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| Best Cashback Credit Cards in India for 2025 |
Best Cashback Credit Cards in India for 2025
Maximize Your Savings with These Top Reward Cards
Introduction
In 2025, cashback credit cards continue to be one of the most popular financial tools in India. Whether you shop online, pay utility bills, or dine out, the right card can help you earn money back on every spend.
This guide highlights the top cashback credit cards in India, their features, eligibility, fees, and how to pick the best one for your needs.
What Is a Cashback Credit Card?
A cashback credit card gives you a certain percentage of your spending back in the form of statement credit, reward points, or wallet balance.
Example:
Spend ₹1,000 → Get ₹50 cashback at 5% rate.
Best Cashback Credit Cards in India (2025)
| Credit Card Name | Cashback Rate | Annual Fee | Best For |
|---|---|---|---|
| HDFC Millennia Credit Card | Up to 5% | ₹1,000 (waived) | Online shopping (Amazon, Flipkart) |
| Axis Bank Ace Credit Card | Flat 2%–5% | ₹499 | Utility bills, Google Pay |
| ICICI Amazon Pay Credit Card | 1%–5% (Amazon users) | ₹0 | Amazon Prime members |
| Flipkart Axis Bank Credit Card | 1.5%–5% | ₹500 | Flipkart, Swiggy, Myntra |
| SBI Cashback Credit Card | 1%–5% | ₹999 | Online transactions |
| HSBC Cashback Credit Card | 1.5%–10% (Intro offer) | ₹750 | Global cashback, dining |
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| Best Cashback Credit Cards in India for 2025 |
In-Depth Comparison
1. HDFC Millennia Credit Card
- Cashback: 5% on Amazon, Flipkart, BookMyShow, Swiggy, etc.
- Other Cashback: 1% on offline spends
- Joining Fee: ₹1,000 (waived on ₹1L spends/year)
- Pros: Trusted card, airport lounge access
- Cons: Minimum transaction threshold applies
2. Axis Bank Ace Credit Card
- Cashback: 5% on bill payments via Google Pay, 2% elsewhere
- Annual Fee: ₹499
- Pros: Google Pay integration, high utility cashback
- Cons: Google Pay-only condition for max cashback
3. Amazon Pay ICICI Credit Card
- Cashback: 5% for Prime users, 3% for non-Prime on Amazon
- Other Cashback: 1% on other spends
- Annual Fee: ₹0 (Lifetime Free)
- Pros: No annual fee, direct cashback to Amazon Pay
- Cons: Limited benefit outside Amazon ecosystem
4. Flipkart Axis Bank Credit Card
- Cashback: 5% on Flipkart, 4% on Swiggy, Myntra, etc.
- Other Cashback: 1.5% on all spends
- Annual Fee: ₹500
- Pros: Great for frequent Flipkart shoppers
- Cons: No lounge access
5. SBI Cashback Credit Card
- Cashback: 5% on online spends, 1% offline
- Annual Fee: ₹999
- Pros: No merchant restrictions
- Cons: ₹10,000 monthly cap on cashback
Cashback Savings Example (Monthly Spend = ₹30,000)
| Category | Spend | Axis Ace (₹) | Amazon Pay ICICI (₹) | Flipkart Axis (₹) | SBI Cashback (₹) |
|---|---|---|---|---|---|
| Online Shopping | ₹10,000 | ₹500 | ₹500 (Prime) | ₹500 | ₹500 |
| Utility Bills | ₹5,000 | ₹250 | ₹50 | ₹75 | ₹250 |
| Offline Spends | ₹10,000 | ₹200 | ₹100 | ₹150 | ₹100 |
| Food/Swiggy/Myntra | ₹5,000 | ₹100 | ₹50 | ₹200 | ₹100 |
| Total Cashback | ₹1,050 | ₹700 | ₹925 | ₹950 |
How to Choose the Best Cashback Credit Card
| Factor | What to Consider |
|---|---|
| Spending Pattern | Do you shop online, dine, or pay bills more? |
| Merchant Tie-ups | Amazon, Flipkart, or general-purpose use? |
| Annual Fee | Is it justified by rewards? |
| Cashback Limitations | Is there a monthly cap or minimum spend? |
| Card Acceptance | Widely accepted (Visa/MasterCard/RuPay)? |
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Safety Tips While Using Credit Cards
- Enable SMS/email alerts for all transactions
- Never share your CVV or OTP
- Use official bank apps/websites only
- Set monthly credit limit alerts
Frequently Asked Questions (FAQs)
Q1. Are cashback credit cards better than reward point cards?
Yes, if you prefer direct savings. Cashback is straightforward, while reward points require redemptions.
Q2. Can I get a cashback card without income proof?
Some cards like Amazon Pay ICICI offer relaxed documentation. Others may require salary slips or ITR.
Q3. Do cashback cards have expiry on rewards?
Most cashback is credited as statement credit or to wallets. It usually does not expire, unlike reward points.
Q4. What is the ideal credit score for cashback cards?
A CIBIL score of 700+ is preferred for approval of most premium cashback cards.
Q5. Can I hold multiple cashback credit cards?
Yes. You can use one card for Amazon, another for Flipkart or utility bills to maximize overall cashback.
Conclusion
If you want to save on every spend, cashback credit cards are a smart choice in 2025. With the right card, you can save up to ₹10,000–₹15,000 annually depending on your usage.
Choose a card that fits your lifestyle — whether you are a frequent online shopper, foodie, or bill payer.
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