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Cashback credit cards

42 credit cards whose banks pay cashback on spends, with each cashback rate in the bank's own words.

Updated 18 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.

AU Small Finance Bank

  1. AU SPONT Credit Card

    • 1% Cashback on all transactions like eComm, POS, Contactless and even all UPI transactions made via any UPI channel; plus never-expiring coins on UPI transactions

    Annual fee ₹299 + GST

Axis Bank

  1. Airtel Axis Bank Credit Card

    • 1% cashback/base cashback on all other spends

    Annual fee ₹500

  2. Axis Bank Ace Credit Card

    • 1.5% cashback on all other spends

    Annual fee ₹499

  3. Flipkart Axis Bank Credit Card

    • 1% cashback on other eligible categories

    Annual fee ₹500

CSB Bank

  1. Edge CSB Bank Credit Card

    • 1% cashback on all online & offline spends

    Annual fee ₹0

DCB Bank

  1. PayLess Platinum Credit Card

    • ₹250 cashback upon spending ₹50,000 in a quarter

    Annual fee ₹350

HDFC Bank

  1. Flipkart Wholesale HDFC Bank Credit Card

    • 1% CashBack on all other spends

    Annual fee ₹499 + GST

  2. HDFC Bank Millennia Credit Card

    • 1% CashBack on other Spends

    Annual fee ₹1,000 + GST

  3. Paytm Credit Card

    • 1% cashback on all other retail transactions, 3% on Paytm purchases (recharge, utility payments, movies, Mini App) and 2% on all other Paytm spends

    Annual fee ₹500 + GST

  4. Paytm Digital Credit Card

    • 1% CashBack on all retail purchases, including Paytm transactions (Capped at Rs.500 per month)

    Annual fee ₹149 + GST

  5. Paytm Mobile Credit Card

    • 0.5% CashBack on all other retail transactions

    Annual fee ₹149 + GST

HSBC India

  1. Live+ Card

    • 1.5% unlimited cashback on most other spends

    Annual fee ₹999

  2. RuPay Cashback Card

    • 1% cashback on all other eligible spends

    Annual fee ₹499

IDFC FIRST Bank

  1. FIRST EA₹N Credit Card

    • 1% cashback on all UPI spends through IDFC FIRST Bank mobile app and 0.5% cashback on all other spends

    Annual fee ₹499 + GST

  2. Hello Cashback

    • 1% Cashback on UPI spends done via IDFC FIRST Bank App; 1% Cashback on in-store card swipe

    Annual fee ₹1,000 + GST

  3. Quantum+ Credit Card

    • 1% Cashback on UPI spends done via IDFC FIRST Bank App; 1% Cashback on in-store purchases

    Annual fee ₹0

Kotak Mahindra Bank

  1. Kotak Cashback+ Credit Card

    • 0.5% unlimited cashback on other eligible spends

    Annual fee ₹750

SBI Card

  1. Cashback SBI Card

    • Card cashback of 5% on online transactions and 1% on offline transactions

    Annual fee Annual fee: Rs. 999 + taxes

  2. Eternal SBI Credit Card

    • Upto 5% Cashback on eligible spends with partner brands

    Annual fee ₹499 + GST

  3. Flipkart SBI Card

    • 1% Cashback on all other eligible spends

    Annual fee ₹500 + GST

  4. Paytm SBI Card

    • 1% Cashback on any other spends across millions of offline and online stores

    Annual fee ₹499

  5. Paytm SBI Card SELECT

    • 1% Cashback on any other spends across millions of offline and online stores

    Annual fee ₹1,499 + GST

Standard Chartered India

  1. DigiSmart Credit Card

    • Flat 2% cashback on online spends and 1% cashback on other spends

    Annual fee ₹49

  2. Smart Credit Card

    • 1% cashback on your other spends, up to a maximum of Rs 500 per month

    Annual fee ₹499 + GST

Suryoday Small Finance Bank

  1. Suryoday SFB RuPay Platinum Credit Card

    • 0.5% cashback (from 1 August)

    Annual fee ₹150 + GST

  2. Suryoday SFB RuPay Select Credit Card

    • 0.5% cashback (from 1 August)

    Annual fee ₹150 + GST

Unity Small Finance Bank

  1. Roarbank Credit Card

    • Up to 20% Cashback. Choose your Top 2 categories every month such as dining, groceries, transport, and more

    Annual fee ₹0

  2. Unity Bank BharatPe Credit Card

    • 2% cashback worth of Zillion Coins on Bill repayments

    Annual fee ₹0

Utkarsh Small Finance Bank

  1. Utkarsh Eternal Credit Card

    • 1.25% Cashback on all eligible transactions

    Annual fee ₹1,999

  2. Utkarsh Small Finance Bank Rhodium Card

    • 1.25% Cashback on all eligible transactions

    Annual fee ₹4,999

  3. Utkarsh SmartGen Credit Card

    • 1% Cashback on all eligible transactions

    Annual fee ₹199 + GST

  4. Utkarsh superCard

    • 1% cashback on all non-UPI and UPI credit card transactions

    Annual fee ₹0

YES Bank

  1. AI Inside Credit Card

    • Upto 3% cashback on spends

    Annual fee ₹0

  2. AI Inside RuPay Credit Card

    • Upto 3% cashback on spends

    Annual fee ₹0

  3. BYOC Credit Card

    • 1% cashback on all spends, or 8 RPs per INR 200

  4. EMI Credit Card

    • 1% cashback on all transactions that are not converted into EMI

    Annual fee ₹499 + GST