Best Cashback Credit Cards in India

BOBCARD requires salaried applicants to be 21-60 years old with a minimum net annual income of ₹3 lakh, or 24-65 years old and ₹3.6 lakh net income if self-employed. A CIBIL score around 700+ is typically expected, and fuel, rent, government, insurance and a handful of other spend categories are explicitly excluded from earning cashback.

SBI typically looks for a minimum monthly income of around ₹20,000 for salaried applicants on its mid-tier cashback cards, alongside a credit score of 700 or higher. Cashback is capped at ₹5,000 per statement cycle, so very high online spenders won't see the 5% rate apply indefinitely within a single billing period.

HDFC requires a net monthly income above ₹35,000 for salaried applicants (age 21-40) or an ITR above ₹6 lakh for the self-employed, along with a CIBIL score of 750+. CashPoints redeem at ₹1 for statement credit but drop to roughly ₹0.30 via SmartBuy flight and hotel bookings, and unused points expire after 2 years.

ICICI typically requires a minimum monthly income of ₹20,000 for salaried applicants applying for this card, with no separate joining fee to offset since it's lifetime free. Non-Prime members earn a lower 3% (instead of 5%) on Amazon, and cashback is credited directly to your Amazon Pay balance rather than the card statement.

Axis generally requires a minimum monthly income of ₹15,000 for salaried applicants on this entry-tier card, with age 18-70. The 5% Google Pay utility cashback is capped at ₹500 a month and only works through the Google Pay app specifically - it doesn't apply if you pay utility bills directly through Axis's own app or net banking.

HSBC requires a minimum annual income of ₹6 lakh for salaried applicants (18-65 years) and ₹12 lakh for the self-employed, and restricts applications to around 20 named Indian cities including Delhi NCR, Mumbai and Bengaluru. The 10% dining/grocery rate caps out once you've earned ₹1,000 in cashback for the month, after which spends in those categories drop to the base 1.5% rate.

Standard Chartered typically requires a minimum monthly income of ₹18,000-25,000 for salaried applicants on this entry card, with a preferred credit score above 700. Cashback is capped at ₹2,000 per statement cycle, so heavy online spenders may not see the 2% rate apply on their entire monthly spend.

HDFC requires a minimum monthly income of around ₹25,000 for salaried applicants on this entry-tier card, lower than the ₹35,000 threshold for Millennia. The 10% Swiggy cashback is capped at ₹1,500 per statement cycle, and the complimentary Swiggy One membership runs for 3 months from activation, not renewing automatically after that.

Axis generally requires a minimum monthly income of ₹15,000-20,000 for salaried applicants on this lifetime-free co-branded card. Unlike Axis ACE, cashback here posts as Flipkart-redeemable value on some transaction types rather than a pure statement credit - check the redemption mechanism for each merchant category before assuming it behaves identically.