Credit cards are generally presumed to facilitate economic stability and security; however, they act as a lure for many people to gain other benefits. It comes as rewards, travel, or lifestyle. Cashback is simply one of the most popular and easiest benefits, whereby cardholders get to save a certain percentage of what they use when making every purchase. Cashback credit cards are designed primarily for such benefits; hence, they become a smart tool for maximizing savings while spending.

What are Cashback Credit Cards?

Cashback credit cards are a form of rewards credit card that offers a percentage of your spending back in the form of cash. Unlike points or miles, cashback is a straightforward means of earning money on your purchases. Most cashback credit cards offer a fixed percentage of cashback on all purchases, while others may provide higher cashback rates for specific categories, such as groceries, fuel, or dining.

Top 10 Cashback Credit Cards in India 2025

Cashback credit cards are a fantastic way to earn rewards on your everyday purchases. However, with so many options available in India, finding the perfect cashback card can be overwhelming. Here is the list of top best cashback credit cards in India for 2025, to maximize your savings.

• SBI Cashback Credit Card
• Swiggy HDFC Bank Credit Card
• Flipkart Axis Bank Credit Card
• Amazon Pay ICICI Bank Credit Card
• Axis Bank Cashback Credit Card
• HDFC Bank MoneyBack+ Credit Card
• Citi Cashback credit card
• RBL Bank Monthly Treats Credit Card
• HSBC Live+ Credit Card
• Axis Bank ACE Credit Card

1. SBI Cashback Credit Card

SBI Cashback is the premier option when it comes to cashback on online expenditures. The program offers 5% cashback on the majority of online shopping expenditures across various merchants such as Flipkart, Amazon, and Myntra. Out of all the cashback credit cards, this is the most suitable option for online purchases.

Features:

• Earn 5% cashback on any online transaction, with no merchant limits.
• Annual/renewal fee of Rs 999 waived upon spending Rs 2 lakh in the previous year.
• Enjoy a 1% fuel surcharge waiver on transactions between Rs 500 and Rs. 3,000 at petrol pumps across India, capped at Rs. 100 per billing cycle.
• Get 1% cashback on offline purchases and utility bill payments (excludes rent payments, merchant EMIs, balance transfers, Flexipay, wallet loads, encash, and cash advances).
• Easily pay mobile, electricity, and other utility bills using the 'Easy Bill Pay' feature.
• Transfer outstanding credit card balances from other banks to this credit card and repay through EMIs at lower interest rates.

2. Swiggy HDFC Bank Credit Card

The Swiggy HDFC Bank Credit Card is noteworthy for its generous cashback offerings, which include 10% cashback on Swiggy platforms such as food delivery, Instamart, Dine Out, and Genie, as well as additional cashback on both online and offline expenditures. It charges an annual fee of Rs 500.

Features:

• Earn 10% cashback on Swiggy purchases (food, Instamart, Dineout, and Genie), capped at Rs 1500 per billing cycle (excluding Swiggy Money, Minis, and Liquor).
• Get 5% cashback on top brands like Nykaa, Amazon, Ola, Myntra, capped at Rs. 1500 per billing cycle (excluding gift cards and groceries).
• Earn 1% cashback on other spends, capped at Rs 500 per billing cycle (excluding fuel, rent, wallet, EMI, jewelry, and government spends).
• Get up to 5% cashback on Uber and Ola rides.
• Enjoy 4 free green fees and 12 complimentary lessons annually, plus a 50% discount on golf services.
• Receive a complimentary 3-month Swiggy One membership or extension if already subscribed.
• Cashback is credited directly to your credit card statement from the following month.
• Get up to 12% off on Agoda, free stays and dinners at partner locations, plus global benefits in sports, shopping, travel, and lifestyle.

3. Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card offers up to 5% cashback on Flipkart, Myntra, and partner websites, plus a flat 1.5% cashback on other purchases. With a Rs 500 joining and renewal fee, it provides welcome benefits worth Rs 600, domestic lounge access, and dining discounts through Axis Dining Delights. Ideal for online shoppers, it maximizes rewards on Flipkart and partner platforms.

Features:

• Cashback of 5% on Flipkart and Myntra.
• Cashback of 4% on preferred partners including Swiggy, Uber, PVR, and Cure.fit.
• All other online and physical purchases receive 1.5% cash back.
• Four visits per year to specific Indian airport lounges for Flipkart Axis Bank credit card holders.
• Cashback on Uber rides is accelerated (4%).
• A welcome bonus of Rs 1,100 will be given to you on the day the card is issued.
• Flipkart vouchers worth Rs 500.
• 15% cashback (up to Rs 500) on your first Myntra purchase with this card.
• New users on Swiggy get 50% off their first purchase (up to a maximum discount of Rs 100).
• Spending in the Flipkart Smart Store will give you 1.5% cashback.
• All petrol stations in India waive the 1% fuel levy for transactions between Rs 400 and Rs 4,000.

4. Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card, designed in collaboration with Amazon India and ICICI Bank on the Visa payment network, is a popular choice among online buyers. It provides attractive cashback rewards, especially for frequent Amazon customers and Prime members. The incentives are credited to the Amazon Pay balance. This card has no joining or renewal fees, making it an excellent alternative for consumers wishing to maximize their earnings on Amazon purchases.

Features:

• Amazon Prime users earn 5% cashback on all purchases on Amazon.
• Non-Prime users earn 3% cashback on Amazon.
• 2% cashback on purchases at over 100 partner merchants using Amazon Pay.
• 1% cashback on other retail purchases (excluding fuel).
• Reward points are credited to the Amazon Pay balance, with no expiry date.
• A minimum of 15% discount on dining bills at participating restaurants in the Culinary Treats program.

5. Axis Bank Cashback Credit Card

The Axis Bank Cashback Credit Card is effective for customers who just want simple cashback rewards. With a joining and renewal fee of Rs 1,000 plus taxes. The card doesn't include perks like lounge access or insurance benefits, but it would be a great choice for those looking to save on everyday and online shopping with cashback rewards.

Features:

• Get 5,000 EDGE Reward Points on making the first transaction within 30 days.
• Enjoy a 20% discount, up to Rs 800, on EazyDiner.
• Earn 7% cashback on online purchases.
• Earn 0.75% cashback on offline and travel spends.
• Earn 0.5% cashback on utility transactions.
• Cashback is credited directly to your statement.
• 2% cashback on online spending up to Rs 5,000.
• 5% cashback on online spending between Rs 5,001 and Rs 40,000.
• 7% cashback on online spending above Rs 40,000.

6. HDFC Bank MoneyBack+ Credit Card

HDFC Moneyback+ Credit Card is the one upgraded variant of the existing Moneyback Card that rewards users in various categories. Being a basic card, it requires a very easy income eligibility of Rs 25,000 only per month which does wonders for many first timers. It rewards you on all the regular expenses for shopping on websites like Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart, etc. With an annual as well as joining fee of Rs 500 each, you could not find a more worthy and entry level cash reward offering card for grocery, dining, lifestyle and departmental store expenses.

Features:

• 500 CashPoints as a welcome gift upon activation.
• 5x CashPoints on EMI payments at selected merchant stores.
• Zero lost card liability; no fraud liability if card is lost and the customer reports it.
• Renewal membership fee waived if Rs 50,000 is spent annually.
• Earn 2 CashPoints for every Rs 150 spent, except on wallet reloads, fuel, vouchers, and prepaid card reloads.
• Spend over Rs 50,000 annually to receive a Rs 500 gift voucher.
• 1% fuel surcharge waiver on fuel purchases.
• 10x CashPoints on purchases at Reliance Smart, Flipkart, Swiggy, Amazon, and BigBasket.
• Up to 15% discount on dining at 2,000+ select restaurants nationwide.
• Annual fee waived if the total spend is over Rs 50,000.
• Ability to convert large purchases into low-interest EMIs.

7. Citi Cashback Credit Card

If you enjoy saving money on everyday expenses and enjoy eating out, the Citi Cashback Credit Card may be the right choice for you. For a joining fee of only 500, you can enjoy 5% cashback on your telephone and utility bill payments, as well as movie tickets. Furthermore, you will receive a cashback of 0.5% on all other expenses and a 20% discount at the participating restaurants. The best part is that your unredeemed cashback never expires and is credited to your statement monthly!

Features:

• 5% cash back on all purchases.
• 5% cash back on phone bill payments and movie ticket purchases.
• 5% reward on utility bill payments made through Citibank Online Bill Pay only.
• Cashback is automatically applied to the card's statement balance in multiples of Rs. 500.
• Participating establishments provide discounts of up to 20% off their meal bills.
• There is a 1% fuel cost waiver on fuel transactions at Indian gas stations.
• 5% cashback on utility bills, cinema ticket purchases, and phone bill payments.
• Cashback of 0.5% applies to all other spending categories.
• Cashback is automatically credited to your account in multiples of Rs 500.

8. RBL Bank Monthly Treats Credit Card

RBL Bank's Monthly Treats Credit Card is a great option to earn rewards and cashback against every purchase made for necessities during the month. It gives 10% cashback on grocery purchases, entertainment booked through BookMyShow, and food ordered from Swiggy; and also lets double reward points on all online transactions. It can also waive the cost of monthly fees for every spend within Rs 3,000, making it cost effective. While it is mainly focused on savings in the domestic sense, it pretty much overlooks all sorts of travel benefits.

Features:

• Every month, you'll get 10% cashback on BookMyShow, groceries, Swiggy, and bills.
• 2X accelerated reward points for online purchases.
• If you spend Rs 3,000 or more, you will receive a Rs 50 monthly fee waiver.
• Earn one reward point for every Rs 100 spent on offline purchases (excluding petrol).
• Fuel surcharges of up to Rs 100 per month are waived on transactions ranging from Rs 500 to Rs 4,000.
• Spend Rs 3,000 in a month and get Rs 50 cashback, plus 10% cashback on grocery purchases (up to Rs 100).
• Spend Rs 5,000 in a month and get 10% cashback on BookMyShow and Swiggy purchases (up to Rs 100).
• Earn 1 reward point for every Rs 100 spent on offline expenses, and 2 reward points for spending online.

9. HSBC Live+ Credit Card

The HSBC Live+ Credit Card delivers exceptional flexibility alongside unmatched cashback benefits on dining, food delivery, groceries, and more. With a joining fee of just Rs 999, it includes welcome benefits, making it perfect for first-time cardholders seeking rewards on shopping and daily expenses. This entry-level card truly balances comfort and value seamlessly.

Features:

• Annual charge waived based on certain conditions.
• All online transactions may give you up to 1.5% cashback.
• 1% cashback on all other purchases.
• 10% cashback on dining and food delivery in India.
• 10% cashback on groceries.
• 5% limitless cashback on movies, streaming services, and other purchases.
• 5% unlimited cash back on domestic and international purchases.
• Emergency card replacement service.
• Cashback is offered on transactions converted into EMIs.
• Includes significant insurance benefits.

10. Axis Bank ACE Credit Card

The Axis Bank Credit Card ACE is the best and most favored option for cashbacks since it offers a whopping 1.5% cashback on all transactions, even above most. It was launched with Google Pay and VISA, allowing one to enjoy cashback of 5% on bill payments through the Google Pay app, as well as 4% cashback on merchants like Swiggy, Zomato, and Ola. The card carries a joining renewal fee amounting to Rs 499+GST. This is a good pick for young professionals looking for extremely easy rewards with direct cashback.

Features:

• Benefit from cashback where a fixed amount is added to your credit card account when you pay bills or recharge your phone.
• Enjoy up to 4 complimentary domestic airport lounge accesses per calendar year with the ACE Credit Card.
• Get up to a 20% discount on dining bills at over 4,000 partner restaurants across India.
• Convert ACE Credit Card transactions of Rs 2,500 or more into equivalent monthly installments (EMI).
• Receive a 1% fuel surcharge waiver on payments at any petrol station in India. The waiver is valid for transactions between Rs 400 and Rs 4,000, with a maximum benefit of Rs 500 per month.

Benefits of Cashback Credit Cards

• Cashback credit cards let you save up to 25% on your spending, helping you earn savings almost every time you make a purchase.
• Unlike reward points, cashback redemption is straightforward, as the cashback is automatically credited to your account.
• Earned cashback can be used against your statement balance or wherever you choose to spend it.
• Most cashback cards are cost-effective, with low joining fees or even lifetime-free options available.
• In addition to cashback, these cards may offer other privileges, such as complimentary lounge access, dining discounts, and exclusive deals.
• Cashback cards focus primarily on cashback offers, ensuring you maximize savings on everyday expenses.

How to Apply for a Cashback Credit Card?

You can apply for a cashback credit card online through the website and offline by visiting the nearest branch of your bank.

Steps to Apply Online for a Cashback Credit Card:

1. Visit the official website of the bank.
2. Navigate to the credit card section.
3. Choose the cashback credit card you wish to apply for.
4. Click on the "Apply Now" button.
5. Fill out the application by entering your professional and personal information.
6. Upload scanned copies of the required documents.
7. Click on "Submit" to complete the application process.

Steps to apply offline for a cashback credit card:

1. You can visit any branch with the KYC documents and get the credit card.
2. You can also ask the representative to visit your house in order to open an account.

Conclusion

Anyone can benefit from a cashback credit card. It simply requires choosing a card that fits your spending style. Most cashback cards typically offer rewards in one or two categories, so it is important to know which one you should spend the most on. Also, compare the cards in terms of other categories such as travel, dining or food, fuels, and movie benefits. It is straightforward; cashbacks are credited straight to your account, without the hassle of reward credit cards. Compare the cashback credit cards through CreditKaro and find the most suitable option that aligns with your requirements.