Best Cashback Credit Cards In India 2025: Get Upto 10% Cashback
Introduction
In today's digital economy, cashback credit cards have become essential financial tools for savvy consumers looking to maximize value on their everyday spending. The right cashback credit card can help you earn significant returns on your regular purchases, from grocery shopping and dining to travel and entertainment.
With numerous options available in the Indian market, choosing the best cashback credit card that aligns with your spending habits can be overwhelming. This comprehensive guide breaks down the top 9 cashback credit cards in India for 2025, analyzing their features, benefits, and drawbacks to help you make an informed decision.
Let's dive into the details of each card to help you find the perfect cashback companion for your wallet.
HSBC Live+ Credit Card: Best for Dining and Groceries
The HSBC Live+ Credit Card is an excellent choice for those who spend significantly on dining, groceries, and food delivery.
Key Features
- Joining Fee: ₹999 + GST
- Renewal Fee: ₹999 + GST
- Reward Type: Cashback
Benefits
Welcome Benefits
- Welcome Cashback: ₹1,000 cashback by spending ₹20,000 within the first 30 days
Cashback Benefits
- Accelerated Categories: 10% cashback on dining, grocery, and food delivery spends (capped at ₹1,000 per statement cycle)
- Other Transactions: 1.5% unlimited cashback on all other transactions
Entertainment Benefits
- Movie Tickets: Buy 2 movie tickets on BookMyShow on Saturdays and get 1 free (maximum value ₹250)
- Dining Discount: 30% off on dining at EazyDiner
Travel Benefits
- Domestic Lounge Access: 4 complimentary visits per year (1 per quarter)
Why Choose This Card
The HSBC Live+ card offers substantial value for those who spend heavily on dining and groceries. The additional benefits like movie ticket offers and dining discounts make it a lifestyle card that enhances your leisure experiences.
SBI Cashback Credit Card: Best For General Online Spending
The SBI Cashback Credit Card is an excellent entry-level option for those new to credit cards who want straightforward cashback benefits.
Key Features
- Joining Fee: ₹999 + GST
- Renewal Fee: ₹999 + GST
- Reward Type: Cashback
Benefits
Cashback Benefits
- Online Transactions: 5% cashback on all online purchases
- Offline Transactions: 1% cashback on offline purchases
- Monthly Cashback Limit: ₹5,000 (combined for online and offline transactions)
Additional Benefits
- Auto-Credit: Cashback automatically credited within 2 days after statement generation
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000 (maximum ₹100 per statement cycle)
- Renewal Fee Waiver: Spend ₹2 lakh or more annually to waive the renewal fee
Why Choose This Card
The SBI Cashback Credit Card offers a straightforward and generous cashback program, especially for online spends. With its affordable annual fee (which can be waived) and automatic cashback credit, it's an ideal first credit card for many consumers.
Amazon Pay ICICI Bank Credit Card: Best for Amazon Shopping
The Amazon Pay ICICI Bank Credit Card stands out as a premier choice for online shoppers, particularly those who frequently shop on Amazon.
Key Features
- Joining Fee: No joining fee
- Annual Fee: No annual fee
- Reward Type: Cashback
Welcome Benefits:
- Amazon Shopping: 100% cashback up to ₹200 on Amazon purchases
- Prepaid Recharge: 50% cashback up to ₹100 on mobile recharges
- Postpaid Recharge: 25% cashback up to ₹350 on bill payments
- Electricity Bill Payment: 20% cashback up to ₹250
- DTH Recharge: 25% cashback up to ₹200
- Broadband Recharge: 25% cashback up to ₹400
- Gas Cylinder Booking: 10% cashback up to ₹250 (applicable twice)
Regular Cashback Benefits
- Prime Members: 5% cashback on all Amazon India purchases
- Non-Prime Members: 3% cashback on Amazon India purchases
- Fuel Surcharge Waiver: 1% waiver on transactions up to ₹4,000
Redemption Process
Cashback is automatically credited to your Amazon Pay balance at the end of each billing cycle, which can be used for purchases on Amazon or at any merchant accepting Amazon Pay.
Why Choose This Card
The lifetime free status and automatic cashback transfer to your Amazon Pay balance make this card exceptionally convenient for regular Amazon shoppers. With no expiration on your Amazon Pay balance, you can use your rewards whenever you want without worrying about points expiring.
Flipkart Axis Bank Credit Card: Best for Flipkart Shoppers
The Flipkart Axis Bank Credit Card is tailored for those who frequently shop on Flipkart and its partner brands.
Key Features
- Joining Fee: ₹500 + GST
- Renewal Fee: ₹500 + GST
- Reward Type: Cashback
Benefits
Welcome Benefits
- Flipkart Voucher: ₹500 Flipkart voucher upon making a transaction within 30 days of card issuance
Cashback Benefits
- Flipkart Purchases: 5% unlimited cashback on all Flipkart transactions
- Preferred Partners: 4% cashback on Swiggy, Uber, PVR, and cult.fit
- Other Spends: 1% cashback on all other online and offline spends
- No Cashback Cap: Unlimited cashback with no maximum limit
Travel Benefits
- Domestic Lounge Access: 1 free domestic airport lounge visit per quarter (4 visits annually)
- Lounge Access Requirement: Minimum spend of ₹50,000 in the previous quarter
Why Choose This Card
For Flipkart loyalists, this card offers maximum value with its unlimited 5% cashback on the platform. The card's extended benefits for popular services like Swiggy and Uber make it a versatile choice for young professionals and frequent online shoppers.
Swiggy HDFC Bank Credit Card: Best for Food Lovers
The Swiggy HDFC Bank Credit Card is designed for food enthusiasts who regularly order from food delivery platforms and dine out.
Key Features
- Joining Fee: ₹500 + GST
- Renewal Fee: ₹500 + GST
- Reward Type: Cashback
Benefits
Welcome Benefits
- Swiggy One Membership: Free 3-month Swiggy One membership upon card activation
Cashback Benefits
- Swiggy Platform: 10% cashback on all Swiggy spends (food orders, Instamart, Dineout, Genie)
- Maximum Swiggy Cashback: ₹1,500 per billing cycle
- Online Brands: 5% cashback on purchases from Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, etc.
- Maximum Online Cashback: ₹1,500 per billing cycle
- Other Spends: 1% cashback on other eligible transactions
- Maximum Other Cashback: ₹500 per billing cycle
Additional Benefits
- Golf Privileges: Access to up to 12 golf lessons across India
- Cashback Redemption: Directly credited to your credit card statement
Why Choose This Card
This card is perfect for foodies and those who frequently order from Swiggy. With the complimentary Swiggy One membership and high cashback rates on food delivery, it offers significant savings for urban consumers with busy lifestyles.
Airtel Axis Bank Credit Card: Best for Airtel Users
The Airtel Axis Bank Credit Card offers exceptional benefits for Airtel subscribers and those who frequently use telecom and utility services.
Key Features
- Joining Fee: ₹500 + GST
- Renewal Fee: ₹500 + GST
- Reward Type: Cashback
Benefits
Welcome Benefits
- Amazon Gift Voucher: ₹500 voucher when you make your first transaction within 30 days
Cashback Benefits
- Airtel Services: 25% cashback on Airtel mobile, DTH, WiFi, and broadband recharges via the Airtel Thanks app (capped at ₹250 per month)
- Utility Bills: 10% cashback on utility bill payments via the Airtel Thanks app (capped at ₹250 per month)
- Partner Brands: 10% cashback on purchases from Swiggy, Big Basket, and Zomato (capped at ₹500 per month)
- Other Spends: 1% unlimited cashback on all other retail spends
Travel Benefits
- Lounge Access: 4 complimentary domestic airport lounge visits annually
- Lounge Access Requirement: Minimum spend of ₹50,000 in the previous 3 calendar months
Additional Benefits
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹4,000 (capped at ₹500 per month)
- Fee Waiver: Annual fee waived from the second year onwards upon spending ₹2 lakhs in the previous year
Why Choose This Card
For Airtel customers, this card offers exceptional value with its 25% cashback on Airtel services. The additional benefits for utility payments and popular food platforms make it an all-rounder for daily expenses.
Axis Bank ACE Credit Card: Best for offline spends & google pay spends
The Axis Bank ACE Credit Card is perfect for those who regularly make utility payments through Google Pay and frequently order food online.
Key Features
- Joining Fee: ₹499 + GST
- Renewal Fee: ₹499 + GST
- Reward Type: Cashback
Benefits
Cashback Benefits
- Google Pay Utility Bills: 5% cashback on up to ₹10,000 per statement cycle (maximum ₹500)
- Dining and Rides: 4% cashback on Swiggy, Zomato, and Ola (maximum ₹500 per statement cycle)
- Other Spends: 1.5% unlimited cashback on all other transactions
Additional Benefits
- Automatic Cashback Credit: Cashback automatically credited 3 days before the next statement date
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹4,000 (maximum ₹500 per statement cycle)
- Domestic Lounge Access: 4 visits per year (with ₹50,000 spend requirement over three months)
Why Choose This Card
The Axis Bank ACE Credit Card offers exceptional value for Google Pay users with its 5% cashback on utility bill payments. The automatic cashback crediting system eliminates the hassle of redemption, making it a convenient choice for busy professionals.
HDFC Bank Millennia Credit Card: Best for Online Shopping
The HDFC Bank Millennia Credit Card is designed for millennials who frequently shop online at popular e-commerce platforms.
Key Features
- Joining Fee: ₹1,000 + GST
- Renewal Fee: ₹1,000 + GST
- Reward Type: Cashback (as CashPoints)
Benefits
Welcome Benefits
- Bonus CashPoints: 1,000 CashPoints upon payment of joining fee
Reward Program
- Top Online Merchants: 5% cashback (as CashPoints) on Amazon, Flipkart, Zomato, Swiggy, Uber, Myntra, and more
- Other Spends: 1% cashback on all other eligible transactions
- Maximum CashPoints: 1,000 per category per billing cycle
Milestone Benefits
- Quarterly Rewards: Gift vouchers worth ₹1,000 for every ₹1 lakh spent in a quarter (up to ₹4,000 annually)
- Fee Waiver: Spend over ₹1 lakh in an anniversary year to waive the renewal fee
Additional Benefits
- Fuel Surcharge Waiver: 1% waiver on transactions above ₹400
- CashPoint Validity: 2 years from date of earning
Redemption Options
- Statement Credit: 1 CashPoint = ₹1 (minimum 500 CashPoints)
- Travel Bookings: 1 CashPoint = ₹0.30 via SmartBuy
- Product Catalogue: 1 CashPoint = ₹0.30
- AirMiles: 1 CashPoint = 0.30 AirMiles
Why Choose This Card
The HDFC Bank Millennia Card offers excellent value for online shoppers with its 5% cashback on popular platforms. The quarterly milestone rewards and multiple redemption options make it a flexible choice for young professionals.
Tata Neu Infinity HDFC Bank Credit Card: Best for Tata Ecosystem
The Tata Neu Infinity Credit Card is ideal for those who frequently shop at Tata group brands and services.
Key Features
- Joining Fee: ₹1,499 + GST
- Renewal Fee: ₹1,499 + GST
- Reward Type: Reward Points (NeuCoins)
Benefits
Welcome Benefits
- Bonus Neu Coins: 1,499 bonus NeuCoins upon first transaction within 30 days
Rewards Structure
- Tata Neu App/Website: 5% NeuCoins on all purchases
- Neu Pass Activation: Additional 5% NeuCoins
- Partner Tata Brands: 5% NeuCoins at AirAsia India, Tata 1mg, Tata CLiQ, Croma, cult.fit, Big Basket, Westside, and IHCL
- UPI Spends: 1.5% NeuCoins (capped at 500 NeuCoins per month) via Tata Neu app; 0.5% via other UPI apps
Points Value and Redemption
- Redemption Rate: 1 NeuCoin = ₹1
- Redemption Options: Use NeuCoins with all partner Tata brands
Airport Lounge Benefits
- Domestic Lounge Access: 8 complimentary visits per year (2 per quarter)
- International Lounge Access: 4 complimentary visits to international lounges per year via Priority Pass (1 per quarter)
- Lounge Access Requirement: ₹50,000 spent during the quarter
Why Choose This Card
For loyal customers of Tata brands, this card offers exceptional value with its 5% rewards rate, which can be doubled with Neu Pass activation. The extensive lounge access benefits make it an excellent choice for frequent travelers.
Comparison: Best Cashback Credit Cards in India 2025
How to Choose the Right Cashback Credit Card
When selecting a cashback credit card, consider these factors:
- Spending Patterns: Choose a card that offers maximum rewards on categories where you spend the most.
- Annual Fee: Evaluate whether the benefits justify the annual fee, or look for cards with fee waiver options.
- Cashback Caps: Check if there are monthly or annual limits on the cashback you can earn.
- Redemption Process: Consider how easy it is to redeem your cashback or rewards.
- Additional Benefits: Look for supplementary perks like lounge access, insurance coverage, or dining offers.
- Brand Loyalty: If you frequently shop at specific merchants, a co-branded card might offer better value.
FAQs About Cashback Credit Cards
What is a cashback credit card?
A cashback credit card returns a percentage of your spending as cash rewards, effectively giving you a discount on your purchases. Unlike reward points, cashback is straightforward and usually automatically credited to your account.
How is cashback calculated on credit cards?
Cashback is typically calculated as a percentage of your spending. For example, if a card offers 5% cashback on groceries and you spend ₹2,000, you'll earn ₹100 as cashback.
Are there any hidden charges with cashback credit cards?
While cashback credit cards offer rewards, they may come with fees such as annual charges, late payment penalties, and interest on outstanding balances. Always read the terms and conditions carefully before applying.
Which categories typically earn the highest cashback?
Most cashback credit cards offer higher rates on specific categories like online shopping, dining, groceries, or travel. Premium cards may offer enhanced cashback across multiple categories.
Is there a limit to how much cashback I can earn?
Yes, most cashback credit cards have monthly or quarterly caps on the amount of cashback you can earn in specific categories. Some cards may offer unlimited cashback on certain spends.
How soon after a purchase is cashback credited?
The timing varies by card. Some cards credit cashback within a few days of the transaction, while others may credit it after the billing cycle ends. Automatic cashback crediting is becoming increasingly common.
Can I redeem cashback for anything other than statement credit?
This depends on the card. Some cards automatically apply cashback as statement credit, while others convert it to points that can be redeemed for travel, merchandise, gift cards, or transfers to partner programs.
Are there any cashback cards with no annual fee?
Yes, the Amazon Pay ICICI Bank Credit Card is a notable example of a no-annual-fee cashback card that offers excellent rewards for online shoppers.
How do I maximize my cashback earnings?
To maximize cashback, use different cards for different spending categories, meet minimum spending requirements for bonus offers, pay attention to promotional periods with enhanced cashback, and always pay your balance in full to avoid interest charges that may negate your rewards.
Conclusion: Finding Your Ideal Cashback Credit Card
The best cashback credit card for you depends entirely on your spending habits and lifestyle. If you're a frequent Amazon shopper, the Amazon Pay ICICI Bank Credit Card offers unmatched value with its no-fee structure and automatic cashback credits. For Flipkart loyalists, the Flipkart Axis Bank Card provides excellent returns with its unlimited 5% cashback.
Food enthusiasts will appreciate the Swiggy HDFC Bank Card's generous 10% rewards, while Airtel users can maximize savings with the Airtel Axis Bank Card's 25% cashback on telecom services. The Tata Neu Infinity Card stands out for those entrenched in the Tata ecosystem, particularly with its impressive lounge access benefits.
For first-time credit card users, the SBI Cashback Credit Card offers a straightforward and rewarding introduction to the world of cashback benefits.
Remember to evaluate the annual fees against the potential rewards based on your typical monthly spending. The ideal card should not only maximize your cashback but also align with your financial habits and lifestyle.
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