← The travel board at this band
Which cashback card pays you at ₹40,000 a month?
These cards pay you in rupees. Nothing they earn can become an award seat — no lounge quota, no transfer route worth taking, no travel co-brand, no travel accelerator, and a foreign markup at India's norm. That is why they are not on the travel board, and it is the only reason: every figure, rank and verdict here is the desk's own, computed exactly as it is over there.
153 cashback cards you could be issued today · keep-rated first
Keep-rated cards first, then downgrade, then cancel; inside a tier, the higher net value sits higher; a tie goes to our editorial rank — which is the rank this desk gives the card across the whole board, not a rank inside this list. Priced at ₹40,000 a month, the the low end of this band.
Google Pay Flex Axis Bank₹7,700a yearb/e first rupeeAU Xcite Ace Credit Card₹7,200a yearb/e ₹8kHSBC Live+Income floor ₹50,000 a month, per the issuer.cuts fuel₹6,800a yearb/e ₹6kAxis Bank ACEcuts fuel₹6,800a yearb/e ₹3kIndianOil RBL Bank XTRA Credit Cardcuts utilities₹6,300a yearb/e ₹14kRBL Apex₹3,000 of this is a voucher — ₹0 if you don't use it.cuts utilities and fuel₹6,000a yearb/e ₹10kDhi CUB Visa Signature₹6,000a yearb/e first rupeeESAF INORI RuPay Platinum₹6,000a yearb/e first rupeeIDBI Bank LIC Eclat Selectcuts fuel₹5,400a yearb/e first rupeeslice UPI Credit Card₹4,800a yearb/e first rupeeUtkarsh superCard₹4,800a yearb/e first rupeeRBL Movies and Morecuts utilities and fuel₹4,800a yearb/e ₹15k (waiver)YES PaisaSave₹4,800a yearb/e ₹5kYES PaisaSave RuPay₹4,800a yearb/e first rupeeIDFC FIRST Hello Cashback₹4,800a yearb/e ₹9kIDFC FIRST Quantum+₹4,800a yearb/e first rupeeAirtel Axis Bank Credit Card₹4,800a yearb/e ₹5kSBM MobiKwik First Credit Card₹4,800a yearb/e first rupeeSnapdeal BOBCARD₹4,600a yearb/e ₹3kFibe Axis Bank Credit Cardcuts fuel₹4,500a yearb/e first rupee
133 more cashback cards, in the same order
Flipkart SBI Cardcuts fuel₹4,500a yearb/e ₹5kAxis Bank Freecharge Pluscuts fuel₹4,500a yearb/e ₹4kPaytm HDFC Bank Digitalcuts fuel₹4,500a yearb/e ₹2kSwiggy Ornge HDFC Bank Credit CardIncome floor ₹20,000 a month, per the issuer.cuts fuel₹4,500a yearb/e ₹5kSwiggy BLCK HDFC Bank Credit CardIncome floor ₹1,00,000 a month, per the issuer.cuts fuel₹4,500a yearb/e ₹9kSwiggy HDFC Bank Credit Cardcuts fuel₹4,500a yearb/e ₹5kAU SPONT Credit Card₹4,500a yearb/e ₹3kStandard Chartered Smartcuts fuel₹4,500a yearb/e ₹5kBOBCARD Cashback₹4,300a yearb/e ₹5kIDBI Bank LIC Lumine₹4,200a yearb/e first rupeeRBL Aspire Bankingcuts utilities and fuel₹4,000a yearb/e ₹15kCASHBACK SBI CardIncome floor ₹1 a month, per the issuer.cuts utilities and fuel₹4,000a yearb/e ₹10kAxis Bank SuperMoney RuPaycuts utilities and fuel₹4,000a yearb/e first rupeeUtkarsh SmartGen Credit Cardcuts utilities and fuel₹4,000a yearb/e ₹2kRBL Paisabazaar Duetcuts utilities and fuel₹4,000a yearb/e first rupeeDCB PayLess Select Credit Card₹4,000 of this is a fixed-₹ credit, not points — ₹0 if you don't use it.cuts fuel₹4,000a yearb/e ₹18k (waiver)Paisabazaar Paisa Plus Credit Cardcuts utilities and fuel₹4,000a yearb/e ₹5k (waiver)HSBC RuPay CashbackIncome floor ₹50,000 a month, per the issuer.cuts fuel₹3,600a yearb/e ₹5kRBL Signature Bankingcuts utilities and fuel₹3,500a yearb/e ₹25kEazyDiner IndusInd Platinum₹1,600 of this is a fixed-₹ credit, not points — ₹0 if you don't use it.₹3,500a yearb/e first rupeeAxis Bank Cashbackcuts fuel₹3,300a yearb/e ₹13kRBL Bank DMI Financecuts utilities and fuel₹3,200a yearb/e ₹20kPVR INOX Kotak₹3,100a yearb/e ₹10kUnion UNI-CARBON₹3,100a yearb/e ₹9k (waiver)LIC Axis Bank Platinumcuts utilities and fuel₹2,900a yearb/e first rupeeIndusInd Platinumcuts fuel₹2,700a yearb/e first rupeeIndusInd Platinum RuPaycuts fuel₹2,700a yearb/e first rupeeIndusInd Duo₹2,400a yearb/e first rupeeRBL BankBazaar SaveMax Pro₹2,400a yearb/e ₹17kIndusInd Samman RuPay₹2,400a yearb/e ₹2kAU Zaggle Credit Card₹2,400a yearb/e first rupeeStandard Chartered Manhattan₹2,400a yearb/e ₹10k (waiver)Utkarsh Wish Credit Card₹2,400a yearb/e first rupeePNB Kiwi₹2,400a yearb/e ₹13k (waiver)Paytm HDFC Bank Mobilecuts fuel₹2,300a yearb/e ₹3k (waiver)ICICI Bank HPCL Coral Credit Card₹2,300a yearb/e ₹4kIndianOil HDFC Bank Credit Card₹2,300a yearb/e ₹5k (waiver)IndianOil Kotak Credit Card₹2,300a yearb/e ₹5k (waiver)AU Prathama Credit Card₹2,300a yearb/e ₹4kKotak Cashback+cuts utilities₹2,200a yearb/e ₹14kKotak Cashback+ Primecuts utilities₹2,200a yearb/e ₹14kIDBI Bank Aspire Platinum₹2,200a yearb/e first rupeeIndianOil RBL Bank Credit Cardcuts utilities₹2,200a yearb/e ₹10kICICI Bank Platinum Chip Credit CardIncome floor ₹20,000 a month, per the issuer.cuts fuel₹2,100a yearb/e first rupeeAxis Bank Shoppers Stop Credit Cardcuts utilities and fuel₹2,000a yearb/e ₹10k (waiver)BOBCARD Swavlamban₹1,900a yearb/e first rupeeRBL Cookies₹1,000 of this is a voucher — ₹0 if you don't use it.cuts utilities and fuel₹1,800a yearb/e ₹6k (waiver)Federal RuPay Wave Credit Card₹1,600a yearb/e first rupeeSuryoday SFB RuPay Platinumcuts utilities, travel and fuel₹1,500a yearb/e ₹3k (waiver)Suryoday SFB RuPay Selectcuts utilities, travel and fuel₹1,500a yearb/e ₹4kCUB CSK RuPay Platinumcuts utilities and fuel₹1,300a yearb/e first rupeeCUB SRH RuPay Platinumcuts utilities and fuel₹1,300a yearb/e first rupeeBPCL SBI Card₹1,200a yearb/e ₹9k (waiver)HDFC Bank UPI RuPay Mega Saver₹1,200a yearb/e ₹3k (waiver)YES Bank FinBooster₹1,200a yearb/e first rupeeYES FinBooster RuPay₹1,200a yearb/e first rupeeYES Bank anQ Pi₹1,200a yearb/e first rupeePRAGATI BOBCARD (RRB)₹1,200a yearb/e ₹3k (waiver)Nainital Bank RENAISSANCE₹1,200a yearb/e ₹3k (waiver)AU Altura Credit Card₹600 of this is a fixed-₹ credit, not points — ₹0 if you don't use it.cuts fuel₹1,200a yearb/e ₹2kAU Tejas Credit Card₹1,200a yearb/e ₹13k (waiver)AU InstaPay RuPay Credit Card₹1,200a yearb/e first rupeeNainital Bank RENAISSANCE BOBCARD₹1,200a yearb/e ₹3k (waiver)UJJIVAN SFB Platinum BOBCARD₹1,200a yearb/e first rupeePNB VISA Classic₹1,200a yearb/e first rupeeYES BANK RuPay Virtual₹1,200a yearb/e first rupeeAditya Birla Capital AU Flex₹1,200a yearb/e first rupeeAditya Birla Capital AU Nxt₹1,200a yearb/e first rupeeHDFC Bank UPI RuPaycuts fuel₹1,100a yearb/e ₹3k (waiver)HDFC Bank MoneyBack+Income floor ₹20,000 a month, per the issuer.cuts fuel₹1,100a yearb/e ₹5k (waiver)Reliance SBI Cardcuts fuel₹1,100a yearb/e ₹9k (waiver)PNB VISA Platinum₹1,100a yearb/e ₹13kRBL Platinum Choicecuts utilities and fuel₹1,000a yearb/e ₹5k (waiver)RBL Bingecuts utilities and fuel₹1,000a yearb/e ₹10k (waiver)RBL Shopritecuts utilities and fuel₹1,000a yearb/e ₹15k (waiver)RBL Patanjali Vishishtcuts utilities and fuel₹1,000a yearb/e ₹15k (waiver)RBL BankBazaar SaveMaxcuts utilities and fuel₹1,000a yearb/e first rupeeYES Bank POP-CLUB₹1,000a yearb/e ₹13k (waiver)PM SVANidhi BOBCARD₹1,000a yearb/e first rupeeDCB PayLess Platinum Credit Card₹1,000 of this is a fixed-₹ credit, not points — ₹0 if you don't use it.cuts fuel₹1,000a yearb/e ₹5k (waiver)BOBCARD Easy (FD Backed)₹1,000a yearb/e first rupeeBOBCARD Select (FD Backed)₹1,000a yearb/e first rupeeIndusInd ePay Amex₹900a yearb/e first rupeePNB VISA Gold₹900a yearb/e ₹10kSimplySAVE SBI Cardcuts fuel₹800a yearb/e ₹9k (waiver)RBL Bank SalarySe UPcuts utilities and fuel₹800a yearb/e ₹20k (waiver)Equitas Tiga₹700a yearb/e ₹10k (waiver)Standard Chartered Platinum Rewards₹600a yearb/e ₹13kShoppers Stop HDFC Bankcuts groceries and fuel₹500a yearb/e ₹16kRBL Platinum Advantagecuts utilities and fuel₹500a yearb/e ₹20kRBL Bank QuickPay₹500a yearb/e ₹7kRBL Bank Shoppers Stop Goldcuts utilities, travel and fuel₹500a yearb/e ₹27kUtkarsh Rhodium Credit Cardcuts utilities and fuel₹0a yearb/e ₹40kRBL Bank Shoppers Stop Platinumcuts utilities, travel and fuelcosts you₹3,500a year at this spendb/e ₹79kUnity Bank BharatPe Credit Card₹9,600a yearb/e first rupeeRBL Platinum ShopGaincuts fuel₹7,100a yearb/e ₹14k (waiver)Utkarsh Eternal Credit Cardcuts utilities and fuel₹5,000a yearb/e ₹15k (waiver)RBL Platinum Delightcuts utilities and fuel₹5,000a yearb/e ₹6kUnion Bank VISA Signature₹4,800a yearb/e ₹17kPaytm HDFC Bankcuts fuel₹4,500a yearb/e ₹5k (waiver)Flipkart Axis Bank Credit Cardcuts utilities and fuel₹4,000a yearb/e ₹5kRBL Paisabazaar Duet Pluscuts utilities and fuel₹3,600a yearb/e ₹15kYES Bank BYOC (Cashback)₹3,600a yearb/e ₹10kIndusInd Bank Nexxt Credit Card₹2,600a yearb/e first rupeeLandmark Rewards SBI Cardcuts fuel₹2,600a yearb/e ₹18kUnion Bank RuPay Platinum₹2,400a yearb/e ₹3k (waiver)Kotak 811 Credit Card₹1,200 of this is a fixed-₹ credit, not points — ₹0 if you don't use it.₹2,400a yearb/e ₹5k (waiver)Union Bank VISA Platinum₹2,400a yearb/e ₹5k (waiver)IDFC FIRST EA₹N₹2,400a yearb/e ₹9k (waiver)CUB CSK Master Platinumcuts utilities and fuel₹2,400a yearb/e ₹17kCUB SRH Master Platinumcuts utilities and fuel₹2,400a yearb/e ₹17kYES Bank ACE₹2,300a yearb/e ₹5k (waiver)IDBI Bank Imperium Platinum₹2,200a yearb/e ₹7k (waiver)YES Bank Wellness₹1,900a yearb/e ₹9kKotak UPI RuPaycuts fuel₹1,400a yearb/e first rupeeEquitas Selfe Secured₹1,400a yearb/e ₹24kVarunah BOBCARD₹1,200a yearb/e first rupeeBOBCARD VIKRAM₹1,200a yearb/e first rupeeRBL Platinum Maxcuts utilities and fuel₹1,000a yearb/e ₹20kRBL Platinum Primecuts utilities and fuel₹1,000a yearb/e ₹20kRBL Platinum Pluscuts utilities and fuel₹1,000a yearb/e ₹10k (waiver)BOBCARD Select₹1,000a yearb/e ₹6k (waiver)BOBCARD Easy₹1,000a yearb/e ₹3k (waiver)Paisabazaar Step-Up SBM Credit Cardcuts utilities and fuel₹1,000a yearb/e first rupeeAxis Bank Kwikcuts fuel₹900a yearb/e first rupeeHDFC Bank FreedomIncome floor ₹12,000 a month, per the issuer.cuts fuel₹300a yearb/e ₹5k (waiver)RBL Bank Shoppers Stop Blackcuts utilities, travel and fuelcosts you₹8,500a year at this spendb/e ₹1.4LYES BANK EMIIncome floor ₹25,000 a month, per the issuer.₹4,800a yearb/e ₹5kYES Prosperity Cashback+₹2,100a yearb/e ₹17kYES Prosperity Cashback₹1,400a yearb/e ₹17kUnion Bank VISA Gold₹1,200a yearb/e ₹3k (waiver)RBL EasySavercuts fuelcosts you₹200a year at this spendb/e ₹71kRBL MyFirstcuts fuelcosts you₹700a year at this spendb/e ₹1.5L
244 cards that DO earn a travel benefit — the travel board → Or just tell me the best one → Every card we carry, and why →