Cashback credit cards
Cards that return a share of your spending as money rather than points.
4 cashback cards listed on CardSetu, sorted by annual fee then minimum income.
Who this category suits
People who want simple, predictable value on everyday spends and do not want to manage a reward catalogue. Check monthly caps and which platforms earn the higher rate.
- Lowest annual fee in this list
- ICICI Shopper Rewards · Lifetime free
- Lowest minimum income in this list
- ICICI Shopper Rewards · ₹25K/month
Cashback cards on CardSetu
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹25K/mo
2. AU Small Finance Bank
AU Switch
Lifetime free
Lounge: 2 domestic lounge visits a quarter when travel feature is enabled
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹30K/mo
- Annual fee
- ₹499
- Joining fee
- ₹499
- Min. income
- ₹25K/mo
4. Axis Bank
Axis Edge Cashback
5% cashback on utility bills and mobile recharges via UPI apps
Lounge: 4 domestic lounge visits per year
- Annual fee
- ₹499
- Joining fee
- ₹499
- Min. income
- ₹25K/mo
Figures describe the cards currently listed on CardSetu, not the whole Indian market. Fees and benefits are indicative; verify with the issuer.