Cashback cards are one of the simplest ways to earn value on everyday spending like shopping, food delivery, travel bookings, groceries, and bill payments. Whether you want the best cashback credit card 2025, the top cards for online shopping, or the best card for dining cashback — this guide compares the top cashback cards in India with their benefits, cashback rates, and eligibility.
⭐ Why Cashback Credit Cards Are Popular in India
Cashback cards are ideal for users who want:
- Cash back on bills, groceries, fuel, dining, and online shopping
- Simple and transparent rewards
- Fuel surcharge waiver cards for daily commuters
- Savings on Swiggy, Zomato, PhonePe, Amazon & Flipkart
- Zero or low annual fees
Let’s explore the 10 best cashback credit cards in India worth considering in 2025.
1. Amazon Pay ICICI Credit Card (Lifetime Free)
A favourite among shoppers, especially those who want Amazon Pay ICICI benefits and seamless rewards.
Key Cashback Benefits
- 5% cashback for Prime users
- 3% cashback for non-Prime
- 1% cashback on offline and partner merchants
- Fuel surcharge waiver (1%)
Why It’s One of the Top Cashback Cards India
- Lifetime free
- Rewards credited directly to Amazon Pay
- Great for online shopping on Amazon
- Ideal for Amazon shoppers and beginners.
2. HDFC Millennia Credit Card
Known for its excellent HDFC Millennia cashback program across e-commerce platforms.
Benefits
- 5% cashback via SmartBuy on Amazon, Flipkart, travel
- 2.5% cashback on online spends
- 1% cashback offline
- Fuel surcharge waiver
Why It Stands Out
Perfect for users who shop across platforms instead of just one.
3. SBI Cashback Credit Card
A simple and powerful card for universal online spending. If you’re searching for an SBI Cashback Card review, here it is:
Cashback Features
- 5% cashback on all online spending
- 1% cashback offline
- Fuel surcharge waiver
Why Indians Prefer It
- No merchant restrictions
- Great for buying vouchers, paying bills, groceries
- Excellent for users who want high cashback cards with no complications.
4. Axis Bank Flipkart Credit Card
A card built around e-commerce, fashion, food delivery and lifestyle spending.
Axis Flipkart Card Benefits
- 7.5% cashback on Myntra
- 4% cashback on preferred merchants
- Swiggy: 50% off up to ₹100
- MakeMyTrip Wednesday deals
Best For
Flipkart, Myntra and Swiggy users looking for strong lifestyle savings.
5. YES Bank PaisaSave Credit Card
A balanced cashback card that suits both online and offline spenders.
Rewards
- 3% cashback on online purchases
- 1.5% cashback on offline purchases
- Fuel surcharge waiver
Why It Works
Perfect for users with mixed spending patterns.
6. HDFC Swiggy Credit Card
A must-have credit card for Swiggy lovers who order food regularly.
Cashback Highlights
- 10% cashback on Swiggy orders + Dineout
- 5% cashback on online spending
- 50-day interest-free period
- Golf and lifestyle privileges
Why Foodies Love It
No other card gives this level of cashback on food delivery and dining.
7. HSBC Live+ Credit Card
Best for families who spend more on groceries, dining and food delivery.
Benefits
- 10% cashback on groceries, dining & food delivery
- 1.5% cashback on movies and select categories
- Domestic lounge access
Great for monthly household expenses.
8. SBI PhonePe Credit Card
A top pick for users who rely heavily on the PhonePe ecosystem.
PhonePe SBI Card Rewards
- 10 reward points per ₹100 spent on PhonePe
- Complimentary lounge access
- Travel vouchers worth ₹5,000
- Fuel surcharge waiver
Ideal for bill payments and online transactions through PhonePe.
9. Axis Bank Airtel Credit Card
One of the strongest cards for telecom users looking for Airtel Axis card cashback.
Features
- Up to 25% cashback on Airtel mobile, broadband & Wi-Fi
- Discounts on OTT subscriptions
- Lounge access
- Amazon voucher welcome benefit
Best suited for Airtel postpaid, broadband & DTH customers.
10. Tata Neu Infinity Credit Card
A versatile option offering attractive Tata Neu rewards, especially across Tata brands.
Cashback Benefits
- 5% back in NeuCoins on Tata brands (BigBasket, Croma, Air India, etc.)
- 1.5% NeuCoins on all other spends
- UPI cashback (via Rupay variant)
- Airport lounge access
Perfect for shoppers who spend frequently on the Tata Neu app.
🧭 How to Choose the Best Cashback Credit Card (2025 Guide)
Before picking a card, ask yourself:
- Where do I spend the most?
- Amazon → Amazon Pay ICICI
- Food Delivery → HDFC Swiggy
- General online shopping → SBI Cashback Card
- Flipkart + Myntra → Axis Flipkart
- Tata brands → Tata Neu Infinity
Do I pay bills regularly?
- If yes, go for: SBI Cashback, SBI PhonePe Card, Axis Bank Airtel, Amazon Pay ICICI (for Amazon utility bills)
Do I want fuel surcharge waiver cards?
Most cards in this list provide it, but top performers include: Amazon Pay ICICI, SBI Cashback Card, HDFC Millennia.
🎯 Conclusion: The Best Cashback Credit Card in India Depends on Your Spending Style
There is no single “best cashback credit card 2025” for everyone. Your ideal card depends entirely on whether you spend more on food delivery, online shopping, fuel, travel, or household bills.
But one thing is clear: choosing the right cashback card can help you save thousands every year without changing your lifestyle.