Cashback credit cards are one of the best ways to save money on everyday expenses. Whether you shop online, dine out, or book travel, the right cashback card can help you earn rewards and reduce expenses. In 2025, several Indian banks offer fantastic cashback credit cards with high returns and extra perks. Here’s a list of the best cashback credit cards in India to help you maximize savings.
1. HDFC Millennia Credit Card – Best for Online Shopping
Why Choose It?
- Up to 5% cashback on Amazon, Flipkart, and other online platforms.
- 1% cashback on all offline spends.
- Annual fee waiver on spending ₹1 lakh per year.
Best Perks:
✅ 5% cashback on select online merchants.
✅ 1% fuel surcharge waiver.
✅ Contactless payment support.
🔗 Website: www.hdfcbank.com
2. Amazon Pay ICICI Credit Card – Best for Amazon Shoppers
Why Choose It?
- Up to 5% cashback for Amazon Prime members.
- No annual or joining fee.
- Cashback is auto-credited as an Amazon Pay balance.
Best Perks:
✅ Lifetime free credit card.
✅ 2% cashback on partner merchants.
✅ 1% cashback on all other transactions.
🔗 Website: www.icicibank.com
3. Axis Bank ACE Credit Card – Best for Utility & Bill Payments
Why Choose It?
- 5% cashback on electricity, water, and gas bills via Google Pay.
- 4% cashback on Swiggy, Zomato, and Ola.
- Low annual fee of ₹499 (waived on ₹2 lakh annual spend).
Best Perks:
✅ High cashback on utility bill payments.
✅ Unlimited 1.5% cashback on all other purchases.
✅ Free lounge access at domestic airports.
🔗 Website: www.axisbank.com
4. Flipkart Axis Bank Credit Card – Best for Flipkart Shopping
Why Choose It?
- 5% unlimited cashback on Flipkart purchases.
- 4% cashback on Myntra, Uber, PVR, and Cult.fit
- Annual fee of ₹500, waived on spending ₹2 lakh per year.
Best Perks:
✅ 1.5% cashback on all other transactions.
✅ Complimentary lounge access at airports.
✅ Fuel surcharge waiver.
🔗 Website: www.axisbank.com
5. SBI Cashback Credit Card – Best for Online Transactions
Why Choose It?
- 5% cashback on all online transactions.
- 1% cashback on offline spends.
- No merchant restrictions for cashback eligibility.
Best Perks:
✅ No redemption process – cashback is auto-credited.
✅ Contactless payment feature.
✅ Low annual fee of ₹999.
🔗 Website: www.sbicard.com
6. Standard Chartered Smart Credit Card – Best for Daily Expenses
Why Choose It?
- 2% cashback on grocery and utility payments.
- 1% cashback on all other spends.
- No minimum spending requirement.
Best Perks:
✅ Low annual fee of ₹499.
✅ Fuel surcharge waiver of 1%.
✅ Attractive merchant discounts.
🔗 Website: www.sc.com/in
7. HSBC Cashback Credit Card – Best for Dining & Entertainment
Why Choose It?
- 10% cashback on dining, food delivery, and movie tickets.
- 1.5% cashback on all other transactions.
- No annual fee for the first year.
Best Perks:
✅ 3 complimentary domestic airport lounge visits per year.
✅ Fuel surcharge waiver of 1%.
✅ Interest-free period of up to 50 days.
🔗 Website: www.hsbc.co.in
How to Choose the Best Cashback Credit Card?
Before selecting a cashback credit card, consider these factors:
✅ Cashback Categories – Choose a card based on where you spend the most (shopping, travel, dining, utilities).
✅ Annual Fees & Charges – Opt for a card where the cashback outweighs the fees.
✅ Redemption Process – Some cards auto-credit cashback, while others require manual redemption.
✅ Minimum Spending Conditions – Check if there are limits or eligibility conditions for earning cashback.
✅ Additional Perks – Look for extra benefits like lounge access, travel insurance, or dining discounts.
Final Thoughts
Cashback credit cards are a great way to earn while you spend. The best card for you depends on your spending habits, preferred shopping platforms, and lifestyle needs. Whether you shop online, pay utility bills, or dine out frequently, there’s a cashback credit card to match your spending style in 2025. Compare and choose wisely to maximize your savings!
Which cashback credit card do you use? Share your experience in the comments below!
