Cap first
Translate the advertised percentage into the maximum rupees you can actually earn each statement cycle.
Decision framework
Use the category to frame the question—not to declare a winner.
Cards where the primary value proposition is statement credit or cashback rather than reward-point redemption. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
Merchant coding
Check whether your real merchants fall into eligible MCCs and whether wallets, rent, utilities or government spend are excluded.
Fee after cashback
A paid cashback card only wins if incremental cashback comfortably exceeds the annual fee and taxes.
Broad vs narrow
Merchant-specific cards can beat general cashback only when your spending is concentrated with that merchant.
Issuer coverage
Which issuer portfolios appear most often here?
This is database coverage only. More published cards does not mean a better issuer, easier approval or stronger customer service.
01Issuer dossierAU Small Finance Bank4 cards in this category
02Issuer dossierSBI Card2 cards in this category
03Issuer dossierAxis Bank1 card in this category
04Issuer dossierHDFC Bank1 card in this category
05Issuer dossierICICI Bank1 card in this category
06Issuer dossierKotak Mahindra Bank1 card in this category
07Issuer dossierPunjab National Bank1 card in this category
08Issuer dossierHSBC India1 card in this category
Published card research
Inspect the exact cards behind this category.
Search locally, narrow by issuer or status, and open the full dated card dossier before relying on any fee, reward, lounge or forex term.
13of 13 published records visible
SBI Card · Active
Open dossier CASHBACK SBI Card
A straightforward online-spend cashback card with a published 5% online and 1% offline structure, subject to exclusions and statement-cycle caps.
Annual fee₹999 + taxes
Rewards5% cashback on eligible online spends; 1% on eligible offline spends
LoungeNo core lounge benefit highlighted on the reviewed product page
Forex3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best usePeople whose eligible spend is primarily online and who can use the cashback caps efficiently.
2 first-party sourcesReviewed September 11, 2026
SBI Card · Active
Open dossier Flipkart SBI Card
A merchant-led cashback card for Flipkart ecosystem shoppers, with additional travel value through Cleartrip.
Annual fee₹500 + applicable taxes from the second year.
RewardsCurrent issuer material lists 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, 4% on selected partners and 1% on other eligible spends, with applicable caps/exclusions.
LoungeNot positioned primarily around lounge access
Forex3.50% foreign-currency transaction fee under the current SBI Card MITC.
Best useFrequent Flipkart/Myntra shoppers who prefer merchant-linked cashback.
3 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Airtel Axis Bank Credit Card
A narrow but potentially high-value cashback card when the household's telecom and utility behavior matches the qualifying Airtel Thanks routes.
Annual fee₹500 from the second year on the current Axis Bank product page
RewardsReviewed Axis T&Cs document 25% cashback on eligible Airtel bills via Airtel Thanks (capped) and 10% on eligible utility payments via Airtel Thanks (capped)
Lounge4 complimentary domestic airport lounge visits per year under Axis Bank lounge terms, subject to ₹50,000 eligible spend in the previous 3 calendar months after the new-card waiver period.
Forex3.50% foreign-currency transaction fee on the current product page; DCC markup is separately published for INR-denominated international/overseas-registered-merchant transactions.
Best useAirtel households that can route eligible telecom and utility bills through Airtel Thanks.
3 first-party sourcesReviewed September 11, 2026
HDFC Bank · Active
Open dossier Swiggy HDFC Bank Credit Card
A low-fee co-branded cashback card with high Swiggy earn, broader online cashback and clearly published billing-cycle caps.
Annual fee₹500 + applicable taxes; renewal fee is waived at ₹2 lakh annual spends.
Rewards10% cashback on eligible Swiggy app spends capped at ₹1,500 per billing cycle; 5% on eligible online shopping capped at ₹1,500; 1% on eligible other spends capped at ₹500. Current product T&Cs also apply minimum eligible transaction values of ₹249 for the 10% bucket and ₹100 for the 5%/1% buckets.
LoungeNot positioned as a lounge-led card
ForexThe current Swiggy HDFC Bank fee page explicitly publishes a 3.50% dynamic-currency-conversion markup; the reviewed product-specific page does not separately state a foreign-currency markup rate, so DCC is kept distinct from ordinary foreign-currency conversion.
Best useFrequent Swiggy users and online shoppers whose eligible spend fits within the monthly cashback caps.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier Amazon Pay ICICI Bank Credit Card
A lifetime-free Amazon co-branded card with unlimited merchant-linked rewards, automatic Amazon Pay balance redemption and a 1.99% published forex markup.
Annual feeNil
Rewards5% Amazon Pay rewards on eligible Amazon purchases for Prime members; 3% for non-Prime members; 2% at eligible Amazon Pay partner merchants; 1% on eligible other spends
LoungeNot positioned as an airport-lounge card
Forex1.99% foreign-currency markup on the reviewed issuer page
Best useAmazon-heavy users who want an annual-fee-free card with simple, non-expiring Amazon Pay rewards and a relatively low published forex markup.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Altura Credit Card
A low-fee AU cashback card with elevated value on groceries, departmental stores and utilities, plus railway-lounge access.
Annual fee₹199 + applicable taxes.
Rewards2% cashback on eligible grocery, departmental-store and utility spends; 1% on other eligible retail spends, plus ₹50 milestone cashback on ₹10,000 statement-cycle retail spend
Lounge8 complimentary railway lounge visits per year; not positioned as an airport-lounge card
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useEntry-level users who want simple everyday cashback on groceries and utilities with a low annual fee and modest waiver threshold.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Altura+ Credit Card
A ₹499 AU card combining offline cashback, online reward acceleration, monthly milestone points and railway-lounge access.
Annual fee₹499 + applicable taxes.
Rewards1.5% cashback on eligible offline spends; 2 Reward Points per ₹100 on eligible online spends and 1 Reward Point per ₹100 on eligible offline spends after applicable cashback rules, plus 500 bonus points on ₹20,000 monthly retail spend
Lounge8 complimentary railway lounge visits per year
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useLower-to-mid spenders who want a blend of cashback and reward points without moving into a premium annual-fee tier.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU LIT Credit Card
A customizable lifetime-free AU card where users can selectively pay for quarterly-style reward, cashback and lifestyle features.
Annual feeLifetime-free base card under the reviewed issuer page
RewardsCustomizable proposition with optional features including up to 10X reward points, category cashback, milestone cashback, entertainment memberships and fuel-surcharge waiver
LoungeLounge-related value depends on optional features selected; verify the current LIT feature menu before paying for an add-on
ForexStandard AU fee table lists 3.49% cross-currency markup for LIT; optional feature pricing can alter the proposition, so verify before international use
Best useUsers who value a no-annual-fee base card and are willing to actively choose short-duration paid features instead of accepting a fixed benefits bundle.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU SPONT Credit Card
A low-fee AU RuPay card combining 1% eligible cashback across UPI and card transactions with railway and spend-conditioned airport lounges.
Annual fee₹299 + applicable taxes.
Rewards1% cashback on eligible ecommerce, POS, contactless and UPI transactions, plus never-expiring coins on UPI transactions under reviewed terms
Lounge2 railway lounge visits per calendar quarter; 2 domestic airport lounge visits per quarter after ₹50,000 calendar-quarter spend
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useUsers who want straightforward RuPay/UPI cashback with low annual cost and can potentially use railway or spend-conditioned airport lounge access.
2 first-party sourcesReviewed September 11, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak Cashback+ Credit Card
A ₹750 cashback card offering 5% on selected online categories, 3% on eligible fuel and 0.5% on other eligible spends, with a ₹500 billing-cycle cap on accelerated cashback.
Annual fee₹750 + applicable taxes
Rewards5% cashback on eligible online food delivery, grocery and entertainment; 3% on eligible fuel; 0.5% on other eligible spends. Accelerated cashback is capped at ₹500 per billing cycle under the reviewed T&Cs
LoungeNot positioned as a lounge-led card in the reviewed issuer material
Forex3.5% under the reviewed Kotak MITC's standard foreign-currency markup for cards without a special lower rate
Best useModerate spenders whose online grocery, food-delivery, entertainment and fuel spending fits comfortably inside the accelerated cashback cap.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB KIWI RuPay Select Credit Card
A PNB/KIWI RuPay Select co-brand built around UPI scan-and-pay rewards, with a no-fee virtual card and a separately priced physical card.
Annual feeNil for the virtual card; ₹750 for the physical card
Rewards0.5% cashback as KIWIS on eligible online transactions and 1.5% on eligible scan-and-pay transactions; monthly KIWI cap is linked to the card credit limit
LoungeNot listed as a core benefit on the reviewed PNB KIWI product page
Forex3.50% foreign-currency markup under PNB’s schedule for non-LUXURA cards
Best useUPI-heavy users who want a virtual-card route with no standard annual fee and prefer cashback-style KIWI rewards over traditional bank points.
3 first-party sourcesReviewed September 9, 2026
HSBC India · Active
Open dossier HSBC Live+ Credit Card
A cashback-led HSBC card combining a capped 10% accelerator, 1.5% base cashback, annual lounge visits and a 1.99% forex markup.
Annual fee₹999; the current product page states it is waived when annual spend exceeds ₹2 lakh.
Rewards10% accelerated cashback on eligible dining, food delivery, grocery, shopping and utility spend, capped at ₹1,200 per month across those categories; 1.5% unlimited cashback on most other eligible spend, subject to exclusions.
Lounge2 domestic and 1 international complimentary airport-lounge visits per year under the current product page.
Forex1.99% forex markup on international transactions under the current HSBC product page.
Best useUsers with concentrated dining/grocery/shopping/utility spend who also value a published 1.99% forex rate.
2 first-party sourcesReviewed September 12, 2026
Standard Chartered India · Active
Open dossier Standard Chartered Smart Credit Card
A cashback-focused Standard Chartered card with 2% online and 1% other eligible cashback plus a published ₹499 annual fee.
Annual fee₹499 from year 2 onward under the current Standard Chartered tariff.
Rewards2% cashback on eligible online transactions, capped at ₹1,000 per statement cycle; 1% cashback on eligible offline/other transactions, capped at ₹500 per statement cycle under the current Smart FAQ.
LoungeNot positioned as a lounge-led card on the reviewed current Standard Chartered product listing.
ForexStandard Chartered currently states 3.5% on overseas transactions for cards other than Ultimate; verify the current tariff at time of use.
Best useUsers seeking simple online/offline cashback who can stay within the statement-cycle cashback caps.
3 first-party sourcesReviewed September 12, 2026
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Maintained head-to-heads
Close comparisons already researched inside Cashback Credit Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonCASHBACK SBI CardvsAirtel Axis Bank Credit CardCompare →Maintained comparisonCASHBACK SBI CardvsFlipkart SBI CardCompare →Maintained comparisonSwiggy HDFC Bank Credit CardvsCASHBACK SBI CardCompare →Maintained comparisonAmazon Pay ICICI Bank Credit CardvsCASHBACK SBI CardCompare →Maintained comparisonAmazon Pay ICICI Bank Credit CardvsSwiggy HDFC Bank Credit CardCompare →Maintained comparisonKotak Cashback+ Credit CardvsCASHBACK SBI CardCompare →Maintained comparisonKotak Cashback+ Credit CardvsSwiggy HDFC Bank Credit CardCompare →Maintained comparisonHSBC Live+ Credit CardvsCASHBACK SBI CardCompare →