Skip to content

Best cashback credit cards in October 2026

HSBC Live+ comes first: it is worth ₹12,700 a year at ₹75,000 a month after the fee.

Verified 338 sources

The top 3

HSBC Live+ credit card

HSBC Live+

HSBC

₹12,700 a year at ₹75,000 a month

Ranked higher: its bonus category adds ₹10,400 a year

Keep Reward rate 1.5%–10%

The full ranking

166 cards, best first. Ranked by what each is worth a year at ₹75,000 a month, on a typical spending mix, after the fee. Bonus categories count; vouchers count at half. How we rank

Cashback: ranks 1 to 25
Card₹ a yearFee
1. HSBC Live+HSBC · break-even ₹6k · cuts fuel · Ranked higher: its bonus category adds ₹10,400 a year ₹12,700₹999 fee
2. Swiggy BLCK HDFC Bank Credit CardHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹14,300 a year ₹8,500₹1,000 fee
3. Swiggy Ornge HDFC Bank Credit CardHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹10,800 a year ₹8,500₹500 fee
4. Tata Neu Infinity HDFC BankHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹6,300 a year ₹12,700₹1,499 fee
5. Tata Neu Infinity SBI CardSBI Card · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹6,300 a year ₹12,700₹1,499 fee
6. CASHBACK SBI CardSBI Card · break-even ₹10k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹10,800 a year ₹7,600₹999 fee
7. HDFC Bank MillenniaHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹7,200 a year ₹12,500₹1,000 fee
8. Axis Bank CashbackAxis Bank · break-even ₹13k · cuts fuel · Ranked higher: its bonus category adds ₹10,900 a year ₹6,100₹1,000 fee
9. Axis Bank ACEAxis Bank · break-even ₹3k · cuts fuel · Ranked higher: its bonus category adds ₹3,200 a year ₹12,700₹499 fee
10. IDFC FIRST Hello CashbackIDFC FIRST Bank · break-even ₹9k · Ranked higher: its bonus category adds ₹7,300 a year ₹9,000₹1,000 fee
11. YES PaisaSaveYES Bank · break-even ₹5k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹6,800 a year ₹7,600₹0 joining + ₹499/yr
12. HDFC Bank PIXEL PlayHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹5,400 a year ₹8,500₹500 fee
13. Airtel Axis Bank Credit CardAxis Bank · break-even ₹5k · Ranked higher: its bonus category adds ₹4,300 a year ₹9,000₹500 fee
14. BOBCARD CashbackBOBCARD (Bank of Baroda) · break-even ₹7k · cuts groceries and fuel · Ranked higher: its bonus category adds ₹7,200 a year ₹5,300₹499 fee
15. Flipkart SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹3,600 a year ₹8,500₹500 fee
16. YES PaisaSave RuPayYES Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹4,500 a year ₹7,600₹0 fee, lifetime free
17. Federal Bank Paisabazaar Paisaback Credit CardFederal Bank · break-even ₹5k · Ranked higher: its bonus category adds ₹3,000 a year ₹9,000₹500 fee
18. AU Xcite Credit CardAU Small Finance Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹5,900 a year ₹5,900₹249 fee
19. Tata Neu Plus HDFC BankHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹3,200 a year ₹8,500₹499 fee
20. Fibe Axis Bank Credit CardAxis Bank · break-even: first rupee · cuts fuel · Ranked higher: its bonus category adds ₹3,200 a year ₹8,500₹0 fee, lifetime free
21. Axis Bank Freecharge PlusAxis Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹3,200 a year ₹8,500₹350 fee
22. Standard Chartered SmartStandard Chartered · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹6,100 a year ₹6,000₹499 fee
23. Paytm HDFC Bank SelectHDFC Bank · break-even ₹9k · cuts fuel ₹10,500₹1,000 fee
24. ESAF INORI RuPay PlatinumESAF Small Finance Bank · break-even: first rupee ₹11,300₹0 fee, lifetime free
25. Amazon Pay ICICI BankICICI Bank · Invite only · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹3,600 a year ₹7,600₹0 fee, lifetime free
Ranks 26 to 166 141 cards
  1. Axis Bank SuperMoney RuPay ₹7,600 · Ranked higher: its bonus category adds ₹3,600 a year
  2. Kotak Cashback+ Prime ₹4,100 · Ranked higher: its bonus category adds ₹7,300 a year
  3. RBL Signature Banking ₹11,100 · Invite only
  4. RBL Aspire Banking ₹10,600 · Invite only
  5. Kotak Cashback+ ₹4,100 · Ranked higher: its bonus category adds ₹6,700 a year
  6. Tata Neu Plus SBI Card ₹8,500 · Ranked higher: its bonus category adds ₹1,800 a year
  7. RBL Cookies ₹7,500 · Ranked higher: its bonus category adds ₹5,300 a year
  8. Standard Chartered Manhattan ₹4,500 · Ranked higher: its bonus category adds ₹5,200 a year
  9. Utkarsh Rhodium Credit Card ₹9,500 · Invite only
  10. IDBI Bank LIC Eclat Select ₹9,300
  11. HDFC PIXEL Go ₹8,500
  12. SBM MobiKwik First Credit Card ₹9,000
  13. Paisabazaar Paisa Plus Credit Card ₹7,600 · Ranked higher: its bonus category adds ₹1,400 a year
  14. Paytm HDFC Bank Digital ₹6,000 · Ranked higher: its bonus category adds ₹2,700 a year
  15. slice UPI Credit Card ₹8,500
  16. Snapdeal BOBCARD ₹5,500 · Ranked higher: its bonus category adds ₹2,700 a year
  17. RBL BankBazaar SaveMax Pro ₹4,100 · Invite only · Ranked higher: its bonus category adds ₹3,600 a year
  18. RBL Movies and More ₹5,600 · Ranked higher: its bonus category adds ₹2,000 a year
  19. Utkarsh SmartGen Credit Card ₹7,600 · Invite only
  20. Utkarsh superCard ₹7,600
  21. RBL Apex ₹8,000
  22. IndianOil HDFC Bank Credit Card ₹4,100 · Ranked higher: its bonus category adds ₹3,200 a year
  23. AU Xcite Ace Credit Card ₹7,200 · Invite only
  24. IDBI Bank LIC Lumine ₹7,000
  25. IndianOil Kotak Credit Card ₹3,800 · Ranked higher: its bonus category adds ₹2,900 a year
  26. IndusInd Platinum RuPay ₹5,100 · Ranked higher: its bonus category adds ₹1,600 a year
  27. Union UNI-CARBON ₹5,200 · Ranked higher: its bonus category adds ₹1,400 a year
  28. LIC Axis Bank Platinum ₹5,400 · Ranked higher: its bonus category adds ₹1,000 a year
  29. RBL Patanjali Vishisht ₹1,900 · Ranked higher: its bonus category adds ₹4,400 a year
  30. AU Zaggle Credit Card ₹4,500 · Ranked higher: its bonus category adds ₹1,500 a year
  31. IDFC FIRST Quantum+ ₹6,000
  32. HDFC Bank MoneyBack+ ₹2,100 · Ranked higher: its bonus category adds ₹3,600 a year
  33. RBL Paisabazaar Duet ₹6,000
  34. AU SPONT Credit Card ₹5,700
  35. Paytm HDFC Bank Mobile ₹4,200 · Ranked higher: its bonus category adds ₹1,100 a year
  36. Axis Bank Shoppers Stop Credit Card ₹3,800 · Ranked higher: its bonus category adds ₹1,600 a year
  37. IndusInd Platinum ₹5,100
  38. BPCL SBI Card ₹2,300 · Ranked higher: its bonus category adds ₹2,700 a year
  39. ICICI Bank HPCL Coral Credit Card ₹4,300
  40. HSBC RuPay Cashback ₹4,800
  41. SimplySAVE SBI Card ₹1,400 · Ranked higher: its bonus category adds ₹3,400 a year
  42. SimplySAVE UPI SBI Card ₹1,400 · Invite only · Ranked higher: its bonus category adds ₹3,400 a year
  43. AU Tejas Credit Card ₹2,100 · Ranked higher: its bonus category adds ₹2,600 a year
  44. RBL Shoprite ₹1,900 · Ranked higher: its bonus category adds ₹2,700 a year
  45. IndusInd Duo ₹4,500
  46. Utkarsh Wish Credit Card ₹2,400 · Ranked higher: its bonus category adds ₹1,800 a year
  47. AU Prathama Credit Card ₹4,100
  48. ICICI Bank Platinum Chip Credit Card ₹4,000
  49. EazyDiner IndusInd Platinum ₹4,800
  50. YES Bank POP-CLUB ₹1,500 · Ranked higher: its bonus category adds ₹2,200 a year
  51. Google Pay Flex Axis Bank ₹14,400 · Ranked lower: includes a promotional reward rate
  52. Shoppers Stop HDFC Bank ₹1,100 · Ranked higher: its bonus category adds ₹2,500 a year
  53. RBL Binge ₹1,900 · Ranked higher: its bonus category adds ₹1,700 a year
  54. Aditya Birla Capital AU Flex ₹2,300 · Ranked higher: its bonus category adds ₹1,400 a year
  55. Aditya Birla Capital AU Nxt ₹2,300 · Ranked higher: its bonus category adds ₹1,400 a year
  56. AU Altura Plus Credit Card ₹3,200
  57. IDBI Bank Aspire Platinum ₹3,400
  58. IndianOil RBL Bank XTRA Credit Card ₹10,100 · Ranked lower: includes points worth full value only in one app
  59. RBL Bank SalarySe UP ₹1,500 · Ranked higher: its bonus category adds ₹1,800 a year
  60. RBL Bank DMI Finance ₹3,700
  61. CUB CSK RuPay Platinum ₹2,500
  62. CUB SRH RuPay Platinum ₹2,500
  63. RBL BankBazaar SaveMax ₹1,900 · Ranked higher: its bonus category adds ₹1,400 a year
  64. PVR INOX Kotak ₹3,100
  65. Suryoday SFB RuPay Platinum ₹2,900
  66. Suryoday SFB RuPay Select ₹2,900
  67. RBL Bank Shoppers Stop Gold ₹3,500
  68. PRAGATI BOBCARD (RRB) ₹1,400 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  69. Nainital Bank RENAISSANCE BOBCARD ₹1,400 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  70. UJJIVAN SFB Platinum BOBCARD ₹1,400 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  71. HDFC Bank UPI RuPay ₹1,500 · Ranked higher: its bonus category adds ₹1,400 a year
  72. HDFC Bank UPI RuPay Mega Saver ₹1,500 · Ranked higher: its bonus category adds ₹1,400 a year
  73. YES BANK RuPay Virtual ₹2,300
  74. YES Bank FinBooster ₹1,900
  75. RBL Platinum Choice ₹1,900
  76. YES FinBooster RuPay ₹2,100
  77. YES Bank anQ Pi ₹2,100
  78. BOBCARD Select (FD Backed) ₹1,200 · Ranked higher: its bonus category adds ₹1,400 a year
  79. PNB VISA Platinum ₹2,500
  80. IndusInd Samman RuPay ₹2,400
  81. PNB VISA Classic ₹2,300
  82. BOBCARD Easy (FD Backed) ₹1,200 · Ranked higher: its bonus category adds ₹1,100 a year
  83. Federal RuPay Wave Credit Card ₹2,100
  84. DCB PayLess Select Credit Card ₹4,000 · Ranked lower: includes ₹4,000 in vouchers
  85. PNB VISA Gold ₹2,000
  86. BOBCARD Swavlamban ₹1,900
  87. PM SVANidhi BOBCARD ₹1,800 · Invite only
  88. Standard Chartered Platinum Rewards ₹1,300
  89. IndianOil RBL Bank Credit Card ₹4,100 · Ranked lower: includes points worth full value only in one app
  90. AU LIT Credit Card ₹1,700
  91. AU Altura Credit Card ₹1,200
  92. RBL Platinum Advantage ₹1,400
  93. Equitas Tiga ₹1,300
  94. AU InstaPay RuPay Credit Card ₹1,200
  95. IndusInd ePay Amex ₹1,100
  96. RBL Bank QuickPay ₹1,000 · Invite only
  97. DCB PayLess Platinum Credit Card ₹1,000
  98. RBL Bank Shoppers Stop Platinum ₹2,000
  99. Reliance SBI Card ₹2,100 · Ranked lower: includes points worth full value only in one app
  100. Dhi CUB Visa Signature ₹10,600 · Invite only · Ranked lower: includes a promotional reward rate
  101. Unity Bank BharatPe Credit Card ₹18,000
  102. Equitas Selfe Secured ₹3,900 · Ranked higher: its bonus category adds ₹10,100 a year
  103. Flipkart Axis Bank Credit Card ₹7,600 · Ranked higher: its bonus category adds ₹2,900 a year
  104. Paytm HDFC Bank ₹8,500
  105. Utkarsh Eternal Credit Card ₹9,500 · Invite only
  106. Union Bank VISA Signature ₹9,000
  107. RBL Platinum ShopGain ₹8,100
  108. YES Bank BYOC (Cashback) ₹6,400
  109. Landmark Rewards SBI Card ₹3,600 · Ranked higher: its bonus category adds ₹2,400 a year
  110. RBL Paisabazaar Duet Plus ₹3,600 · Ranked higher: its bonus category adds ₹2,400 a year
  111. RBL Platinum Delight ₹6,000
  112. IDFC FIRST EA₹N ₹4,500 · Ranked higher: its bonus category adds ₹1,500 a year
  113. YES Bank ACE ₹4,300 · Ranked higher: its bonus category adds ₹1,100 a year
  114. CUB CSK Master Platinum ₹4,500
  115. CUB SRH Master Platinum ₹4,500
  116. YES Bank Wellness ₹4,000
  117. IndusInd Bank Nexxt Credit Card ₹4,800
  118. RBL Platinum Max ₹2,800 · Ranked higher: its bonus category adds ₹2,000 a year
  119. RBL Platinum Prime ₹2,800 · Ranked higher: its bonus category adds ₹2,000 a year
  120. Union Bank RuPay Platinum ₹4,500
  121. Union Bank VISA Platinum ₹4,500
  122. IDBI Bank Imperium Platinum ₹3,400
  123. Kotak 811 Credit Card ₹3,300
  124. Varunah BOBCARD ₹1,400 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  125. BOBCARD VIKRAM ₹1,400 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  126. BOBCARD Select ₹1,200 · Ranked higher: its bonus category adds ₹1,400 a year
  127. RBL Platinum Plus ₹1,900
  128. TVS Credit RBL Bank ₹1,900
  129. Kotak UPI RuPay ₹2,500
  130. BOBCARD Easy ₹1,200 · Ranked higher: its bonus category adds ₹1,100 a year
  131. Paisabazaar Step-Up SBM Credit Card ₹1,900
  132. HDFC Bank Freedom ₹600 · Ranked higher: its bonus category adds ₹1,200 a year
  133. Axis Bank Kwik ₹1,700
  134. Indian Overseas Bank RuPay Classic ₹1,500
  135. RBL Bank Shoppers Stop Black −₹8,500 · Ranked higher: its bonus category adds ₹5,400 a year
  136. YES BANK EMI ₹6,000 · Ranked higher: its bonus category adds ₹2,700 a year
  137. YES Prosperity Cashback+ ₹4,800 · Ranked higher: its bonus category adds ₹1,700 a year
  138. YES Prosperity Cashback ₹3,200 · Ranked higher: its bonus category adds ₹2,000 a year
  139. Union Bank VISA Gold ₹2,300
  140. RBL EasySaver ₹0
  141. RBL MyFirst −₹500

How we rank

Every card that pays you back in rupees you can be issued today, priced at ₹75,000 a month — the middle of your range, ₹50,000–₹1 lakh — on a typical Indian spending mix: each card's own published earn rate on each kind of spend, plus its milestone and bonus payouts, minus the annual fee unless that spend waives it. Cards our own verdict says to keep come first, then downgrade, then cancel; inside each, the higher yearly value ranks higher, and a tie goes to our overall ranking. The order uses the same figures with these corrections, so a card cannot lead on money a reader rarely collects: fixed rupee vouchers count at half their face value, while a free night paid in the card’s own points counts in full, like any other points; points that are only worth their full value inside one app count at what they fetch anywhere else; a reward tier the issuer calls promotional does not count, and a base rate the issuer time-boxes counts only at the rate it publishes for afterwards, or not at all; each card’s published bonus category counts on a realistic share of spend; a card offered only by invitation from the bank’s own clients, or only to one profession, stays out of the top five at every spend; and a card the bank keeps only above a yearly spend it publishes ranks below every card without that bar when your spend falls short of it. 77 cards on sale today are not priced at all, because their bank has not published a fee or an earn rate.

Every figure comes from each card's own published fee and earn rate. How we value cards.