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Best cashback credit cards in 2026

Cashback is the simplest reward: money back on your bill, no points to track. Compare the rate on the spends you make most, and check the monthly cap.

See the top 10 โ†’Personal match in 30 sec
โœ“ Every apply link checked by handโœ“ Rankings never use commissionโœ“ No calls, no spam โ€” we never ask for your numberโœ“ Links last verified 5 Oct 2026How we pick โ†’
  1. 1

    Axis Bank

    Axis Ace Credit Card

    • Low Annual Fee Of โ‚น499, Waived On โ‚น2 Lakh Yearly Spend
    • 5% Cashback On Bill Payments & Recharges Via Google Pay
    • 4% Cashback On Zomato, Swiggy And Ola Rides
    Apply โ†’Details
  6. 6

    HDFC Bank

    HDFC Swiggy BLCK Credit Card

    • 10% Cashback On Swiggy โ€” Food, Instamart & Dineout (โ‚น1,500/Month Cap)
    • 5% Cashback On Amazon, Flipkart, Myntra & Select Online (โ‚น1,500/Month Cap)
    • 1% Cashback On All Other Spends
    • โ‚น1,000 Joining Fee, Waived On โ‚น75,000 Spend In 90 Days
    Apply โ†’Details

Before you apply โœ…

  • Check the monthly cashback cap โ€” high rates often stop at a small limit.
  • Rent, fuel and wallet loads are often excluded.
  • Work out whether the cashback beats the annual fee at your spend.

Questions

Is cashback better than reward points?

Cashback is simpler and its value is fixed. Points can be worth more if you redeem them well, usually on travel.

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Ranked by how well each card's stated benefits match this need โ€” never by commission. How we pick cards. Some links are affiliate links; we may earn a commission at no cost to you. Fees and benefits are set by the bank and can change.