Introduction
A cashback credit card is one of the smartest tools to save money while spending. Whether you’re shopping online, paying bills, or dining out, credit cards with cashback benefits help you earn back a percentage of what you spend.
In this guide, you’ll learn about the best cashback credit cards in India, their features, and how to choose the right one in 2025.
What is a Cashback Credit Card?
A cashback credit card gives you a certain percentage of your transaction amount back as cashback. The cashback is either directly credited to your account or adjusted against your bill.
For example, if you spend ₹1,000 and your card offers 5% cashback, you get ₹50 back. Over time, this adds up to big savings.
Benefits of Using a Cashback Credit Card
Save on Everyday Purchases
Earn cashback on groceries, fuel, utilities, travel, and more.
Automatic Rewards
No need to track or redeem points — cashback is usually auto-credited.
Flat or Category-Based Cashback
Some cards offer flat cashback on all spending, while others offer more for select categories.
Introductory Bonuses
Many cards offer extra cashback as a welcome offer.
Best Cashback Credit Cards in India (2025)
Here are some of the top cards offering the best cashback benefits this year:
1. Axis Bank Ace Credit Card
- Annual Fee: ₹499
- Cashback:
- 2% on all spends
- 5% on Google Pay bill payments
- Best For: Everyday payments & billers
- Special Offer: ₹500 cashback on first transaction
Apply at axisbank.com
2. SBI Cashback Credit Card
- Annual Fee: ₹999
- Cashback:
- 5% on online shopping (Amazon, Flipkart, Myntra, etc.)
- 1% on offline spends
- Best For: Online shoppers
- Monthly Cap: ₹5,000 cashback per month
Apply at sbicard.com
3. HDFC Millennia Credit Card
- Annual Fee: ₹1,000 (waived on ₹1L spend)
- Cashback:
- 5% on Amazon, Flipkart, Swiggy
- 1% on all other spends
- Extra: Milestone benefits and fuel surcharge waiver
Apply at hdfcbank.com
4. Amazon Pay ICICI Credit Card
- Annual Fee: ₹0 (Lifetime free)
- Cashback:
- 5% for Amazon Prime users
- 3% for non-Prime
- 1% on all other spends
- Best For: Regular Amazon shoppers
Apply via Amazon or ICICI website
5. AU Bank LIT Credit Card
- Annual Fee: ₹0–499 (depending on features chosen)
- Cashback: Custom cashback modules for fuel, travel, shopping
- Best For: Users who want to customize benefits
Apply at aubank.in
How to Choose the Best Cashback Credit Card
Match the Card with Your Spending
If you mostly shop online, go for Amazon/SBI cashback cards. If you use UPI or Google Pay often, Axis Ace is a good choice.
Check for Fee Waivers
Some cards waive the annual fee if you spend a certain amount per year.
Read Cashback Conditions
Check cashback limits, minimum spend requirements, and partner restrictions.
Consider Lifetime Free Options
Cards like Amazon Pay ICICI offer permanent savings without fees.
Tips to Maximize Cashback
- Pay bills and recharges using credit card-linked apps
- Use your card for major purchases during offer periods
- Always pay your bill in full to avoid interest charges
- Track your cashback earnings monthly
Conclusion
Choosing a credit card with cashback benefits is a smart way to save money while spending. Whether you want flat cashback or category-based rewards, Indian banks offer many powerful cards to fit your lifestyle.
Compare the top cashback cards, understand your needs, and apply online to start earning real savings on every swipe.