Best Credit Card for Cashback in India
In today’s cashless world, using a credit card smartly can help you save thousands of rupees every year — not just through reward points but also through cashback offers.
Whether you’re shopping online, ordering food, or paying bills, cashback credit cards give you instant savings on every spend. In this detailed 2025 guide, we’ll explore the best credit cards for cashback in India, their annual fees, benefits, eligibility, and how to choose the right one for your lifestyle.
💰 What is a Cashback Credit Card?
A cashback credit card gives you a certain percentage of your purchase amount back as cash or statement credit.
For example, if your card offers 5% cashback and you spend ₹10,000, you earn ₹500 cashback — simple and direct savings!
Unlike reward points (which need conversion), cashback directly reduces your bill amount, making it the most transparent and useful benefit for daily users.
🏆 Top 7 Best Cashback Credit Cards in India (2025)
Below are the top-performing cards offering high cashback value, wide acceptance, and additional perks like fuel surcharge waivers, travel discounts, and zero annual fees.
1. Axis Bank Ace Credit Card
- Cashback: 5% on bill payments & recharges via Google Pay, 2% on online spends, 1% on others.
- Annual Fee: ₹499 (waived on ₹10,000 monthly spend)
- Best For: Regular online shoppers and mobile users.
- Highlight: Cashback auto-credited every month — no redemption hassle.
2. HDFC Millennia Credit Card
- Cashback: 5% on Amazon, Flipkart, Swiggy, Zomato, and Myntra; 1% on other spends.
- Annual Fee: ₹1,000 (waived on ₹1 lakh annual spend)
- Best For: Young professionals who frequently shop online.
- Highlight: Cashback credited as CashPoints usable for bill payments.
3. Amazon Pay ICICI Credit Card
- Cashback: 5% on Amazon (Prime members), 3% on non-prime users, 2% on partner merchants.
- Annual Fee: Lifetime Free
- Best For: Amazon and partner app users.
- Highlight: Instant cashback directly added to your Amazon Pay balance.
4. Flipkart Axis Bank Credit Card
- Cashback: 5% on Flipkart & Myntra, 4% on partner merchants, 1.5% on all others.
- Annual Fee: ₹500 (waived on ₹2 lakh annual spend)
- Best For: Regular Flipkart and Myntra shoppers.
- Highlight: Welcome bonus worth ₹1,000 and free airport lounge access.
5. SBI Cashback Credit Card
- Cashback: Flat 5% on all online transactions, 1% on offline spends.
- Annual Fee: ₹999 (waived on ₹2 lakh annual spend)
- Best For: Heavy online buyers and bill payers.
- Highlight: Direct cashback credited to statement every cycle.
6. HSBC Cashback Credit Card
- Cashback: 1.5% on online spends, 1% on others.
- Annual Fee: ₹750 (first year free)
- Best For: Users preferring a simple, transparent cashback structure.
- Highlight: No minimum spend cap and lounge benefits.
7. Standard Chartered Smart Credit Card
- Cashback: 2% on online spends, 1% on offline transactions.
- Annual Fee: ₹499 (waived on ₹1.2 lakh annual spend)
- Best For: Daily transactions and recurring bill payments.
- Highlight: Flat cashback across all categories — easy to track.
🧾 Cashback Comparison Table (2025)
| Credit Card | Cashback on Online | Cashback on Offline | Annual Fee (₹) | Key Benefit |
|---|---|---|---|---|
| Axis Bank Ace | 5% | 1% | 499 | Google Pay & Utility Payments |
| HDFC Millennia | 5% | 1% | 1000 | Top E-commerce Brands |
| Amazon Pay ICICI | 5% | 1% | 0 | Lifetime Free |
| Flipkart Axis Bank | 5% | 1.5% | 500 | Partner Discounts |
| SBI Cashback | 5% | 1% | 999 | Auto Credit Cashback |
| HSBC Cashback | 1.5% | 1% | 750 | No Cap Cashback |
| SC Smart | 2% | 1% | 499 | Flat Cashback Model |
💡 How to Choose the Best Cashback Credit Card
- Match the Card to Your Lifestyle – If you shop more on Amazon, go for Amazon Pay ICICI; for Flipkart, choose Flipkart Axis.
- Check Cashback Caps – Some banks limit monthly cashback (e.g., SBI caps at ₹5,000).
- Prefer Annual Fee Waivers – Cards like Axis Ace and HDFC Millennia waive fees on minimum spend.
- Auto-Credit Feature – Choose cards where cashback auto-credits into your statement, not as points.
- Check Acceptance – Ensure your preferred merchants accept Visa/MasterCard/Amex as applicable.
🧠 Pro Tips to Maximize Cashback
- Always pay before the due date to avoid interest or penalty.
- Combine credit card cashback + merchant discounts (e.g., Amazon or Swiggy offers).
- Use UPI-linked cards like Axis Ace for recharges and bill payments.
- Avoid using credit cards for cash withdrawals — no cashback and high interest.
- Set auto reminders for bill due dates to maintain a strong credit score.
💸 Example of Annual Cashback Savings
If you spend ₹15,000/month online with SBI Cashback Card (5%):
- ₹15,000 × 5% = ₹750/month cashback
- ₹750 × 12 months = ₹9,000 annual cashback
That’s equal to one month of utility bills — absolutely free!
🏁 Conclusion
The best credit card for cashback in India depends on your spending pattern:
- For Amazon users → Amazon Pay ICICI (Lifetime Free)
- For Flipkart or Myntra lovers → Flipkart Axis Bank Card
- For bill payments via Google Pay → Axis Bank Ace
- For universal cashback on all online spends → SBI Cashback Credit Card
In 2025, smart Indians are not just spending — they’re earning on every spend. So pick your perfect cashback card today and start saving automatically!
🔍 SEO Metadata
Title:
Best Credit Card for Cashback in India (2025): Top 7 Cards Compared
Meta Description:
Looking for the best credit card for cashback in India 2025? Compare top 7 cashback credit cards with benefits, eligibility, annual fees, and smart saving tips.
Permalink:https://yourdomain.com/best-credit-card-for-cashback-in-india-2025
Focus Keyword:
Best credit card for cashback in India
Secondary Keywords:
- cashback credit cards India
- best cashback offers 2025
- SBI cashback card benefits
- Amazon Pay ICICI review
- Axis Ace credit card cashback
🏷️ Tags
Credit Cards, Cashback India, SBI Card, HDFC Card, Axis Bank, ICICI Bank, Personal Finance, Online Shopping, Rewards, Financial Tips
🖼️ Suggested Image Titles and Alt Texts
| Image Type | Title | Alt Text |
|---|---|---|
| Featured Image | Best Cashback Credit Cards India 2025 | “Top 7 cashback credit cards in India 2025” |
| Comparison Chart | Credit Card Cashback Comparison | “Cashback percentage comparison for Indian credit cards” |
| Lifestyle Image | Credit Card Payment India | “Using a cashback credit card for online shopping in India” |
| Bank Image | Credit Card Offers India | “Axis Bank, HDFC, ICICI best credit cards for cashback” |
⚙️ Bonus Tip for AdSense CTR
Add a comparison table and FAQ schema at the bottom for Discover visibility. Example FAQs:
- Which credit card gives the highest cashback in India?
- Which cashback card is lifetime free?
- Is SBI Cashback Credit Card worth it in 2025?
