Best cashback credit cards in India
Cashback cards return a percentage of every rupee spent directly, with no redemption catalog or expiring points. Below are the highest base-rate cashback cards in our catalog, ranked by reward rate.
Ranked using our methodology. Want a personalized pick instead? Find my card →
Rates last verified 24 October 2026 · No bank pays us to rank higher.
AU Zaggle Co-Branded Retail Credit Card
Visa
AU Small Finance Bank
AU Zaggle Co-Branded Retail Credit Card
4% base reward · ₹0 annual fee
Why it's ranked here: Zero joining and annual fee for life
Kotak Mahindra Bank
Kotak UPI RuPay Credit Card
3% base reward · ₹0 annual fee
Why it's ranked here: No joining or annual fee, ever
IDFC FIRST Bank
IDFC FIRST Gaj Credit Card
3% base reward · ₹12,500 annual fee
Why it's ranked here: Up to 33.33% value-back on travel bookings via the IDFC FIRST app
SBM Bank India
SBM Kredit.Pe RuPay Credit Card
3% base reward · ₹199 annual fee
Why it's ranked here: Low minimum FD to get started
Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: No annual fee
ICICI Bank
MakeMyTrip ICICI Bank Signature Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: Lifetime free from year two — only a one-time ₹2,500 joining fee
AU Business Cashback RuPay Credit Card
RuPay
AU Small Finance Bank
AU Business Cashback RuPay Credit Card
2% base reward · ₹99 annual fee
Why it's ranked here: Flat 2% cashback on business spends with no complicated category table
Unity Bank BharatPe RuPay Credit Card
RuPay
Unity Small Finance Bank (BharatPe)
Unity Bank BharatPe RuPay Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: Zero joining fee, zero annual fee, zero processing fee and zero foreclosure charges — no fee scenario the fine print can spring on you
Axis Bank
Axis ACE
1.5% base reward · ₹499 annual fee
Why it's ranked here: 5% cashback on utility/bill payments, DTH and mobile recharges via Google Pay, uncommon for a card this cheap
HDFC Bank
Tata Neu Infinity HDFC Bank Card
1.5% base reward · ₹1,499 annual fee
Why it's ranked here: Up to 5% NeuCoin cashback across a wide Tata retail ecosystem spanning groceries, electronics, pharmacy, fashion and travel
AU Small Finance Bank Altura Plus Credit Card
Visa
AU Small Finance Bank
AU Small Finance Bank Altura Plus Credit Card
1.5% base reward · ₹499 annual fee
Why it's ranked here: Straightforward 1.5% cashback on retail spends
HDFC Bank
HDFC Bank BizGrow Credit Card
1.5% base reward · ₹500 annual fee
Why it's ranked here: 1.5% base cashback rate, a step up from BizFirst's 1%