Best Cashback Credit Cards in India: Jupiter Edge+ vs Flipkart Axis and More

When it comes to choosing a cashback credit card in India, most people look for one thing above all — real savings across their everyday spending. Cashback cards have grown in popularity because they simplify rewards. Unlike reward points that require conversion or redemption, cashback directly reduces your bill, making the value transparent and immediate. But not all cards are equal. Some shine in a single category like Flipkart or Amazon, while others like Jupiter Edge+ provide a more balanced structure across shopping, travel, and daily expenses. The real question is — which one saves you the most over time?
The comparison below examines Jupiter Edge+, Flipkart Axis Bank, Amazon ICICI, Axis Cashback, SBI Cashback, Tata Neu HDFC, and Scapia Travel. Each card has its own target audience, but the numbers make it clear where the best value lies.

Cashback Comparison at Different Spend Levels

Why Jupiter Edge+ Outshines Competitors

Looking at the numbers, Jupiter Edge+ dominates across all spend ranges, offering the maximum possible cashback consistently. At ₹10,000 to ₹25,000 spends — which is the sweet spot for most Indian users — it provides full utilization of its caps with 10% on shopping, 5% on travel, and 1% on other expenses. This balanced structure ensures you are not tied to one platform or merchant network. The additional perk of a free one-year Amazon Prime subscription worth ₹1,499 adds even more real-world value, combining lifestyle benefits with financial savings.

By comparison, the Flipkart Axis Bank Credit Card can look attractive on paper because it gives up to 5% cashback on Flipkart, Myntra, and a few other preferred partners, which include businesses where Flipkart has ownership stakes or investments. However, this strength is also its biggest limitation. If your lifestyle revolves heavily around Flipkart’s ecosystem, then yes, this card can deliver slightly higher cashback at very high spend levels — as seen at ₹50,000 where it reaches ₹2,944 versus Jupiter’s ₹2,650. But in everyday diversified use, Flipkart Axis falls behind because cashback is restricted outside its preferred platforms, leaving you with much lower returns on offline, travel, or non-partner shopping.

The Amazon ICICI Card is another niche option, tailored to Amazon loyalists. At 5% cashback on Amazon.in (for Prime members), it is a solid card if nearly all your spending happens on Amazon. But as soon as you move beyond the platform, cashback drops to just 1%, making it weaker compared to Edge+. Similarly, the SBI Cashback Card provides a straightforward 5% on online purchases, but again with caps and no enhanced rewards on offline or travel categories. Axis Cashback does fairly well with tiered rates, but the ceiling comes earlier than Jupiter’s optimized structure. Tata Neu HDFC Infinity works only for those who are locked into Tata brands like BigBasket, Croma, or 1mg, and Scapia Travel at 4% offers a flat-rate benefit primarily for those who spend on travel categories.

Cashback at ₹10,000 Monthly Spend

For those spending around ₹10,000 a month, which is typical for light users or beginners, Jupiter Edge+ gives the maximum return of ₹1,000. Flipkart Axis trails at ₹750, but only if you spend largely on Flipkart or its partners. Amazon ICICI maxes at ₹500, and SBI Cashback also touches ₹500 with online transactions. This shows that even at a modest spend level, Jupiter provides double the cashback of Amazon ICICI and 30% more than Flipkart Axis, making it the better choice for small to mid-level spenders.

Cashback at ₹25,000 Monthly Spend

At the mid-range ₹25,000 monthly spend, the difference becomes even clearer. Jupiter Edge+ gives the full ₹2,000 cashback, perfectly optimized across shopping, travel, and other spends. Flipkart Axis returns only ₹1,694, which looks decent but is heavily tilted towards what Flipkart spends. Amazon ICICI stands at ₹1,250, and SBI Cashback provides the same amount for online-only usage. In other words, someone using Jupiter Edge+ saves ₹750 more per month than Amazon ICICI users — that’s ₹9,000 in additional cashback per year, not including Jupiter’s free Amazon Prime subscription worth ₹1,499.

Cashback at ₹50,000 Monthly Spend

For higher spenders at ₹50,000 a month, the Flipkart Axis Card technically beats Jupiter Edge+ on paper, delivering ₹2,944 compared to Jupiter’s ₹2,650. However, this is only realistic if you are spending a large chunk of that money exclusively on Flipkart and its subsidiaries, which isn’t the case for most people. In diversified real-world spending — online shopping across brands, travel bookings, utility bills, and offline purchases — Jupiter Edge+ still provides maximum usable cashback. Even if Flipkart’s raw number is higher, the practicality of earning it is limited to very specific spending patterns, whereas Jupiter allows flexibility across categories.

The Real-World Verdict

When evaluating cashback credit cards in India, it’s important to ask: do you want a card that works everywhere, or a card that only works best in one shop? This is where Jupiter Edge+ clearly wins for most Indian consumers. With its category-based optimization, higher overall caps, and lifestyle add-ons like free Amazon Prime, it is built for diverse spending patterns that include shopping, travel, and routine payments.

Flipkart Axis Bank Credit Card is strong but narrowly focused on Flipkart and its subsidiaries. Amazon ICICI is perfect for die-hard Amazon buyers. SBI Cashback is good for pure online spenders. Scapia Travel is a traveler’s card. But none of these offer the same level of consistency, flexibility, and monthly maximum cashback potential as Jupiter Edge+.

In conclusion, if you want a credit card that doesn’t tie you to a single marketplace and instead rewards your everyday life, Jupiter Edge+ is the best cashback credit card in India right now. It may not always give the absolute peak at extremely high Flipkart-only spends, but for the majority of users who spend across categories, it delivers maximum real savings month after month.