HDFC Bank
ReviewedHDFC Bank Millennia
5% cashback across ten popular online brands with a fee most users waive on spend.
5% on select merchantsLounge access
Annual fee
₹1,000 + GST
SBI Card · Visa
SBI Cashback Card
5% cashback on almost every online merchant with no category list to memorise.
Our verdict
The best pure-cashback card for most Indian households. If your online spend crosses ₹20,000 a month, it pays for its own fee twice over.
What works
- 5% on virtually all online spend — no merchant list, no reward points to convert.
- Cashback is auto-credited to the statement, so nothing expires or needs redeeming.
- 1% fuel surcharge waiver up to ₹100 per statement cycle.
Watch-outs
- Cashback capped at ₹5,000 per statement cycle.
- Excludes rent, wallets, utilities, insurance, jewellery and EMI transactions.
- No lounge access or travel insurance at any spend level.
Eligibility snapshot
Typical income
₹30,000+ / month
Credit score
750+ (approvals are strict)
Age
21–70 years
Underwriting is decided by the issuer and is often stricter than the advertised minimums. An existing relationship with the bank materially improves your odds.
Also worth comparing for flat online cashback
HDFC Bank
Data verifiedHDFC PIXEL Play
Fully digital card where you choose two 5% cashback categories and manage everything in-app.
5% on chosen packsLounge access
Annual fee
₹500 + GST
HDFC Bank
Data verifiedSwiggy HDFC Bank Credit Card
10% cashback on Swiggy food, Instamart and Dineout, plus 5% on other online spend.
10% on Swiggy
Annual fee
₹500 + GST
Ready to apply for the SBI Cashback Card?
Takes under a minute. We hand you off to SBI Card's official secure application — no middlemen, no data resold.