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India's Top Cashback Credit Cards
Cashback credit cards offer a percentage of the spending back as cash rewards. It essentially means savings on every rupee spent. Apart from cashback, credit cards often come with additional benefits like discounts on partner merchants, travel benefits, lounge access, and others, which can further enhance savings.
Effective April 1, 2026 - Monthly cashback cap reduced from ₹5,000 to ₹4,000 (5% upto ₹2,000 + 1% upto ₹2,000). New exclusions: digital gaming platforms, tolls, government transactions.
Effective April 10, 2026 - Reward points on transportation transactions removed entirely. Domestic lounge access spend requirement increased to ₹50,000 per quarter (from ₹20,000).
Effective June 1, 2026 - Jewel redemption value for statement credit reduced from ₹2,000 to ₹1,400 per 10,000 Jewels (30% decrease).
Effective July 1, 2026 - Reward caps reduced: Insurance 250/month, PhonePe Spends 750/month, Online Shopping 750/month at 2%. Zero rewards on tolls, jewelry, education fees, gift cards, and UPI/insurance transactions outside PhonePe.
Effective July 1, 2026 - Reward caps reduced: Insurance 500/month, PhonePe Spends 1,500/month, Online Shopping 1,000/month at 5%. Zero rewards on tolls, jewelry, education fees, gift cards, and UPI/insurance transactions outside PhonePe.
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