Multiple banks’ credit cards offer higher rewards and cashback on selected categories and brands, along with a basic cashback on other categories, which is visible in the credit card statement. Checkout the list of “Top 5 Best Cashback Credit Cards in India 2025”.
Cashback credit cards are the perfect choice for those users who love to save money on daily expenses. Where people love to earn exciting cashbacks, cashback credit cards have emerged as one of the most rewarding financial tools for savvy shoppers to maximize their savings with everyday spending. From daily coffee runs to monthly OTT subscriptions, best cashback credit card turns expenses into rewards. You will get a small percentage of your spending back in the form of direct cash credit into your upcoming credit card statement or a linked wallet. Every swipe at online retailers, utility bill payment, car fueling, and restaurant bill becomes an opportunity to earn money back.
Best Cashback Credit Card in India for 2025
There are so many cashback credit card options available online such as best cashback credit cards, lifetime free credit cards, best shopping cashback credit card; how do you choose the best cashback credit card that aligns with your spending habits? So, GoPaisa comes with a list of the “Top 5 Best Cashback Credit Cards in India” to help you determine the best card according to your day-to-day expenses.
List of India’s Top 5 Best Cashback Credit Cards to Have in Your Wallet:
| Cashback Credit Card Name | Joining Fee | Annual Fee | Best Suited For | Cashback Capping | Cashback |
|---|---|---|---|---|---|
| SBI Cashback Credit Card | Rs. 999/- | Rs. 999/- | Online shopping | ₹5,000/ statement cycle | 5% online, 1% others (excl. fuel, rent, etc.) |
| HDFC Swiggy Cashback Credit Card | Rs. 500/- | Rs. 500/- | Food delivery | ₹1,500/ month (Swiggy), ₹1,500 (online) | 10% Swiggy, 5% online, 1% others |
| Airtel Axis Bank Credit Card | Rs. 500/- | Rs. 500/- | Airtel + bills | ₹250 Airtel, ₹300 utility/month | 25% Airtel (active only), 10% utilities, 1% others |
| Flipkart Axis Bank Credit Card | Rs. 500/- | Rs. 500/- | Flipkart Users | No Capping | 5% Flipkart, 4% Swiggy/PVR/Uber, 1% others |
| HDFC Bank Millennia Credit Card | Rs. 1000/- | Rs. 1000/- | Shopping | ₹1,000/month | 5% SmartBuy (Flipkart/Amazon), 1% others (CashPoints) |
SBI Cashback Credit Card:
If you are a frequent online shopper, SBI cashback credit card is one of the best options for you to earn unlimited rewards. This “CASHBACK SBI Card” is designed for smart shoppers. It provides 5% cashback on online purchases across popular online shopping sites such as Flipkart, Amazon, and Myntra. SBI doesn’t have any merchant restrictions; you can get maximum rewards on all online spending, which makes it the best cashback credit card for online shopping. But there is no cashback rewards for categories like education, fuel, jewelry, rent, utilities, etc.
Key Features of the Cashback SBI Card:
- 5% Cashback: On online purchases without any merchant restrictions (capped at ₹5,000 per month)
- 1% Cashback: On in-store purchases
- Joining Fee: One-time joining fee – Rs. 999 + Taxes (sometimes waived off during promotions)
- Annual Fee: Rs. 999 from the second year onwards (Renewal Fee will be waived off if annual spending exceeded Rs. 200,000 in the last year)
- Fuel Surcharge Waiver: 1% Fuel Surcharge Waiver across all petrol pumps in India (Valid for fuel transactions between Rs. 500 – 3000; maximum surcharge waiver is INR 100 per statement cycle)
SBI Cashback Credit Card Best For:
- Frequent online shoppers
- Food delivery app users (Swiggy, Zomato)
- Utility bill payments
Other Benefits of SBI Cashback Credit Card:
- Balance Transfer on EMI: SBI cashback credit card allows you to convert other banks’ credit card dues into easy EMIs with cashback.
- Save on Credit Card Bills: Transfer outstanding balances from other credit cards and reduce interest burden.
- Global ATM Access: Withdraw cash at 1 million+ VISA ATMs worldwide.
- Easy Bill Payments: Pay all utility bills seamlessly using Easy Bill Pay.
- Annual Fee Waiver: Spend ₹2 lakh per year to get the renewal fee waived.
If you are an avid online shopper, don’t miss out GoPaisa SBI cashback credit card application offer to earn up to Rs. 1400 in cashback rewards.
Apply for SBI Bank Cashback Credit Card
HDFC Swiggy Cashback Credit Card
Are you a Swiggy lover who uses Swiggy as a go-to application to eat something delicious, whether it’s for your late-night cravings or grocery runs? Well, the Swiggy HDFC Bank Credit Card can be the perfect companion for you to save more while ordering food online.
With this cashback credit card, you can get mouthwatering rewards of 10% cashback on all Swiggy purchases, including food delivery, Instamart orders, dine-out reservations, and Genie services. Apart from Swiggy, you will get 5% cashback on online spending and 1% cashback on offline spending, making it a great all-rounder for foodies and shoppers alike on grocery and dining apps.
As a welcome bonus, you have a chance to avail a complimentary 3-month Swiggy One membership, 12 free golf accesses, and an instant discount of 12% on Agoda hotels worldwide. Whether you are ordering from Swiggy Instamart, craving your favorite meals, or planning a dinner date for your next getaway, this HDFC Swiggy Cashback Credit Card ensures you get the most out of every spend.
Key Features of HDFC Swiggy Cashback Credit Card:
- Cashback Rate: 1% to 10%:
- 10% Cashback on Swiggy orders (including food delivery, Instamart, and dineout; up to Rs 1500 cashback/month)
- 5% cashback on other online spending (excluding rent and wallet reloads)
- 1% cashback on offline transactions
- Joining Fee: Rs. 499 + GST
- Welcome Benefit: Swiggy One Membership (3 months)
- Renewal Fee/Annual Fee: Rs. 499 +GST (waived if annual spending exceeds ₹2 lakh)
HDFC Swiggy Cashback Credit Card Best For:
- Swiggy & Instamart users
- Online shoppers
- Dining out via Dineout
Other Benefits of HDFC Swiggy Cashback Credit Card:
- Interest-free Period: Enjoy up to 50-days interest-free period on your Swiggy HDFC Bank Credit Card purchases
- Zero Lost Card Liability: If you lose your Swiggy HDFC Credit Card. Report it immediately to the 24/7 helpline – you won’t be liable for any unauthorized transactions. Zero fraud liability protection keeps your money safe.
- Free Golf Lessons: Free 12 golf lessons per year in India.
- Instant Discount on Agoda: Avail up to 12% instant discount on hotel bookings on Agoda across the world.
Why just spend on eating when you can earn at the same time? Overall, this HDFC Swiggy Cashback Credit Card is not only a great choice for co-branded benefits on Swiggy but also stands as a powerful opponent to other shopping credit cards like Flipkart Axis and Amazon Pay ICICI. Apply for HDFC Swiggy Cashback credit card with GoPaisa to unlock Rs. 1000 Swiggy Coupon and get Rs. 1100 GP Rewards.
Apply for HDFC Swiggy Cashback Credit Card
Airtel Axis Bank Credit Card
Since most credit cards don’t offer any reward or cashback on utility bills, Airtel Axis Credit Card can be the best choice to save in this category. Specifically, if you are a privileged user of Airtel who frequently orders from Swiggy, BigBasket, or Zomato, go for the Airtel Axis Bank Credit Card. This is not like other credit cards; it is your ticket to convert spending into bigger rewards or earnings. Every time you use the Airtel Axis Credit Card for bill payments, mobile recharge, ordering groceries, dining out, and travel, you can earn up to 25% cashback. Additionally, you will get 1% cashback on all other spending.
Key Features of Airtel Axis Bank Credit Card:
- Cashback Rates: 1% to 25%
- 25% Cashback: Get 25% cashback on Airtel mobile, broadband, Wi-Fi, and DTH bill payments completed on the Airtel portal or Airtel Thanks App.
- 10% Cashback: A decent 10% cashback on all utility bill payments, such as gas, electricity, etc.
- 10% Cashback: Spend money on some food delivery or groceries app and get 10% cashback (Swiggy, Zomato, & BigBasket)
- 1% Cashback: On all other online or offline purchases
- Joining Fee: 500 INR + taxes
- Annual Renewal Fee: 500 INR + taxes
- Fuel Surcharge Waiver: Save on fuel! Get a 1% surcharge waiver at petrol pumps across all of India. It applies to transactions of Rs. 400-4000 fuel spending (Max savings up to 500 INR per billing cycle)
Airtel Axis Bank Credit Card Best For:
- Airtel customers (mobile, broadband, DTH)
- Utility bill payments (electricity, gas, water)
- Swiggy, Zomato & BigBasket users
Other Benefits of Airtel Axis Credit Card:
- Welcome Benefit: Get a ₹500 Amazon voucher on your first spend within 30 days of card issuance.
- Dining Benefits: Dine & Save! Grab a 20% discount at over 4,000+ EazyDiner partner restaurants in India.
- Complimentary Lounge Access: Avail 4 complimentary domestic airport lounge access/year at selected airports with your Airtel Axis Card after spending 50K in 3 months.
Let’s make every rupee you spend work harder for you. Apply for an Airtel Axis Bank Card now with Gopaisa and earn Rs. 1500 GP Rewards.
Apply for Airtel Axis Bank Credit Card
Flipkart Axis Bank Credit Card
Another co-branded shopping credit card that is most welcomed by the avid shoppers. It helps you earn cashback on everything, everywhere. Whether you’re shopping online or offline, the Flipkart Axis Bank Credit Card lets you earn cashback on all your purchases with unlimited 5% cashback on Flipkart, 4% cashback for spends on Swiggy, Uber, PVR, Curefit, Cleartrip, Tata Sky, Tata 1MG, and 1.5% cashback on all other merchants; you’ll be saving money in no time. This card comes with a nominal joining and annual fee of ₹500; in exchange, it offers welcome benefits vouchers.
Key Features of Flipkart Axis Bank Credit Card:
- Cashback Rate: 1.5% to 5%
- 5% Cashback: Unlimited 5% cashback on your spending at Flipkart and Cleartrip
- 4% Cashback: Unlimited 4% cashback on preferred merchants (Swiggy, Zomato, Uber, etc.)
- 1.5% Cashback: Unlimited 1.5% cashback on Myntra and all other online and offline spending.
- Joining fee: ₹500 (sometimes free on Flipkart app)
- Annual fee: ₹500 (waived if annual spending exceeds ₹2 lakh)
- Fuel Surcharge Waiver: 1% fuel surcharge waiver on spends of ₹400-4,000 fuel spends (max ₹400/month savings).
Flipkart Axis Credit Card Best For:
- Flipkart & Myntra shoppers
- Online transactions (Uber, Swiggy, etc.)
- Offline shopping
Other Benefits of Flipkart Axis Credit Card:
- Welcome Bonus: Avail a Flipkart voucher worth Rs. 500 on the first transaction of Flipkart Axis Credit Card within 30 days of card issuance.
- Swiggy Discount: Enjoy a 50% discount of up to ₹100 on your first order on Swiggy using promo code ‘AXISFKNEW’.
- Lounge Access: Get 4 complimentary domestic lounge accesses every year.
- EMI Benefit: Convert Flipkart purchases >₹1,500 to easy EMIs—just call your bank, or you can do it via the Axis Bank application.
- Wednesday Delight: Wednesday Treats! Beat midweek blues with exclusive offers every Wednesday – get 15% off flights/hotels (Goibibo/MakeMyTrip), 10% off Swiggy/Amazon Fresh orders, and 10% off (max ₹1,000) at Tira.
The partner merchant for this Axis credit card is Flipkart – one of the most popular shopping e-commerce sites in their category, making this card more practical for users. Apply with GoPaisa for Flipkart Axis Bank Credit Card to earn some extra GP rewards of Rs. 1500.
Apply for Flipkart Axis Bank Credit Card
HDFC Bank Millennia Credit Card
HDFC Millennia credit card doesn’t feel rewarding at first, but if you are an avid online shopper, it can be a perfect choice for you. The SmartBuy platform makes it more convenient for you.
The HDFC Bank Millennia Credit Card is perfect for both millennials and Gen Z, offering 5% cashback on all your major platforms, including Amazon, Zomato, Uber, and BookMyShow! Even better? You will receive 1% unlimited cashback on everything else. And with just ₹1,000 in fees (waived if you spend ₹100,000 annually), your wallet gets cashback every time you spend!
Key Features of HDFC Bank Millennia Credit Card:
- Cashback Rates: 1% to 5%
- 5% Cashback: It delivers 5% cashback on major platforms like Amazon, BookMyShow, and Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
- 1% cashback: Avail 1% unlimited cashback on all other online and offline spending, including EMI & wallet transactions, except fuel
- Joining fee: ₹1,000 (often waived)
- Annual fee: ₹1,000 (waived if annual spending exceeds ₹1 lakh)
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver at all petrol pumps in India on spends between ₹400 to ₹5,000 (max ₹250 savings per billing cycle).
HDFC Millennia Credit Card Best For:
- Online shoppers on major e-commerce platforms (Amazon, Flipkart, Swiggy, etc.)
- Movie & travel bookings (BookMyShow, Uber)
- Utility bill payments
Other Benefits of HDFC Bank Millennia Credit Card:
- Zero Lost Card Liability: Immediately report lost cards to our 24/7 helpline for complete protection against unauthorized transactions. You have zero liability for any fraudulent transactions made on your HDFC Bank Millennia Credit Card.
- Interest-Free Credit Period: Enjoy 50 days interest-free credit period from the purchase date until the payment due date (subject to merchant settlement).
- Exclusive Dining Privileges: Avail up to 20% discount on partner restaurants using Swiggy Dineout. Additionally, enjoy dining benefits with the Good Food Trail program.
- Revolving Credit: HDFC Millennia Credit Card provides an evolving credit facility at just 3.6% monthly (43.2% APR).
If you love to shop a lot via online shopping apps for dining, travel, fitness, and shopping, then HDFC Millennia Credit Card is the best choice for you. Apply for Millennia Credit Card with GoPaisa to earn up to Rs. 1200 GP rewards.
Apply For HDFC Bank Millennia Credit Card
How to Choose the Best Cashback Credit Card for Your Spending?
- Spending Habits: Choose the best cashback credit card that perfectly aligns with your most recent expenses (e.g., Swiggy, Amazon, Myntra, Flipkart, Airtel).
- Cashback Caps: Some cashback credit cards have a limit on cashback per month (e.g., SBI Cashback has a ₹5,000/month cap).
- Fees & Waivers: Check if the annual fee of the cashback credit card is waived based on spending.
- Acceptance: Ensure the cashback credit card you are opting for is widely accepted (Visa/Mastercard/RuPay).
Final Thoughts
Cashback credit cards are the best approach to get rewards on your daily spending. Credit card companies provide multiple exciting offers to grab the attention of customers. The best cashback credit cards listed above offer different features to match different lifestyles. Whether you shop online, travel often, or enjoy eating out, there’s a cashback card that fits your needs. When picking the right cashback credit card, you can earn cashback, get extra benefits, and save more in 2025.
If you are unable to decide which card is best suited for you, GoPaisa is here to help you with the cashback credit card comparisons with the above-mentioned comparison table. GoPaisa is one of the trusted sources that provides detailed information about credit cards. GoPaidsa regularly updates its credit card deals to provide you with the best possible offers on cashback credit cards. Apply now for cashback credit cards with GoPaisa to get exciting rewards and cashback.
