Yes |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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