Cashback credit cards offer direct savings on every rupee you spend, making them one of the most user-friendly financial tools. Whether you’re shopping online, dining out, or paying bills, these cards provide tangible rewards that help reduce your annual expenses.
Top 5 Cashback Credit Cards in India 2025
- Why #1?
- 5% cashback on all online spends (excluding wallets, rent, and fuel).
- Offers cashback across most categories and a high monthly cap of ₹5,000, making it great for moderate-to-high online spenders.
- Key Details:
- Annual Fee: ₹999 + 18% GST.
- Cap: ₹5,000/month.
- Best For: Online shoppers with high spending patterns.
2. Flipkart Axis Bank Credit Card
- Why #2?
- 5% cashback on Flipkart and Cleartrip, 4% on Swiggy, Uber, and PVR, and 1% on all other spends.
- Unlimited cashback, making it perfect for versatile spenders who shop online, dine out, and travel.
- Key Details:
- Annual Fee: ₹500 +18% GST (waived on ₹2,00,000 annual spends).
- Cap: No cap on cashback.
- Best For: Flipkart loyalists and users who value versatility.
3. Amazon Pay ICICI Credit Card
- Why #3?
- Unlimited cashback with 5% on Amazon (Prime), 3% (Non-Prime), and 1% elsewhere.
- No annual fee, making it a great value for Amazon shoppers.
- Key Details:
- Annual Fee: ₹0.
- Cap: No cap on cashback.
- Best For: Frequent Amazon users looking for a simple, no-fee option.
- Why #4?
- 1.5% unlimited cashback on all online spends and 1% offline.
- 10% cashback on groceries like Blinkit and Zepto, capped at ₹1,000/month (₹12,000 annually).
- Key Details:
- Annual Fee: ₹999 + 18% GST (waived on ₹1,00,000 annual spends).
- Cap: ₹1,000/month for grocery cashback.
- Best For: High spenders looking for simple, flat-rate cashback across categories.
- Why #5?
- 10% cashback on Swiggy (₹1,500/month cap) and 5% on all online spends (₹1,000/month cap).
- A good choice for users who spend moderately on food delivery, dining, and general online purchases.
- Key Details:
- Annual Fee: ₹500 +18% GST (waived on ₹2,00,000 annual spends).
- Cap: ₹1,500/month for Swiggy; ₹1,000/month for online spends.
- Best For: Food delivery enthusiasts and moderate online shoppers.
Comparison Table
| Rank | Card Name | Annual Fee | Cashback Rates | Cap | Best For |
| 1 | SBI Cashback Credit Card | ₹999 | 5% on all online spends, 1% offline | ₹5,000/month | High online spenders |
| 2 | Flipkart Axis Bank Credit Card | ₹500 | 5% on Flipkart/Cleartrip, 4% on Swiggy/Uber, 1% elsewhere | No cap | Versatile spenders |
| 3 | Amazon Pay ICICI Credit Card | ₹0 | 5% on Amazon (Prime), 3% (Non-Prime), 1% elsewhere | No cap | Amazon loyalists |
| 4 | HSBC Live+ Cashback Card | ₹999 | 1.5% unlimited online, 1% offline, 10% grocery | ₹1,000/month for grocery | High general spenders |
| 5 | HDFC Swiggy Credit Card | ₹500 | 10% on Swiggy, 5% online, 5% dining/entertainment | ₹1,500/month (Swiggy) | Food delivery enthusiasts |
