Skip to main content

Best Credit Cards for Cashback in India (2025 Guide)

Best Credit Cards for Cashback in India (2025 Guide) Cashback credit cards are among the most rewarding financial tools for savvy spenders. They allow you to earn a percentage of your spending back as cash rewards, effectively reducing your expenses. With numerous options available in India, choosing the best cashback credit card can be overwhelming.   In this detailed guide, we’ll explore:   ✅ Top 10 Cashback Credit Cards in        India  ✅ How Cashback Credit Cards Work  ✅ Key Factors to Consider When Choosing a Card  ✅ Comparison of Cashback Rates & Fees   ✅ Tips to Maximize Cashback Rewards   By the end, you’ll know exactly which cashback credit card suits your spending habits.  

Best Credit Cards for Cashback in India (2025 Guide)

Best Credit Cards for Cashback in India (2025 Guide)

Cashback credit cards are among the most rewarding financial tools for savvy spenders. They allow you to earn a percentage of your spending back as cash rewards, effectively reducing your expenses. With numerous options available in India, choosing the best cashback credit card can be overwhelming.  

In this detailed guide, we’ll explore:  

✅ Top 10 Cashback Credit Cards in        India 
✅ How Cashback Credit Cards Work 
✅ Key Factors to Consider When Choosing a Card 
✅ Comparison of Cashback Rates & Fees  
✅ Tips to Maximize Cashback Rewards  

By the end, you’ll know exactly which cashback credit card suits your spending habits.  

1. How Do Cashback Credit Cards Work?

Cashback credit cards reward users with a percentage of their spending back as cash. The cashback can be:  

Flat-rate cashback (e.g., 1.5% on all spends)  

Category-specific cashback (e.g., 5% on groceries, 2% on dining)  

Rotating cashback (quarterly changing categories)  

The earned cashback is either:  

Credited to the card statement (reducing your bill)  

Redeemed as gift vouchers or bank transfers  

2. Key Factors to Consider When Choosing a Cashback Credit Card  

Before applying, evaluate these factors:  

A. Cashback Percentage & Categories 

Flat-rate cards (good for general spending)  

Category-specific cards (better if you spend heavily in certain areas like fuel, groceries, or online shopping)  

B. Annual Fees & Waiver Conditions 

• Some cards have lifetime free offers  

• Others waive fees on spending a minimum amount annually  

C. Cashback Capping & Exclusions  

• Many cards have monthly/quarterly cashback limits 

• Some exclude wallet reloads, rent payments, and EMIs  

D. Additional Benefits 

Welcome bonuses 

• Airport lounge access 

• Fuel surcharge waivers 

• Discounts on dining & entertainment  

E. Eligibility & Credit Score Requirements  

• Most premium cashback cards require a good credit score (750+) 

• Salaried vs. self-employed eligibility criteria differ  

3. Top 10 Best Cashback Credit Cards in India (2025) 

Here’s a detailed comparison of the best cashback credit cards in India:  

Money Savings Best Credit Cards

1. SBI Cashback Credit Card  

✅ Best for Online Shopping  

Cashback: 5% on online spends (Amazon, Flipkart, Zomato, etc.), 1% on offline & other spends  

Annual Fee: ₹999 (waived if annual spending > ₹2 Lakh)  

• Cashback Cap: ₹5,000/month  

Other Benefits: No minimum cashback redemption, instant discounts on e-commerce  

πŸ’‘ Best for: Frequent online shoppers  

2. HDFC Millennia Credit Card

✅ Best for Multi-Category Cashback  

Cashback: 5% on Amazon, Flipkart, Uber, Zomato; 1% on other spends  

Annual Fee: ₹1,000 (waived if annual spending > ₹1 Lakh)  

•Cashback Cap: ₹1,000/month per category  

Other Benefits: Movie discounts, fuel surcharge waiver  

πŸ’‘ Best for: Millennials with diverse spending

3. Axis Bank Ace Credit Card 

✅ Best for Google Pay & Utility Bills 

Cashback: 5% on Google Pay spends, 4% on bill payments (electricity, gas, etc.), 2% on other spends  

Annual Fee: ₹499 (sometimes free for first year)  

Cashback Cap: ₹500/month on Google Pay  

Other Benefits: No joining fee in some offers  

πŸ’‘ Best for: UPI & utility bill payments  

4. ICICI Amazon Pay Credit Card

✅ Best for Amazon Shoppers

Cashback: 5% on Amazon, 2% on other online spends, 1% on offline  

Annual Fee: Lifetime Free 

Cashback Cap: No limit  

Other Benefits: No minimum redemption, Amazon Prime discounts  

πŸ’‘ Best for: Regular Amazon customers  

5. American Express SmartEarn Credit Card  

✅ Best for Fuel & Groceries

Cashback: 5% on fuel, 2% on groceries/dining, 1% on other spends  

Annual Fee: ₹495 (waived if annual spending > ₹90,000)  

Cashback Cap: ₹200/month per category  

Other Benefits: Amex rewards, lounge access  

πŸ’‘ Best for: Fuel & grocery spenders  

6. Standard Chartered Super Value Titanium Credit Card  

✅ Best for Offline Shopping  

Cashback: 5% on departmental stores, 2% on utility bills  

Annual Fee: ₹999 (sometimes waived)  

Cashback Cap: ₹2,000/month  

Other Benefits: Discounts on dining  

πŸ’‘ Best for: Offline retail shoppers  

7. IDFC First Wow Credit Card 

✅ Best Secured Cashback Card (FD-Backed)  

Cashback: 2% on all spends  

Annual Fee: Zero Joining & Renewal Fee  

Cashback Cap: No limit  

Other Benefits: No credit check required (FD-backed)  

πŸ’‘ Best for: Those with low credit score or new to credit  

8. Kotak League Credit Card 

✅ Best for Entertainment & Dining 

Cashback: 5% on Zomato, Swiggy, BookMyShow  

Annual Fee: ₹499 (waived on ₹50,000 annual spend)  

Cashback Cap: ₹250/month  

Other Benefits: Discounts on movies & IPL tickets  

πŸ’‘ Best for: Foodies & movie buffs  

9. RBL Bank Shoprite Credit Card 

✅ Best for Online & Offline Shopping  

Cashback: 5% on partner brands, 1% on other spends  

Annual Fee: ₹499 (sometimes free)  

Cashback Cap: ₹500/month  

Other Benefits: Discounts on Myntra, Flipkart  

πŸ’‘ Best for: Frequent shoppers  

10. HSBC Cashback Credit Card 

✅ Best for International Spends 

Cashback: 10% on dining, 1.5% on other spends  

Annual Fee: ₹1,499 (waived on ₹3 Lakh annual spend)  

Cashback Cap: ₹1,000/month  

Other Benefits: Lounge access, global acceptance  

πŸ’‘Best for: Frequent travelers & diners  

4. Comparison Table: Best Cashback Credit Cards in India (2025)  

Credit Card | Cashback Rate | Annual Fee | Cashback Cap | Best For |  

  SBI Cashback | 5% online, 1% offline | ₹999 | ₹5,000/month | Online shopping   

 HDFC Millennia | 5% on select spends | ₹1,000 | ₹1,000/month | Multi-category  

 Axis Ace | 5% on GPay, 4% on bills | ₹499 | ₹500/month | UPI & bills 

ICICI Amazon Pay | 5% on Amazon | Free | No limit | Amazon shoppers 
 Amex SmartEarn | 5% fuel, 2% groceries | ₹495 | ₹200/month | Fuel & groceries 
 StanC Super Value | 5% retail, 2% bills | ₹999 | ₹2,000/month | Offline shopping 

IDFC Wow | 2% all spends | Free | No limit | Secured card 

 Kotak League | 5% on dining/entertainment | ₹499 | ₹250/month | Food & movies 

 RBL Shoprite | 5% partner brands | ₹499 | ₹500/month | Shopping 

  HSBC Cashback | 10% dining, 1.5% others | ₹1,499 | ₹1,000/month | International spends 

5. How to Maximize Cashback Rewards? 

Use the right card for the right category (e.g., SBI Cashback for online, Amex for fuel)  

Track rotating cashback categories (if applicable)  

Pay bills on time (avoid interest charges)  

Combine with discounts & offers (e.g., Amazon card + Prime Day deals)  

Avoid cash withdrawals (high fees & no rewards)  

6. FAQs on Cashback Credit Cards

Q1. Which card gives the highest cashback in India? 

SBI Cashback (5% online) and HDFC Millennia (5% on select spends) offer the highest cashback rates.  

Q2. Are cashback credit cards worth it?  

Yes, if you pay bills on time and spend strategically. Otherwise, annual fees & interest may outweigh benefits.  

Q3. Can I get a cashback card with a low credit score?  

Yes, secured cards like IDFC Wow (FD-backed) are available.  

Q4. Is cashback taxable in India?  

No, cashback is considered a discount, not income.  

7. Final Verdict: Which Cashback Card Should You Choose?  

Best for Online Shopping:  SBI Cashback  

Best for Amazon: ICICI Amazon Pay 

Best for UPI & Bills: Axis Ace  

Best for Fuel & Groceries: Amex SmartEarn 

Best Lifetime Free: IDFC Wow 

Pro Tip: If you spend heavily in multiple categories, consider 2-3 cashback cards for maximum rewards.  

Apply Now & Start Earning Cashback!  

Check your eligibility and apply via Bank Websites, Paisabazaar, or Card Insider.  

πŸ“Œ Which cashback card do you use? Share in the comments!  

For read more your favourite posts like this...

Comments

Popular posts from this blog

SBI Credit Card: A Comprehensive Guide to Benefits, Types, and How to Apply

SBI Credit Card: A Comprehensive Guide to Benefits, Types, and How to Apply State Bank of India (SBI), the largest public sector bank in India, offers a wide range of credit cards catering to different customer needs—from shopping and travel to fuel and lifestyle rewards. SBI credit cards are known for their attractive rewards, low fees, and exclusive discounts.   In this blog post, we’ll explore:   ✔ Types of SBI Credit Cards ✔ Key Features & Benefits ✔ Eligibility & Application Process  ✔ Rewards & Cashback Offers ✔ Fees & Charges ✔ How to Activate & Manage Your SBI Credit Card ✔ FAQs  1. Types of SBI Credit Cards  SBI offers credit cards for various spending habits, including travel, shopping, dining, and fuel. Here are some popular categories:   A. Travel Credit Cards • SBI Elite Credit Card – Premium travel card with airport lounge access, reward points on spends, and golf benefits.   • SBI Aurum Credit Car...

How to Close a Bank Account Online in India: A Step-by-Step Guide

How to Close a Bank Account Online in India: A Step-by-Step Guide  Closing a bank account is a common requirement, whether you're switching banks, consolidating accounts, or simply no longer need a particular account. Fortunately, many banks in India now allow customers to close their accounts online, saving time and effort.   In this comprehensive guide, we’ll cover:   1. Reasons to Close a Bank Account   2. Things to Consider Before Closing   3. Steps to Close a Bank Account Online   4. Bank-Specific Procedures  5. Alternate Methods (Offline Closure)   6. FAQs on Bank Account Closure    Let’s dive in!  

Axis Bank Credit Cards: The Ultimate Guide to Benefits, Features, and How to Choose the Right One

Axis Bank Credit Cards: The Ultimate Guide to Benefits, Features, and How to Choose the Right One Introduction In today’s fast-paced world, credit cards have become an essential financial tool, offering convenience, security, and rewarding benefits. Among the top players in India’s credit card market, Axis Bank stands out with its diverse range of credit cards tailored to different lifestyles and spending habits.   Whether you're a frequent traveler, a shopaholic, or someone looking for cashback and discounts, Axis Bank has a credit card for you. In this comprehensive guide, we’ll explore:   • Why Choose an Axis Bank Credit Card?   • Types of Axis Bank Credit Cards  • Key Features & Benefits   • How to Apply for an Axis Bank Credit Card   • Fees & Charges  • Rewards & Redemption Process  • Axis Bank Credit Card vs Competitors   • Tips to Maximize Your Credit Card Benefits   • FAQs  By t...

The Ultimate Guide to SIP (Systematic Investment Plan): Building Wealth the Smart Way

The Ultimate Guide to SIP (Systematic Investment Plan): Building Wealth the Smart Way Introduction Investing is one of the most effective ways to grow wealth over time, but many people hesitate due to a lack of knowledge, fear of market volatility, or the misconception that large sums of money are required to start. This is where Systematic Investment Plans (SIPs) come in.   SIPs allow investors to contribute small, regular amounts into mutual funds, benefiting from rupee cost averaging, compounding returns, and disciplined investing. Whether you're a beginner or an experienced investor, SIPs can help you achieve your financial goals without the stress of timing the market.   In this comprehensive guide, we’ll cover:   • What is SIP?   • How SIP Works   • Benefits of SIP Investing   • Types of SIPs   • How to Start a SIP   • Best SIP Strategies   • Common SIP Mistakes to Avoid   • SIP vs...

Best Budgeting Apps in India (2025): Manage Your Money Like a Pro

Best Budgeting Apps in India (2025): Manage Your Money Like a Pro   Managing personal finances can be challenging, especially with rising expenses and financial goals to meet. Fortunately, budgeting apps in India make it easier to track expenses, save money, and invest wisely.   In this comprehensive guide, we’ll explore the best budgeting apps in India that help you take control of your finances. Whether you're a student, salaried professional, freelancer, or business owner, these apps can simplify money management.   Why Use a Budgeting App? Budgeting apps offer several benefits:    • Track income and expenses in real-time    • Set and achieve savings goals     • Avoid overspending with spending alerts    • Automate bill payments and investments    • Improve financial discipline    Now, let’s dive into the top budgeting apps in India for 2024.  

IndusInd Bank Credit Card - apply|How to apply IndusInd Bank Credit Card

 1.  Introduction - Brief overview of IndusInd Bank and its presence in the credit card market. 2.  Types of IndusInd Bank Credit Cards   - Highlight different categories of cards available (e.g., rewards cards, premium cards, lifestyle cards). 3. Key Features of IndusInd Bank Credit Cards   - Features like rewards points, cashback, interest rates, and more. 4. Benefits of Using IndusInd Bank  Credit Cards    - Perks such as travel benefits, discounts, exclusive offers, etc. 5.  How to Apply for an IndusInd Bank Credit Card    - Step-by-step guide on the application process. 6. Eligibility Criteria - Requirements for applying for a credit card with IndusInd Bank. 7. Fees and Charges   - Annual fees, interest rates, and other associated charges. 8. Customer Support & Service  - How IndusInd Bank supports its credit card users. 9.  Conclusion    - Final thoughts on the benefits of choosing IndusI...