💰 Cashback Credit Card Eligibility Tool
Find the best cashback cards for your spending – online, fuel, groceries & more
🔍 Enter Your Details
Maximize Your Cashback
Enter your CIBIL, monthly spend & preferred category to see cards with highest cashback rates.
💵 Cashback Credit Cards: Earn While You Spend
Cashback credit cards reward you with a percentage of your spending back as statement credit or points. The best card for you depends on your CIBIL score, monthly spend, and where you spend most (online, fuel, groceries). This tool matches you with cards offering maximum cashback in your preferred category.
🏆 Top Cashback Cards by Category
- Online Shopping: SBI Cashback Card (5% online), Amazon Pay ICICI (5% for Prime), Flipkart Axis (5% on Flipkart).
- Fuel: BPCL SBI (6.25% surcharge waiver + 1% cashback), HPCL Enrich (2.5% cashback).
- Groceries & Dining: HDFC Tata Neu (5% NeuCoins), Axis My Zone (2% on dining).
- Everyday / Mixed: OneCard (1-2% unlimited), IDFC FIRST Select (2% on all spends).
🧮 How This Tool Calculates Your Best Card
Based on your CIBIL score, monthly spend, and category preference, we recommend cards where you'll earn the most:
- CIBIL 750+ & high spend: Premium cashback cards like SBI Cashback, Amazon Pay ICICI.
- CIBIL 700–749: Entry-level cashback cards (e.g., Flipkart Axis, BPCL SBI).
- CIBIL 650–699: Secured/FD cards with cashback or OneCard (flexible).
- Category-specific: If you select "fuel", we prioritize fuel cards; if "online", we show online cashback cards.
📊 Understanding Cashback Caps & Fees
- SBI Cashback: 5% online (max ₹5,000/month), 1% others. Fee ₹999 (waived on spends >₹2L).
- Amazon Pay ICICI: 5% for Prime members (capped), 3% for non-Prime. Lifetime free.
- Flipkart Axis: 5% on Flipkart, 4% on Cleartrip, 1.5% others. Fee ₹500 (waived).
- BPCL SBI: 6.25% fuel surcharge waiver + 1% cashback. Fee ₹500 (waived on spends >₹50K).
- IDFC FIRST Select: 2% unlimited cashback (if paid via app). Fee ₹0 LTF.
💡 Tips to Maximize Cashback
- Use the right card for each category (e.g., fuel card at petrol pumps, online card for e-commerce).
- Track monthly cashback caps – don't exceed where you earn lower rate.
- Pay bills on time – interest charges wipe out cashback gains.
- Combine with card offers (e.g., Amazon Pay ICICI with sale discounts).
- If your spend is low, pick a lifetime free card with decent base cashback (e.g., IDFC FIRST).
📈 Cashback vs Reward Points: What's Better?
Cashback is simpler – you get real money back. Reward points need redemption and may have conditions. For most people, cashback cards offer better value unless you travel frequently and can use points for flights/hotels.
Use this tool to find your ideal cashback card. Remember to apply for only one card at a time to minimize hard inquiries.
❓ Frequently Asked Questions (Cashback Cards)
SBI Cashback Card offers 5% cashback on all online spends (max ₹5,000/month). It's one of the best for online shopping.
Yes, Amazon Pay ICICI is lifetime free. IDFC FIRST Select and IDFC FIRST Wealth are also LTF with unlimited 2% cashback (via app).
BPCL SBI Card gives 6.25% fuel surcharge waiver + 1% cashback. HPCL Enrich and IOCL cards are also good.
You may get entry-level cards like Flipkart Axis or OneCard (they use alternative data). Secured cashback cards (FD-based) are also an option.
Usually as statement credit in the next billing cycle. Some cards give points that you redeem for cash.
Always check annual fees and caps. Some cards charge high fees but waive them on spends. Read the MITC (Most Important Terms & Conditions).
