Best Credit Cards for Cashback in India 2025

Best Cashback Credit Cards in India (2025)

1. HDFC Millennia Credit Card

Best For: Online buyers and food delivery

• 5% cashback on Amazon, Flipkart, Swiggy, Zomato
• 1% cashback on other spends
• Milestone benefits of ₹1,000 each quarter
• Annual fee: ₹1,000 (waived for ₹1L spend)

2. SBI Cashback Card

Best For: Cashback all-round

• 5% cashback on all online spends
• No merchant restrictions
• 1% cashback on offline spends
• Annual fee: ₹999

3. Axis Bank ACE Credit Card

Best For: Mobile recharges & bill payments

• 5% cashback on Google Pay spends
• 4% on Swiggy, Zomato, Ola
• 2% on all other spends
• Annual fee: ₹499

4. Amazon Pay ICICI Credit Card

Best For: Amazon Prime users

• 5% cashback for Prime, 3% for non-Prime
• 2% on partner merchants (e.g., Swiggy, BookMyShow)
• No annual fee
• Lifetime free card

5. Flipkart Axis Bank Credit Card

Best For: Flipkart enthusiasts

• 5% cashback on Flipkart, Myntra
• 4% on PVR, Uber, Swiggy
• 1.5% on other spends
• Annual fee: ₹500

Things to Consider Before Choosing a Cashback Card

• Annual Fees vs Benefits: Check if cashback outweighs the yearly fee
• Spending Habits: Pick a card that matches your lifestyle (online vs offline)
• Cashback Caps: Some cards limit the cashback you can earn
• Partner Merchants: More partnerships = more earning

How to Maximize Cashback Benefits

• Pay full bill to avoid interest charges
• Use specific cards for their best categories
• Combine with deals from shopping platforms
• Redeem cashback directly or as statement credit

Final Thoughts

2025 cashback credit cards are smarter and more rewarding than ever before. Whether you’re buying necessities, ordering food, or paying bills — there’s a card that rewards you with money back. Pick the one that suits your needs, compare the rewards, and save throughout the year. Begin earning each time you spend — the smart way.