# Cashback credit cards in India, by rate and cap · Brief

32 cards issued today pay cashback in rupees. The highest rate on everyday spend outside any category is 1.5%, on Axis Bank ACE.

Every card issued today that pays cashback rather than points, highest headline rate first. Each line is the bank’s own rule, with its cap as the bank states it.

32 cards · current to 21 October 2026

## Cashback credit cards (32)

- [Airtel Axis Bank](https://getbrief.cards/cards/axis-airtel): Highest rate 25% · 25% Airtel mobile/broadband/DTH via Thanks app · Everything else: 1% · ₹500 fee, waivable · 3.5% forex · verified · checked 14 June 2026
- [HSBC RuPay Cashback](https://getbrief.cards/cards/hsbc-rupay-cashback): Highest rate 10% · 10% cashback dining/food-delivery/grocery · ₹400/mo cap shared with the 1% base tier · Everything else: 1% · ₹499 fee, waivable · 0% forex · lounge · verified · checked 26 August 2026
- [Samsung Axis Bank Signature](https://getbrief.cards/cards/axis-samsung-signature): Highest rate 10% · 10% cashback on Samsung purchases (Samsung.com/app, Pine Labs/Benow POS, Amazon.in, Flipkart, PayU service centres), cap ₹2,500/mo and ₹10,000/yr · no EDGE RP on Samsung spends · ₹500 fee, waivable · 3.5% forex · lounge · ✓ official · checked 10 July 2026
- [Swiggy HDFC Bank](https://getbrief.cards/cards/hdfc-swiggy): Highest rate 10% · 10% on Swiggy app incl. Instamart + Dineout (cap ₹1,500/cycle, min txn ₹249) · Everything else: 1% · ₹500 fee, waivable · 3.5% forex · 1 status · verified · checked 20 June 2026
- [Swiggy BLCK HDFC Bank Credit Card](https://getbrief.cards/cards/hdfc-swiggy-blck): Highest rate 10% · 10% on Swiggy app incl. Instamart + Dineout (min txn ₹249, cap ₹1,500/month) · Everything else: 1% · ₹1,000 fee, waivable · 3.5% forex · verified · checked 28 June 2026
- [RBL Cookies](https://getbrief.cards/cards/rbl-cookies): Highest rate 10% · 10% cashback Myntra, cap ₹300/mo · ₹1,200 fee, waivable · 3.5% forex · ✓ official · checked 11 July 2026
- [Flipkart Axis Bank](https://getbrief.cards/cards/flipkart-axis): Highest rate 7.5% · 7.5% Myntra (cap ₹4K/statement-qtr) · Everything else: 1% · ₹500 fee, waivable · 3.5% forex · verified · checked 13 June 2026
- [Flipkart SBI Card](https://getbrief.cards/cards/flipkart-sbi): Highest rate 7.5% · 7.5% at Myntra, cap ₹4,000/statement quarter · Everything else: 1% · ₹500 fee, waivable · 3.5% forex · verified · checked 3 July 2026
- [Amazon Pay ICICI](https://getbrief.cards/cards/amazon-pay-icici): Highest rate 5% · 5% Amazon (Prime) / 3% (non-Prime) · Everything else: 1% · lifetime free · 1.99% forex · verified · checked 13 June 2026
- [HDFC PIXEL Go](https://getbrief.cards/cards/hdfc-pixel-go): Highest rate 5% · 5% SmartBuy (IGP/flights/hotels/bus/rail/vouchers/Apple Imagine Tresor), cap 500 CP/mo · Everything else: 1% · ₹250 fee, waivable · 3.5% forex · ✓ official · checked 21 June 2026
- [Axis Freecharge Plus](https://getbrief.cards/cards/axis-freecharge-plus): Highest rate 5% · 5% cashback on Freecharge in-app/on-deck spends · the ₹500/mo cap shared with the other tiers is not in the issuer's terms · Everything else: 1% · ₹350 fee, waivable · verified · checked 26 August 2026
- [Axis Bank ACE](https://getbrief.cards/cards/axis-ace): Highest rate 5% · 5% utilities/recharge via Google Pay only (₹500/mo shared cap) · other utilities earn 0% · Everything else: 1.5% · ₹499 fee, waivable · 3.5% forex · lounge · verified · checked 14 June 2026
- [BOBCARD Cashback](https://getbrief.cards/cards/bobcard-cashback): Highest rate 5% · 5% on domestic e-commerce (1% base + 4% extra, extra capped at ₹1,500 a statement) · needs 4+ transactions a cycle, min ₹100 · Everything else: 1% · ₹499 fee · 3.5% forex · verified · checked 16 July 2026
- [HDFC PIXEL Play](https://getbrief.cards/cards/hdfc-pixel-play): Highest rate 5% · 5% SmartBuy (IGP/flights/hotels/bus/rail/vouchers/Apple Imagine Tresor), cap 500 CP/mo · Everything else: 1% · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 21 June 2026
- [Swiggy ORNGE HDFC Bank](https://getbrief.cards/cards/hdfc-swiggy-ornge): Highest rate 5% · 5% on select online (min ₹100, cap ₹1,500/cycle): apparel, pharma, pet, personal care, cabs, electronics, travel, plus Amazon, Flipkart, Nykaa, Cleartrip, Ola, Uber, Meesho · Everything else: 1% · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 10 July 2026
- [Kotak Cashback+ Credit Card](https://getbrief.cards/cards/kotak-cashback-plus): Highest rate 5% · 5% cashback online food/grocery/entertainment (combined ₹500/mo cap with fuel) · Everything else: 0.5% · ₹750 fee · 3.5% forex · verified · checked 28 June 2026
- [Kotak Cashback+ Prime](https://getbrief.cards/cards/kotak-cbplus-prime): Highest rate 5% · 5% cashback on online food and grocery delivery, online entertainment, auto dealers · shares a 750 pts/cycle cap with the fuel rate · Everything else: 0.5% · ₹750 fee · 3.5% forex · ✓ official · checked 26 August 2026
- [Standard Chartered Super Value Titanium](https://getbrief.cards/cards/sc-super-value-titanium): Highest rate 5% · 5% utility cashback only via SC BillPay (min ₹750/txn, cap ₹100/mo) · ₹750 fee, waivable · 3.5% forex · 1 status · ✓ official · checked 26 August 2026
- [SBI Cashback](https://getbrief.cards/cards/sbi-cashback): Highest rate 5% · 5% on all online spend (cap ₹2,000/cycle, from 1 Apr 2026) · excluded categories earn nothing · Everything else: 1% · ₹999 fee, waivable · 3.5% forex · verified · checked 11 June 2026
- [HDFC Millennia](https://getbrief.cards/cards/hdfc-millennia): Highest rate 5% · 5% CashPoints on 10 online merchants (cap ₹1,000/mo) · Everything else: 1% · ₹1,000 fee, waivable · 3.5% forex · lounge · ✓ official · checked 14 June 2026
- [ICICI HPCL Super Saver](https://getbrief.cards/cards/icici-hpcl-super-saver): Highest rate 4% · 4% cashback at HPCL pumps, capped at ₹200/month · plus a 1% surcharge waiver on txns of ₹400 to ₹4,000 (5% in all) · ₹500 fee, waivable · 3.5% forex · 1 transfer partner · lounge · verified · checked 3 July 2026
- [Adani One ICICI Bank Platinum Credit Card](https://getbrief.cards/cards/adani-one-plat): Highest rate 4% · 4% cashback via iShop (capped 1,100/mo, 500/day) · ₹750 fee, waivable · 3.5% forex · lounge · community-verified · checked 20 June 2026
- [MakeMyTrip ICICI Bank](https://getbrief.cards/cards/icici-makemytrip): Highest rate 4% · 4% cashback via iShop (capped 1,100/mo, 500/day) · ₹999 fee, waivable · 0.99% forex · lounge · 1 status · ✓ official · checked 14 June 2026
- [Emirates Skywards ICICI Bank Rubyx](https://getbrief.cards/cards/es-icici-rubyx): Highest rate 4% · 4% cashback via iShop (capped 1,100/mo, 500/day) · ₹1,000 fee · 3.5% forex · 2 transfer partners · lounge · verified · checked 19 June 2026
- [Adani One ICICI Bank Signature Credit Card](https://getbrief.cards/cards/adani-one-sig): Highest rate 4% · 4% cashback via iShop (capped 1,100/mo, 500/day) · ₹5,000 fee, waivable · 3.5% forex · lounge · community-verified · checked 20 June 2026
- [Emirates Skywards ICICI Bank Sapphiro](https://getbrief.cards/cards/es-icici-sapphiro): Highest rate 4% · 4% cashback via iShop (capped 1,100/mo, 500/day) · ₹5,000 fee · 3.5% forex · 2 transfer partners · lounge · 2 statuses · verified · checked 19 June 2026
- [Emirates Skywards ICICI Bank Emeralde](https://getbrief.cards/cards/es-icici-emeralde): Highest rate 4% · 4% cashback via iShop (capped 1,100/mo, 500/day) · ₹10,000 fee · 3.5% forex · 2 transfer partners · lounge · 3 statuses · verified · checked 19 June 2026
- [ICICI HPCL Coral](https://getbrief.cards/cards/icici-hpcl-coral): Highest rate 2.5% · 2.5% cashback at HPCL pumps, cap ₹100/mo, min ₹500/txn · separate 1% surcharge waiver needs an ICICI POS, txn ₹400 to ₹4,000 (3.5% savings in all) · HP Pay wallet loads do not qualify for the waiver · ₹199 fee, waivable · 3.5% forex · 1 transfer partner · verified · checked 16 July 2026
- [AU Altura](https://getbrief.cards/cards/au-altura): Highest rate 2% · 2% cashback on grocery, departmental, utility, cap ₹50/statement cycle (reached at ₹2,500 spend) · Everything else: 1% · ₹199 fee, waivable · 3.49% forex · lounge · verified · checked 16 July 2026
- [Yes Bank Kiwi (Neon)](https://getbrief.cards/cards/yes-kiwi-neon): Highest rate 1.5% · 1.5% on UPI scan & pay · 2% with the paid Neon add-on · Everything else: 0.5% · lifetime free · 3.5% forex · lounge · ✓ official · checked 14 June 2026
- [AU Altura Plus](https://getbrief.cards/cards/au-altura-plus): Highest rate 1.5% · 1.5% cashback on offline retail (cap ₹100/mo) · ₹499 fee · 3.49% forex · lounge · community-verified · checked 16 July 2026
- [AU SPONT Credit Card](https://getbrief.cards/cards/au-spont): Highest rate 1% · 1% cashback on all txns incl. UPI, cap ₹500/statement cycle · UPI coins have no published ₹ value · ₹299 fee · 3.49% forex · lounge · ✓ official · checked 1 September 2026

Cards that pay cashback, highest headline rate first, then lowest fee.

## Other lists

- [Lifetime free](https://getbrief.cards/lifetime-free-credit-cards)
- [No forex markup](https://getbrief.cards/zero-forex-markup-credit-cards)
- [Lounge access](https://getbrief.cards/lounge)
- [Every card](https://getbrief.cards/cards)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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