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Card cashback is becoming more category-led in 2026. With online shopping and bill payments rising, users are comparing caps, exclusions and annual fee waivers.
Daily payments in India are shifting faster to cards and UPI, but cashback value still depends on where the spend happens. A recent Business Standard report updated 27-01-2026 put April to December FY26 credit card spends at ₹17.65 trillion, helped by festive demand and higher e-commerce usage.
At the same time, UPI closed December 2025 with a record ₹28 lakh crore value, showing how competitive digital payments have become. In this environment, users want clean cashback rates on groceries, bills and online shopping.
Households are seeing repeat spends across groceries, food delivery, recharges, broadband and constant online shopping. The problem is that many cards still give low base returns unless spends are routed through specific apps or merchants.
News data shows the shift is real: Business Standard reported December 2025 credit card spends at ₹2.05 trillion and said it was the 4th time in 2025 monthly spends crossed ₹2 trillion. On the payments side, Times of India reported UPI volumes at 2,163 crore in December 2025, with value nearly ₹28 lakh crore. Users are now actively optimising categories.
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For broad online shopping, CASHBACK SBI Card remains a popular comparison point with 5% cashback on online spends and 1% on offline, while listing exclusions like utilities, insurance, fuel, rent and wallet loads.
Read More - FD-Backed Credit Cards Rise As No-Score Access Expands
For bill-heavy households, Axis Bank ACE Credit Card positions itself around 5% cashback on utility bill payments and recharges via Google Pay, plus accelerated cashback on apps like Swiggy and Zomato, with a ₹500 combined monthly cap on the high-cashback buckets as per Axis’ capping note.
For Airtel users, Airtel Axis Bank Credit Card offers 25% cashback on Airtel bill payments capped at ₹250 per statement cycle, 10% on utility bills capped at ₹250, and 10% on Swiggy, Zomato and bigbasket capped at ₹500, as listed on Axis Bank’s product page. The same cashback hooks are also summarised by LoansJagat in its card explainer dated 19-09-2025, which is frequently referenced by comparison shoppers.
For Amazon-first buyers, Amazon Pay ICICI Bank Credit Card continues to be positioned as a no-fee option, with ICICI listing Joining Fee: NIL and Annual Fee: NIL and stating Prime vs non-Prime rewards on Amazon spends. For partner-merchant users, HDFC Millennia documents 5% cashback via CashPoints on listed merchants capped at 1,000 CashPoints per month, and 1% on other spends capped at 1,000 CashPoints.
Before selecting, here is the quick fit view.
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The choice becomes sharper when caps, fees and redemption costs are added.
The market is not just about card features. Spend behaviour is also changing. Business Standard’s 27-01-2026 report said April to December FY26 e-commerce card transactions rose to ₹11.03 trillion, while PoS transactions reached ₹6.63 trillion, signalling heavier online usage. That same report said outstanding credit cards grew to 115.78 million in December 2025.
Also Read - Using Too Many Credit Cards In India 2026? Ideal Number, Risks, Credit Score Impact Explained
On the commerce side, RedSeer’s report dated 26-08-2025 projected festive e-commerce GMV of ₹1.15 lakh crore+, with 20% to 25% growth and quick commerce projected to surge 150% YoY. This helps explain why grocery and “instant delivery” categories are now central to cashback battles.
Card payment forecasts also stayed bullish. FashionNetwork’s report dated 21-11-2025 cited GlobalData, projecting India’s card payments market to grow 9.4% in 2025 to ₹30.1 trillion. On the payments side, Economic Times reported 21.63 billion UPI transactions in December 2025, with value at ₹27.97 lakh crore.
In Business Standard’s 27-01-2026 report, CareEdge Ratings’ Saurabh Bhalerao said spending improved due to GST-related relaxation and festival demand.
Economic Times quoted Cashfree Payments CEO Akash Sinha saying UPI usage reflects “structural behaviour change” across metros and tier 2 and tier 3 cities. Axis and SBI product pages continue to highlight their cashback positioning through published value charts and terms.
Daily-spend cards are now a category game, not a brand game. Users typically get better savings by pairing 1 online-heavy card with 1 bills and groceries card.
