If you love saving money every time you shop, pay bills, or order food, cashback credit cards are the smartest way to reduce expenses. Instead of earning confusing reward points, these cards give you direct cashback, which means real savings on every swipe.
To help you choose the right one, QuickCashs has curated the Top 10 Cashback Credit Cards in India for 2026 based on value, features, cashback structure, and fees.
Top 10 Cashback Credit Cards in India (2026)
1. SBI Cashback Credit Card
Perfect for people who shop online frequently.
Features:
- Flat 5% cashback on most online categories
- 1% cashback on all offline purchases
- Zero joining fee (limited-time offers)
- Best For: Online shoppers, bill payers
2. HDFC Millennia Credit Card
A best-seller among millennials and salaried users.
Features:
- 5% cashback on Amazon, Flipkart, Zomato, and Swiggy
- Quarterly lounge access
- Annual fee easily waived
- Best For: Food, fashion & lifestyle spending
3. Axis Bank Ace Credit Card
A simple, high-value daily-use cashback card.
Benefits:
- 5% cashback on bill payments via Google Pay
- 4% cashback on dining & food apps
- High monthly cashback limits
- Best For: Bill payments & daily expenses
4. Amazon Pay ICICI Credit Card
A no-fee card with powerful benefits.
Highlights:
- 5% cashback for Prime members
- 3% cashback for non-Prime users
- 2% at partner merchants
- Best For: Amazon loyal customers
5. Flipkart Axis Bank Credit Card
A top choice for frequent Flipkart and Myntra shoppers. This shopping credit card save your money.
Benefits:
- 5% cashback on Flipkart & Myntra
- 4% cashback on food, travel & movies
- Great welcome rewards
- Best For: Online shopping & entertainment
6. Standard Chartered Smart Credit Card
Simple cashback for everyday spending.
Perks:
- 2% cashback online
- 1% cashback offline
- Very low annual fee
- Best For: Beginners & budget users
7. Kotak Mojo Platinum Credit Card
Rewards-heavy cashback card for mixed usage.
Benefits:
- Mojo points equal to 1% cashback
- Extra rewards for online bookings
- Fuel surcharge waiver
- Best For: Travel + online spending combo
8. Yes Bank Cashback Credit Card
One of the easiest cashback cards to get.
Features:
- Up to 5% cashback on online purchases
- Good monthly cashback caps
- Low annual charges
- Best For: Regular online buyers
9. HSBC Cashback Credit Card
International-level benefits with easy cashback.
Benefits:
- 1.5% cashback on online spends
- 1% cashback offline
- No joining fee
- Best For: Users wanting a zero-hassle card
Also Read: HDFC Bank Swiggy Credit Card Review
10. AU Bank Vetta Credit Card
Packed with lifestyle and entertainment perks.
Perks:
- Cashback on dining, groceries, and travel
- Free domestic lounge access
- Movie benefits & partner offers
- Best For: Lifestyle-focused users
Best Cashback Credit Cards in India (2026)
| Credit Card | Cashback Rate | Annual Fee | Best For |
|---|---|---|---|
| SBI Cashback Card | 5% online, 1% offline | ₹999 (waived on spend) | Online shoppers |
| HDFC Millennia | 5% on major apps | ₹1,000 | Lifestyle spenders |
| Axis Ace Card | 5% bill payment, 4% dining | ₹499 | Daily bills |
| Amazon Pay ICICI | 5% Prime, 3% others | ₹0 | Amazon users |
| Flipkart Axis Bank | 5% Flipkart/Myntra | ₹500 | Fashion & lifestyle |
| SC Smart Card | 2% online | ₹499 | Beginners |
| Kotak Mojo Platinum | 1% cashback | ₹1,000 | Mixed spending |
| Yes Bank Cashback | Up to 5% online | ₹999 | Regular shoppers |
| HSBC Cashback Card | 1.5% online | ₹0 | General usage |
| AU Bank Vetta | Category cashback | ₹2,999 | Lifestyle & travel |
How to Pick the Right Cashback Credit Card
Selecting the best card depends on how you spend every month. Here’s a quick guide:
- If you shop online often: SBI Cashback, Amazon Pay, ICICI
- If food + cabs + lifestyle apps: HDFC Millennia, Axis Ace
- If your priority is no fees: HSBC Cashback, Amazon Pay, ICICI
- If you want monthly savings on bills: Axis Ace
- If you want travel + lifestyle perks: AU Bank Vetta
Also Read: How to Get a Loan with Low Credit Score
Conclusion
Cashback credit cards are one of the most rewarding financial tools in 2026. These ten best options provide savings on everything, like groceries, gadgets, food, and flights. Choose the one that matches your lifestyle, and let every swipe put money back into your pocket.
