Best cashback credit cards
Flat % back on everyday spend.
🇮🇳 India
HDFC Millennia
HDFC Bank
Online shoppers spending ₹15K–50K/month
SBI SimplyClick
SBI Card
First card for online buyers, low entry fee
Axis ACE
Axis Bank
Bill payments + utilities + fuel, set-and-forget cashback
Amazon Pay ICICI
ICICI Bank
Heavy Amazon shoppers, best free card in India
Tata Neu Infinity HDFC
HDFC Bank
Tata ecosystem users, Croma, BigBasket, AirAsia, Westside, Taj
Flipkart Axis Bank
Axis Bank
Flipkart loyalists who also use Myntra and Cleartrip
ICICI Coral
ICICI Bank
Entry-tier card, easy approval, decent base earning, low fee.
SBI Cashback
SBI Card
Pure online cashback, 5% on any online merchant, no partner restrictions.
AU Bank LIT
AU Small Finance Bank
Pick-your-own-categories, toggle 5x on the categories you spend in.
Standard Chartered Smart
Standard Chartered
Entry tier alternative, flat 2% on online spends.
IDFC FIRST Select
IDFC FIRST Bank
Lifetime-free with surprisingly strong reward earn rates.
Kotak Royale Signature
Kotak Mahindra Bank
Mid-tier shopping/dining card with solid fee waiver economics.
HDFC Swiggy
HDFC Bank
Heavy Swiggy/Instamart users, 10% on the platform tops anything else.
HDFC MoneyBack+
HDFC Bank
Entry-level cashback with very low waiver bar.
HDFC Pixel
HDFC Bank
Gen Z first card, fully digital, instant approval, customizable art.
HDFC Smart Pay
HDFC Bank
Lowest-fee credit card from HDFC, utility-only.
ICICI Platinum Chip
ICICI Bank
Lifetime free entry-tier ICICI card.
ICICI Rubyx
ICICI Bank
Step up from Coral, adds dual-network and milestone rewards.
ICICI HPCL Coral
ICICI Bank
Fuel-heavy spenders at HPCL pumps.
SBI Prime
SBI Card
Step up from SimplyClick with lounge access.
SBI BPCL Octane
SBI Card
Highest fuel cashback in India, 7.25% effective at BPCL pumps.
Axis MyZone
Axis Bank
Entry-tier with strong entertainment partnerships.
IDFC FIRST Wow
IDFC FIRST Bank
Secured card backed by FD, accessible to thin-credit-file applicants.
🇺🇸 United States
Citi Double Cash
Citi
Set-it-and-forget-it 2% on everything
Chase Freedom Unlimited
Chase
No-fee everyday card; pairs perfectly with Sapphire Preferred
Discover it Cash Back
Discover
Rotating-category optimizers; first card for thin-credit-file applicants
Bank of America Travel Rewards
Bank of America
No-fee travel, 1.5x flat with no FX markup, plus Preferred Rewards bumps
EXPRESS
Amex Blue Cash Preferred
American Express
Suburban families with kids, best US-supermarket card.
Chase Freedom Flex
Chase
No-fee rotating cashback for category optimizers.
Capital One Quicksilver
Capital One
No-fee, no-thinking 1.5% on everything.
Citi Custom Cash
Citi
Auto-detects your top spend category each cycle, set-and-forget.
Wells Fargo Active Cash
Wells Fargo
No-fee 2% flat, competitive with Citi Double Cash.
Apple Card
Goldman Sachs / Apple
Apple ecosystem users, daily cashback, instant in Wallet.
EXPRESS
Amex Blue Cash Everyday
American Express
No-fee Amex with 3% supermarket, Blue Cash Preferred minus the fee.
Chase Ink Business Cash
Chase
No-fee small-business card, 5% on office supplies, internet, cable.
Capital One Spark Cash Plus
Capital One
High-spend small business, 2% flat with $1,200 welcome.
Wells Fargo Reflect
Wells Fargo
21-month 0% intro APR, best balance-transfer card on the market.
Bank of America Customized Cash
Bank of America
Choose your 3% category each month, no rotation needed.
US Bank Cash+
US Bank
5% on 2 chosen categories + 2% on 1 chosen, fully customizable.
Best cashback credit cards, common questions
Every figure below is read from our card catalog at build time, so it cannot drift from the card pages.
How many cashback credit cards are compared here?
39 cashback cards, 23 from India and 16 from the US. India and US cards are listed separately because their fees, income rules and reward currencies do not compare directly.
Which cashback credit cards have no annual fee?
20 of the 39 cashback cards listed here carry no annual fee: Amazon Pay ICICI, Amex Blue Cash Everyday, Apple Card and AU Bank LIT, and 16 more. A zero annual fee does not mean zero cost; check the joining fee and the foreign transaction markup on each card page before you apply.
How much do these cashback cards cost per year?
Annual fees across the 39 cashback cards on this page run ₹0 to ₹2,999 (highest: SBI Prime); and $0 to $150 (highest: Capital One Spark Cash Plus). Fee waivers on annual spend are common in India and rare in the US, so read the waiver threshold rather than the headline fee.
Which of these cashback cards is cheapest on foreign spend?
5 of these cards charge 0% on foreign currency transactions, among them Apple Card, Bank of America Travel Rewards and Capital One Quicksilver, and 2 more. That is the lowest markup among the 38 cards here whose rate we have confirmed against the issuer. The other 1 card is left out of this answer because its markup is not yet verified, and we do not publish an unverified rate.
What income do you need for these cashback cards?
Of the 22 cards here that state an income requirement, the lowest bar is the HDFC Smart Pay at ₹1,80,000 a year. Issuer income figures are guidelines rather than hard cutoffs, and US issuers generally publish none at all.