Lifetime Free

Axis Bank ACE Credit Card

A lifestyle cashback card with good rewards on utility, grocery & online spends.

Rating 4.2 Cashback

Cashback Seekers Everyday Users Online & Utility Spends

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

2.5% cashback on utility bill payments via Axis Net / ATM / Phone banking / UPI

Accelerated

5% cashback on online spends (capped monthly); 2% cashback on groceries & food orders (as per bank caps)

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Entry Level Paid

Axis Bank Airtel Credit Card

High cashback on Airtel spends and everyday bill payments.

Rating 4.4 Cashback

Airtel Customers Utility Bill Payments Food Delivery & Grocery

Joining Fee

₹500

Annual Fee

₹500

Base Rewards

1% cashback on all other eligible spends

Accelerated

25% cashback on Airtel payments; 10% on utility bills; 10% on Swiggy, Zomato & BigBasket (all capped monthly)

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Entry Level Paid

Axis Bank IndianOil Credit Card

Earn cashback on fuel, everyday spends & use savings at IndianOil outlets.

Rating 4.0 Cashback

Frequent Fuel Users Grocery & Bill Payments Everyday Spend Savers

Joining Fee

₹500

Annual Fee

₹500

Base Rewards

1% cashback on all other eligible spends

Accelerated

2% on IndianOil fuel; 5% on groceries, utilities & select food delivery (capped monthly)

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Entry Level Paid

Axis Bank My Zone Credit Card

Earn accelerated cashback on everyday spends, entertainment & utility payments.

Rating 4.1 Cashback

Utility Spenders Entertainment & Streaming Users Everyday Cashback Seekers

Joining Fee

₹500

Annual Fee

₹500

Base Rewards

1% cashback on all other eligible spends

Accelerated

5% on utilities; 4% on entertainment & streaming; 2% on groceries & food delivery (capped monthly)

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Entry Level Paid

Axis Bank Neo Credit Card

A cashback-focused card with rewards on everyday spends and utility payments.

Rating 4.1 Cashback

Cashback Seekers Everyday Bill Payments Online & Grocery Spends

Joining Fee

₹500

Annual Fee

₹500

Base Rewards

1% cashback on all other eligible spends

Accelerated

5% on utilities; 3–5% on online & travel; 2% on groceries & dining (capped monthly)

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Premium

BOBCARD Cashback Credit Card

Turn every purchase into a rewarding experience with high online cashback.

Rating 4.2 Cashback

Online Shoppers (Amazon, Flipkart, Swiggy, Blinkit) Budget-conscious users Everyday Spend Management

Joining Fee

₹499

Annual Fee

₹499

Base Rewards

1% Cashback on all offline transactions and other eligible spends (Unlimited).

Accelerated

5% Cashback on eligible domestic online spends (4% accelerated + 1% base).

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Lifetime Free

BOBCARD Uni GoldX Credit Card

Lifetime free card with simple cashback & flexible pay options.

Rating 4.0 Cashback

Beginners Everyday Spending Online Shopping

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

1% cashback on eligible spends

Accelerated

No fixed category-based accelerated structure.

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Premium

CSB Edge Plus Credit Card

10% Cashback on Amazon, Flipkart & More.

Rating 4.3 Reward Points

Online Shopping Cashback E-commerce Spends Everyday Spending Amazon & Flipkart Users

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

1% rewards on all eligible spends

Accelerated

Up to 10% rewards on selected online shopping categories

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Entry Level Paid

IDFC First Hello Credit Card (FD-Backed)

Secured credit card backed by fixed deposit with simple cashback benefits.

Rating 4.0 Cashback

Credit Builders Cashback Seekers First-Time Credit Users

Joining Fee

₹0

Annual Fee

₹1,180

Base Rewards

Standard 1% cashback on regular spends.

Accelerated

1%–5% cashback on select categories like utilities, groceries & online spends (as per bank terms).

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Entry Level Paid

Kotak Cashback Plus Credit Card

Enjoy 5% Cashback on online grocery, food delivery & entertainment with Zero Joining Fee.

Rating 4.2 Cashback

Online Shoppers Foodies Daily Commuters

Joining Fee

₹0

Annual Fee

₹750

Base Rewards

0.5% cashback on all other eligible transactions.

Accelerated

5% cashback on online grocery, food delivery, and entertainment; 3% cashback on fuel spends.

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Entry Level Paid

RBL Bank ShopRite Credit Card

Cashback on everyday purchases with special savings at partner retail & utility spends.

Rating 4.0 Cashback

Everyday Shoppers Grocery & Retail Spends Utility Bill Payments

Joining Fee

₹499

Annual Fee

₹499

Base Rewards

1% cashback on all other eligible spends

Accelerated

5% on ShopRite retail & grocery partners; 3% on utilities & online; 2% on dining (capped monthly)

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Lifetime Free

SBM Credilio Credit Card

Secured FD-backed credit card with unlimited cashback and easy approval.

Rating 3.5 Cashback

New credit users Students Housewives Freelancers Everyday spenders

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

1% cashback on all spends (varies by variant and offer).

Accelerated

Up to 10X rewards on specific spends via UPI (RuPay app campaigns), subject to campaign terms.

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Lifetime Free

YES Bank Kiwi Credit Card

A lifetime free RuPay credit card offering cashback on UPI spends.

Rating 4.0 Cashback

UPI Payments QR Transactions Everyday Spending

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

Up to 1% cashback on eligible UPI transactions.

Accelerated

Higher cashback tiers (up to 5%) based on Kiwi app milestones and spending slabs.

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Lifetime Free

YES Bank ZAGG Credit Card

High UPI cashback card with movies, dining & lounge benefits — completely free for life.

Rating 4.5 Cashback

UPI Users Movie & Dining Lovers Domestic Travelers

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

Up to 3% Rio Coins on eligible UPI & card spends (minimum ₹50 transaction).

Accelerated

Up to 3% Rio Coins on UPI & card transactions; capped at 1.5% of total credit limit per billing cycle.

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Premium

SBI Cashback Credit Card

5% Real Cashback on all online spend.

Rating 4.5 Cashback

Online Shopping Cashback E-commerce Spends Everyday Spending Amazon & Flipkart Users

Joining Fee

₹1,179

Annual Fee

₹1,179

Base Rewards

5% cashback on eligible online spends, capped at ₹2,000 per statement cycle

Accelerated

No category-based acceleration. Flat cashback structure.

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