Do you want to save money every time you spend using your credit card? If yes, then cashback credit cards are just what you need. In 2025, many Indian banks and credit card issuers are offering credit cards that give you money back on every purchase. This means you can enjoy shopping, dining, paying bills, and more while getting a part of your spending returned to your account. Sounds amazing, right?
This article is your complete guide to understanding cashback credit cards in India. We will explain what cashback credit cards are, how they work, how to choose the best one for your lifestyle, and which cards are currently the most rewarding. Whether you’re shopping online or paying utility bills, we’ll help you pick the right card that saves you the most money. Keep reading to find out the best cashback credit cards in India and start saving with every spend.
Image credit – Cardinsider
💳 What is a Cashback Credit Card?
A cashback credit card is a type of credit card that rewards you with real cash or equivalent value when you use it for purchases. Instead of earning points or miles, you get direct savings credited back to your account.
Benefits of cashback credit cards include:
- Cashback is usually auto-credited to your account.
- You can use the cashback to reduce your credit card bill.
- No complicated redemption process.
- Saves money on every transaction.
- Many cards also offer bonus cashback in certain categories like groceries, online shopping, or bill payments.
🏆 List of the Best Cashback Credit Cards in India (2025)
Here is a detailed list of the top cashback credit cards available in India in 2025. Each card suits a different lifestyle, so choose one based on your spending habits.
1. Amazon Pay ICICI Bank Credit Card
Best For: Online shopping, especially on Amazon
Joining Fee: ₹0 (Lifetime Free)
Annual Fee: ₹0
Features:
- 5% cashback for Amazon Prime members
- 3% cashback for non-Prime members
- 2% cashback on Amazon Pay partner merchants
- 1% cashback on all other spends
- Cashback is auto-credited monthly
Why Choose: If you shop regularly on Amazon, this card offers unmatched value with zero fees.
2. Flipkart Axis Bank Credit Card
Best For: Flipkart shoppers and lifestyle spends
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Features:
- 5% cashback on Flipkart & Myntra
- 4% cashback on Swiggy, PVR, and Uber
- 1.5% cashback on all other spends
- 4 free domestic lounge visits/year
Why Choose: Best suited for frequent online shoppers looking for consistent cashback across major brands.
3. Cashback SBI Credit Card
Best For: General online shopping
Joining Fee: ₹999 + GST
Annual Fee: ₹999 + GST
Features:
- 5% cashback on online spends (up to ₹5,000 per cycle)
- 1% cashback on other spends
- No merchant restrictions
- Cashback credited automatically
Why Choose: Ideal for those who prefer flexibility in shopping platforms.
4. Swiggy HDFC Bank Credit Card
Best For: Food lovers and regular Swiggy users
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Features:
- 10% cashback on Swiggy food orders, Instamart & Dineout
- 5% cashback on partner brands like Amazon, Flipkart
- 1% cashback on all other spends
- Complimentary Swiggy One membership
Why Choose: Perfect for people who order food online or eat out frequently.
5. HDFC Bank Millennia Credit Card
Best For: Online shopping on Amazon, Flipkart, and more
Joining Fee: ₹1,000 + GST
Annual Fee: ₹1,000 + GST (waived on annual spend of ₹1L)
Features:
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato
- 1% cashback on all other spends
- Cashback is in the form of CashPoints
- Milestone benefits of ₹1,000 gift voucher quarterly
Why Choose: Offers benefits for both frequent shoppers and regular spenders.
6. Axis Bank ACE Credit Card
Best For: Utility bill payments through Google Pay
Joining Fee: Nil (limited-time offer)
Annual Fee: ₹499 + GST
Features:
- 5% cashback on bill payments via Google Pay
- 4% cashback on Swiggy, Ola, Zomato
- 1.5% cashback on all other spends
- Lounge access to domestic airports
Why Choose: Especially useful for those who use Google Pay to manage their expenses.
7. Airtel Axis Bank Credit Card
Best For: Airtel services, utility bills, and groceries
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Features:
- 25% cashback on Airtel services
- 10% cashback on utility bills, Zomato, Swiggy
- Free airport lounge access
- Amazon voucher as a welcome gift
Why Choose: Excellent choice for Airtel customers and home utility payers.
8. HSBC Live+ Credit Card
Best For: Grocery, food, and restaurant spends
Joining Fee: ₹999 + GST
Annual Fee: ₹999 + GST
Features:
- 10% cashback on groceries, dining, and food delivery
- 1.5% cashback on other spends
- ₹1,000 welcome cashback on ₹20,000 spend in 30 days
- BOGO on movie tickets
Why Choose: Suitable for families or individuals who spend more on essentials and eating out.
🎯 How to Choose the Right Cashback Credit Card
Choosing the best cashback credit card depends on your lifestyle. Here’s how you can select the perfect one:
- Step 1: Understand Your Spending Habits
Do you shop online or offline more? Do you spend more on food, travel, or groceries? - Step 2: Compare Cashback Rates
Look for cards that give higher cashback in the categories you use most. - Step 3: Check Fees and Limits
Consider cards with no or low annual fees and check the monthly cashback cap. - Step 4: Review Extra Benefits
Lounge access, welcome gifts, and milestone offers add more value.
🛠 How to Apply for Cashback Credit Cards Online
Applying is easy. Here’s how you can do it online:
- Visit the official website of the credit card issuer.
- Choose your preferred card and click “Apply Now.”
- Fill in your personal, income, and address details.
- Upload the required documents (ID proof, income proof, PAN card).
- Submit your application and wait for verification.
Offline applications can be done by visiting a nearby branch of the respective bank.
📊 Cashback vs. Rewards Credit Cards
| Feature | Cashback Credit Card | Rewards Credit Card |
|---|---|---|
| Return Type | Direct cashback | Reward points |
| Redemption | Auto-credit to bill or account | Requires manual redemption |
| Expiry | Usually no expiry | Points may expire |
| Use of Earnings | Pay bills or spend anywhere | Limited to catalog/partners |
| Ideal For | Simple savings | Frequent travelers, brand loyalists |
✅ Benefits of Cashback Credit Cards
Before you apply, here are the major advantages:
- Simple to use and understand
- Saves real money on daily expenses
- Auto-credit of cashback
- Great for online shoppers, diners, and bill payers
- Some cards are free for life
🙋♂️ FAQs – Best Cashback Credit Cards in India
Q1. Which is the best cashback credit card in India?
The Amazon Pay ICICI Bank Credit Card is one of the best as it is free for life and offers up to 5% cashback on Amazon.
Q2. Is cashback credited directly to the account?
Yes, most banks auto-credit the cashback to your card account or adjust it against your bill.
Q3. Are cashback credit cards better than rewards cards?
If you want simple savings without a redemption process, cashback cards are better. Rewards cards suit users who want to collect points and redeem for gifts or travel.
Q4. Can I apply for a cashback card if I’m a student or have low income?
Some cards like the Amazon Pay ICICI are suitable for individuals with limited income. Students may need a co-applicant or get secured cards.
Q5. Are there any zero-annual-fee cashback credit cards?
Yes. Amazon Pay ICICI and Axis ACE (limited offer) are lifetime-free or zero annual fee cards with strong cashback features.
📌 Conclusion
Cashback credit cards are one of the easiest ways to save while you spend. With categories like shopping, dining, bill payments, and groceries, there is a card for everyone. Just pick the one that matches your lifestyle, compare its fees and benefits, and apply online in minutes.
Make every rupee work for you—start earning cashback today!
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