If you’re looking for the best cashback credit card, now is a good time to compare your options. With different cards offering cashback on groceries, dining, online shopping, utilities, and everyday spending, the right card can help reduce your regular expenses. In this guide, we’ll compare some of the top cashback credit cards available this month and what makes each one worth considering.
Top Overall & Online Shopping Cards
1. SBI Cashback Credit Card (For Online Shopping Focus)
The SBI Cashback Credit Card is one of the best credit cards for online shopping and everyday spending. It offers 5% cashback on eligible online transactions and 1% cashback on offline POS transactions, making it a simple option for people who want consistent cashback without having to track multiple reward categories. With a cashback cap of ₹2,000 per statement cycle, it can be particularly valuable for regular online shoppers with higher monthly spending.
| Feature | Details |
|---|---|
| Online Cashback | 5% |
| Offline Cashback | 1% |
| Maximum Cashback | ₹2,000 per statement cycle |
| Joining Fee | ₹999 + applicable taxes |
| Annual Fee | ₹999 + applicable taxes |
| Annual Fee Waiver | ₹2 lakh annual spends |
| Fuel Surcharge Waiver | 1% on eligible transactions |
| Cashback Credit | Within 2 working days after statement generation |
| Cashback Exclusions | Fuel, utilities, insurance, rent, wallet loading, education, jewellery, railway, government transactions, tolls, digital gaming and EMI transactions. |
Apply for SBI Cashback Credit Card
2. Amazon Pay ICICI Credit Card (For Amazon Shopping)
The Amazon Pay ICICI Credit Card is one of the better cashback cards for Amazon shoppers. It offers higher cashback for Prime members, along with cashback on Amazon Pay transactions and other eligible spending, while having no joining or annual fee.
| Feature | Details |
|---|---|
| Amazon Cashback (Prime) | 5% |
| Amazon Cashback (Non-Prime) | 3% |
| Amazon Pay Partner Merchants | 2% |
| Other Eligible Spends | 1% |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Cashback Cap | No upper limit |
| Minimum Purchase | No minimum purchase |
| Fuel Surcharge Waiver | 1% |
| Foreign Currency Markup | 1.99% + applicable taxes |
| Cashback Credit | Amazon Pay balance |
| EMI Transactions | Cashback not applicable |
3. Flipkart Axis Bank Credit Card (For Flipkart & Myntra)
The Flipkart Axis Bank Credit Card is a strong cashback option for frequent Flipkart and Myntra shoppers, offering higher cashback on eligible purchases from these platforms. Cardholders can also earn cashback on Cleartrip bookings, selected preferred merchants, and other eligible spends, making it a versatile choice for regular online shopping. With a simple cashback structure, an annual fee waiver based on spending, and cashback credited directly to the card statement, it can be a useful option for shoppers looking to maximize their savings on everyday online purchases.
| Feature | Details |
|---|---|
| Myntra Cashback | 7.5%, capped at ₹4,000 per statement quarter |
| Flipkart Cashback | 5%, capped at ₹4,000 per statement quarter |
| Cleartrip Cashback | 5%, capped at ₹4,000 per statement quarter |
| Preferred Merchants | 4%, unlimited |
| Other Eligible Spends | 1%, unlimited |
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Annual Fee Waiver | ₹3.5 lakh annual spends |
| Fuel Surcharge Waiver | 1% |
| Cashback Credit | Directly credited to credit-card statement |
| Welcome Benefit | ₹250 Flipkart voucher on first transaction within 30 days |
| Cashback Exclusions | Fuel, utilities, insurance, education, rent, wallet loads, jewellery, EMI, government services, gift cards, cash advances and card-fee payments |
👉 Apply for Flipkart Axis Bank Credit Card
Best for Food, Dining & Grocery Cards
4. Swiggy HDFC Bank Credit Card (For Food & Grocery)
The Swiggy HDFC Bank Credit Card is one of the better credit cards for food, dining, and grocery spending. It is particularly useful for people who regularly order food through Swiggy and shop for groceries, while also offering cashback on other eligible online spending.
| Feature | Details |
|---|---|
| Swiggy Cashback | 10%, capped at ₹1,500 per billing cycle |
| Minimum Swiggy Transaction | ₹249 |
| Online Shopping Cashback | 5%, capped at ₹1,500 per billing cycle |
| Other Eligible Spends | 1%, capped at ₹500 per billing cycle |
| Joining Fee | ₹500 + applicable taxes |
| Annual Fee | ₹500 + applicable taxes |
| Annual Fee Waiver | ₹2 lakh annual spends |
| Cleartrip Benefit | 20% hotel discount and 6.35% flight discount, subject to terms |
| Fuel Surcharge Waiver | 1% on eligible transactions |
| Cashback Credit | Adjusted against outstanding balance in subsequent billing cycle |
| Welcome Benefit | 3-month Swiggy One membership |
| Cashback Exclusions | Fuel, rent, government transactions, jewellery, gift cards, EMI, wallet transactions, SmartPay, SmartBuy, cash advances, foreign currency and fees |
| Important 2026 Update | ₹249 minimum transaction required for 10% Swiggy cashback from 17 April 2026 |
👉 Check Eligibility & Apply for Swiggy HDFC Bank Credit Card
5. HSBC Live+ Credit Card (For Everyday Cashback)
The HSBC Live+ Credit Card is one of the stronger options for food, dining, and grocery spending. It offers 10% cashback across several everyday categories, making it useful for people who regularly spend on dining, food delivery, groceries, shopping, and utilities.
| Feature | Details |
|---|---|
| Dining & Food Delivery | 10% |
| Grocery | 10% |
| Shopping | 10% |
| Utility | 10% |
| 10% Cashback Cap | ₹1,200 per month |
| Other Eligible Spends | 1.5%, unlimited |
| Joining Fee | ₹999 + applicable taxes |
| Annual Fee | ₹999 + applicable taxes |
| Annual Fee Waiver | ₹2 lakh annual spends |
| Forex Markup | 1.99% + applicable taxes |
| Domestic Lounge | 2 visits per calendar year |
| International Lounge | 1 visit per calendar year from 1 September 2026 |
| Cashback Credit | Within 45 days of statement date |
| Important 2026 Update | From 26 July 2026, shopping and utility spends were added to the 10% cashback categories and the monthly cap increased to ₹1,200. |
👉 Check Eligibility & Apply for HSBC Live+ Credit Card
Best For Utilities, Recharges & Bills
6. Airtel Axis Bank Credit Card (For Utility Bills & Recharges)
The Airtel Axis Bank Credit Card is one of the best options for utility bills, mobile recharges, and everyday digital payments. Its strong cashback on Airtel services and utility payments makes it particularly useful for regular household bills and Airtel customers.
| Feature | Details |
|---|---|
| Airtel Cashback | 25% via Airtel Thanks App |
| Utility Cashback | 10% via Airtel Thanks App |
| Zomato, Blinkit & District | 10% value back, capped at ₹200 per partner/month |
| Other Eligible Spends | 1% |
| Joining Fee | ₹500 + applicable taxes |
| Annual Fee | ₹500 + applicable taxes |
| Annual Fee Waiver | ₹2 lakh annual spends |
| Fuel Surcharge Waiver | 1% on eligible transactions |
| Airport Lounge | Discontinued from 12 April 2026 |
| Welcome Benefit | ₹250 Amazon voucher |
| Cashback Credit | Directly credited to card statement |
👉 Check Eligibility & Apply for Airtel Axis Bank Credit Card
7. Axis Bank ACE Credit Card (For Utility Bills & Recharges)
The Axis Bank ACE Credit Card is a practical option for utility bills, mobile recharges, and everyday payments. It offers 5% cashback on eligible utility and telecom payments through Google Pay, along with cashback on popular food and mobility platforms.
| Feature | Details |
|---|---|
| Utility Bills & Recharges | 5% via Google Pay |
| Swiggy, Zomato & Ola | 4% |
| Other Eligible Spends | 1.5%, unlimited |
| 5% & 4% Cashback Cap | ₹500 per month |
| Joining Fee | ₹499 + applicable taxes |
| Annual Fee | ₹499 + applicable taxes |
| Annual Fee Waiver | ₹2 lakh annual spends |
| Fuel Surcharge Waiver | 1% on eligible transactions |
| Cashback Credit | Next billing cycle |
| Cashback Exclusions | Fuel, EMI, rent, wallet loads, insurance, education, government services, jewellery and financial transactions |
👉 Check Eligibility & Apply for Axis Bank ACE Credit Card
Ecosystem & All-Rounder Mid-Tier Cards
8. HDFC Millennia Credit Card (For Online Shopping & Rewards)
The HDFC Millennia Credit Card is one of the better all-rounder cashback cards for online shopping and everyday spending. It offers 5% cashback across popular online merchants such as Amazon, Flipkart, Myntra, Swiggy and Zomato, making it a versatile option for regular online shoppers.
| Feature | Details |
|---|---|
| Online Merchant Cashback | 5% |
| Eligible Merchants | Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato |
| 5% Cashback Cap | ₹1,000 per billing cycle |
| Other Eligible Spends | 1%, capped at ₹1,000 per billing cycle |
| Joining Fee | ₹1,000 + applicable taxes |
| Annual Fee | ₹1,000 + applicable taxes |
| Annual Fee Waiver | ₹1 lakh annual spends |
| Cashback Redemption | Against outstanding credit-card balance |
| Domestic Lounge Access | Discontinued from 1 December 2023 |
| Cashback Exclusions | Fuel, EMI, wallet loading, rent and government-related transactions |
| Education | Third-party education payments do not earn cashback |
| Cashback Posting | CashPoints are posted in the first week of the subsequent calendar month |
👉 Check Eligibility & Apply for HDFC Millennia Credit Card
Final Thoughts
Choosing the best cashback credit card in 2026 ultimately depends on where and how you spend your money. A card offering the highest cashback rate is not always the best choice if its cashback is capped, restricted to specific merchants, or comes with a high annual fee.
Before applying, compare the cashback rates, monthly or billing-cycle limits, annual fees, fee-waiver requirements, cashback exclusions, and redemption process. If most of your spending falls into a card’s bonus categories, that card can potentially deliver much better value than a general-purpose cashback card.
The best credit card is not necessarily the one with the highest cashback percentage. It is the one that consistently rewards your actual spending habits while keeping the fees and restrictions manageable.
I write about credit cards, personal finance, banking products, and money-saving tips for CardZen. My aim is to make financial topics easier to understand and help readers make informed decisions.