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.
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Credit Card Name | Best For | Key Benefits | Annual Fee | Eligibility Criteria |
HDFC Bank MoneyBack Credit Card | Everyday Spending | - 5% cashback on online spends. - 2.5% cashback on retail purchases. - 1 reward point per INR 150 spent. | ₹500 | Minimum annual income of INR 3 lakh. |
ICICI Bank Amazon Pay Credit Card | Online Shopping | - 5% cashback on Amazon.in purchases for Prime members. - 1% cashback on all other spends. | ₹500 | Minimum annual income of INR 2.5 lakh. |
Axis Bank ACE Credit Card | Online 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 Card | Groceries & Dining | - 5% cashback on grocery and supermarket spends. - 1% cashback on other purchases. | ₹500 | Minimum annual income of INR 3 lakh. |
SBI Card SimplySAVE Credit Card | Grocery Shopping & Dining | - 5% cashback on grocery and dining spends. - 1% cashback on other purchases. | ₹499 | Minimum annual income of INR 3 lakh. |
RBL Bank Shop Smart Credit Card | Shopping & Entertainment | - 5% cashback on retail spends. - 1% cashback on all other purchases. - Discounts on shopping and dining. | ₹499 | Minimum annual income of INR 4 lakh. |
IndusInd Bank Platinum Credit Card | Everyday Spending | - 1.5% cashback on every purchase. - Bonus cashback on fuel and other spending categories. | ₹1,000 | Minimum annual income of INR 4 lakh. |
Credit Card Name | Why Choose This Card |
HDFC Bank MoneyBack Credit Card | Ideal 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 Card | Best 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 Card | Great 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 Card | Perfect 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 Card | Great 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 Card | Excellent for retail shoppers, offering 5% cashback on purchases, with extra benefits for dining and entertainment discounts. |
IndusInd Bank Platinum Credit Card | A solid cashback option with a decent cashback rate on all purchases and additional benefits like bonus cashback on specific categories. |
When choosing a cashback credit card, consider the following factors:
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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