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Best cashback credit cards at ₹2–5 lakh a month

Tata Neu Infinity HDFC Bank comes first: it is worth ₹50,800 a year at ₹3 lakh a month after the fee.

Verified 338 sources

The top 3

Tata Neu Infinity HDFC Bank credit card

Tata Neu Infinity HDFC Bank

HDFC Bank

₹50,800 a year at ₹3 lakh a month

Ranked higher: its bonus category adds ₹25,200 a year

Keep Reward rate 1.5%–10%

Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

SBI Card

₹50,800 a year at ₹3 lakh a month

Ranked higher: its bonus category adds ₹25,200 a year

Keep Reward rate 1.5%–10%

Axis Bank Cashback credit card

Axis Bank Cashback

Axis Bank

₹24,500 a year at ₹3 lakh a month

Ranked higher: its bonus category adds ₹38,600 a year

Keep Reward rate 0.8%–7%

The full ranking

166 cards, best first. Ranked by what each is worth a year at ₹3 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. Tata Neu Infinity HDFC BankHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹25,200 a year ₹50,800₹1,499 fee
2. Tata Neu Infinity SBI CardSBI Card · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹25,200 a year ₹50,800₹1,499 fee
3. Axis Bank CashbackAxis Bank · break-even ₹13k · cuts fuel · Ranked higher: its bonus category adds ₹38,600 a year ₹24,500₹1,000 fee
4. YES PaisaSaveYES Bank · break-even ₹5k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹27,000 a year ₹30,200₹0 joining + ₹499/yr
5. HSBC Live+HSBC · break-even ₹6k · cuts fuel ₹50,800₹999 fee
6. Axis Bank ACEAxis Bank · break-even ₹3k · cuts fuel ₹50,800₹499 fee
7. Flipkart SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹14,400 a year ₹33,800₹500 fee
8. YES PaisaSave RuPayYES Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹18,000 a year ₹30,200₹0 fee, lifetime free
9. AU Xcite Credit CardAU Small Finance Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹23,800 a year ₹23,600₹249 fee
10. Axis Bank Freecharge PlusAxis Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹13,000 a year ₹33,800₹350 fee
11. Airtel Axis Bank Credit CardAxis Bank · break-even ₹5k · Ranked higher: its bonus category adds ₹11,300 a year ₹36,000₹500 fee
12. Tata Neu Plus HDFC BankHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹13,000 a year ₹33,800₹499 fee
13. ESAF INORI RuPay PlatinumESAF Small Finance Bank · break-even: first rupee ₹45,000₹0 fee, lifetime free
14. Amazon Pay ICICI BankICICI Bank · Invite only · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹14,400 a year ₹30,200₹0 fee, lifetime free
15. Axis Bank SuperMoney RuPayAxis Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹14,400 a year ₹30,200₹0 fee, lifetime free
16. Swiggy BLCK HDFC Bank Credit CardHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹36,000 a year ₹12,000₹1,000 fee
17. CASHBACK SBI CardSBI Card · break-even ₹10k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹24,000 a year ₹24,000₹999 fee
18. Tata Neu Plus SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹7,200 a year ₹33,800₹499 fee
19. HDFC Bank PIXEL PlayHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹6,600 a year ₹33,800₹500 fee
20. Utkarsh Rhodium Credit CardUtkarsh Small Finance Bank · Invite only · break-even ₹40k · cuts utilities and fuel ₹37,800₹0 joining + ₹4,999/yr
21. HDFC PIXEL GoHDFC Bank · break-even ₹3k · cuts fuel ₹33,800₹250 fee
22. SBM MobiKwik First Credit CardSBM Bank (India) · break-even: first rupee ₹36,000₹0 fee, lifetime free
23. IDBI Bank LIC Eclat SelectIDBI Bank · break-even: first rupee · cuts fuel ₹34,700₹0 fee, lifetime free
24. Paytm HDFC Bank SelectHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹10,800 a year ₹26,000₹1,000 fee
25. slice UPI Credit Cardslice Small Finance Bank · break-even: first rupee · cuts fuel ₹33,800₹0 fee, lifetime free
Ranks 26 to 166 141 cards
  1. BOBCARD Cashback ₹22,500 · Ranked higher: its bonus category adds ₹10,800 a year
  2. Utkarsh SmartGen Credit Card ₹30,200 · Invite only
  3. Utkarsh superCard ₹30,200
  4. RBL Signature Banking ₹21,500 · Invite only · Ranked higher: its bonus category adds ₹13,000 a year
  5. Fibe Axis Bank Credit Card ₹18,000 · Ranked higher: its bonus category adds ₹13,000 a year
  6. Paisabazaar Paisa Plus Credit Card ₹30,200
  7. Swiggy Ornge HDFC Bank Credit Card ₹12,000 · Ranked higher: its bonus category adds ₹18,000 a year
  8. IndusInd Platinum RuPay ₹20,300 · Ranked higher: its bonus category adds ₹6,500 a year
  9. IDBI Bank LIC Lumine ₹26,000
  10. LIC Axis Bank Platinum ₹21,500 · Ranked higher: its bonus category adds ₹3,900 a year
  11. HDFC Bank Millennia ₹16,000 · Ranked higher: its bonus category adds ₹12,000 a year
  12. Snapdeal BOBCARD ₹22,800
  13. Axis Bank Shoppers Stop Credit Card ₹15,100 · Ranked higher: its bonus category adds ₹6,500 a year
  14. Kotak Cashback+ ₹16,200 · Ranked higher: its bonus category adds ₹5,400 a year
  15. Kotak Cashback+ Prime ₹16,200 · Ranked higher: its bonus category adds ₹5,000 a year
  16. RBL Aspire Banking ₹15,000 · Invite only · Ranked higher: its bonus category adds ₹8,600 a year
  17. IndusInd Platinum ₹20,300
  18. Standard Chartered Manhattan ₹18,000 · Ranked higher: its bonus category adds ₹2,800 a year
  19. RBL Movies and More ₹11,300 · Ranked higher: its bonus category adds ₹8,100 a year
  20. Union UNI-CARBON ₹18,700
  21. RBL Cookies ₹12,000 · Ranked higher: its bonus category adds ₹10,400 a year
  22. RBL BankBazaar SaveMax Pro ₹16,200 · Invite only
  23. IndusInd Duo ₹18,000
  24. ICICI Bank HPCL Coral Credit Card ₹17,100
  25. SimplySAVE SBI Card ₹5,700 · Ranked higher: its bonus category adds ₹13,500 a year
  26. SimplySAVE UPI SBI Card ₹5,700 · Invite only · Ranked higher: its bonus category adds ₹13,500 a year
  27. AU Prathama Credit Card ₹16,800
  28. IDFC FIRST Hello Cashback ₹18,000
  29. Standard Chartered Smart ₹6,000 · Ranked higher: its bonus category adds ₹12,000 a year
  30. ICICI Bank Platinum Chip Credit Card ₹16,000
  31. IndianOil HDFC Bank Credit Card ₹15,100
  32. YES Bank POP-CLUB ₹6,000 · Ranked higher: its bonus category adds ₹8,600 a year
  33. Aditya Birla Capital AU Flex ₹9,000 · Ranked higher: its bonus category adds ₹5,400 a year
  34. Aditya Birla Capital AU Nxt ₹9,000 · Ranked higher: its bonus category adds ₹5,400 a year
  35. HDFC Bank MoneyBack+ ₹8,500 · Ranked higher: its bonus category adds ₹5,900 a year
  36. EazyDiner IndusInd Platinum ₹14,200
  37. IndianOil Kotak Credit Card ₹12,600
  38. RBL Bank SalarySe UP ₹6,000 · Ranked higher: its bonus category adds ₹7,000 a year
  39. CUB CSK RuPay Platinum ₹10,000 · Ranked higher: its bonus category adds ₹3,100 a year
  40. CUB SRH RuPay Platinum ₹10,000 · Ranked higher: its bonus category adds ₹3,100 a year
  41. RBL Patanjali Vishisht ₹7,600 · Ranked higher: its bonus category adds ₹5,600 a year
  42. IDBI Bank Aspire Platinum ₹11,900
  43. Suryoday SFB RuPay Platinum ₹11,500
  44. Suryoday SFB RuPay Select ₹11,500
  45. PNB VISA Platinum ₹11,500
  46. BPCL SBI Card ₹8,800 · Ranked higher: its bonus category adds ₹3,000 a year
  47. Paytm HDFC Bank Digital ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
  48. Federal Bank Paisabazaar Paisaback Credit Card ₹12,000
  49. AU Tejas Credit Card ₹8,500 · Ranked higher: its bonus category adds ₹2,700 a year
  50. Paytm HDFC Bank Mobile ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
  51. YES BANK RuPay Virtual ₹9,000 · Ranked higher: its bonus category adds ₹1,800 a year
  52. YES Bank FinBooster ₹7,600 · Ranked higher: its bonus category adds ₹2,900 a year
  53. RBL Apex ₹8,000 · Ranked higher: its bonus category adds ₹4,300 a year
  54. YES FinBooster RuPay ₹8,500 · Ranked higher: its bonus category adds ₹1,800 a year
  55. YES Bank anQ Pi ₹8,500 · Ranked higher: its bonus category adds ₹1,800 a year
  56. PNB VISA Classic ₹9,000
  57. RBL Shoprite ₹7,600 · Ranked higher: its bonus category adds ₹1,700 a year
  58. RBL BankBazaar SaveMax ₹7,600 · Ranked higher: its bonus category adds ₹1,700 a year
  59. PNB VISA Gold ₹8,700
  60. IndianOil RBL Bank XTRA Credit Card ₹34,400 · Ranked lower: includes points worth full value only in one app
  61. Shoppers Stop HDFC Bank ₹2,700 · Ranked higher: its bonus category adds ₹6,000 a year
  62. AU Altura Plus Credit Card ₹8,200
  63. RBL Platinum Choice ₹7,600
  64. Standard Chartered Platinum Rewards ₹5,800 · Ranked higher: its bonus category adds ₹1,900 a year
  65. RBL Binge ₹7,600
  66. PRAGATI BOBCARD (RRB) ₹5,800 · Invite only · Ranked higher: its bonus category adds ₹1,700 a year
  67. PM SVANidhi BOBCARD ₹7,200 · Invite only
  68. Nainital Bank RENAISSANCE BOBCARD ₹5,800 · Invite only · Ranked higher: its bonus category adds ₹1,700 a year
  69. UJJIVAN SFB Platinum BOBCARD ₹5,800 · Invite only · Ranked higher: its bonus category adds ₹1,700 a year
  70. RBL Platinum Advantage ₹7,100
  71. AU Xcite Ace Credit Card ₹7,200 · Invite only
  72. AU LIT Credit Card ₹6,700
  73. RBL Bank Shoppers Stop Platinum ₹2,000 · Ranked higher: its bonus category adds ₹7,200 a year
  74. BOBCARD Easy (FD Backed) ₹4,600 · Ranked higher: its bonus category adds ₹1,300 a year
  75. RBL Paisabazaar Duet ₹6,000
  76. AU Zaggle Credit Card ₹6,000
  77. IDFC FIRST Quantum+ ₹6,000
  78. BOBCARD Select (FD Backed) ₹4,600 · Ranked higher: its bonus category adds ₹1,000 a year
  79. AU SPONT Credit Card ₹5,700
  80. Federal RuPay Wave Credit Card ₹5,200
  81. RBL Bank Shoppers Stop Gold ₹3,500 · Ranked higher: its bonus category adds ₹3,600 a year
  82. Equitas Tiga ₹5,100
  83. HSBC RuPay Cashback ₹4,800
  84. RBL Bank QuickPay ₹4,400 · Invite only
  85. Google Pay Flex Axis Bank ₹18,000 · Ranked lower: includes a promotional reward rate
  86. IndianOil RBL Bank Credit Card ₹16,200 · Ranked lower: includes points worth full value only in one app
  87. Utkarsh Wish Credit Card ₹2,400 · Ranked higher: its bonus category adds ₹1,800 a year
  88. RBL Bank DMI Finance ₹3,700
  89. PVR INOX Kotak ₹3,100
  90. HDFC Bank UPI RuPay ₹1,500 · Ranked higher: its bonus category adds ₹1,500 a year
  91. HDFC Bank UPI RuPay Mega Saver ₹1,500 · Ranked higher: its bonus category adds ₹1,500 a year
  92. IndusInd Samman RuPay ₹2,400
  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 ₹8,500 · Ranked lower: includes points worth full value only in one app
  100. Dhi CUB Visa Signature ₹42,300 · Invite only · Ranked lower: includes a promotional reward rate
  101. Unity Bank BharatPe Credit Card ₹72,000
  102. Flipkart Axis Bank Credit Card ₹30,200 · Ranked higher: its bonus category adds ₹11,500 a year
  103. Utkarsh Eternal Credit Card ₹37,800 · Invite only
  104. Union Bank VISA Signature ₹36,000
  105. Equitas Selfe Secured ₹21,700 · Ranked higher: its bonus category adds ₹6,700 a year
  106. YES Bank ACE ₹17,100 · Ranked higher: its bonus category adds ₹4,500 a year
  107. CUB CSK Master Platinum ₹18,100 · Ranked higher: its bonus category adds ₹3,200 a year
  108. CUB SRH Master Platinum ₹18,100 · Ranked higher: its bonus category adds ₹3,200 a year
  109. YES Bank Wellness ₹17,500 · Ranked higher: its bonus category adds ₹3,600 a year
  110. Landmark Rewards SBI Card ₹10,000 · Ranked higher: its bonus category adds ₹9,700 a year
  111. IndusInd Bank Nexxt Credit Card ₹19,200
  112. Union Bank RuPay Platinum ₹18,000
  113. Union Bank VISA Platinum ₹18,000
  114. Paytm HDFC Bank ₹12,000 · Ranked higher: its bonus category adds ₹6,000 a year
  115. RBL Platinum Max ₹14,100
  116. RBL Platinum Prime ₹14,100
  117. RBL Platinum ShopGain ₹14,500
  118. RBL Bank Shoppers Stop Black ₹0 · Ranked higher: its bonus category adds ₹18,000 a year
  119. IDBI Bank Imperium Platinum ₹11,900
  120. Kotak 811 Credit Card ₹9,700 · Ranked higher: its bonus category adds ₹2,700 a year
  121. Kotak UPI RuPay ₹10,200
  122. YES Bank BYOC (Cashback) ₹10,800
  123. RBL Platinum Plus ₹7,600
  124. TVS Credit RBL Bank ₹7,600
  125. Paisabazaar Step-Up SBM Credit Card ₹7,600
  126. BOBCARD VIKRAM ₹5,800 · Invite only · Ranked higher: its bonus category adds ₹1,700 a year
  127. Axis Bank Kwik ₹6,800
  128. Varunah BOBCARD ₹5,800 · Invite only
  129. HDFC Bank Freedom ₹2,500 · Ranked higher: its bonus category adds ₹4,000 a year
  130. Indian Overseas Bank RuPay Classic ₹6,000
  131. BOBCARD Easy ₹4,600 · Ranked higher: its bonus category adds ₹1,300 a year
  132. RBL Platinum Delight ₹6,000
  133. RBL Paisabazaar Duet Plus ₹3,600 · Ranked higher: its bonus category adds ₹2,400 a year
  134. IDFC FIRST EA₹N ₹6,000
  135. BOBCARD Select ₹4,600 · Ranked higher: its bonus category adds ₹1,000 a year
  136. YES Prosperity Cashback+ ₹23,900
  137. YES Prosperity Cashback ₹15,900
  138. YES BANK EMI ₹6,000 · Ranked higher: its bonus category adds ₹10,800 a year
  139. Union Bank VISA Gold ₹9,000
  140. RBL EasySaver ₹1,600 · Ranked higher: its bonus category adds ₹2,400 a year
  141. RBL MyFirst ₹1,100 · Ranked higher: its bonus category adds ₹2,400 a year

How we rank

Every card that pays you back in rupees you can be issued today, priced at ₹3 lakh a month — a typical spend inside your range, ₹2–5 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.