Cards with High Cashback Rates on Specific Categories:

Cards with High Cashback Rates on Specific Categories:

• Airtel Axis Bank Credit Card:
  • 25% cashback on Airtel Mobile, Broadband, Wi-Fi, and DTH bill payments via the Airtel Thanks App (capped at ₹250 per statement).
  • 10% cashback on utility bill payments (gas, electricity, etc.) via the Airtel Thanks App (capped at ₹250 per statement).
  • 10% cashback on Swiggy, Zomato & Bigbasket (capped at ₹500 per statement).
  • 1% cashback on all other spends, including UPI.
• Swiggy HDFC Bank Credit Card:
  • 10% cashback on food orders, Instamart, Dineout & Genie via the Swiggy app.
  • 5% cashback on online spends across various merchants.
  • 1% cashback on other categories.
• HSBC Live+ Credit Card:
  • 10% accelerated cashback (up to ₹1,000 per month) on all dining, food delivery, and grocery spends.
  • 1.5% unlimited cashback on most other spends (exclusions apply).
• Axis Bank ACE Credit Card:
  • 5% cashback on bill payments (DTH, internet, electricity, gas, etc.) via Google Pay.
  • 4% cashback on Swiggy, Zomato, and Ola.
  • 1.5% cashback on all other spends.

Cards with Good Cashback on Online Spends:

• Cashback SBI Card:
  • 5% cashback on all online spends without any merchant restrictions (capped at ₹5,000 per month).
  • 1% cashback on offline spends.
• HDFC Millennia Credit Card:
  • 5% cashback on spends with select online merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato (in the form of CashPoints).
  • 1% cashback on all other spends (excluding certain categories).
• Standard Chartered Smart Credit Card:
  • 2% cashback on all online spends.
  • 1% cashback on all other spends (excluding fuel).
• Amazon Pay ICICI Bank Credit Card:
  • 5% cashback on Amazon purchases for Prime members.
  • 3% cashback on Amazon purchases for non-Prime members.
  • 2% cashback on purchases from Amazon Pay partner merchants.
  • 1% cashback¹ on all other payments.

Other Notable Cashback Cards:

• Flipkart Axis Bank Credit Card: Offers 5% cashback on Flipkart and Myntra, 4% on Swiggy, PVR, and Uber, and 1.5% on other spends.
• HDFC Bank MoneyBack+ Credit Card: Offers 10X CashPoints on select online merchants and cashback on other spends.
• YES Prosperity Cashback Credit Card: Offers up to 5% cashback on cinema tickets and grocery purchases, and 0.75% cashback on other purchases (excluding fuel).
• AU Bank LIT Credit Card: Offers customizable cashback benefits, allowing you to choose categories where you want higher cashback.

Important Considerations:

• Cashback Caps and Exclusions: Most cashback credit cards come with monthly or annual caps on the maximum cashback you can earn. Also, certain transaction categories (like fuel, rent, utilities for some cards, EMI conversions, and wallet loads) might be excluded from cashback benefits. Always check the terms and conditions carefully.
• Fees: Consider the joining and annual fees of the card. Sometimes, a card with a lower cashback rate but no annual fee might be more beneficial in the long run, depending on your spending habits. Look for cards with annual fee waivers based on spending milestones.
• Your Spending Habits: The “best” cashback card for you depends entirely on where you spend the most. If you are a frequent online shopper, a card with high cashback on e-commerce platforms would be ideal. If your spending is concentrated on specific categories like groceries or dining, choose a card that offers higher rewards on those.
• Other Benefits: While cashback is the primary focus here, also consider other benefits like reward points, travel perks (lounge access), discounts, and offers that might be valuable to you.

To find the absolute maximum cashback for your specific spending patterns, you would need to:

1. Analyze your spending: Track your monthly expenses across different categories.
2. Compare multiple cards: Look at the cashback percentages and caps offered by various cards on your key spending categories.
3. Calculate potential savings: Estimate the amount of cashback you could realistically earn annually with each card based on your spending.

Remember to visit the official websites of the respective banks and card issuers for the most up-to-date information on features, fees, and terms and conditions before applying for a credit card.