Best Cashback Credit Cards in India (2026)

Want straightforward money back on your spending? These cards pay the highest, simplest cashback in India — no points to decode, just rupees back.

Our top pick for this is Amazon Pay ICICI — India's most popular lifetime-free card. Zero fees forever and strong cashback — especially for Amazon and Prime users — make it the easiest first card and an everyday default for online spenders.

#	Name	Score	Joining Fee	Annual Fee	Fee Waiver	Top Reward
1	Amazon Pay ICICITop pick	9.3/10	₹0	₹0 (LTF)	Lifetime free	5% on Amazon (Prime)
2	Axis ACE	9.0/10	₹499	₹499	₹2L/yr spend	5% bill pay; 2% all
3	HDFC Millennia	8.8/10	₹1,000	₹1,000	₹1L/yr spend	5% on partners; 1%
5	Flipkart Axis	8.4/10	₹500	₹500	₹3.5L/yr spend	5% Flipkart; 4% partners

Best overall

Amazon Pay ICICI

India's most popular lifetime-free card. Zero fees forever and strong cashback — especially for Amazon and Prime users — make it the easiest first card and an everyday default for online spenders.

9.3

/ 10

Joining Fee: ₹0
Annual Fee: ₹0 (LTF)
Fee Waiver: Lifetime free
Top Reward: 5% on Amazon (Prime)

Truly lifetime-free
5% back for Amazon Prime users
Easy approval, great first card

Best value only inside Amazon
No lounge access
Cashback as Amazon Pay balance

View details Official site

Axis ACE

A flat-rate cashback workhorse. Market-leading cashback on bill payments and food delivery plus a clean 2% on everything else make it one of the best value cards in India.

9.0

/ 10

Joining Fee: ₹499
Annual Fee: ₹499
Fee Waiver: ₹2L/yr spend
Top Reward: 5% bill pay; 2% all

5% on Google Pay bill payments
2% flat cashback everywhere
Low fee, easy to waive

Caps on bonus categories
Fee unless ₹2L/yr spend
No premium perks

View details Official site

HDFC Millennia

A popular cashback card for multi-platform online shoppers, returning 5% on a wide set of partners (Amazon, Flipkart, Myntra, Swiggy and more) and 1% on everything else.

8.8

/ 10

Joining Fee: ₹1,000
Annual Fee: ₹1,000
Fee Waiver: ₹1L/yr spend
Top Reward: 5% on partners; 1%

5% across many online partners
Wide acceptance & HDFC offers
Lounge access vouchers

Monthly cashback caps
₹1,000 fee unless ₹1L spend
1% base rate is modest

View details Official site

Flipkart Axis

The go-to card for Flipkart and Myntra regulars: 5% unlimited cashback on Flipkart, 4% on preferred partners and 1.5% everywhere else, on a low annual fee.

8.4

/ 10

Joining Fee: ₹500
Annual Fee: ₹500
Fee Waiver: ₹3.5L/yr spend
Top Reward: 5% Flipkart; 4% partners

5% unlimited on Flipkart
4% on Swiggy, PVR, cult.fit, etc.
1.5% everywhere else

High waiver threshold
Best only for Flipkart users
No lounge on base card

View details Official site

Other card picks by need

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Fees and rewards indicative as of June 2026 and change often — confirm on the bank's site before applying. A credit card is borrowing; pay in full to avoid interest. Information only, not financial advice.