{"id":8123,"date":"2026-05-10T20:05:00","date_gmt":"2026-05-10T14:35:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=8123"},"modified":"2026-05-10T19:54:18","modified_gmt":"2026-05-10T14:24:18","slug":"top-5-cashback-credit-cards-under-500-annual-fee-axis-ace-kiwi-more","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-cashback-credit-cards-under-500-annual-fee-axis-ace-kiwi-more\/","title":{"rendered":"Top 5 Cashback Credit Cards Under \u20b9500 Annual Fee: Axis Ace, Kiwi &amp; More"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>Nowadays, while most premium credit cards offer decent benefits across various categories, they usually charge a very high annual fee. However, there are several low annual fee credit cards available in the market that offer excellent benefits through rewards, cashback, and discounts, all with an annual fee that is within \u20b9500.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>When used responsibly, credit cards can turn out to be a useful tool that allows you to spend less on everyday things. People often think that only high-end or costly credit cards can provide huge perks. However, that&#8217;s not necessarily the case.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1865810031\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p>A credit card that charges annual fees below \u20b9500 may give good rewards in terms of cashback for purchases made on a regular basis, such as grocery items, food delivery services, fuel costs, shopping, UPI payments, and electricity bills. Such affordable cards can yield substantial benefits without draining your pockets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-cashback-credit-cards-under-500-annual-fee\" style=\"font-size:22px\"><strong>Best Cashback Credit Cards Under \u20b9500 Annual Fee<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-axis-bank-ace-credit-card\" style=\"font-size:18px\"><strong><a href=\"https:\/\/bitli.in\/kSD4CL0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Axis Bank ACE Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/kSD4CL0\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/Axis-Bank-ACE-Credit-Card-1-1024x683.jpg\" alt=\"Axis ACE Credit Card\" class=\"wp-image-3295\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/Axis-Bank-ACE-Credit-Card-1-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/Axis-Bank-ACE-Credit-Card-1-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/Axis-Bank-ACE-Credit-Card-1-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<p>The Axis Bank ACE Credit Card has become one of the most sought-after entry-level cashback cards in India, especially amongst young professionals and Google Pay users.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3910003537\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Membership Fee: <\/strong>\u20b9499<\/li>\n\n\n\n<li><strong>Annual Fee: <\/strong>\u20b9499 (no fee for spends above \u20b92 lakhs annually)<\/li>\n\n\n\n<li><strong>Interest Rate:<\/strong> 3.75% monthly interest rate<\/li>\n\n\n\n<li><strong>Cashback Scheme:<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback when paying bills &amp; making mobile\/DTH payments through Google Pay<\/li>\n\n\n\n<li>4% cashback on Swiggy, Zomato, and Ola spends<\/li>\n\n\n\n<li>1.5% cashback on all other spends<\/li>\n\n\n\n<li>Combined cap of \u20b9500 per month on 5% and 4% categories&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Best Fit For: <\/strong>People who often make payments for utilities via Google Pay and use Swiggy, Zomato, or Ola. It should be noted that those who own iOS cannot make use of the 5% cashback provided by Google Pay, making this card less attractive for iPhone users.<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/kSD4CL0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3419022515\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-flipkart-axis-bank-credit-card\" style=\"font-size:18px\"><strong><a href=\"https:\/\/bitli.in\/2da80g8\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Flipkart Axis Bank Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/2da80g8\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/Flipkart-card-1024x683.jpg\" alt=\"Flipkart Axis Bank Credit Card\" class=\"wp-image-8093\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/Flipkart-card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/Flipkart-card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/Flipkart-card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<p>The Flipkart Axis Bank Credit Card is intended for consumers who make many purchases on Flipkart, Myntra, and other associated websites.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Charge: <\/strong>\u20b9500&nbsp;<\/li>\n\n\n\n<li><strong>Monthly Charge:<\/strong> \u20b9500 (no fee for yearly spending of \u20b93.5 lakhs)<\/li>\n\n\n\n<li><strong>Interest Rate:<\/strong> 3.75% monthly interest rate<\/li>\n\n\n\n<li><strong>Cashback Rewards System:<\/strong>\n<ul class=\"wp-block-list\">\n<li>7.5% cashback on Myntra (cap of \u20b94,000 per quarter)<\/li>\n\n\n\n<li>5% cashback on Flipkart and Cleartrip (cap of \u20b94,000 per quarter per retailer)<\/li>\n\n\n\n<li>4% uncapped cashback on favored merchants (Swiggy, Uber, PVR, Cult.fit)<\/li>\n\n\n\n<li>1% uncapped cashback on other qualified merchants<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Best Suited For:<\/strong> Those who frequently shop on both Flipkart and Myntra and also order from Swiggy. The card suits individuals who make large purchases during sales and are able to clear the \u20b93.5 lakh spending requirement to waive off fees.<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/2da80g8\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1673534244\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-swiggy-ornge-hdfc-bank-credit-card\" style=\"font-size:18px\"><strong><a href=\"https:\/\/bitli.in\/9hGWaeK\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Swiggy Ornge HDFC Bank Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/9hGWaeK\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-1024x683.jpg\" alt=\"Swiggy HDFC Credit Card\" class=\"wp-image-1960\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<p>This card, HDFC Swiggy Orange Credit Card (alternatively called Swiggy Ornge), has been designed specifically for individuals who love ordering food delivery services online.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b9500<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b9500 (waived on annual spends of \u20b91.5 lakh)<\/li>\n\n\n\n<li><strong>Interest Rate: <\/strong>3.75%&nbsp;<\/li>\n\n\n\n<li><strong>Cashback Structure:<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on transactions through the Swiggy app (Food delivery, Instamart, and Dineout) above \u20b9249, up to \u20b91,500 monthly limit<\/li>\n\n\n\n<li>5% cashback on selected online transactions (clothing, gadgets, beauty products, travel sites, and entertainment channels including Amazon, Flipkart, Myntra, and Netflix), up to \u20b91,500 monthly limit<\/li>\n\n\n\n<li>1% cashback on other transactions exceeding \u20b9100 monthly limit of \u20b91,000<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Best Suited For: <\/strong>People who make heavy use of Swiggy for ordering food as well as online shopping. The easy-to-achieve waiver of \u20b91.5 lakhs per annum makes it attractive for average spenders. Best for people who could leverage the Swiggy One membership benefits.<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/9hGWaeK\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/amex-platinum-reserve-vs-axis-horizon-which-premium-card-gives-you-better-travel-rewards\/\" target=\"_blank\" rel=\"noreferrer noopener\">Amex Platinum Reserve vs Axis Horizon: Which Premium Card Gives You Better Travel Rewards?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hsbc-rupay-cashback-credit-card\" style=\"font-size:18px\"><strong>HSBC RuPay Cashback Credit Card<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-RuPay-Cashback-Credit-Card-1024x683.jpg\" alt=\"HSBC RuPay Cashback Credit Card\" class=\"wp-image-6828\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-RuPay-Cashback-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-RuPay-Cashback-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-RuPay-Cashback-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<p>The HSBC RuPay Cashback Credit Card is unique among low-cost credit cards in that it provides airport lounge access for both domestic and international lounges.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Charge<\/strong>: \u20b9499<\/li>\n\n\n\n<li><strong>Yearly Charge: <\/strong>\u20b9499 (waived in case of annual spends above \u20b92 lakhs)<\/li>\n\n\n\n<li><strong>Interest:<\/strong> 3.75% per month<\/li>\n\n\n\n<li><strong>Cashback Structure:<\/strong>\n<ul class=\"wp-block-list\">\n<li>10% cashback on dining, food delivery, and grocery spends<\/li>\n\n\n\n<li>1% cashback on all other eligible spends, including UPI transactions<\/li>\n\n\n\n<li>Combined monthly cap of \u20b9400 for all categories<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Best Suited For: <\/strong>People using UPI for spending and wanting to get cashback from their digital transactions, along with lounge access for international flights. The fact that it offers international airport lounge access makes it unique considering it comes with a yearly charge of \u20b9499.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-kiwi-credit-card\" style=\"font-size:18px\"><strong><a href=\"https:\/\/bitli.in\/g56m4zI\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Kiwi Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/g56m4zI\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-1024x683.jpg\" alt=\"Kiwi RuPay Credit Card\" class=\"wp-image-1858\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<p>Kiwi Credit Card is an entirely virtual RuPay credit card that is offered for life-time free with the help of collaboration between the issuer banks like Yes Bank, AU Small Finance Bank, and PNB.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Charges:<\/strong> \u20b90 (Life-time free)<\/li>\n\n\n\n<li><strong>Annual Charges:<\/strong> \u20b90 (Life-time free)<\/li>\n\n\n\n<li><strong>Interest Charges:<\/strong> Depending upon the issuing bank (~3.5-3.75% per month)<\/li>\n\n\n\n<li><strong>Cashback Structure (Base Card):<\/strong>\n<ul class=\"wp-block-list\">\n<li>1.5% cashback for Scan and pay UPI transaction through Kiwi application<\/li>\n\n\n\n<li>0.5% cashback for online\/offline spends&nbsp;<\/li>\n\n\n\n<li>Cashback credited in form of &#8220;Kiwis&#8221; (4 Kiwis= \u20b91)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Best Suited For:<\/strong> Frequent users of the UPI system who conduct multiple low-value transactions at nearby stores and vendors who do not accept normal credit card payments. Ideal for first-time users of the credit card service who desire a zero-cost alternative.<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/g56m4zI\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparison-table\" style=\"font-size:22px\"><strong>Comparison Table<\/strong><\/h2>\n\n\n<div id=\"footable_parent_8125\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"8125\" data-filter-delay=\"1000\" aria-label=\"Mutual Fund - Sheet1 (1).csv\"            id=\"footable_8125\"\n           data-unique_identifier=\"ninja_table_unique_id_2788342475_8125\"\n           class=\" foo-table ninja_footable foo_table_8125 ninja_table_unique_id_2788342475_8125 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                            <col class=\"ninja_column_4 \">\n                            <col class=\"ninja_column_5 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Before choosing, compare annual fees, cashback caps, and your actual spending patterns across categories. Calculate which card delivers maximum returns based on where you spend the most. The right card aligns with your lifestyle and maximizes savings on everyday expenses.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Shrikara<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Nowadays, while most premium credit cards offer decent benefits across various categories, they usually charge a very high annual fee. However, there are several low annual fee credit cards available in the market that offer excellent benefits through rewards, cashback, and discounts, all with an annual fee that is within \u20b9500.&nbsp; When used responsibly, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":5524,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Synopsis: <\/strong><em>Nowadays, while most premium credit cards offer decent benefits across various categories, they usually charge a very high annual fee. However, there are several low annual fee credit cards available in the market that offer excellent benefits through rewards, cashback, and discounts, all with an annual fee that is within \u20b9500.\u00a0<\/em><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:paragraph -->\n<p>When used responsibly, credit cards can turn out to be a useful tool that allows you to spend less on everyday things. People often think that only high-end or costly credit cards can provide huge perks. However, that's not necessarily the case.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A credit card that charges annual fees below \u20b9500 may give good rewards in terms of cashback for purchases made on a regular basis, such as grocery items, food delivery services, fuel costs, shopping, UPI payments, and electricity bills. Such affordable cards can yield substantial benefits without draining your pockets.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-best-cashback-credit-cards-under-500-annual-fee\" style=\"font-size:22px\"><strong>Best Cashback Credit Cards Under \u20b9500 Annual Fee<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-axis-bank-ace-credit-card\" style=\"font-size:18px\"><strong>Axis Bank ACE Credit Card<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":3295,\"width\":\"450px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/Axis-Bank-ACE-Credit-Card-1-1024x683.jpg\" alt=\"Axis ACE Credit Card\" class=\"wp-image-3295\" style=\"width:450px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:paragraph -->\n<p>The Axis Bank ACE Credit Card has become one of the most sought-after entry-level cashback cards in India, especially amongst young professionals and Google Pay users.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Membership Fee: <\/strong>\u20b9499<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Annual Fee: <\/strong>\u20b9499 (no fee for spends above \u20b92 lakhs annually)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Interest Rate:<\/strong> 3.75% monthly interest rate<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Cashback Scheme:<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>5% cashback when paying bills &amp; making mobile\/DTH payments through Google Pay<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>4% cashback on Swiggy, Zomato, and Ola spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1.5% cashback on all other spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Combined cap of \u20b9500 per month on 5% and 4% categories\u00a0<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Best Fit For: <\/strong>People who often make payments for utilities via Google Pay and use Swiggy, Zomato, or Ola. It should be noted that those who own iOS cannot make use of the 5% cashback provided by Google Pay, making this card less attractive for iPhone users.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>To apply for the card, please visit the Official Website<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-flipkart-axis-bank-credit-card\" style=\"font-size:18px\"><strong>Flipkart Axis Bank Credit Card<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":8093,\"width\":\"450px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/Flipkart-card-1024x683.jpg\" alt=\"Flipkart Axis Bank Credit Card\" class=\"wp-image-8093\" style=\"width:450px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:paragraph -->\n<p>The Flipkart Axis Bank Credit Card is intended for consumers who make many purchases on Flipkart, Myntra, and other associated websites.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Annual Charge: <\/strong>\u20b9500\u00a0<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Monthly Charge:<\/strong> \u20b9500 (no fee for yearly spending of \u20b93.5 lakhs)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Interest Rate:<\/strong> 3.75% monthly interest rate<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Cashback Rewards System:<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>7.5% cashback on Myntra (cap of \u20b94,000 per quarter)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>5% cashback on Flipkart and Cleartrip (cap of \u20b94,000 per quarter per retailer)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>4% uncapped cashback on favored merchants (Swiggy, Uber, PVR, Cult.fit)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% uncapped cashback on other qualified merchants<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Best Suited For:<\/strong> Those who frequently shop on both Flipkart and Myntra and also order from Swiggy. The card suits individuals who make large purchases during sales and are able to clear the \u20b93.5 lakh spending requirement to waive off fees.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>To apply for the card, please visit the Official Website<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-swiggy-ornge-hdfc-bank-credit-card\" style=\"font-size:18px\"><strong>Swiggy Ornge HDFC Bank Credit Card<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":1960,\"width\":\"450px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-Swiggy-Credit-Card-1024x683.jpg\" alt=\"Swiggy HDFC Credit Card\" class=\"wp-image-1960\" style=\"width:450px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:paragraph -->\n<p>This card, HDFC Swiggy Orange Credit Card (alternatively called Swiggy Ornge), has been designed specifically for individuals who love ordering food delivery services online.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Fee:<\/strong> \u20b9500<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Annual Fee:<\/strong> \u20b9500 (waived on annual spends of \u20b91.5 lakh)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Interest Rate: <\/strong>3.75%\u00a0<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Cashback Structure:<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>5% cashback on transactions through the Swiggy app (Food delivery, Instamart, and Dineout) above \u20b9249, up to \u20b91,500 monthly limit<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>5% cashback on selected online transactions (clothing, gadgets, beauty products, travel sites, and entertainment channels including Amazon, Flipkart, Myntra, and Netflix), up to \u20b91,500 monthly limit<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashback on other transactions exceeding \u20b9100 monthly limit of \u20b91,000<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Best Suited For: <\/strong>People who make heavy use of Swiggy for ordering food as well as online shopping. The easy-to-achieve waiver of \u20b91.5 lakhs per annum makes it attractive for average spenders. Best for people who could leverage the Swiggy One membership benefits.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>To apply for the card, please visit the Official Website<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-hsbc-rupay-cashback-credit-card\" style=\"font-size:18px\"><strong>HSBC RuPay Cashback Credit Card<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6828,\"width\":\"450px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HSBC-RuPay-Cashback-Credit-Card-1024x683.jpg\" alt=\"HSBC RuPay Cashback Credit Card\" class=\"wp-image-6828\" style=\"width:450px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:paragraph -->\n<p>The HSBC RuPay Cashback Credit Card is unique among low-cost credit cards in that it provides airport lounge access for both domestic and international lounges.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Charge<\/strong>: \u20b9499<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Yearly Charge: <\/strong>\u20b9499 (waived in case of annual spends above \u20b92 lakhs)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Interest:<\/strong> 3.75% per month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Cashback Structure:<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>10% cashback on dining, food delivery, and grocery spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashback on all other eligible spends, including UPI transactions<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Combined monthly cap of \u20b9400 for all categories<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Best Suited For: <\/strong>People using UPI for spending and wanting to get cashback from their digital transactions, along with lounge access for international flights. The fact that it offers international airport lounge access makes it unique considering it comes with a yearly charge of \u20b9499.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-kiwi-credit-card\" style=\"font-size:18px\"><strong>Kiwi Credit Card<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":1858,\"width\":\"450px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-1024x683.jpg\" alt=\"Kiwi RuPay Credit Card\" class=\"wp-image-1858\" style=\"width:450px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:paragraph -->\n<p>Kiwi Credit Card is an entirely virtual RuPay credit card that is offered for life-time free with the help of collaboration between the issuer banks like Yes Bank, AU Small Finance Bank, and PNB.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Charges:<\/strong> \u20b90 (Life-time free)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Annual Charges:<\/strong> \u20b90 (Life-time free)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Interest Charges:<\/strong> Depending upon the issuing bank (~3.5-3.75% per month)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Cashback Structure (Base Card):<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>1.5% cashback for Scan and pay UPI transaction through Kiwi application<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>0.5% cashback for online\/offline spends\u00a0<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Cashback credited in form of \"Kiwis\" (4 Kiwis= \u20b91)<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Best Suited For:<\/strong> Frequent users of the UPI system who conduct multiple low-value transactions at nearby stores and vendors who do not accept normal credit card payments. Ideal for first-time users of the credit card service who desire a zero-cost alternative.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>To apply for the card, please visit the Official Website<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-comparison-table\" style=\"font-size:22px\"><strong>Comparison Table<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:table -->\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><em>Feature<\/em><\/strong><\/td><td><strong><em>Axis ACE<\/em><\/strong><\/td><td><strong><em>Flipkart Axis<\/em><\/strong><\/td><td><strong><em>HDFC Swiggy Orange<\/em><\/strong><\/td><td><strong><em>HSBC RuPay Cashback<\/em><\/strong><\/td><td><strong><em>Kiwi Card<\/em><\/strong><\/td><\/tr><tr><td>Joining Fee<\/td><td>\u20b9499<\/td><td>\u20b9500<\/td><td>\u20b9500<\/td><td>\u20b9499<\/td><td>\u20b90<\/td><\/tr><tr><td>Annual Fee<\/td><td>\u20b9499<\/td><td>\u20b9500<\/td><td>\u20b9500<\/td><td>\u20b9499<\/td><td>\u20b90<\/td><\/tr><tr><td>Best Categories<\/td><td>Bills via GPay, Swiggy, Zomato, Ola<\/td><td>Flipkart, Myntra, Cleartrip<\/td><td>Swiggy, Online shopping<\/td><td>Dining, Food delivery, Grocery<\/td><td>UPI payments<\/td><\/tr><tr><td>Welcome Benefits<\/td><td>Amazon voucher \u20b9250<\/td><td>Flipkart voucher \u20b9250, Swiggy discount<\/td><td>12-month Swiggy One<\/td><td>\u20b9500 cashback, \u20b9250 Amazon voucher<\/td><td>\u20b9100 cashback<\/td><\/tr><tr><td>UPI Support<\/td><td>Yes (but 5% only via GPay)<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes (1% cashback)<\/td><td>Yes&nbsp;<\/td><\/tr><tr><td>Lounge Access<\/td><td>4 domestic\/year<\/td><td>None<\/td><td>None<\/td><td>2 domestic\/quarter + 2 international\/year<\/td><td>3\/year<\/td><\/tr><tr><td>Additional Benefits<\/td><td>15% dining discount at 4,000+ restaurants; 1% fuel waiver (\u20b9500 cap)<\/td><td>15% dining discount at 10,000+ restaurants; 1% fuel waiver (\u20b9400 cap)<\/td><td>10% birthday discount on Dineout; 12 free golf lessons; 4 green fees\/year<\/td><td>Zero forex markup (till June 2026); \u20b96,000 Cleartrip discount; 5% Paytm bill discount<\/td><td>Instant digital card; Link to all UPI apps; \u20b95L credit limit; Fuel waiver<\/td><\/tr><tr><td>Best For<\/td><td>GPay bill payers, Swiggy\/Zomato users<\/td><td>Flipkart\/Myntra shoppers<\/td><td>Swiggy + online shoppers<\/td><td>UPI users, travelers<\/td><td>Heavy UPI users<\/td><\/tr><\/tbody><\/table><\/figure>\n<!-- \/wp:table -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The \"best\" cashback credit card depends entirely on your spending habits and financial goals. In case you make payments using Google Pay and place orders using Swiggy or Zomato, you will enjoy the highest returns using the Axis ACE card. If you shop with Flipkart regularly, it is wise to go with the Flipkart Axis Bank Credit Card, while Swiggy lovers can pick up the HDFC Swiggy Orange Card. Travel enthusiasts who tend to use the UPI service may want to give HSBC RuPay Cashback a shot for its unique features at an affordable cost. The Kiwi Card is perfect for those wanting a completely free option with solid UPI rewards.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Before choosing, compare annual fees, cashback caps, and your actual spending patterns across categories. Calculate which card delivers maximum returns based on where you spend the most. The right card aligns with your lifestyle and maximizes savings on everyday expenses.<\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[],"ppma_author":[1013],"class_list":["post-8123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 Cashback Credit Cards Under \u20b9500 Annual Fee: Axis Ace, Kiwi &amp; More<\/title>\n<meta name=\"description\" content=\"Nowadays, while most premium credit cards offer decent benefits across various categories, they usually charge a very high annual fee. 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