Best Cashback Credit Cards in India 2025: Top Picks & Smart Spending Strategies

Best Cashback Credit Cards in India 2025

Credit cards often reward users in multiple ways, and cashback is one of the most popular perks. With a cashback credit card, you earn real money back on your purchases instead of vouchers or bundled offers. In India, these cards come in various categories, each designed to suit different spending habits.

But with so many choices available, finding the right one can feel overwhelming. To make it easier, we’ve curated a list of the top cashback credit cards in India for 2025—helping you compare features and pick the one that matches your lifestyle and maximizes your rewards.

List of Best Cashback Credit Cards in India

A cashback credit card rewards you by returning a percentage of your spending directly to you. Instead of points or coupons, the cashback amount is credited straight to your account, and you can see it reflected on your monthly credit card statement.

To help you make the most of your purchases, here’s our handpicked list of the best cashback credit cards in India for 2025—perfect additions to your wallet for smarter spending.

Name of Cash Back Credit Card	Joining Fee	Annual Fee
Axis ACE Credit Card	Rs. 499	Rs. 499
HDFC Bank MoneyBack Credit Card	Rs. 500 + Taxes	Rs. 500 + Taxes
Amazon Pay ICICI Bank Credit Card	Nil	Nil
Standard Chartered Super Value Titanium	Rs. 750	Rs. 750
HSBC Live+ Credit Card	Rs. 999	Rs. 999
AU Altura Credit Card	Rs. 199 + Taxes	Rs. 199 + Taxes
HDFC Millennia Credit Card	Rs. 1000 + Taxes	Rs. 1000 + Taxes
Citibank Cashback Credit Card	Rs. 500	Rs. 500
Kotak League Platinum Credit Card	Rs. 499	Rs. 499
Airtel Axis Bank Credit Card	Rs. 500	Rs. 500
YES Prosperity Cashback Credit Card	Rs. 999 + Taxes	Rs. 999 + Taxes
Standard Chartered Smart Credit Card	Rs. 499 + GST	Rs. 499 + GST
Swiggy HDFC Bank Credit Card	Rs. 500	Rs. 500
Cashback SBI Card	Rs. 999	Rs. 999
Flipkart Axis Bank Credit Card	Rs. 500	Rs. 500

Axis ACE Credit Card

The Axis Bank ACE Credit Card rewards you with cashback on all your purchases, including popular categories like Swiggy, Zomato, and Ola rides. One of its biggest advantages is that there’s no limit on the cashback you can earn, making it a strong value pick for an annual fee of just ₹499.

Indian residents aged between 18 and 70 years can apply for this card.

Best for: First-time credit card holders who regularly use Google Pay, Swiggy, Zomato, and Ola for their daily transactions.

Joining Fee	Rs. 499; Nil for some channels
Annual Fee	Rs. 499, second year onwards. Will be waived off if you spend more than Rs 2 Lakh in that year.
Other Benefits & Features	Enjoy 4 complimentary visits to domestic airport lounges each year. Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000. Earn 5% cashback on utility bill payments, DTH, and mobile recharges made via Google Pay. Receive 4% cashback on orders from Swiggy and Zomato and rides with Ola. Get 2% cashback on all other eligible purchases. Avail up to 20% savings at more than 4,000 partner restaurants across India.

HDFC Bank MoneyBack Credit Card

The HDFC Bank MoneyBack Credit Card is designed for smart savers, offering instant cashback on every purchase you make. As a welcome perk, you receive 500 cash points upon payment of the joining fee.

To qualify, applicants must have a minimum monthly income of ₹25,000 or an annual income (ITR) of at least ₹6 lakh. Do note, if the card remains inactive for 6 consecutive months, the bank may cancel it after giving prior notice.

Best For: Beginners who frequently shop or make transactions online.

Joining Fee	Rs. 500 + Taxes
Annual Fee	Rs. 500 + Taxes. Waived off if you spend Rs. 50,000 and above in the first year.
Other Benefits & Features	Earn 2 Reward Points for every ₹150 spent (fuel, wallet/prepaid card reloads, and voucher purchases excluded) Earn 4 Reward Points for every ₹150 spent on online purchases Spend ₹50,000 in a quarter and get a ₹500 gift voucher Enjoy gift vouchers worth up to ₹2,000 annually Get a 1% fuel surcharge waiver on fuel transactions

Standard Chartered Super Value Titanium Credit Card

Enjoy a host of benefits with the Super Value Titanium Credit Card, including both cashback and reward points. Apply online and complete your KYC conveniently via video verification.

Eligibility: Applicants aged between 21 and 65 years with a minimum monthly income of ₹55,000 can apply.

Best for: Individuals who frequently use their credit cards for utility bill payments, telephone bills, and everyday purchases.

Joining Fee	Rs. 750
Annual Fee	Rs. 750
Other Benefits & Features	5% reward on fuel purchases at all stations, up to Rs. 200 per month 5% cashback on your telephone bills, for any transaction amount exceeding Rs. 750 5% reward when you pay your utility bills For every Rs. 150 you spend on all other expenses with your credit card, you receive one reward point

Amazon Pay ICICI Bank Credit Card

This credit card is best for Amazon Prime subscribers, and earnings are in the form of an Amazon Pay balance. For all reward points, 1 point equals Re. 1. You can also get no-cost EMI for 3-6 months on Amazon.

Suitable for: Amazon Prime subscribers who shop extensively on the platform.

Joining Fee	Nil
Annual Fee	Nil
Other Benefits & Features	5% cashback on Amazon purchases for Prime members 3% cashback on Amazon purchases for non-Prime members 2% cashback on purchases from Amazon Pay partner merchants 1% cashback on other expenses 1% discount on gasoline fees at all petrol pumps in India

HSBC Live+ Credit Card

Formerly known as the HSBC Cashback Credit Card offers up to 10% cashback on food-related spending. This card offers cashback instead of rewards points, which is helpful if you find the idea of redeeming points too hectic.

Suitable for: Users who spend more frequently on groceries, dining, and food delivery.

Joining Fee	Rs. 999
Annual Fee	Rs. 999. Will be waived off if you spend more than Rs. 2 Lakh every year.
Other Benefits & Features	10% cashback on food spending and 1.5% unlimited cashback on all other spending 10% cashback on all dining, food delivery, and grocery spending (limited to Rs. 1,000 per billing cycle) Cashback is also available through the Instant EMI (Equated Monthly Installment) function on your card at select retailers Receive cashback credited to your account within 45 days of your card’s statement date

HDFC Millennia Credit Card

The HDFC Millenia Credit Card offers zero lost card liability, an interest-free credit period of up to 50 days, and revolving credit at minimum interest. It is a great cashback card to have that also offers contactless payments and smart EMIs.

To be eligible for this card, a salaried individual should have a minimum income of Rs. 35,000 per month. If one is self-employed, their ITR must be minimum of Rs. 6 Lakh per annum. All Indian residents between the ages of 21 and 40 are eligible to apply for this card.

Suitable for: Users who spend a huge part of their money on online apps for food, travel, fitness, and shopping.

Joining Fee	Rs. 1,000 + Taxes
Annual Fee	Rs. 1,000 + Taxes. Will be waived off if you spend more than Rs. 1 Lakh in a year.
Other Benefits & Features	5% cashback at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato 1% reward on all other spends (excluding fuel), including EMI and wallet transactions Receive Rs. 1000 gift certificates for spending Rs.  1,00,000 or more in each calendar quarter Up to 20% discount on partner restaurants through Swiggy Dineout

AU Altura Credit Card

AU Bank Altura Credit Card
The AU Bank Altura Credit Card is an excellent choice for mid-income earners seeking cashback rewards, railway lounge access, and complimentary lost card liability coverage. It also includes free insurance benefits and extended warranty protection on electronic purchases.

Eligibility: Available to resident Indian citizens aged between 21 and 60 years.

Ideal for: First-time credit card users who plan to use their card for groceries and utility bill payments.

Joining Fee	Rs. 199 + Taxes
Annual Fee	Rs. 199 + Taxes. Will be waived off if you spend Rs. 10,000 within 90 days of card issue for the first year. From the second year onwards, the fee will be waived if you spend Rs. 40,000 in retail in the previous year.
Other Benefits & Features	2% cashback on all retail purchases made at grocery stores, department stores, and utility bill payment centers 1% cashback on all other retail purchases 2 complimentary railway lounge visits each quarter 1% Fuel Surcharge Waiver for fuel transactions between Rs. 400 and Rs. 5,000 at all petrol stations in the country

Citibank Cashback Credit Card

The Citi Bank Cashback Credit Card provides cashback benefits on movie tickets and utility bill payments, along with rebates on your monthly spends. Cashback can be redeemed in multiples of ₹500, making it easy to enjoy your rewards.

Ideal for: Individuals looking for an affordable credit card with simple, everyday cashback benefits.

Joining Fee	Rs. 500
Annual Fee	Rs. 500
Other Benefits & Features	5% cash back on cinema ticket purchases 5% rebate on phone bill payments 5% cash back on utility bill payments All other purchases will get 0.5% cashback 5% return on a monthly spend of Rs. 4000, up to Rs. 100 per category

YES Prosperity Cashback Credit Card

The YES Bank Prosperity Cashback Credit Card comes with features like instant EMI, EMI on call, and quick loan options. It also offers cashback rewards, refunds, and fuel surcharge waivers for added savings.

Ideal for: Users who frequently make everyday purchases such as movie tickets and groceries.

Joining Fee	Rs. 999 + Taxes
Annual Fee	Rs. 999 + Taxes
Other Benefits & Features	Welcome cashback of Rs. 250 on spends of Rs. 2,500 in the first 30 days of card setup Earn up to 5% cashback on cinema ticket bookings and grocery purchasing Foreign Currency Markup of 3.40% only 0.75% refund on all purchases except fuel Fuel surcharge waiver of 1% for transactions between Rs. 400 and Rs. 5,000

Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card stands out for offering cashback on utility bill payments — a category often excluded by most cards. When bills are paid through the Airtel Thanks app, you earn cashback, making it a valuable choice for Airtel customers.

Ideal for: Airtel users who regularly pay their utility bills via the Airtel Thanks app.

Joining Fee	Rs. 500
Annual Fee	Rs. 500 will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	Amazon e-voucher of Rs. 500 as a welcome benefit, if you make any transaction within 30 days of card activation 25% cashback on bill payments of Airtel Mobile, Broadband, WiFi, and DTH via the Airtel Thanks app 10% cashback on Zomato, Swiggy, and BigBasket 10% cashback on utility bills paid for electricity, gas, etc. via the Airtel Thanks app 1% cashback on other spends 4 complimentary domestic lounge visits to select airport lounges per calendar year, if you spend a minimum of Rs. 50,000 in the previous 3 months

Swiggy HDFC Bank Credit Card

This co-branded credit card comes with a complimentary 3-month Swiggy One membership as a welcome benefit.

Eligibility:

• Salaried: Age 21–60 years with a minimum monthly income of ₹15,000.

• Self-employed: Age 21–65 years with an annual ITR above ₹6 lakh.

Ideal for: Individuals who regularly use Swiggy for food orders, grocery shopping, or dining at partner restaurants.

Joining Fee	Rs. 500
Annual Fee	Rs. 500 will be waived off if you spend Rs. 2 Lakh or more in the previous year.
Other Benefits & Features	10% cashback on Swiggy (Food ordering, Instamart, Dineout & Genie) 5% cashback on online spending across online MCCs 1% cashback on other categories Complimentary Swiggy One membership for 3 months as a welcome benefit Golf benefits

How to Choose the Best Cashback Credit Card in India?

There’s no universal “best” cashback credit card — the right choice depends on your spending patterns. Here’s how to pick one that suits you:

1. Online Shopping

If you shop frequently on specific platforms, choose cards like the Amazon Pay ICICI Credit Card, which offers 5% cashback on Amazon purchases.

2. Specific Categories

For higher spending on groceries, dining, or travel, look for cards that give extra cashback in those categories.

3. All-Round Spending

If your expenses span multiple categories, a card like the Axis Bank Ace Credit Card (1.5% cashback on all spends) can be a smart choice.

Other factors to consider:

• Annual Fees: Higher cashback often comes with an annual fee — ensure your earnings outweigh the cost.

• Welcome Bonus: Many cards offer attractive sign-up bonuses; include this in your comparison.

• Rewards Redemption: Check how easily you can claim your cashback — some offer statement credit, while others provide points redeemable with partners.

Conclusion

Selecting the right cashback credit card in India comes down to knowing your spending patterns. Focus on cards that reward the categories you spend most on, and balance the annual fee against the potential cashback you can earn. Keep in mind, a high cashback rate isn’t always worth it if the fees outweigh the benefits. Make an informed choice to get the most value and maximize your savings.