Updated 2026
Cashback Cards That Actually Pay Back
Most cashback cards bury the good rate behind caps and exclusions. These don’t.
Annual Fee
Network
Sort:
Showing 21 of 21 cards
✓5% cashback on ALL online spends
✓No merchant restrictions
✓Fee waived at ₹2L spend
✓Fuel surcharge waiver
✓5% cashback on Amazon for Prime members
✓2% for non-Prime
✓Zero annual fee
✓Unlimited cashback, no cap
✓5% NeuCoins on Tata brands
✓1.5% on all other spends
✓NeuCoins usable across Tata ecosystem
✓2 domestic lounge visits/year
✓5% cashback via Google Pay
✓4% on utilities & bill payments
✓2% on all other spends
✓Fee waived at ₹2L annual spend
✓10% cashback on Airtel bills
✓Good for utility payments
✓Low annual fee
✓Fee waived at ₹2L spend
✓5% cashback on online spends (Amazon, Flipkart, etc.)
✓1% on other spends
✓4 domestic lounge visits/year
✓Fuel surcharge waiver
✓Fuel surcharge waiver
✓Utility bill rewards
✓Low annual fee
✓Fee waived at ₹1.5L spend
✓10X points on Amazon, BookMyShow, Cleartrip
✓Fee waived at ₹1L spend
✓5X on all online spends
✓Easy approval process
✓10X rewards on dining, movies, groceries
✓Fuel surcharge waiver
✓Low annual fee
✓Good for grocery shoppers
✓ZERO annual fee forever
✓4 domestic lounge visits/year
✓3X on online spends
✓Low interest rate from 9%
✓Flat 5% cashback on all online spends
✓No merchant restrictions
✓Cashback posted monthly
✓Annual fee waived on spend
✓5% cashback on OTT & gaming
✓3% cashback on dining
✓Customisable via HDFC app
✓No fuel surcharge
✓Lifetime free — zero annual fee
✓Cashback on online spends
✓No minimum spend required
✓HDFC app management
IDFC FIRST Hello Cashback
IDFC FIRST Bank · Visa
Annual Fee
Free
Reward Rate
2X
Lounge
00
✓Lifetime free — zero annual fee
✓Cashback on dining and shopping
✓IDFC FIRST app management
✓Quick approval
✓Lifetime free — zero annual fee
✓5% cashback on online shopping
✓No merchant restrictions
✓Cashback on dining spends
✓Lifetime free — zero annual fee
✓Simple cashback structure
✓No minimum spend
✓Quick digital application
Kotak League Platinum
Kotak Mahindra Bank · Visa
Annual Fee
₹499
Reward Rate
2X
Lounge
00
✓Cashback on all spends
✓Low annual fee of ₹499
✓Annual fee waived on spend
✓Fuel surcharge waiver
Kotak Cashback Plus
Kotak Mahindra Bank · Visa
Annual Fee
₹499
Reward Rate
3X
Lounge
00
✓Tiered cashback on online spends
✓Annual fee waived on spend
✓Simple monthly cashback
✓No merchant restrictions
✓Flat 5% cashback on online spends
✓No merchant restrictions
✓Annual fee waived on spend
✓Cashback posted monthly
✓Lifetime free — zero annual fee
✓UPI credit via RuPay
✓Cashback on digital spends
✓Backed by SBM Bank India
✓10% cashback on Swiggy orders
✓Low annual fee of ₹500
✓Good for food delivery regulars
✓Fee waived at ₹2L spend