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Indian Oil RBL Xtra Credit Card
If you spend up to ~ ₹13,000 / Month on Fuel at the Indian Oil (IOCL) fuel Station, then you can apply for this card. This card offers one of the highest cashback rates on Fuel spending, which is 7.5% Cashback + 1% Fuel surcharge waiver.
You can get 7.5% Cashback while filling your tank till the maximum limit of ₹1,000/ Month cashback on spend of around ₹13,000.
Best card for Monthly fuel spending of up to ₹13,000 at IOCL Fuel Station to get 7.5% Cashback.
3,000 Fuel Points (₹1,500 Cashback) on 1st transaction.
If there is no IOCL Fuel Station nearby, or wants higher limit can go for another fuel card.
Yes Bank Rupay Credit Card
1000 Amazon Gift Voucher
Kiwi Credit Card
UPI is a very common mode of payment. If you also spend a lot through UPI, then the virtual credit card of Kiwi can give you a lot of cashback upto 5% on every UPI spend, understand it easily:-
If you take this card, then it is free, and without taking any membership, you’ll get 1.5% cashback on every UPI spend until the limit.
But if you spend a lot on UPI & take its Kiwi Neon membership, then you’ll get 3-5% cashback on spend for example, at ₹50,000 spending you’ll get 3% on every payment, at ₹1 Lakh will get 4% & at ₹1.5 Lakh 5% Cashback which in form of Kiwi points & can be withdraw to bank account directly.
- Along with each milestone, you’ll get lounge access, so 3 Lounge Access also be available to its users.
- The maximum limit of cashback per month is 1% of the total card limit, which is also not bad for UPI spending.
My Final verdict is that this is a very good lifetime free credit card for UPI spending as cashback to directly bank account. So good to go if you don’t need it for any other purpose, then it is a good card. If you want cashback on every other spending, not on UPI, then you can find other options also.
Best card for frequent UPI spending users to get real cashback. without membership for small users and if you spend a lot then with membership upto 5% cashback on UPI is great.
₹100 Cashback on Joining
Not for those who wants cashback on other online spending. In that case you can get other better cashback credit card.
Flipkart Axis Credit Card
Flipkart Axis Card is Good for those who frequently use Flipkart (5%), Myntra (7.5%) for shopping, Cleartrip (5%) for tickets and other platforms like Swiggy, Uber, PVR, Cult.fit, TATA 1mg, TATA Play (4% Cashback).
But the maximum limit of cashback is not good, only ₹4,000 / Quarter for different categories also Annual fee Waiver is also higher (3.5L / Year).
Best for those who are regular user of above mentioned platforms and spend under its limit, then you will get maximum benefit out of it.
₹500 Flipkart vouchers on 1st transaction.
Other than those platform this card offers very less cashback. so ideal for platform based users otherwise you can go for other card which gives cashback across platform.
Swiggy HDFC Credit Card
Best card for those who frequently order on Swiggy, Instsamart will get 10% Cashback, will save ₹1,500 / Month on spends of ₹15,000 spends Also, 5% Cashback across other online spending.
So if you shop/spend online and order food frequently, it can be a great card for You upto its limit. With it on only Swiggy and other platforms, you can save ₹36,000 / Year (including Swiggy + other online shopping).
If you rarely use swiggy then you can get a better cashback card with a higher cashback limit, so now you have to decide what suits you.
Best card for Swiggy users (10%) and who shops online (5%) for cashback.
3 Month Swiggy One Membership
Not for those who rarely use swiggy or Instamart, you can get other cards also.
SBI Cashback Credit Card
This is one of the best cashback credit cards with 5% cashback on all online spending without any platform restrictions. Along with it, 1% cashback on offline spend. 1% Fuel surcharge waiver and 4 domestic lounge access make it the best cashback credit card right now in this category.
There is a maximum limit of ₹5,000 / Month cashback, which is higher than almost all other cashback credit cards. The cashback is directly settled in the next due bill and is easy to manage.
Best Card for Flat 5% Cashback on online spending up to ₹1 Lakh / Month.
Not for who spend more than a lakh per month because of its maximum limit also this is not free to Apply.
HDFC Millennia Credit Card
This card gives 5% Cashback on online spending on these platforms: Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, BookMyShow, Cult.fit, Sony LIV, TATA CLiQ. Apart from this any other online spending there is 1% Unlimited cashback offers. So, if you’re a regular user, then it can be a good option, although the maximum limit is ₹1,000 /Month for each category.
Also, this card offers ₹1,000 cashback every quarter on spending of ₹1 Lakh in a quarter. You can redeem these or use them for airport lounge access. There is 1% fuel surcharge waiver, also with a limit of ₹250 / Month.
So, overall, if your spending will be according to its maximum cashback limit, then it can be a good option to get; otherwise, there are other cashback cards also with higher limits and the same cashback rate.
Good card for those spending for cashback (5%) as per the maximum limit per month with many additional benefits on spending.
₹1,000 Cashpoint on payment of joining fee (so it become free)
Not for high spending because of cashback limits & also 5% cashback with only limited platforms, so the better alternatives are available.
Axis Cashback Credit Card
If you spend regularly online and wants upto 7% cashback, then the Axis Cashback card is a good option. Yet, there is not a flat 7% cashback; instead, it’s Spending-based cashback, ranging from 2% to 7% up to a maximum limit of ₹4,000 / Month cashback, which makes the effective cashback rate around 5.71%. This is also a good cashback rate. Apart from that, it has unlimited cashback of 0.75% on offline spends and travel.
Now, if your primary aim is to get cashback just from online spending, then you can consider this card. If you spend 45-70 thousand per month, then this card is good for you. for Low spending should, go for another card and the same for higher spenders because of the limit.
For more details, you can click below and read a full review or compare it with others.
Good for those who wants 7% cashback. To get maximum benefit of this card ideal spend range is 45-70K/ Month.
Worth ₹1,000 Welcome Bonus to offset joining fee
No any major benefit other than cashback, No lounge access & fees also high if your spending is low
Axis Atlas Credit Card
2 Airport Lounge Access