Cashback Calculator

Calculate how much cashback you earn on your credit card in India. Break down cashback by spending category and compare effective cashback rates across cards.

Credit Card Cashback Calculator

Calculate cashback earned across spending categories

Online shopping spend / month Rs 10,000
Rs
Online cashback rate 5%
%
Offline / grocery spend / month Rs 15,000
Rs
Offline cashback rate 1%
%
Fuel spend / month Rs 3,000
Rs
Fuel cashback rate 1%
%
Utility / other spend / month Rs 5,000
Rs
Utility cashback rate 2%
%
Annual cashback
---
per year
Monthly cashback
---
per month
Effective cashback rate
---
on total spend
Online cashback/month---
Offline cashback/month---
Fuel cashback/month---
Utility cashback/month---
Total annual cashback---

Cashback subject to monthly/quarterly caps set by the bank. Check your card's terms for actual limits.

Chart
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ThriftRupee Insight

Maximising cashback is about matching the right card to each spending category. A 5% cashback on groceries from one card + 5% on fuel from another + 2% on everything else from a third card can earn 3-4% effective cashback -- far better than a single 1.5% flat cashback card. The strategy: identify your top 3 spending categories, get the best card for each, and use them accordingly. Auto-pay all cards in full each month.

Credit Card Cashback Calculator India 2026

Calculate monthly and annual cashback earned across online, offline, fuel, and utility spend categories. Find your effective cashback rate and compare card options.

Frequently asked questions

What is a good cashback rate on a credit card in India?▼
1-2% is standard. 3-5% is very good on specific categories. Top cashback cards in India: Axis Ace (2% base, 5% on utility payments), HDFC Millennia (5% on Amazon/Flipkart), SBI Cashback (5% on online, 1% offline), Amazon Pay ICICI (5% on Amazon Prime, 2% otherwise). Always check monthly/quarterly caps that limit actual cashback earned.
Is cashback or reward points better?▼
Cashback is simpler and always useful. Reward points offer higher value if redeemed for flights/hotels (1-2x better than cashback rate) but require effort and can expire. For most users, cashback is better -- no expiry, no minimum threshold, direct credit to account. Points make sense for frequent flyers who can leverage airline mile transfers for premium cabin redemptions.
What are cashback caps on credit cards?▼
Most cashback cards cap earnings: HDFC Millennia: Rs 1,000/quarter per merchant. SBI Cashback: Rs 5,000/month online. Axis Ace: Rs 500/month on utility. These caps effectively reduce the cashback rate for heavy spenders in those categories. Always check the fine print -- a 5% card with a Rs 500 cap is only 5% on the first Rs 10,000 of spend in that category.

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