1 ★
SBI Card Cashback SBI Card
5% cashback on all online spends with no merchant restrictions, 1% offline. Best blanket online cashback card in India.
₹999 approx · varies by merchant
View on EarnKaro Top 5 cashback credit cards in India under ₹2K fee — 2026 picks
- ✓Net-of-fees rankings
- ✓Spend-pattern modeled
- ✓Lounge access verified
- ✓No approval promises
At a glance
Our picks, in detail
2
Amazon Pay ICICI Bank Amazon Pay Credit Card
5% cashback on Amazon for Prime members, 3% for non-Prime, 2% on Amazon-Pay merchants, 1% elsewhere. No annual fee.
₹0 approx · varies by merchant
View on EarnKaro 3
HDFC Bank Millennia Credit Card
5% cashback on Amazon, Flipkart, Swiggy, Zomato, Cult.fit, Sony LIV, Tata CLiQ, BookMyShow, Myntra and Uber. 1% on others.
₹1,000 approx · varies by merchant
View on EarnKaro 4
Axis Bank ACE Credit Card
5% cashback on bill payments via Google Pay, 4% on Swiggy/Zomato/Ola, 1.5% on everything else.
₹499 approx · varies by merchant
View on EarnKaro 5
Flipkart Axis Bank Flipkart Credit Card
5% cashback on Flipkart and Cleartrip, 4% on preferred partners (Swiggy, Uber, PVR, Cult.fit), 1.5% elsewhere.
₹500 approx · varies by merchant
View on EarnKaro How we picked
Deterministic ranking formula: 30% use-case fit · 25% trust (rating × log of reviews) · 20% commercial signal · 15% content quality · 10% availability. We never accept payment to promote.
For more, see our full methodology.
Frequently asked
Will I get approved?
Approval is entirely at the issuer's discretion. Our cards work for typical India salary profiles ₹50K+/month with a CIBIL of 700+, but nothing is guaranteed.
Is the joining fee worth it?
For most cards we cover, the welcome benefits + first-year rewards exceed the joining fee. We flag cards where the math only works for specific spending profiles.
How many cards is too many?
2-3 is the sweet spot for most: one daily-spend cashback + one lounge-access travel card + optional one for a specific category (fuel or grocery).