Best Credit Card in India for Cashback – 2025 Picks
Choosing the best credit card in India for cashback can help you save thousands of rupees every year. Whether you’re shopping online, booking travel, or paying utility bills, cashback credit cards offer amazing value and rewards. In this guide, we list the top cashback credit cards in India for 2025, their features, fees, and how to apply online.
Why Choose a Cashback Credit Card?
- Earn direct cashback on everyday spending
- Automatic statement credit or wallet cashback
- Special offers on e-commerce, dining, and fuel
- Complimentary perks like lounge access and discounts
Top 5 Cashback Credit Cards in India (2025)
- HDFC Millennia Credit Card
✔ 5% cashback on Amazon, Flipkart, BookMyShow
✔ 1% cashback on all other spends
✔ Annual Fee: ₹1,000 (reversed on ₹1L spend) - Axis Bank ACE Credit Card
✔ 5% cashback on Google Pay bill payments
✔ 4% on Swiggy, Zomato, Ola
✔ Annual Fee: ₹499 - Amazon Pay ICICI Credit Card
✔ 5% cashback for Prime users
✔ 1-2% on all other transactions
✔ Lifetime Free Card - SBI Cashback Card
✔ 5% on all online transactions
✔ 1% elsewhere
✔ Annual Fee: ₹999 - Flipkart Axis Bank Credit Card
✔ 5% cashback on Flipkart & Myntra
✔ 1.5% on all other spends
✔ Annual Fee: ₹500
How to Apply Online for a Cashback Credit Card
- Choose a credit card that matches your spending style
- Visit the official website of the issuing bank or a trusted comparison portal
- Fill in your details (PAN, income, contact info)
- Submit your KYC documents digitally (Aadhaar, PAN, income proof)
- Get approval in minutes or within 24-48 hours
Things to Consider Before Choosing a Cashback Card
- Spending Categories: Choose a card that offers cashback where you spend the most (online shopping, food delivery, bills, etc.)
- Fees vs. Benefits: Make sure the cashback you earn is higher than the annual fee
- Eligibility: Salaried professionals and self-employed individuals need to meet minimum income criteria
- Hidden Charges: Always read the fine print on interest rates, late fees, and foreign transaction charges
Conclusion
Finding the best credit card in India for cashback depends on your spending habits and lifestyle. Whether you’re a frequent online shopper or someone who loves to dine out, there’s a cashback card for everyone in 2025. Always compare benefits, fees, and offers before applying, and use your card responsibly to make the most of your savings.