1. SBI Cashback Credit Card
Best For: Online Shopping
Annual Fee: ₹999 (waived on ₹2 lakh annual spend)
Key Benefits:
5% cashback on all online spends (no merchant restrictions)
1% cashback on offline spends
1% fuel surcharge waiver at all petrol pumps in India
Monthly Cashback Cap: ₹5,000
Why Choose: Ideal for avid online shoppers seeking high cashback across platforms. cardreview.incardinsider.com+4investopedia.co.in+4forbes.com+4airtel.in+7forbes.com+7paisabazaar.com+7cardexpert.in+1cardinsider.com+1blacktether.com+1paisabazaar.com+1
🥈 2. Axis Bank ACE Credit Card
Best For: Bill Payments and Food Delivery
Annual Fee: ₹499 (waived on ₹2 lakh annual spend)
Key Benefits:
5% cashback on bill payments and recharges via Google Pay
4% cashback on Swiggy, Zomato, and Ola
1.5% cashback on all other spends
4 complimentary domestic airport lounge visits per year
Why Choose: Great for users who frequently pay bills online and use food delivery services. investopedia.co.in+3cardreview.in+3cardinsider.com+3cardreview.in+4cardinsider.com+4paisabazaar.com+4
🥉 3. Amazon Pay ICICI Credit Card
Best For: Amazon Shoppers
Annual Fee: None
Key Benefits:
5% cashback on Amazon for Prime members
3% cashback on Amazon for non-Prime members
2% cashback on 100+ partner merchants
1% cashback on all other transactions
Why Choose: Lifetime free card offering significant benefits for Amazon users. cardmaven.in+2investopedia.co.in+2cardreview.in+2forbes.com+6cardreview.in+6blacktether.com+6forbes.com+6paisabazaar.com+6cardreview.in+6
4. HDFC Millennia Credit Card
Best For: Shopping on Popular Brands
Annual Fee: ₹1,000 (waived on ₹1 lakh annual spend)
Key Benefits:
5% cashback on Amazon, Flipkart, Swiggy, Zomato, and more
1% cashback on all other spends
Cashback earned as Cash Points
₹1,000 worth gift voucher or 1 domestic lounge access on spending ₹1 lakh and above in each calendar quarter
Why Choose: Suitable for users who shop across multiple popular platforms. money4india.comcardexpert.in+4forbes.com+4investopedia.co.in+4thebusinessrule.com+10paisabazaar.com+10cardinsider.com+10
5. Flipkart Axis Bank Credit Card
Best For: Flipkart Enthusiasts
Annual Fee: ₹500 + taxes
Key Benefits:
5% cashback on Flipkart
4% cashback on partner brands like Cleartrip, PVR, and Swiggy
1.5% cashback on all other spends
4 complimentary domestic airport lounge visits each year
Why Choose: Tailored for frequent Flipkart shoppers with added travel perks. cardmaven.in+7investopedia.co.in+7paisabazaar.com+7investopedia.co.in+3forbes.com+3paisabazaar.com+3investopedia.co.in+2cardinsider.com+2paisabazaar.com+2
6. Airtel Axis Bank Credit Card
Best For: Airtel and Utility Bill Payments
Annual Fee: ₹500 + taxes (waived on ₹2 lakh annual spend)
Key Benefits:
25% cashback on Airtel Mobile, DTH, and broadband bill payments via Airtel Thanks app
10% cashback on utility bill payments through the same app
10% cashback on partner merchants including Swiggy, Zomato, and BigBasket
Amazon e-voucher as a welcome benefit
Why Choose: Optimal for Airtel users looking to maximize savings on utility bills. sikhindia.in+8cardinsider.com+8cardmaven.in+8cardreview.in+3investopedia.co.in+3forbes.com+3
7. Swiggy HDFC Bank Credit Card
Best For: Food Delivery and Dining
Annual Fee: ₹500 (waived on ₹2 lakh annual spend)
Key Benefits:
10% cashback on Swiggy app purchases
5% cashback on partner brands
1% cashback on other purchases
Complimentary Swiggy One membership
Why Choose: Perfect for regular Swiggy users seeking dining and grocery savings. forbes.com+4cardinsider.com+4paisabazaar.com+4paisabazaar.com+2investopedia.co.in+2cardinsider.com+2
8. HSBC Live+ Credit Card
Best For: Everyday Expenses
Annual Fee: ₹999 (waived on ₹2 lakh annual spend)
Key Benefits:
10% cashback on groceries, dining, and food delivery
1.5% unlimited cashback on all other spends
Complimentary lounge visits
Why Choose: A versatile card offering substantial cashback on daily expenditures. cardexpert.in+8investopedia.co.in+8cardinsider.com+8cardmaven.in+2cardinsider.com+2select.finology.in+2
9. YES Bank Paisabazaar PaisaSave Credit Card
Best For: General Online Shopping
Annual Fee: ₹499 (waived on ₹1.2 lakh annual spend)
Key Benefits:
3% cashback on all online spends
1.5% cashback on other card transactions
1% fuel surcharge waiver across all petrol pumps in India
₹1,000 cashback on making ₹20,000 worth of spends within the first 30 days of card issuance
Why Choose: Suitable for online shoppers seeking cashback without merchant restrictions. airtel.in+4paisabazaar.com+4forbes.com+4
10. Standard Chartered Super Value Titanium Credit Card
Best For: Fuel and Utility Payments
Annual Fee: ₹750
Key Benefits:
5% cashback on fuel spends, telephone bills, and utility payments
Fuel surcharge waiver
Cashback credited directly
Why Choose: Ideal for users with recurring expenses on fuel and utilities
Here are some FAQs (Frequently Asked Questions) related to the Top 10 Cashback Credit Cards in India:
❓ 1. What is a cashback credit card?
A cashback credit card gives you a percentage of your spending back as cash reward, which is usually credited to your account or adjusted in the bill.
❓ 2. How is cashback different from reward points?
Cashback: Directly reduces your bill or adds to your card balance.
Reward Points: Can be redeemed for gifts, vouchers, or travel – not always equivalent to cash.
❓ 3. Which is the best cashback credit card for online shopping?
The SBI Cashback Credit Card is among the best for general online shopping (5% cashback on all online purchases).
❓ 4. Are cashback credit cards free?
Some are lifetime free (e.g., Amazon Pay ICICI Card), while others have annual fees (₹499 to ₹1000) – often waived on minimum annual spends.
❓ 5. Is there a limit on cashback I can earn?
Yes, many cards have monthly or annual cashback caps. For example:
SBI Cashback Card: ₹5,000/month cap.
Axis ACE: No cap, but cashback depends on spend category.
❓ 6. Do I get cashback on fuel or utility payments?
Some cards like Standard Chartered Super Value Titanium give 5% cashback on fuel and utility.
Others may exclude fuel and utilities from cashback eligibility.
❓ 7. How is cashback credited to my account?
Cashback is either:
Automatically credited to your next billing cycle,
Or available as cash points which you can redeem.
❓ 8. Can I have more than one cashback card?
Yes, you can hold multiple credit cards and use them strategically for different categories (e.g., Swiggy HDFC for food, Amazon ICICI for online shopping).
❓ 9. What happens if I return a purchase?
The cashback earned on returned items is usually reversed in your next billing cycle.
❓ 10. How to choose the right cashback card for me?
Consider:
Where you spend most (e.g., Amazon, Flipkart, food, fuel).
Cashback percentage and cap.
Annual fee and waiver conditions.
Other benefits (airport lounge, insurance, etc.).
Discover the top 10 cashback credit cards in India for 2025, perfect for online shopping, food delivery, bill payments, and fuel expenses. Whether you’re a frequent Amazon or Flipkart shopper, a Swiggy user, or someone looking to save on utility bills, these credit cards offer high cashback, low annual fees, and exclusive perks like airport lounge access and welcome vouchers. Cards like SBI Cashback, Axis ACE, Amazon Pay ICICI, and HDFC Millennia provide up to 5% cashback on everyday expenses with monthly or annual savings benefits. This guide compares eligibility, cashback limits, annual fees, spending categories, and other features to help you choose the best cashback card tailored to your lifestyle. Whether you’re a student, salaried professional, or self-employed, this list includes cards for all user types. Make smarter financial decisions and maximize your savings with the right cashback credit card in India. Start saving more on every swipe with the best cashback credit cards of 2025!