Top 10 Cashback Credit Cards in India for 2025 – Get Paid to Spend

 Top 10 Cashback Credit Cards in India for 2025 – Get Paid to Spend

Alright, so, it’s 2025 and if you’re still using a debit card for everything... come on, step it up. Credit cards aren’t just plastic for emergencies anymore—they’re like that friend who sneaks you cashback every time you pay for coffee, groceries, or that late-night pizza. And who doesn’t want a little extra cash just for living their regular life? Anyway, here’s my run-down of the absolute best cashback credit cards you can snag in India this year. Some are classics, some are new, but all of them are worth a look if you’re tired of leaving money on the table. 

Why Even Bother With Cashback Cards?

Look, points are fine and all, but who wants to track some complicated reward program just to get a toaster? Cashback is instant, obvious, and, let’s be honest, way less annoying. Money back straight to your statement or wallet—no mental gymnastics. Just make sure you check for stuff like:

- The actual cashback rate (don’t get tricked by fine print)

- Any annoying monthly or yearly limits

- Joining/renewal fees (sometimes they’re sneaky, sometimes they’re not)

- How much you gotta spend to get the fees waived

- What doesn’t count (fuel, EMIs, wallet top-ups... sometimes they’re stingy)

Top 10 Cashback Credit Cards in India for 2025 – Get Paid to Spend

Here’s the good stuff:

1. SBI Cashback Credit Card  

Online shopaholics, this one’s basically tailor-made for you. 5% back on online spends, 1% everywhere else.  

Fee: ₹999 (waived if you blow through ₹2 lakh in a year)  

Perks: Fuel surcharge waiver (up to ₹100/month), cashback drops in automatically  

Perfect for: Anyone who can’t remember the last time they went shopping IRL

2. Amazon Pay ICICI Credit Card  

If you live on Amazon (guilty), this is a no-brainer. 5% cashback for Prime folks, 3% if you’re not fancy, and 1% everywhere else.  

Fee: Zero. Nada.  

Perks: Cashback becomes Amazon Pay balance, works with their partner shops too.  

Perfect for: Amazon addicts

3. HDFC Millennia Credit Card  

5% cashback if you use PayZapp or SmartBuy, 1% in other places.  

Fee: ₹1,000 (waived if you hit ₹1 lakh spend)  

Extra: Sweet deals on travel and shopping, if you’re into that.  

Perfect for: People who don’t mind using HDFC’s apps

4. Axis Bank ACE Credit Card  

Google Pay is your friend here—5% cashback on bill payments, 4% on Swiggy/Zomato/Ola, 2% on the rest.  

Fee: ₹499 (waived at ₹2 lakh spend)  

Perfect for: Folks who pay bills and order food like it’s a sport

5. Axis Bank Cashback Credit Card  

Basically the online shopper’s dream—5% on online stuff, 1% offline, and it dumps cashback straight to your account every month.  

Fee: ₹1,000 (waived at ₹2 lakh spend)  

Perfect for: People who should probably chill with the online shopping

6. HSBC Cashback Credit Card  

Foodies, listen up—10% back on dining and groceries, 1.5% on everything else.  

Fee: ₹999 (waived at ₹1.5 lakh spend)  

Perfect for: Hungry families, or anyone who thinks about their next meal constantly

7. Standard Chartered Super Value Card  

If you’re paying for fuel and utilities a lot, this one’s actually useful: 5% cashback on those, plus 3X points elsewhere.  

Fee: ₹750–₹1,000  

Perfect for: Responsible adults (or just people with a lot of bills)

8. HDFC Tata Neu Infinity Credit Card  

Tata loyalist? You get 5% cashback (as NeuCoins) on Tata brands, 1.5% everywhere else.  

Fee: ₹1,499 (waived at ₹3 lakh spend)  

Perfect for: Tata fans, obviously

9. Flipkart Axis Bank Credit Card  

5% back on Flipkart and Myntra, 4% on their partners, 1.5% everywhere else.  

Fee: ₹500 (waived at ₹2 lakh spend)  

Perfect for: Hardcore online deal hunters

10. IDFC FIRST Millennia Credit Card  

New to this whole credit card thing? Up to 5% cashback on special spends, 1% everywhere else, and no annual fee.  

Fee: Zero  

Perfect for: Credit card newbies who want to dip a toe in

How to Actually Get the Most Cashback (Don’t Be Lazy)

1. Use the right card for the right thing—don’t swipe your grocery card at a petrol pump and then complain you got nothing back.

2. Pay your bill in full, always. Late fees will eat all your cashback and then some.

3. Read the fine print—seriously. There’s always some cap or exclusion hiding in there.

4. Don’t let your cashback expire. That’s just tragic.

5. Stack up on promos—festivals, partner deals, all that jazz. Sometimes you’ll score double.

So, Which Card’s Best?

Honestly, depends on what you’re into.  

- If you’re glued to your phone shopping online: SBI Cashback, Axis Cashback  

- Love eating out: HSBC Cashback, Axis ACE  

- Can’t get enough of Flipkart or Amazon: Flipkart Axis, Amazon Pay ICICI  

If you’re smart about it and always pay off your card, you’re basically getting paid for spending money. That’s as close to a cheat code as adulting gets these days. Don’t leave cash on the table, yeah?