49 open cards whose structured reward, lounge, or fee data qualifies them for cashback.
SBI Card
A genuine cashback card with no merchant restriction on the 5% online rate, undercut by an exclusion list SBI itself says is incomplete — utilities, insurance, fuel, rent, wallets, education, jewellery and railways all earn nothing, 'and more'.
SBI Card
Genuine cashback, not points — 5% Flipkart, 7.5% Myntra, no redemption arithmetic needed. The one Flipkart-side card without ICICI's Amazon-side complication of a points programme wearing a percentage label.
SBI Card
Genuine cashback, stated as direct percentages, with a "1 Reward Point = Re. 1" line explaining the underlying mechanic — modelled as cashback rather than points, the same treatment as Flipkart SBI Card.
SBI Card
The higher Paytm tier — nearly double the base card's Paytm Travel cashback rate, real lounge access, and a renewal-fee waiver its own KFS row doesn't show but its product page states directly.
Axis Bank
Genuine, bracketed cashback on online spends (2%/5%/7% depending on monthly spend level) and a flat 0.75% on everything offline — explicitly confirmed on its own page to carry NO fuel surcharge waiver at all, unlike most of this portfolio.
Axis Bank
A fintech co-brand sourced only to existing Fibe app customers, earning genuine cashback that rounds down per transaction — the issuer's own worked example confirms this exactly.
Axis Bank
Genuine, tiered cashback — 7.5% Myntra, 5% Flipkart/Cleartrip, 4% preferred merchants, 1% everything else — each with its own quarterly cap, credited directly with no points conversion.
Axis Bank
A mixed-currency card — EDGE Reward Points on general spend, plus a separate 10% direct cashback specifically on Samsung purchases — whose own page independently confirms Axis's 55.55% default APR in so many words.
Axis Bank
The higher Freecharge tier — genuine cashback rather than points, also explicitly invite-only, whose only welcome benefit is stated by the issuer itself to no longer apply to any currently-issuable card.
Axis Bank
An Airtel Thanks App cashback co-brand — a 1% uncapped base rate multiplies into 25%/10% accelerators on Airtel bill payments, but only up to a relative cap tied to that same base spend, and lounge access was explicitly discontinued in April 2026.
Axis Bank
A Google Pay co-brand cashback card whose flagship 5% rate is still live-gated to Google Pay specifically — one of two Axis cards in this dataset where the issuer's own documents genuinely disagree on the joining fee, and the only Axis card with no published eligibility criteria at all.
Axis Bank
A Fixed Deposit-backed secured card (₹15,000-₹25 lakh FD, guaranteed approval) sitting in Axis's lower 49.36% APR secured tier — earns the same 4-points-per-₹200 rate as its unsecured My Zone sibling, per a lower-confidence source, plus 25% cashback on movie tickets.
Axis Bank
A zero-fee UPI-first cashback co-brand with Flipkart Group's super.money — its top 3% rate is capped relative to what was separately earned at 1% in the same cycle, and the issuer's own press release and T&C PDF disagree on whether ₹500/cycle is a hard ceiling.
Kotak Mahindra Bank
A Fixed Deposit-backed super.money co-brand with no page anywhere on kotak.bank.in itself — genuine cashback outside the standard Reward Points programme, at a Kotak-wide-low 2% forex/DCC, but no fuel or railway surcharge waiver at all.
Kotak Mahindra Bank
A genuine flat-cashback card — 1 reward point always equals ₹1, no catalogue/cash split — at 5% on online groceries/food/entertainment and 3% on fuel, both sharing one combined ₹750/cycle cap; cash advance is not available at all.
Kotak Mahindra Bank
The Cashback+ sibling with an added 5% auto-dealer accelerator and a 0.5% base rate on insurance spends (capped at ₹25,000/cycle) — but the issuer's own FAQ explicitly confirms this card has no lounge access at all.
AU Small Finance Bank
A low-fee entry card stacking up to 5 AU Rewardz points per ₹100 with a separate 10% cashback layer on five named merchants (Amazon Fresh, Zomato, District, Uber/Ola/Rapido, AU 0101), each capped at ₹50/month.
AU Small Finance Bank
A genuine cashback card (2% groceries/departmental/utility, 1% other retail) rather than AU Rewardz points — its "8 lounge visits/year" benefit is railway lounge access, not airport, and its cash-advance limit (40%) is double the entry-tier cards'.
AU Small Finance Bank
The card's own page states two genuinely unreconciled reward structures for offline spend at once — a 1.5% cashback line and a separate 1-point-per-₹100 line — both kept as-is rather than one being silently discarded; online spend earns 2 points per ₹100.
AU Small Finance Bank
A RuPay UPI card earning genuine 1% cashback (capped ₹500/cycle) plus a separate, unpriced "coins" currency on every UPI transaction — the only AU Bank card confirmed to have no annual-fee waiver of any kind, at any spend level.
AU Small Finance Bank
The one card in the Xcite family paying genuine milestone-tiered cashback (1%/2%/3% at ₹7,500/₹12,500/₹20,000 monthly spend) rather than category points, capped at ₹600/statement cycle, with spend-gated airport lounge access.
AU Small Finance Bank
A virtual-only, invite-only card offered exclusively to existing AU Bank credit cardholders — explicitly stated as "currently applicable for the select base only" — sharing its credit limit with the cardholder's primary card but billed separately.
AU Small Finance Bank
One of AU Bank's Aditya Birla co-brand pair (with ABC Flex) — marketed identically on a shared page, earning up to 6 points per ₹200 on utilities/grocery/education, with a quarterly milestone that DOUBLES every earn rate above ₹50,000 spend.
AU Small Finance Bank
The other half of AU Bank's Aditya Birla co-brand pair (with ABC Nxt) — identical terms on the same shared page, distinguished only by a separate login portal and co-brand name.
AU Small Finance Bank
The higher Aditya Birla co-brand tier — 10 points per ₹200 on travel/dining/international spend, a discounted 1.99% forex markup, and genuinely two-part lounge access: spend-gated domestic airport visits PLUS a separate annual Priority Pass visit.
IndusInd Bank
Explicitly restricted to government sector employees in the card's own title and Cardholder's Agreement cover — the only currently-active card in this portfolio with that restriction, now that a previously-anticipated "Platinum Aura Edge for Government Sector" variant is confirmed discontinued.
RBL Bank
An entry Patanjali co-brand card built around 10% cashback at Patanjali stores, with no lounge access and no published point redemption value for its general spend.
RBL Bank
The higher-fee Patanjali co-brand tier, adding domestic lounge access and a bigger Patanjali cashback cap over Vishisht, at a fixed ₹1,499 fee with no spend waiver.
RBL Bank
A TVS Credit co-brand card with real spend-gated lounge access, whose "up to ₹0.25" point value sits alongside RBL's own boilerplate disclaiming that points carry any guaranteed value at all.
RBL Bank
A no-fee (for current applicants) flat 1% cashback card on retail and online spend, with a modest ₹500/month cap.
RBL Bank
A step up from Duet with an accelerated travel-and-dining cashback rate, and the only card in this co-brand pair with a genuine fuel surcharge waiver.
RBL Bank
A voucher-only entertainment card with no per-rupee reward rate at all — value comes entirely from monthly BookMyShow discounts.
RBL Bank
The direct replacement for RBL's discontinued Titanium Delight card, mixing modest points with brand-specific cashback (Zomato, Myntra, Uber) at an unusual monthly-billed fee.
RBL Bank
A flat-rate cashback card on fuel, ride-hailing, and groceries, with real (if modest) domestic lounge access.
RBL Bank
A low-fee grocery cashback card with no lounge access or fuel benefit, and an unstated redemption value for its points-form cashback.
RBL Bank
ShopDaily's sibling, adding a monthly BookMyShow offer, but with the same discontinued-lounge contradiction seen on Binge and ShopSmart's own marketing page.
RBL Bank
A fuel and ride-hailing cashback card with no stated lounge access at all, despite the travel-suggestive name.
RBL Bank
Platinum Choice's fuel-cashback-focused sibling, stacking a 10% fuel cashback on top of the standard fuel surcharge waiver.
RBL Bank
A relationship-tier cashback card, free only for RBL's Aspire Banking segment — a general applicant cannot obtain it at all.
RBL Bank
The richer relationship-tier cashback card above Aspire Banking, with unconditional domestic lounge access and a genuine fuel surcharge waiver — free only for RBL's Signature Banking segment.
RBL Bank
A genuinely open-application cashback card, not gated like its Aspire/Signature Banking siblings — its fee waiver instead depends on opening a new RBL savings account alongside the card.
Yes Bank
A RuPay conversion product for existing UNI Credit Card holders only, earning cashback-style Uni coins with no disclosed INR value.
Yes Bank
A dining-and-travel-accelerated cashback card with an unusually clean, directly-stated 1:1 point-to-rupee redemption rate.
Yes Bank
A virtual-only RuPay variant restricted to existing Paisabazaar PaisaSave cardholders, adding a UPI cashback tier over the base card.
Yes Bank
A 0%-forex fintech co-brand card earning uncapped 1% cashback as Uni coins with no disclosed rupee value, issued only through the Uni partner app.
Yes Bank
A configurable "Build Your Own Card" family — this entry covers only the Regular/Cashback variant's headline terms, since Yes Bank's own documents leave the cashback cap genuinely contradictory.
Yes Bank
A flat 1% cashback card built around automatic EMI conversion on eligible transactions, with no lounge access.
Bank of Baroda
A flat 1% cashback card with an accelerated e-commerce rate, billed either annually or monthly — cannot be added as an upgrade to an existing BOBCARD variant.
Bank of Baroda
A no-fee, 0%-forex fintech co-brand cashback card with a directly disclosed ₹0.01/coin value, whose own KFS carries a genuine compounding-rate discrepancy on its stated APR.
