Cashback & online shopping
For someone who spends ₹30,000 a month, mostly online. Tap any card to see its maths.
The numbers
- SHSBC Live+rewards ₹15,240 · fee waived₹15,240a year
- ACASHBACK SBIrewards ₹11,520 · fee waived₹11,520a year
- BHDFC Millenniarewards ₹10,560 · fee waived₹10,560a year
- BFlipkart Axisrewards ₹9,960 · fee waived₹9,960a year
- CAmazon Pay ICICIInvite only · rewards ₹8,160₹8,160a year
- CAirtel Axisrewards ₹7,560 · fee waived₹7,560a year
- DHDFC Tata Neu Infinityrewards ₹5,040 · fee waived₹5,040a year
- DSimplyCLICK SBIrewards ₹3,930 · fee waived₹3,930a year
Not ranked: Swiggy HDFC Bank (Being replaced by the bank), Kiwi YES BANK Klick RuPay (on Kiwi) (Rewards are based on UPI payments, not these categories).
How we rankThe same formula for every card
Each list imagines one kind of spender. For every card we add up, in ₹ a year:
rewards on that spending, using the same rates and caps as Find my card
− the annual fee, unless that spending waives it
+ forex saved compared with a 3.5% markup, on the list's foreign spending
+ lounge visits unlocked at that spending, at ₹500 each, up to the list's limit
Tiers compare each score with the best card in the list: S is 85% or more of the top score, A 70%, B 55%, C 40%, D below that.
Cards are left out when new applications are paused, when the card is being replaced, or when the bank gives no ₹ value for its points. Welcome gifts and milestone bonuses are not counted. Fees exclude GST.
A new edition comes out every month, so a card moves when its bank changes the rules. ▲ ▼ show moves since last month.