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Best cashback credit cards at under ₹50,000 a month

HSBC Live+ comes first: it is worth ₹5,100 a year at ₹30,000 a month after the fee.

Verified 338 sources

The top 3

HSBC Live+ credit card

HSBC Live+

HSBC

₹5,100 a year at ₹30,000 a month

Ranked higher: its bonus category adds ₹9,200 a year

Keep Reward rate 1.5%–10%

The full ranking

166 cards, best first. Ranked by what each is worth a year at ₹30,000 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 ₹9,200 a year ₹5,100₹999 fee
2. Swiggy BLCK HDFC Bank Credit CardHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹5,700 a year ₹3,400₹1,000 fee
3. Swiggy Ornge HDFC Bank Credit CardHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹4,300 a year ₹3,400₹500 fee
4. CASHBACK SBI CardSBI Card · break-even ₹10k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹4,300 a year ₹3,000₹999 fee
5. Tata Neu Infinity HDFC BankHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹2,500 a year ₹5,100₹1,499 fee
6. Tata Neu Infinity SBI CardSBI Card · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹2,500 a year ₹5,100₹1,499 fee
7. Federal Bank Paisabazaar Paisaback Credit CardFederal Bank · break-even ₹5k · Ranked higher: its bonus category adds ₹3,500 a year ₹3,600₹500 fee
8. HDFC Bank MillenniaHDFC Bank · break-even ₹9k · cuts fuel · Ranked higher: its bonus category adds ₹2,900 a year ₹3,400₹1,000 fee
9. IDFC FIRST Hello CashbackIDFC FIRST Bank · break-even ₹9k · Ranked higher: its bonus category adds ₹2,900 a year ₹3,600₹1,000 fee
10. Axis Bank ACEAxis Bank · break-even ₹3k · cuts fuel · Ranked higher: its bonus category adds ₹1,300 a year ₹5,100₹499 fee
11. Axis Bank CashbackAxis Bank · break-even ₹13k · cuts fuel · Ranked higher: its bonus category adds ₹4,300 a year ₹1,400₹1,000 fee
12. AU Xcite Ace Credit CardAU Small Finance Bank · Invite only · break-even ₹8k · cuts fuel ₹7,200₹749 fee
13. YES PaisaSaveYES Bank · break-even ₹5k · cuts utilities and fuel · Ranked higher: its bonus category adds ₹2,700 a year ₹3,000₹0 joining + ₹499/yr
14. HDFC Bank PIXEL PlayHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹2,200 a year ₹3,400₹500 fee
15. Airtel Axis Bank Credit CardAxis Bank · break-even ₹5k · Ranked higher: its bonus category adds ₹1,700 a year ₹3,600₹500 fee
16. Paytm HDFC Bank SelectHDFC Bank · break-even ₹9k · cuts fuel ₹5,400₹1,000 fee
17. YES PaisaSave RuPayYES Bank · break-even: first rupee · cuts utilities and fuel · Ranked higher: its bonus category adds ₹1,800 a year ₹3,000₹0 fee, lifetime free
18. BOBCARD CashbackBOBCARD (Bank of Baroda) · break-even ₹7k · cuts groceries and fuel · Ranked higher: its bonus category adds ₹2,900 a year ₹1,800₹499 fee
19. AU Xcite Credit CardAU Small Finance Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹2,400 a year ₹2,400₹249 fee
20. Standard Chartered ManhattanStandard Chartered · break-even ₹10k (waiver) · Ranked higher: its bonus category adds ₹2,900 a year ₹1,800₹999 fee
21. Tata Neu Plus HDFC BankHDFC Bank · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹1,300 a year ₹3,400₹499 fee
22. Fibe Axis Bank Credit CardAxis Bank · break-even: first rupee · cuts fuel · Ranked higher: its bonus category adds ₹1,300 a year ₹3,400₹0 fee, lifetime free
23. Axis Bank Freecharge PlusAxis Bank · Invite only · break-even ₹4k · cuts fuel · Ranked higher: its bonus category adds ₹1,300 a year ₹3,400₹350 fee
24. Standard Chartered SmartStandard Chartered · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹1,300 a year ₹3,400₹499 fee
25. Flipkart SBI CardSBI Card · break-even ₹5k · cuts fuel · Ranked higher: its bonus category adds ₹1,400 a year ₹2,900₹500 fee
Ranks 26 to 166 141 cards
  1. Kotak Cashback+ Prime ₹1,600 · Ranked higher: its bonus category adds ₹2,900 a year
  2. ESAF INORI RuPay Platinum ₹4,500
  3. Amazon Pay ICICI Bank ₹3,000 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  4. Axis Bank SuperMoney RuPay ₹3,000 · Ranked higher: its bonus category adds ₹1,400 a year
  5. Kotak Cashback+ ₹1,600 · Ranked higher: its bonus category adds ₹2,700 a year
  6. Tata Neu Plus SBI Card ₹3,400
  7. IDBI Bank LIC Eclat Select ₹3,800
  8. Paytm HDFC Bank Digital ₹3,400
  9. IndianOil HDFC Bank Credit Card ₹1,800 · Ranked higher: its bonus category adds ₹2,100 a year
  10. IDFC FIRST Quantum+ ₹3,600
  11. HDFC PIXEL Go ₹3,400
  12. IndianOil Kotak Credit Card ₹1,800 · Ranked higher: its bonus category adds ₹1,900 a year
  13. SBM MobiKwik First Credit Card ₹3,600
  14. Paisabazaar Paisa Plus Credit Card ₹3,000
  15. RBL Movies and More ₹2,000
  16. slice UPI Credit Card ₹3,400
  17. AU Zaggle Credit Card ₹1,800 · Ranked higher: its bonus category adds ₹1,600 a year
  18. Union UNI-CARBON ₹2,500 · Ranked higher: its bonus category adds ₹1,000 a year
  19. RBL Apex ₹3,000
  20. Utkarsh Wish Credit Card ₹2,400 · Ranked higher: its bonus category adds ₹1,100 a year
  21. RBL Cookies ₹1,600 · Ranked higher: its bonus category adds ₹2,100 a year
  22. AU SPONT Credit Card ₹3,100
  23. Snapdeal BOBCARD ₹2,100 · Ranked higher: its bonus category adds ₹1,100 a year
  24. IDBI Bank LIC Lumine ₹3,200
  25. Utkarsh SmartGen Credit Card ₹3,000 · Invite only
  26. Utkarsh superCard ₹3,000
  27. RBL Paisabazaar Duet ₹3,000
  28. RBL Shoprite ₹800 · Ranked higher: its bonus category adds ₹2,600 a year
  29. RBL Aspire Banking ₹3,000 · Invite only
  30. PVR INOX Kotak ₹3,100
  31. HSBC RuPay Cashback ₹2,800
  32. IndusInd Platinum RuPay ₹2,000
  33. RBL Bank DMI Finance ₹3,000
  34. RBL Binge ₹800 · Ranked higher: its bonus category adds ₹2,100 a year
  35. LIC Axis Bank Platinum ₹2,200
  36. RBL Patanjali Vishisht ₹800 · Ranked higher: its bonus category adds ₹1,800 a year
  37. RBL BankBazaar SaveMax Pro ₹600 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  38. AU Altura Plus Credit Card ₹2,200
  39. RBL Signature Banking ₹500 · Invite only · Ranked higher: its bonus category adds ₹1,300 a year
  40. HDFC Bank MoneyBack+ ₹800 · Ranked higher: its bonus category adds ₹1,500 a year
  41. IndusInd Samman RuPay ₹2,400
  42. Paytm HDFC Bank Mobile ₹1,700
  43. Axis Bank Shoppers Stop Credit Card ₹1,500
  44. BPCL SBI Card ₹900 · Ranked higher: its bonus category adds ₹1,100 a year
  45. ICICI Bank HPCL Coral Credit Card ₹1,700
  46. EazyDiner IndusInd Platinum ₹2,900
  47. IndusInd Platinum ₹2,000
  48. SimplySAVE SBI Card ₹600 · Ranked higher: its bonus category adds ₹1,400 a year
  49. SimplySAVE UPI SBI Card ₹600 · Invite only · Ranked higher: its bonus category adds ₹1,400 a year
  50. AU Tejas Credit Card ₹800 · Ranked higher: its bonus category adds ₹1,100 a year
  51. IndusInd Duo ₹1,800
  52. IDBI Bank Aspire Platinum ₹1,800
  53. ICICI Bank Platinum Chip Credit Card ₹1,600
  54. BOBCARD Swavlamban ₹1,800
  55. AU Prathama Credit Card ₹1,500
  56. YES Bank POP-CLUB ₹600
  57. Google Pay Flex Axis Bank ₹5,800 · Ranked lower: includes a promotional reward rate
  58. AU Altura Credit Card ₹1,200
  59. Aditya Birla Capital AU Flex ₹900
  60. Aditya Birla Capital AU Nxt ₹900
  61. Shoppers Stop HDFC Bank ₹300 · Ranked higher: its bonus category adds ₹1,000 a year
  62. RBL Bank SalarySe UP ₹600
  63. Federal RuPay Wave Credit Card ₹1,400
  64. CUB CSK RuPay Platinum ₹1,000
  65. CUB SRH RuPay Platinum ₹1,000
  66. RBL BankBazaar SaveMax ₹800
  67. HDFC Bank UPI RuPay ₹800
  68. HDFC Bank UPI RuPay Mega Saver ₹800
  69. PRAGATI BOBCARD (RRB) ₹600 · Invite only
  70. Suryoday SFB RuPay Platinum ₹1,200
  71. Suryoday SFB RuPay Select ₹1,200
  72. Nainital Bank RENAISSANCE BOBCARD ₹600 · Invite only
  73. UJJIVAN SFB Platinum BOBCARD ₹600 · Invite only
  74. RBL Bank Shoppers Stop Gold ₹500
  75. AU InstaPay RuPay Credit Card ₹1,200
  76. YES Bank FinBooster ₹800
  77. RBL Platinum Choice ₹800
  78. YES FinBooster RuPay ₹800
  79. YES Bank anQ Pi ₹800
  80. YES BANK RuPay Virtual ₹900
  81. BOBCARD Select (FD Backed) ₹500
  82. IndianOil RBL Bank XTRA Credit Card ₹5,200 · Ranked lower: includes points worth full value only in one app
  83. PNB VISA Classic ₹900
  84. BOBCARD Easy (FD Backed) ₹500
  85. PM SVANidhi BOBCARD ₹700 · Invite only
  86. IndianOil RBL Bank Credit Card ₹1,600
  87. PNB VISA Platinum ₹700
  88. DCB PayLess Select Credit Card ₹0
  89. AU LIT Credit Card ₹700
  90. PNB VISA Gold ₹600
  91. IndusInd ePay Amex ₹600
  92. Standard Chartered Platinum Rewards ₹400
  93. DCB PayLess Platinum Credit Card ₹1,000
  94. Equitas Tiga ₹500
  95. RBL Bank QuickPay ₹400 · Invite only
  96. RBL Platinum Advantage ₹300
  97. Reliance SBI Card ₹800
  98. Dhi CUB Visa Signature ₹4,200 · Invite only · Ranked lower: includes a promotional reward rate
  99. Utkarsh Rhodium Credit Card −₹1,200 · Invite only
  100. RBL Bank Shoppers Stop Platinum −₹3,500
  101. Unity Bank BharatPe Credit Card ₹7,200
  102. RBL Platinum ShopGain ₹4,300 · Ranked higher: its bonus category adds ₹1,400 a year
  103. RBL Platinum Delight ₹4,500
  104. Equitas Selfe Secured ₹400 · Ranked higher: its bonus category adds ₹4,000 a year
  105. Flipkart Axis Bank Credit Card ₹2,500 · Ranked higher: its bonus category adds ₹1,200 a year
  106. Paytm HDFC Bank ₹3,400
  107. Utkarsh Eternal Credit Card ₹3,800 · Invite only
  108. Landmark Rewards SBI Card ₹2,300 · Ranked higher: its bonus category adds ₹1,000 a year
  109. Union Bank VISA Signature ₹3,600
  110. RBL Paisabazaar Duet Plus ₹1,500
  111. IDFC FIRST EA₹N ₹1,800
  112. YES Bank ACE ₹1,700
  113. IndusInd Bank Nexxt Credit Card ₹1,900
  114. YES Bank BYOC (Cashback) ₹1,800
  115. Union Bank RuPay Platinum ₹1,800
  116. Union Bank VISA Platinum ₹1,800
  117. CUB CSK Master Platinum ₹1,800
  118. CUB SRH Master Platinum ₹1,800
  119. YES Bank Wellness ₹1,300
  120. IDBI Bank Imperium Platinum ₹1,800
  121. Kotak 811 Credit Card ₹2,000
  122. RBL Platinum Max ₹500
  123. RBL Platinum Prime ₹500
  124. Varunah BOBCARD ₹600 · Invite only
  125. BOBCARD VIKRAM ₹600 · Invite only
  126. Kotak UPI RuPay ₹1,000
  127. BOBCARD Select ₹500
  128. RBL Platinum Plus ₹800
  129. TVS Credit RBL Bank ₹800
  130. BOBCARD Easy ₹500
  131. HDFC Bank Freedom ₹300
  132. Paisabazaar Step-Up SBM Credit Card ₹800
  133. Axis Bank Kwik ₹700
  134. Indian Overseas Bank RuPay Classic ₹600
  135. RBL Bank Shoppers Stop Black −₹8,500 · Ranked higher: its bonus category adds ₹2,200 a year
  136. YES BANK EMI ₹3,600
  137. YES Prosperity Cashback+ ₹1,000 · Ranked higher: its bonus category adds ₹1,500 a year
  138. YES Prosperity Cashback ₹700 · Ranked higher: its bonus category adds ₹1,600 a year
  139. Union Bank VISA Gold ₹900
  140. RBL EasySaver −₹300
  141. RBL MyFirst −₹800

How we rank

Every card that pays you back in rupees you can be issued today, priced at ₹30,000 a month — a typical spend inside your range, under ₹50,000 — 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.