NeoFinQ
Cashback Credit Card card art
Axis BankAxis BankVisa

Cashback Credit Card

4.2NeoFinQ editorial rating

5% cashback on utility bill payments and recharges via Google Pay; 1.5% flat cashback on all other spends.

  • Up to 7% cashback on online spends
  • 0.75% unlimited on offline & travel
  • Cashback credited directly to statement
  • Low fee (waivable on ₹4L spend)
Compare
Joining fee
₹499
Annual fee
₹499
Reward type
cashback
Best for
Cashback
Est. rewards
₹21,000/yr

Our verdict

Solid, no-fuss option for heavy online spenders delivering up to 7% cashback on digital purchases.

Perfect for

  • Online shoppers who spend most purchases digitally
  • Users seeking straightforward cashback up to 7% on online spends

Not ideal for

  • Users needing lounge access or travel perks
  • High offline/utility spenders

Pros & cons

  • Up to 7% cashback on online spends
  • 0.75% unlimited on offline & travel
  • Cashback credited directly to statement
  • Low fee (waivable on ₹4L spend)
  • Cashback capped at ₹4,000/month on online spends
  • Lower rates on non-online (0.75%/0.5%)
  • No lounge access

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Cashback Credit Card

Annual fee ₹499