AU LIT
AU Small Finance Bank
Customisable rewards through separately purchased benefit packages
Annual fee: No annual fee
Best cashback credit cards in India
CardIQ’s sourced shortlist of 12 cashback credit cards in India, with fees, benefits and important trade-offs to verify.
How to choose
Compare eligible cashback rates, monthly caps, excluded transactions and annual fees—not only the headline percentage.
This is an editorial shortlist, not a personalised recommendation or approval ranking. Eligible cards are ordered by the completeness of their maintained sources and decision-critical details—not from best to worst. No issuer can pay to improve its position.
CheQ AU
AU Small Finance Bank
24 CheQ points per ₹200 on eligible partner-brand and CheQ-app purchases
Annual fee: No annual fee
CASHBACK SBI Card
SBI Card
5% online and 1% offline cashback on eligible purchases
Annual fee: ₹999 + GST (waived on ₹2 lakh eligible annual spend)
PhonePe SBI Card PURPLE
SBI Card
3 points per ₹100 on eligible PhonePe categories; 2 per ₹100 on eligible online spends; 1 per ₹100 on other eligible spends
Annual fee: ₹499 + GST (waived on ₹1 lakh eligible annual spend)
PhonePe SBI Card SELECT BLACK
SBI Card
10 points per ₹100 on eligible PhonePe categories; 5 per ₹100 on eligible online spends; 1 per ₹100 on other eligible spends
Annual fee: ₹1,499 + GST (waived on ₹3 lakh eligible annual spend)
Samsung Axis Bank Signature
Axis Bank
10% cashback on eligible Samsung purchases, including eligible EMI purchases
Annual fee: ₹500 + GST (waived on over ₹2 lakh qualifying annual spend)
Flipkart SBI Card
SBI Card
5% cashback on Flipkart/Cleartrip, 7.5% on Myntra, 4% at selected merchants; 1% on other eligible spends
Annual fee: ₹500 + GST (waived on ₹3.5 lakh eligible annual spend)
Paytm SBI Card
SBI Card
3% value back in points on eligible Paytm travel purchases; 1% on other eligible purchases
Annual fee: ₹499 + GST
Paytm SBI Card SELECT
SBI Card
5% value back in points on eligible Paytm travel purchases; 1% on other eligible purchases
Annual fee: ₹1,499 + GST
Scapia Axis Bank
Axis Bank
4% travel redemption value on eligible Scapia-app flight, hotel and bus bookings
Annual fee: No annual fee
Google Pay Flex Axis Bank
Axis Bank
1 Star per cumulative ₹500 of eligible spending
Annual fee: No annual fee; fees currently waived per issuer page
AU Altura
AU Small Finance Bank
2% cashback on eligible groceries, departmental stores and utilities
Annual fee: ₹199 + GST (waived on ₹40,000 qualifying annual spend)
Check before applying
- Confirm the current fee, waiver threshold and applicable GST.
- Check reward caps, excluded transactions and redemption value.
- Open the card page to review dated issuer sources and CardIQ’s trade-offs.