13 CARDS · RATES AS OF 28 OCTOBER 2026

Best cashback credit cards

Cards that pay you back in money, not points, ranked by how much they earn in the apps you use. HSBC Live+ is the strongest cashback card across the 28 apps Pickkard tracks, earning about 6.01% on average.

#1
HSBC Live+
Best: 10% on Airtel Thanks, AJIO and BigBasket and more
About 6.01% back on average across 28 apps
₹999 a yearPaid as cashback
#2
Cashback SBI
Best: 5% on AJIO, Amazon and Apollo 24|7 and more
About 4.46% back on average across 28 apps
₹999 a yearPaid as cashback
#3
Swiggy BLCK HDFC
Best: 10% on Swiggy and Swiggy Instamart
About 3.32% back on average across 28 apps
₹1,000 a yearFee waived at ₹75,000 spendPaid as cashback
#4
Swiggy Ornge HDFC
Best: 5% on AJIO, Amazon and BookMyShow and more
About 2.96% back on average across 28 apps
₹500 a yearFee waived at ₹1,50,000 spendPaid as cashback
#5
Airtel Axis
Best: 25% on Airtel Thanks
About 2.79% back on average across 28 apps
₹500 a yearFee waived at ₹2,00,000 spendPaid as cashback
#6
Cashback+ Kotak
Best: 5% on BigBasket, Blinkit and BookMyShow and more
About 2.23% back on average across 28 apps
₹750 a yearFee waived at ₹2,00,000 spendPaid as cashback
#7
Eternal SBI
Best: 10% on District and Zomato
About 2% back on average across 28 apps
₹499 a yearFee waived at ₹2,00,000 spendPaid as cashback
#8
PaisaSave YES
Best: 6% on Cleartrip, Domino's and Goibibo and more
About 1.96% back on average across 28 apps
₹499 a yearFee waived at ₹499 spendPaid as cashback
#9
Smart StanChart
Best: 2% on Airtel Thanks, AJIO and Amazon and more
About 1.93% back on average across 28 apps
₹499 a yearFee waived at ₹1,20,000 spendPaid as cashback
#10
Flipkart SBI
Best: 7.5% on Myntra
About 1.8% back on average across 28 apps
₹500 a yearFee waived at ₹3 spendPaid as cashback
#11
Flipkart Axis
Best: 7.5% on Myntra
About 1.77% back on average across 28 apps
₹500 a yearFee waived at ₹3,50,000 spendPaid as cashback
#12
Swiggy HDFC
Best: 10% on Swiggy and Swiggy Instamart
About 2.75% back on average across 28 apps
No new applications
₹500 a yearFee waived at ₹2,00,000 spendPaid as cashback
#13
Axis ACE
Best: 4% on Swiggy and Zomato
About 1.58% back on average across 28 apps
No new applications
₹499 a yearFee waived at ₹10,000 spendPaid as cashback

Questions people ask

What is the best cashback credit card?

HSBC Live+ is the strongest cashback card across the 28 apps Pickkard tracks, earning about 6.01% on average. The right one still depends on where you shop: open an app’s page to see the best card there.

How are these ranked?

By the average reward across every app Pickkard covers, valued the way the bank shows first. Cards you can still apply for come first.

Fees and rewards are as per each bank’s published terms and can change. Pickkard isn’t a bank and isn’t paid by any bank for these lists.