Cashback credit cards offer a straightforward way to earn back a percentage of what you spend on everyday purchases. These cards are perfect for those who want to save money without the complexities of reward points or miles. In 2025, many credit cards offer great cashback benefits, helping you maximize your savings with each transaction. Here’s a look at the best cashback credit cards available in India.


Swiggy HDFC Bank Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Dining | Food

Reward Type

Cashback

Welcome Benefits

Complimentary 3-Month Swiggy One Membership


Flipkart Axis Bank Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Introductory Benefits Worth Rs. 600 on Card Issuance


Cashback SBI Credit Card

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping | Food

Reward Type

Cashback

Welcome Benefits

N/A


HDFC Bank Millennia Credit Card

Joining Fee

Lifetime Free

Renewal Fee

Lifetime Free

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

1,000 CashPoints


Airtel Axis Bank Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Food | Bill Payment

Reward Type

Cashback

Welcome Benefits

Amazon Voucher Worth Rs. 500


Amazon Pay ICICI Bank Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership


Axis Bank Cashback Credit Card

Joining Fee

₹1,000 + GST

Renewal Fee

₹1,000 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

5,000 EDGE Reward Points on Making the First Transaction Within 30 Days


 

Top Cashback Credit Cards in India for 2025

Credit Card NameBest ForKey BenefitsAnnual FeeEligibility Criteria
HDFC Bank MoneyBack Credit CardEveryday Spending- 5% cashback on online spends. - 2.5% cashback on retail purchases. - 1 reward point per INR 150 spent.₹500Minimum annual income of INR 3 lakh.
ICICI Bank Amazon Pay Credit CardOnline Shopping- 5% cashback on Amazon.in purchases for Prime members. - 1% cashback on all other spends.₹500Minimum annual income of INR 2.5 lakh.
Axis Bank ACE Credit CardOnline Shopping & Utilities- 5% cashback on Google Pay spends. - 2% cashback on bill payments, dining, and online shopping. - 1% cashback on other purchases.Lifetime Free (Eligible Applicants)Minimum annual income of INR 3 lakh.
Standard Chartered Super Value Titanium Credit CardGroceries & Dining- 5% cashback on grocery and supermarket spends. - 1% cashback on other purchases.₹500Minimum annual income of INR 3 lakh.
SBI Card SimplySAVE Credit CardGrocery Shopping & Dining- 5% cashback on grocery and dining spends. - 1% cashback on other purchases.₹499Minimum annual income of INR 3 lakh.
RBL Bank Shop Smart Credit CardShopping & Entertainment- 5% cashback on retail spends. - 1% cashback on all other purchases. - Discounts on shopping and dining.₹499Minimum annual income of INR 4 lakh.
IndusInd Bank Platinum Credit CardEveryday Spending- 1.5% cashback on every purchase. - Bonus cashback on fuel and other spending categories.₹1,000Minimum annual income of INR 4 lakh.

 

Why We Choose This Card

Credit Card NameWhy Choose This Card
HDFC Bank MoneyBack Credit CardIdeal for those who spend on both online and offline purchases, offering high cashback rates on various categories like online shopping and retail.
ICICI Bank Amazon Pay Credit CardBest for Amazon shoppers, with 5% cashback on Amazon purchases for Prime members, making it a top choice for frequent Amazon buyers.
Axis Bank ACE Credit CardGreat for online shoppers and those paying utility bills, offering up to 5% cashback and a lifetime-free option for eligible applicants.
Standard Chartered Super Value Titanium Credit CardPerfect for grocery shoppers, with 5% cashback on supermarket purchases and low annual fees, making it a practical choice for those who prioritize savings on daily essentials.
SBI Card SimplySAVE Credit CardGreat for people who regularly dine out and grocery shop, offering 5% cashback on these purchases, and a low annual fee.
RBL Bank Shop Smart Credit CardExcellent for retail shoppers, offering 5% cashback on purchases, with extra benefits for dining and entertainment discounts.
IndusInd Bank Platinum Credit CardA solid cashback option with a decent cashback rate on all purchases and additional benefits like bonus cashback on specific categories.

 

How to Choose the Best Cashback Credit Card for You?

When choosing a cashback credit card, consider the following factors:

  • Spending Patterns: Choose a card that offers high cashback on the categories where you spend the most (e.g., groceries, dining, shopping).
  • Cashback Rate: Look for cards that offer a higher cashback rate for your most frequent purchases.
  • Eligibility Criteria: Ensure you meet the minimum income and credit score requirements for the card you want.
  • Additional Benefits: Some cashback cards offer extra benefits like discounts, bonus cashback, and shopping rewards, so keep an eye out for those.

 

Conclusion

Cashback credit cards are an excellent way to save on everyday purchases while enjoying the convenience of a credit card. Whether you're an avid online shopper, a grocery shopper, or someone who dines out frequently, the cards listed above provide some of the best cashback rewards in India for 2025. With a variety of options available, you can find a card that perfectly matches your spending habits and helps you earn back money on every purchase.

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