Using the right credit card can help you save money on everyday purchases. Cashback credit cards are especially popular in India because they reward you with a percentage of your spending as direct money back. Whether you’re paying bills, shopping online, or dining out, cashback credit cards offer value with every swipe.
In this post, we’ll explore the top 10 cashback credit cards in India for 2025, what makes them worth considering, and how you can apply smartly.
Why Cashback Credit Cards are Trending in 2025
With inflation rising and digital payments becoming the norm, more Indians are looking for smart ways to save. Cashback credit cards provide real, tangible savings on routine spending, unlike reward points which often come with complicated redemption processes.
Here’s why they’re gaining popularity:
- Direct savings on essentials like groceries, fuel, and online shopping.
- Simplified rewards with automatic cashback credit to statements.
- Tie-ups with apps like Swiggy, Zomato, Amazon, Flipkart offering boosted cashback.
Key Factors to Consider Before Choosing a Cashback Card
Before you pick a card, consider these points:
| Factor | What to Check |
|---|---|
| Annual Fees | Free cards or low-fee cards preferred. |
| Cashback Rate | Percentage of cashback (e.g. 1%-5%). |
| Limits | Monthly/quarterly cashback caps. |
| Redemption | Auto credit or manual redemption. |
| Spending Categories | Where cashback applies – online, fuel, groceries, etc. |
| Eligibility | Minimum income or credit score needed. |
Top 10 Best Cashback Credit Cards in India (2025)
Here’s a quick comparison of the top cards:
| Credit Card | Cashback Rate | Annual Fee | Best For |
|---|---|---|---|
| Amazon Pay ICICI Credit Card | 1%-5% | ₹0 | Amazon shopping |
| Axis Bank Ace Credit Card | 2%-5% | ₹499 (waived) | Utility bills, food apps |
| HDFC Millennia Credit Card | 1%-5% | ₹1,000 | Online shopping |
| Flipkart Axis Bank Card | 1.5%-5% | ₹500 | Flipkart, travel, dining |
| SBI Cashback Credit Card | 1%-5% | ₹999 | Online spend |
| ICICI Coral Credit Card | Up to 2% | ₹500 | Groceries, offline spend |
| Standard Chartered Smart Card | 2%-5% | ₹499 | Food delivery, travel |
| HSBC Cashback Card | 1.5%-10% (intro) | ₹0 (first year) | Fuel, online shopping |
| Paytm SBI Credit Card | 1%-3% + Paytm perks | ₹0-₹500 | Paytm ecosystem |
| IDFC FIRST Classic Card | 1%-2.5% | ₹0 | All-round usage |
Detailed Review of Each Card
1. Amazon Pay ICICI Credit Card
- Cashback: 5% on Amazon (Prime members), 3% (non-Prime), 1% on others.
- Fee: Lifetime free.
- Why choose: Best for frequent Amazon shoppers.
2. Axis Bank Ace Credit Card
- Cashback: 5% on bill payments via Google Pay, 4% on food delivery, 2% elsewhere.
- Fee: ₹499 (waived on ₹2L annual spend).
- Why choose: High cashback on utility bills and dining.
3. HDFC Millennia Credit Card
- Cashback: 5% on Amazon, Flipkart, Myntra, 1% on others.
- Fee: ₹1,000 (waived on ₹1L annual spend).
- Why choose: Great for young professionals.
4. Flipkart Axis Bank Credit Card
- Cashback: 5% on Flipkart, 4% on Swiggy, 1.5% elsewhere.
- Fee: ₹500.
- Why choose: Flipkart lovers and frequent diners.
5. SBI Cashback Credit Card
- Cashback: 5% on online spends, 1% offline.
- Fee: ₹999.
- Why choose: Straightforward cashback without brand restrictions.
6. ICICI Coral Credit Card
- Cashback: Points-based (convertible to cashback), up to 2%.
- Fee: ₹500.
- Why choose: Offline shoppers and movie lovers (comes with BookMyShow offers).
7. Standard Chartered Smart Credit Card
- Cashback: 2% on all online spends, 1% elsewhere.
- Fee: ₹499.
- Why choose: Simple structure, works well for moderate spenders.
8. HSBC Cashback Credit Card
- Cashback: 10% on intro offers (first 90 days), then 1.5%.
- Fee: Free for first year.
- Why choose: Good for fuel and lifestyle expenses.
9. Paytm SBI Credit Card
- Cashback: 3% on Paytm Mall, 2% on Paytm services, 1% on others.
- Fee: ₹500 (sometimes waived).
- Why choose: Heavy Paytm users.
10. IDFC FIRST Classic Credit Card
- Cashback: Up to 2.5% (reward points convertible).
- Fee: Lifetime free.
- Why choose: Ideal for beginners and all-round usage.
Frequently Asked Questions (FAQs)
Q. Do I need a high income to get a cashback credit card?
No. Many cards like Amazon Pay ICICI and IDFC FIRST Classic are beginner-friendly.
Q. Are cashback and reward points the same?
No. Cashback gives direct money back. Reward points need to be converted or redeemed.
Q. What is the best card with no annual fee?
Amazon Pay ICICI and IDFC FIRST cards are great lifetime free options.
Q. Can I have more than one cashback credit card?
Yes, many people use different cards for different spends.
Conclusion
Cashback credit cards in India have become a smart way to save money on daily spending. The right card depends on your lifestyle – whether you shop online, dine out, or pay a lot of bills. Choose a card that gives maximum returns on your most common purchases.
By comparing fees, cashback rates, and eligibility, you can pick a card that not only suits your needs but also helps you save more throughout the year.
