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Best cashback credit cards at ₹5 lakh or more a month

Tata Neu Infinity HDFC Bank comes first: it is worth ₹81,600 a year at ₹5 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

₹81,600 a year at ₹5 lakh a month

Ranked higher: its bonus category adds ₹42,000 a year

Keep Reward rate 1.5%–10%

Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

SBI Card

₹81,600 a year at ₹5 lakh a month

Ranked higher: its bonus category adds ₹42,000 a year

Keep Reward rate 1.5%–10%

HSBC Live+ credit card

HSBC Live+

HSBC

₹84,600 a year at ₹5 lakh a month

Keep Reward rate 1.5%–10%

The full ranking

166 cards, best first. Ranked by what each is worth a year at ₹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. Tata Neu Infinity HDFC BankHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹42,000 a year ₹81,600₹1,499 fee
2. Tata Neu Infinity SBI CardSBI Card · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹42,000 a year ₹81,600₹1,499 fee
3. HSBC Live+HSBC · break-even ₹6k · cuts fuel ₹84,600₹999 fee
4. Axis Bank ACEAxis Bank · break-even ₹3k · cuts fuel ₹84,600₹499 fee
5. Flipkart SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹24,000 a year ₹56,400₹500 fee
6. AU Xcite Credit CardAU Small Finance Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹39,600 a year ₹39,300₹249 fee
7. Axis Bank Freecharge PlusAxis Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹21,600 a year ₹56,400₹350 fee
8. ESAF INORI RuPay PlatinumESAF Small Finance Bank · break-even: first rupee ₹75,000₹0 fee, lifetime free
9. Amazon Pay ICICI BankICICI Bank · Invite only · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹24,000 a year ₹50,400₹0 fee, lifetime free
10. Axis Bank SuperMoney RuPayAxis Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹24,000 a year ₹50,400₹0 fee, lifetime free
11. YES PaisaSave RuPayYES Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹30,000 a year ₹50,400₹0 fee, lifetime free
12. Tata Neu Plus HDFC BankHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹21,600 a year ₹50,400₹499 fee
13. YES PaisaSaveYES Bank · break-even ₹5k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹27,000 a year ₹50,400₹0 joining + ₹499/yr
14. Airtel Axis Bank Credit CardAxis Bank · break-even ₹5k · Ranked higher: its bonus category adds ₹10,800 a year ₹60,000₹500 fee
15. Utkarsh Rhodium Credit CardUtkarsh Small Finance Bank · Invite only · break-even ₹40k · cuts utilities and fuel ₹63,000₹0 joining + ₹4,999/yr
16. Axis Bank CashbackAxis Bank · break-even ₹13k · cuts fuel · Ranked higher: its bonus category adds ₹32,300 a year ₹40,800₹1,000 fee
17. HDFC PIXEL GoHDFC Bank · break-even ₹3k · cuts fuel ₹56,400₹250 fee
18. SBM MobiKwik First Credit CardSBM Bank (India) · break-even: first rupee ₹60,000₹0 fee, lifetime free
19. Tata Neu Plus SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹12,000 a year ₹50,400₹499 fee
20. HDFC Bank PIXEL PlayHDFC Bank · break-even ₹5k · cuts fuel ₹56,400₹500 fee
21. IDBI Bank LIC Eclat SelectIDBI Bank · break-even: first rupee · cuts fuel ₹57,300₹0 fee, lifetime free
22. slice UPI Credit Cardslice Small Finance Bank · break-even: first rupee · cuts fuel ₹56,400₹0 fee, lifetime free
23. Utkarsh SmartGen Credit CardUtkarsh Small Finance Bank · Invite only · break-even ₹2k · cuts utilities and fuel ₹50,400₹0 joining + ₹199/yr
24. Utkarsh superCardUtkarsh Small Finance Bank · break-even: first rupee · cuts utilities and fuel ₹50,400₹0 fee, lifetime free
25. IndusInd Platinum RuPayIndusInd Bank · break-even: first rupee · cuts fuel · Ranked higher: its bonus category adds ₹10,800 a year ₹33,800₹10,000 joining
Ranks 26 to 166 141 cards
  1. IDBI Bank LIC Lumine ₹42,900
  2. LIC Axis Bank Platinum ₹35,900 · Ranked higher: its bonus category adds ₹6,500 a year
  3. BOBCARD Cashback ₹37,900 · Ranked higher: its bonus category adds ₹6,000 a year
  4. Snapdeal BOBCARD ₹38,200
  5. CASHBACK SBI Card ₹24,000 · Ranked higher: its bonus category adds ₹24,000 a year
  6. Swiggy BLCK HDFC Bank Credit Card ₹12,000 · Ranked higher: its bonus category adds ₹36,000 a year
  7. Axis Bank Shoppers Stop Credit Card ₹25,200 · Ranked higher: its bonus category adds ₹10,800 a year
  8. RBL Signature Banking ₹21,500 · Invite only · Ranked higher: its bonus category adds ₹21,600 a year
  9. Fibe Axis Bank Credit Card ₹18,000 · Ranked higher: its bonus category adds ₹21,600 a year
  10. IndusInd Platinum ₹33,800
  11. Paytm HDFC Bank Select ₹26,000 · Ranked higher: its bonus category adds ₹18,000 a year
  12. Union UNI-CARBON ₹30,700
  13. Standard Chartered Manhattan ₹30,000
  14. IndusInd Duo ₹30,000
  15. RBL Movies and More ₹16,400 · Ranked higher: its bonus category adds ₹13,500 a year
  16. ICICI Bank HPCL Coral Credit Card ₹28,500
  17. Kotak Cashback+ ₹27,000
  18. AU Prathama Credit Card ₹28,100
  19. Kotak Cashback+ Prime ₹27,000
  20. Paisabazaar Paisa Plus Credit Card ₹36,000
  21. RBL BankBazaar SaveMax Pro ₹27,000 · Invite only
  22. ICICI Bank Platinum Chip Credit Card ₹26,700
  23. IndianOil HDFC Bank Credit Card ₹25,000
  24. YES Bank POP-CLUB ₹10,100 · Ranked higher: its bonus category adds ₹14,400 a year
  25. RBL Aspire Banking ₹15,000 · Invite only · Ranked higher: its bonus category adds ₹14,400 a year
  26. Aditya Birla Capital AU Flex ₹15,000 · Ranked higher: its bonus category adds ₹9,000 a year
  27. Aditya Birla Capital AU Nxt ₹15,000 · Ranked higher: its bonus category adds ₹9,000 a year
  28. Swiggy Ornge HDFC Bank Credit Card ₹12,000 · Ranked higher: its bonus category adds ₹18,000 a year
  29. RBL Bank SalarySe UP ₹10,100 · Ranked higher: its bonus category adds ₹11,700 a year
  30. CUB CSK RuPay Platinum ₹16,600 · Ranked higher: its bonus category adds ₹5,100 a year
  31. CUB SRH RuPay Platinum ₹16,600 · Ranked higher: its bonus category adds ₹5,100 a year
  32. EazyDiner IndusInd Platinum ₹22,600
  33. HDFC Bank Millennia ₹16,000 · Ranked higher: its bonus category adds ₹12,000 a year
  34. IndianOil Kotak Credit Card ₹20,300
  35. RBL Cookies ₹16,100 · Ranked higher: its bonus category adds ₹10,100 a year
  36. PNB VISA Platinum ₹19,500
  37. IDBI Bank Aspire Platinum ₹19,400
  38. Suryoday SFB RuPay Platinum ₹19,200
  39. Suryoday SFB RuPay Select ₹19,200
  40. SimplySAVE SBI Card ₹9,400 · Ranked higher: its bonus category adds ₹12,500 a year
  41. SimplySAVE UPI SBI Card ₹9,400 · Invite only · Ranked higher: its bonus category adds ₹12,500 a year
  42. YES BANK RuPay Virtual ₹15,000 · Ranked higher: its bonus category adds ₹3,000 a year
  43. YES Bank FinBooster ₹12,600 · Ranked higher: its bonus category adds ₹4,800 a year
  44. HDFC Bank MoneyBack+ ₹14,100 · Ranked higher: its bonus category adds ₹4,800 a year
  45. YES FinBooster RuPay ₹14,100 · Ranked higher: its bonus category adds ₹3,000 a year
  46. YES Bank anQ Pi ₹14,100 · Ranked higher: its bonus category adds ₹3,000 a year
  47. RBL Patanjali Vishisht ₹12,600 · Ranked higher: its bonus category adds ₹5,300 a year
  48. AU Tejas Credit Card ₹14,100 · Ranked higher: its bonus category adds ₹2,600 a year
  49. BPCL SBI Card ₹14,400 · Ranked higher: its bonus category adds ₹2,400 a year
  50. PNB VISA Classic ₹15,000
  51. PNB VISA Gold ₹14,700
  52. IDFC FIRST Hello Cashback ₹18,000
  53. Standard Chartered Smart ₹6,000 · Ranked higher: its bonus category adds ₹12,000 a year
  54. Standard Chartered Platinum Rewards ₹9,800 · Ranked higher: its bonus category adds ₹3,200 a year
  55. RBL Shoprite ₹12,600
  56. RBL BankBazaar SaveMax ₹12,600
  57. RBL Binge ₹12,600
  58. RBL Platinum Choice ₹12,600
  59. RBL Apex ₹8,000 · Ranked higher: its bonus category adds ₹7,200 a year
  60. AU Altura Plus Credit Card ₹12,600
  61. RBL Platinum Advantage ₹12,100
  62. PM SVANidhi BOBCARD ₹12,000 · Invite only
  63. IndianOil RBL Bank XTRA Credit Card ₹56,000 · Ranked lower: includes points worth full value only in one app
  64. AU LIT Credit Card ₹11,100
  65. PRAGATI BOBCARD (RRB) ₹9,600 · Invite only
  66. Nainital Bank RENAISSANCE BOBCARD ₹9,600 · Invite only
  67. UJJIVAN SFB Platinum BOBCARD ₹9,600 · Invite only
  68. Paytm HDFC Bank Digital ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
  69. Paytm HDFC Bank Mobile ₹6,000 · Ranked higher: its bonus category adds ₹6,000 a year
  70. Federal Bank Paisabazaar Paisaback Credit Card ₹12,000
  71. Equitas Tiga ₹8,500
  72. Federal RuPay Wave Credit Card ₹8,100
  73. BOBCARD Easy (FD Backed) ₹7,700
  74. BOBCARD Select (FD Backed) ₹7,700
  75. RBL Bank QuickPay ₹7,400 · Invite only
  76. Shoppers Stop HDFC Bank ₹2,700 · Ranked higher: its bonus category adds ₹6,000 a year
  77. RBL Bank Shoppers Stop Platinum ₹2,000 · Ranked higher: its bonus category adds ₹9,000 a year
  78. IndianOil RBL Bank Credit Card ₹27,000 · Ranked lower: includes points worth full value only in one app
  79. AU Xcite Ace Credit Card ₹7,200 · Invite only
  80. RBL Bank Shoppers Stop Gold ₹3,500 · Ranked higher: its bonus category adds ₹4,500 a year
  81. RBL Paisabazaar Duet ₹6,000
  82. AU Zaggle Credit Card ₹6,000
  83. IDFC FIRST Quantum+ ₹6,000
  84. AU SPONT Credit Card ₹5,700
  85. HSBC RuPay Cashback ₹4,800
  86. Google Pay Flex Axis Bank ₹18,000 · Ranked lower: includes a promotional reward rate
  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 ₹14,100 · Ranked lower: includes points worth full value only in one app
  100. Dhi CUB Visa Signature ₹70,500 · Invite only · Ranked lower: includes a promotional reward rate
  101. Unity Bank BharatPe Credit Card ₹1,20,000
  102. Flipkart Axis Bank Credit Card ₹50,400 · Ranked higher: its bonus category adds ₹19,200 a year
  103. Utkarsh Eternal Credit Card ₹63,000 · Invite only
  104. Union Bank VISA Signature ₹60,000
  105. Equitas Selfe Secured ₹37,500
  106. YES Bank ACE ₹28,500 · Ranked higher: its bonus category adds ₹7,500 a year
  107. YES Bank Wellness ₹29,500 · Ranked higher: its bonus category adds ₹6,000 a year
  108. CUB CSK Master Platinum ₹30,200 · Ranked higher: its bonus category adds ₹5,400 a year
  109. CUB SRH Master Platinum ₹30,200 · Ranked higher: its bonus category adds ₹5,400 a year
  110. IndusInd Bank Nexxt Credit Card ₹32,000
  111. Landmark Rewards SBI Card ₹15,600 · Ranked higher: its bonus category adds ₹16,200 a year
  112. Union Bank RuPay Platinum ₹30,000
  113. Union Bank VISA Platinum ₹30,000
  114. RBL Platinum Max ₹24,200
  115. RBL Platinum Prime ₹24,200
  116. IDBI Bank Imperium Platinum ₹19,400
  117. RBL Platinum ShopGain ₹20,100
  118. Kotak 811 Credit Card ₹14,900 · Ranked higher: its bonus category adds ₹4,500 a year
  119. Kotak UPI RuPay ₹16,900
  120. Paytm HDFC Bank ₹12,000 · Ranked higher: its bonus category adds ₹6,000 a year
  121. Paisabazaar Step-Up SBM Credit Card ₹12,600
  122. RBL Platinum Plus ₹12,600
  123. TVS Credit RBL Bank ₹12,600
  124. Axis Bank Kwik ₹11,300
  125. RBL Bank Shoppers Stop Black ₹0 · Ranked higher: its bonus category adds ₹18,000 a year
  126. Indian Overseas Bank RuPay Classic ₹10,000
  127. BOBCARD VIKRAM ₹9,600 · Invite only
  128. Varunah BOBCARD ₹9,600 · Invite only
  129. YES Bank BYOC (Cashback) ₹10,800
  130. BOBCARD Easy ₹7,700
  131. BOBCARD Select ₹7,700
  132. HDFC Bank Freedom ₹4,200 · Ranked higher: its bonus category adds ₹3,600 a year
  133. RBL Platinum Delight ₹6,000
  134. RBL Paisabazaar Duet Plus ₹3,600 · Ranked higher: its bonus category adds ₹2,400 a year
  135. IDFC FIRST EA₹N ₹6,000
  136. YES Prosperity Cashback+ ₹40,800
  137. YES Prosperity Cashback ₹27,200
  138. Union Bank VISA Gold ₹15,000
  139. YES BANK EMI ₹6,000 · Ranked higher: its bonus category adds ₹12,000 a year
  140. RBL EasySaver ₹3,000 · Ranked higher: its bonus category adds ₹3,900 a year
  141. RBL MyFirst ₹2,500 · Ranked higher: its bonus category adds ₹3,900 a year

How we rank

Every card that pays you back in rupees you can be issued today, priced at ₹5 lakh a month — the start of your range, ₹5 lakh or more — 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.