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Who doesn’t love getting money back every time they spend? Cashback credit cards are one of the most rewarding tools for smart shoppers — giving you instant value on your everyday purchases.
But with dozens of cashback cards available in India, how do you pick the right one?
In this guide, we’ll list the top cashback credit cards in India for 2025, highlight their best features, and help you choose the one that fits your spending style.
What Is a Cashback Credit Card?
A cashback card gives you a percentage of your spending back as cash or statement credit.
For example, if you spend ₹10,000 and your card offers 5% cashback, you’ll earn ₹500 — simple, direct savings.
Best Cashback Credit Cards in India (2025)
1. SBI Cashback Credit Card – Best Overall Cashback Card
- Annual Fee: ₹999
- Cashback: 5% on all online purchases, 1% on offline.
- Rewards Redemption: Auto-credit to statement.
- Why it’s great: Simple, unlimited cashback with no complicated reward system.
2. ICICI Amazon Pay Credit Card – Best for Amazon Shoppers
- Annual Fee: ₹0 (Lifetime Free)
- Cashback:
- 5% for Amazon Prime members
- 3% for non-Prime users
- 2% on partner merchants, 1% elsewhere
- Why it’s great: Perfect for frequent Amazon users.
3. Axis Bank ACE Credit Card – Best for Google Pay Users
- Annual Fee: ₹499 (waived on ₹10,000 monthly spend)
- Cashback:
- 5% on bill payments & recharges via Google Pay
- 4% on Swiggy, Zomato, Ola
- 2% on all other spends
- Why it’s great: Easy to maximize savings on daily expenses.
4. HDFC Millennia Credit Card – Best for Millennials & Online Spenders
- Annual Fee: ₹1,000 (waived on ₹1 lakh annual spend)
- Cashback:
- 5% on Amazon, Flipkart, and other partner sites
- 1% on other spends
- Why it’s great: Great balance of perks and online rewards.
5. Flipkart Axis Bank Credit Card – Best for Flipkart Lovers
- Annual Fee: ₹500
- Cashback:
- 5% on Flipkart, Myntra, and 2GUD
- 4% on Swiggy, Uber, PVR
- 1.5% on all other spends
- Why it’s great: Ideal for Flipkart ecosystem users.
Looking for more than just cashback? Explore our picks for the Best Credit Cards in India 2025.
Quick Comparison Table (Cashback Credit Cards 2025)
| Credit Card | Annual Fee | Cashback Rate / Benefit | Best For |
|---|---|---|---|
| SBI Cashback Card | ₹999 | 5% online, 1% offline | Online shoppers |
| ICICI Amazon Pay Card | ₹0 | 5% (Prime), 3% (non-Prime) | Amazon users |
| Axis ACE Card | ₹499 | 5% via GPay, 4% Swiggy/Zomato, 2% others | Bill pay & food apps |
| HDFC Millennia Card | ₹1,000 | 5% on major sites, 1% elsewhere | Millennials, online spend |
| Flipkart Axis Bank Card | ₹500 | 5% Flipkart, 4% Swiggy, 1.5% others | Flipkart shoppers |
Which Cashback Card Should You Choose?
- For overall simplicity: SBI Cashback Card
- For Amazon users: ICICI Amazon Pay Credit Card
- For Google Pay users: Axis Bank ACE
- For Flipkart users: Flipkart Axis Bank Card
- For balanced rewards: HDFC Millennia Card
Conclusion
Cashback credit cards are the simplest way to save money without tracking points or rewards.
In 2025, SBI Cashback Card remains the best all-rounder, while ICICI Amazon Pay is unbeatable for Amazon users.
Pick a card that matches your spending habits, and your daily expenses can start earning you real cashback every month.