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Best cashback credit cards at ₹1–2 lakh a month

Swiggy BLCK HDFC Bank Credit Card comes first: it is worth ₹12,000 a year at ₹1.5 lakh a month after the fee.

Verified 338 sources

The top 3

Swiggy BLCK HDFC Bank Credit Card

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

₹12,000 a year at ₹1.5 lakh a month

Ranked higher: its bonus category adds ₹34,000 a year

Keep Reward rate 1%–10%

Tata Neu Infinity HDFC Bank credit card

Tata Neu Infinity HDFC Bank

HDFC Bank

₹25,400 a year at ₹1.5 lakh a month

Ranked higher: its bonus category adds ₹12,600 a year

Keep Reward rate 1.5%–10%

Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

SBI Card

₹25,400 a year at ₹1.5 lakh a month

Ranked higher: its bonus category adds ₹12,600 a year

Keep Reward rate 1.5%–10%

The full ranking

166 cards, best first. Ranked by what each is worth a year at ₹1.5 lakh 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. Swiggy BLCK HDFC Bank Credit CardHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹34,000 a year ₹12,000₹1,000 fee
2. Tata Neu Infinity HDFC BankHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹12,600 a year ₹25,400₹1,499 fee
3. Tata Neu Infinity SBI CardSBI Card · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹12,600 a year ₹25,400₹1,499 fee
4. Axis Bank CashbackAxis Bank · break-even ₹13k · cuts fuel · Ranked higher: its bonus category adds ₹21,700 a year ₹12,200₹1,000 fee
5. CASHBACK SBI CardSBI Card · break-even ₹10k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹18,600 a year ₹15,100₹999 fee
6. HSBC Live+HSBC · break-even ₹6k · cuts fuel · Ranked higher: its bonus category adds ₹6,300 a year ₹25,400₹999 fee
7. Swiggy Ornge HDFC Bank Credit CardHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹18,000 a year ₹12,000₹500 fee
8. YES PaisaSaveYES Bank · break-even ₹5k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹13,500 a year ₹15,100₹0 joining + ₹499/yr
9. Axis Bank ACEAxis Bank · break-even ₹3k · cuts fuel ₹25,400₹499 fee
10. Airtel Axis Bank Credit CardAxis Bank · break-even ₹5k · Ranked higher: its bonus category adds ₹8,600 a year ₹18,000₹500 fee
11. HDFC Bank MillenniaHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹12,000 a year ₹16,000₹1,000 fee
12. HDFC Bank PIXEL PlayHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹9,300 a year ₹16,900₹500 fee
13. Flipkart SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹7,200 a year ₹16,900₹500 fee
14. YES PaisaSave RuPayYES Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹9,000 a year ₹15,100₹0 fee, lifetime free
15. BOBCARD CashbackBOBCARD (Bank of Baroda) · break-even ₹7k · cuts groceries and fuel · Ranked higher: its bonus category adds ₹14,400 a year ₹11,000₹499 fee
16. AU Xcite Credit CardAU Small Finance Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹11,900 a year ₹11,800₹249 fee
17. Tata Neu Plus HDFC BankHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹6,500 a year ₹16,900₹499 fee
18. Axis Bank Freecharge PlusAxis Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹6,500 a year ₹16,900₹350 fee
19. ESAF INORI RuPay PlatinumESAF Small Finance Bank · break-even: first rupee ₹22,500₹0 fee, lifetime free
20. Amazon Pay ICICI BankICICI Bank · Invite only · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹7,200 a year ₹15,100₹0 fee, lifetime free
21. Fibe Axis Bank Credit CardAxis Bank · break-even: first rupee · cuts fuel · Ranked higher: its bonus category adds ₹6,500 a year ₹16,900₹0 fee, lifetime free
22. Axis Bank SuperMoney RuPayAxis Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹7,200 a year ₹15,100₹0 fee, lifetime free
23. Paytm HDFC Bank SelectHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹4,300 a year ₹18,900₹1,000 fee
24. RBL Signature BankingRBL Bank · Invite only · break-even ₹25k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹6,500 a year ₹18,600₹2,500 fee
25. Tata Neu Plus SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹3,600 a year ₹16,900₹499 fee
Ranks 26 to 166 141 cards
  1. Utkarsh Rhodium Credit Card ₹18,900 · Invite only
  2. HDFC PIXEL Go ₹16,900
  3. IDFC FIRST Hello Cashback ₹18,000
  4. SBM MobiKwik First Credit Card ₹18,000
  5. IDBI Bank LIC Eclat Select ₹17,800
  6. Paisabazaar Paisa Plus Credit Card ₹15,100 · Ranked higher: its bonus category adds ₹2,700 a year
  7. Standard Chartered Smart ₹6,000 · Ranked higher: its bonus category adds ₹12,000 a year
  8. slice UPI Credit Card ₹16,900
  9. RBL Aspire Banking ₹15,000 · Invite only
  10. RBL Cookies ₹9,000 · Ranked higher: its bonus category adds ₹10,600 a year
  11. Kotak Cashback+ ₹8,100 · Ranked higher: its bonus category adds ₹7,200 a year
  12. Kotak Cashback+ Prime ₹8,100 · Ranked higher: its bonus category adds ₹7,000 a year
  13. Utkarsh SmartGen Credit Card ₹15,100 · Invite only
  14. Utkarsh superCard ₹15,100
  15. Snapdeal BOBCARD ₹11,300 · Ranked higher: its bonus category adds ₹2,400 a year
  16. IndusInd Platinum RuPay ₹10,200 · Ranked higher: its bonus category adds ₹3,200 a year
  17. Standard Chartered Manhattan ₹9,000 · Ranked higher: its bonus category adds ₹4,400 a year
  18. IDBI Bank LIC Lumine ₹13,300
  19. LIC Axis Bank Platinum ₹10,800 · Ranked higher: its bonus category adds ₹1,900 a year
  20. RBL BankBazaar SaveMax Pro ₹8,100 · Invite only · Ranked higher: its bonus category adds ₹4,200 a year
  21. Federal Bank Paisabazaar Paisaback Credit Card ₹12,000
  22. RBL Movies and More ₹7,500 · Ranked higher: its bonus category adds ₹4,100 a year
  23. Paytm HDFC Bank Digital ₹6,000 · Ranked higher: its bonus category adds ₹5,400 a year
  24. Axis Bank Shoppers Stop Credit Card ₹7,600 · Ranked higher: its bonus category adds ₹3,200 a year
  25. Union UNI-CARBON ₹9,700
  26. HDFC Bank MoneyBack+ ₹4,200 · Ranked higher: its bonus category adds ₹6,700 a year
  27. IndianOil HDFC Bank Credit Card ₹7,800 · Ranked higher: its bonus category adds ₹2,400 a year
  28. IndusInd Platinum ₹10,200
  29. SimplySAVE SBI Card ₹2,800 · Ranked higher: its bonus category adds ₹6,800 a year
  30. SimplySAVE UPI SBI Card ₹2,800 · Invite only · Ranked higher: its bonus category adds ₹6,800 a year
  31. RBL Patanjali Vishisht ₹3,800 · Ranked higher: its bonus category adds ₹5,800 a year
  32. Paytm HDFC Bank Mobile ₹6,000 · Ranked higher: its bonus category adds ₹3,600 a year
  33. ICICI Bank HPCL Coral Credit Card ₹8,600
  34. IndianOil Kotak Credit Card ₹6,800 · Ranked higher: its bonus category adds ₹2,300 a year
  35. IndusInd Duo ₹9,000
  36. RBL Apex ₹8,000
  37. AU Prathama Credit Card ₹8,300
  38. ICICI Bank Platinum Chip Credit Card ₹8,000
  39. BPCL SBI Card ₹4,500 · Ranked higher: its bonus category adds ₹3,500 a year
  40. Shoppers Stop HDFC Bank ₹2,600 · Ranked higher: its bonus category adds ₹5,400 a year
  41. YES Bank POP-CLUB ₹3,000 · Ranked higher: its bonus category adds ₹4,300 a year
  42. AU Xcite Ace Credit Card ₹7,200 · Invite only
  43. Aditya Birla Capital AU Flex ₹4,500 · Ranked higher: its bonus category adds ₹2,700 a year
  44. Aditya Birla Capital AU Nxt ₹4,500 · Ranked higher: its bonus category adds ₹2,700 a year
  45. EazyDiner IndusInd Platinum ₹7,900
  46. AU Tejas Credit Card ₹4,200 · Ranked higher: its bonus category adds ₹2,900 a year
  47. RBL Bank SalarySe UP ₹3,000 · Ranked higher: its bonus category adds ₹3,500 a year
  48. CUB CSK RuPay Platinum ₹5,000 · Ranked higher: its bonus category adds ₹1,500 a year
  49. CUB SRH RuPay Platinum ₹5,000 · Ranked higher: its bonus category adds ₹1,500 a year
  50. IDBI Bank Aspire Platinum ₹6,300
  51. RBL Shoprite ₹3,800 · Ranked higher: its bonus category adds ₹2,300 a year
  52. RBL Paisabazaar Duet ₹6,000
  53. AU Zaggle Credit Card ₹6,000
  54. IDFC FIRST Quantum+ ₹6,000
  55. RBL BankBazaar SaveMax ₹3,800 · Ranked higher: its bonus category adds ₹2,300 a year
  56. Suryoday SFB RuPay Platinum ₹5,800
  57. Suryoday SFB RuPay Select ₹5,800
  58. AU SPONT Credit Card ₹5,700
  59. IndianOil RBL Bank XTRA Credit Card ₹18,200 · Ranked lower: includes points worth full value only in one app
  60. PNB VISA Platinum ₹5,500
  61. YES BANK RuPay Virtual ₹4,500
  62. YES Bank FinBooster ₹3,800 · Ranked higher: its bonus category adds ₹1,400 a year
  63. YES FinBooster RuPay ₹4,200
  64. YES Bank anQ Pi ₹4,200
  65. PRAGATI BOBCARD (RRB) ₹2,900 · Invite only · Ranked higher: its bonus category adds ₹2,300 a year
  66. RBL Platinum Choice ₹3,800 · Ranked higher: its bonus category adds ₹1,400 a year
  67. Nainital Bank RENAISSANCE BOBCARD ₹2,900 · Invite only · Ranked higher: its bonus category adds ₹2,300 a year
  68. UJJIVAN SFB Platinum BOBCARD ₹2,900 · Invite only · Ranked higher: its bonus category adds ₹2,300 a year
  69. HSBC RuPay Cashback ₹4,800
  70. AU Altura Plus Credit Card ₹4,800
  71. RBL Binge ₹3,800 · Ranked higher: its bonus category adds ₹1,100 a year
  72. Google Pay Flex Axis Bank ₹18,000 · Ranked lower: includes a promotional reward rate
  73. PNB VISA Classic ₹4,500
  74. Utkarsh Wish Credit Card ₹2,400 · Ranked higher: its bonus category adds ₹1,800 a year
  75. PNB VISA Gold ₹4,200
  76. BOBCARD Easy (FD Backed) ₹2,300 · Ranked higher: its bonus category adds ₹1,900 a year
  77. BOBCARD Select (FD Backed) ₹2,300 · Ranked higher: its bonus category adds ₹1,700 a year
  78. RBL Bank Shoppers Stop Gold ₹3,500
  79. Standard Chartered Platinum Rewards ₹2,800
  80. PM SVANidhi BOBCARD ₹3,600 · Invite only
  81. RBL Bank DMI Finance ₹3,700
  82. AU LIT Credit Card ₹3,300
  83. RBL Platinum Advantage ₹3,300
  84. Federal RuPay Wave Credit Card ₹3,100
  85. PVR INOX Kotak ₹3,100
  86. HDFC Bank UPI RuPay ₹1,500 · Ranked higher: its bonus category adds ₹1,500 a year
  87. HDFC Bank UPI RuPay Mega Saver ₹1,500 · Ranked higher: its bonus category adds ₹1,500 a year
  88. RBL Bank Shoppers Stop Platinum ₹2,000
  89. IndianOil RBL Bank Credit Card ₹8,100 · Ranked lower: includes points worth full value only in one app
  90. Equitas Tiga ₹2,500
  91. IndusInd Samman RuPay ₹2,400
  92. RBL Bank QuickPay ₹2,200 · Invite only
  93. DCB PayLess Select Credit Card ₹4,000 · Ranked lower: includes ₹4,000 in vouchers
  94. BOBCARD Swavlamban ₹1,900
  95. AU Altura Credit Card ₹1,200
  96. AU InstaPay RuPay Credit Card ₹1,200
  97. IndusInd ePay Amex ₹1,100
  98. DCB PayLess Platinum Credit Card ₹1,000
  99. Reliance SBI Card ₹4,200 · Ranked lower: includes points worth full value only in one app
  100. Dhi CUB Visa Signature ₹21,200 · Invite only · Ranked lower: includes a promotional reward rate
  101. Unity Bank BharatPe Credit Card ₹36,000
  102. Equitas Selfe Secured ₹9,800 · Ranked higher: its bonus category adds ₹11,800 a year
  103. Flipkart Axis Bank Credit Card ₹15,100 · Ranked higher: its bonus category adds ₹5,800 a year
  104. Utkarsh Eternal Credit Card ₹18,900 · Invite only
  105. Union Bank VISA Signature ₹18,000
  106. Paytm HDFC Bank ₹12,000 · Ranked higher: its bonus category adds ₹3,200 a year
  107. RBL Platinum ShopGain ₹10,200
  108. YES Bank ACE ₹8,600 · Ranked higher: its bonus category adds ₹2,300 a year
  109. CUB CSK Master Platinum ₹9,100 · Ranked higher: its bonus category adds ₹1,600 a year
  110. CUB SRH Master Platinum ₹9,100 · Ranked higher: its bonus category adds ₹1,600 a year
  111. Landmark Rewards SBI Card ₹5,700 · Ranked higher: its bonus category adds ₹4,900 a year
  112. YES Bank BYOC (Cashback) ₹10,800
  113. YES Bank Wellness ₹8,500 · Ranked higher: its bonus category adds ₹1,800 a year
  114. IndusInd Bank Nexxt Credit Card ₹9,600
  115. RBL Platinum Max ₹6,600 · Ranked higher: its bonus category adds ₹2,600 a year
  116. RBL Platinum Prime ₹6,600 · Ranked higher: its bonus category adds ₹2,600 a year
  117. Union Bank RuPay Platinum ₹9,000
  118. Union Bank VISA Platinum ₹9,000
  119. RBL Bank Shoppers Stop Black ₹0 · Ranked higher: its bonus category adds ₹10,800 a year
  120. IDBI Bank Imperium Platinum ₹6,300
  121. Kotak 811 Credit Card ₹5,400
  122. RBL Platinum Delight ₹6,000
  123. RBL Paisabazaar Duet Plus ₹3,600 · Ranked higher: its bonus category adds ₹2,400 a year
  124. IDFC FIRST EA₹N ₹6,000
  125. Kotak UPI RuPay ₹5,100
  126. BOBCARD VIKRAM ₹2,900 · Invite only · Ranked higher: its bonus category adds ₹2,300 a year
  127. RBL Platinum Plus ₹3,800 · Ranked higher: its bonus category adds ₹1,400 a year
  128. TVS Credit RBL Bank ₹3,800 · Ranked higher: its bonus category adds ₹1,400 a year
  129. Varunah BOBCARD ₹2,900 · Invite only · Ranked higher: its bonus category adds ₹1,600 a year
  130. BOBCARD Select ₹2,300 · Ranked higher: its bonus category adds ₹1,700 a year
  131. BOBCARD Easy ₹2,300 · Ranked higher: its bonus category adds ₹1,900 a year
  132. Paisabazaar Step-Up SBM Credit Card ₹3,800
  133. HDFC Bank Freedom ₹1,300 · Ranked higher: its bonus category adds ₹2,400 a year
  134. Axis Bank Kwik ₹3,400
  135. Indian Overseas Bank RuPay Classic ₹3,000
  136. YES Prosperity Cashback+ ₹11,200
  137. YES BANK EMI ₹6,000 · Ranked higher: its bonus category adds ₹5,400 a year
  138. YES Prosperity Cashback ₹7,500 · Ranked higher: its bonus category adds ₹1,500 a year
  139. Union Bank VISA Gold ₹4,500
  140. RBL EasySaver ₹600 · Ranked higher: its bonus category adds ₹1,200 a year
  141. RBL MyFirst ₹100 · Ranked higher: its bonus category adds ₹1,200 a year

How we rank

Every card that pays you back in rupees you can be issued today, priced at ₹1.5 lakh a month — the middle of your range, ₹1–2 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.