Updated 2026
Cashback Cards That Actually Pay Back
Most cashback cards bury the good rate behind caps and exclusions. These don’t.
Annual Fee
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Showing 7 of 7 cards
✓5% cashback via Google Pay
✓4% on utilities & bill payments
✓2% on all other spends
✓Fee waived at ₹2L annual spend
✓5% cashback on Amazon for Prime members
✓2% for non-Prime
✓Zero annual fee
✓Unlimited cashback, no cap
✓5% cashback on ALL online spends
✓No merchant restrictions
✓Fee waived at ₹2L spend
✓Fuel surcharge waiver
IDFC FIRST Wealth
SponsoredIDFC FIRST Bank · Visa
Annual Fee
Free
Reward Rate
6X
Lounge
∞0
✓ZERO annual fee
✓Unlimited domestic lounge visits
✓10X points on online spends
✓Dynamic interest rate (9%-42%)
✓Auto cashback credited monthly
✓4% on dining & online
✓2% on all other spends
✓8 domestic lounge visits/year
Standard Chartered Ultimate
Standard Chartered · Mastercard
Annual Fee
₹5,000
Reward Rate
3.3X
Lounge
04
✓5% cashback on online merchants
✓Complimentary Priority Pass
✓4 international lounge visits/year
✓Taj Epicure membership benefit
Flipkart Axis Bank
SponsoredAxis Bank · Visa
Annual Fee
₹500
Reward Rate
1.5X
Lounge
40
✓5% cashback on Flipkart, Myntra, 2GUD
✓4% on partner merchants
✓Fuel surcharge waiver
✓Fee waived at ₹2L spend
