Best Cashback Credit Cards in India 2026

Updated On:
October 27, 2026
Published by:
Amit B

Cashback credit cards are the simplest way to save on spends you’re already making — you spend, and real cash comes straight back, with no points to track or redemption puzzles to solve. At SpendWisely, we compare the best cashback credit cards in India across everyday categories like online shopping, groceries, bill payments, dining, and fuel, so you can find the card that puts the most money back in your pocket.


But not every “cashback card” actually gives you cash — many return points, vouchers, or credits with conditions attached. On this page, we focus only on cards that give real, usable cashback, credited directly to your statement. Compare effective rates, annual fees, spend caps, and welcome benefits, and apply for the card that delivers the most genuine savings for your lifestyle.

Top Cashback Credit Cards in India

Axis Bank Olympus Credit Card
(4.4/5)

Axis Bank Olympus Credit Card

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 23600
Renewal fee + GST ₹ 23600
Base Reward Rate 4%
Accelerated Reward Rate 10%
Full Details
PhonePe SBI Select Black Credit Card
(4.2/5)

PhonePe SBI Select Black Credit Card

Entry Level Paid Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 1769
Renewal fee + GST ₹ 1769
Base Reward Rate 1%
Accelerated Reward Rate 10%
Full Details
Axis Bank Ace Credit Card
(3.8/5)

Axis Bank Ace Credit Card

Entry Level Paid Credit Cards Best For : Dining
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 589
Renewal fee + GST ₹ 589
Base Reward Rate 1.5%
Accelerated Reward Rate 5%
Full Details
American Express Gold Charge Card
(4/5)

American Express Gold Charge Card

Entry Level Paid Credit Cards Best For : Giftcards
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 1180
Renewal fee + GST ₹ 5310
Base Reward Rate 1%
Accelerated Reward Rate 9.33%
Full Details
BOB Eterna Credit Card from Bank of Baroda
(3.6/5)

BOB Eterna Credit Card from Bank of Baroda

Lifetime Free Credit Cards Best For : Forex Transactions
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 2949
Renewal fee + GST ₹ 2949
Base Reward Rate 0.75%
Accelerated Reward Rate 3.75%
Full Details