Top 5 Credit Cards in India for Cashback Rewards (2025)

In today's fast-paced world, credit cards have become essential financial tools for managing expenses, earning rewards, and enjoying exclusive perks. You're in the right place if you love getting cashback on your purchases. Below, we list the top 5 credit cards in India for cashback rewards in 2025.

1. HDFC Millennia Credit Card

The HDFC Millennia Credit Card is perfect for millennials who love shopping online. This card stands out as a top choice with attractive cashback offers on popular platforms like Amazon, Flipkart, and Swiggy.

• Key Features:

  • 5% cashback on Amazon, Flipkart, and other partner brands.

  • 1% cashback on all other transactions.

  • Annual fee: ₹1,000 (waived on spending ₹1 lakh in a year).

2. SBI SimplyCLICK Credit Card

If you're an avid online shopper, the SBI SimplyCLICK Credit Card can help you save more while you spend.

• Key Features:

  • 10x reward points on online spending with partner brands like Amazon, Cleartrip, and BookMyShow.

  • 1% fuel surcharge waiver.

  • Annual fee: ₹499.

3. ICICI Amazon Pay Credit Card

For Amazon enthusiasts, the ICICI Amazon Pay Credit Card is a no-brainer. This card not only offers great cashback but also has no joining or annual fee.

• Key Features:

  • 5% cashback on Amazon for Prime members.

  • 2% cashback on Amazon for non-Prime members.

  • 1% cashback on other transactions.

  • No annual fee.

4. Axis Bank Ace Credit Card

The Axis Bank Ace Credit Card is ideal for those who want a flat cashback rate across various spending categories.

• Key Features:

  • 5% cashback on utility bill payments, Zomato, and Swiggy.

  • 2% cashback on all other spends.

  • Annual fee: ₹499.

5. Standard Chartered Super Value Titanium Credit Card

This card is great for people who spend a lot on fuel and utility bills.

• Key Features:

  • 5% cashback on fuel, phone, and utility bills.

  • 1 reward point for every ₹150 spent.

  • Annual fee: ₹499 (waived on spending ₹60,000 in a year).

How to Choose the Best Credit Card for You

When selecting a credit card, consider your spending habits, the cashback categories, and the annual fees. Ensure the rewards and benefits align with your lifestyle to maximize your savings.

• Tip: Always pay your credit card bills on time to avoid high interest rates and penalties.

Conclusion

Credit cards can be a powerful tool to save money and earn rewards when used responsibly. The cards mentioned above offer excellent cashback opportunities tailored to different spending needs. Whether you're an online shopper, a frequent diner, or someone who spends on utilities, there's a card for everyone.

Start your journey to smarter spending today by choosing a credit card that fits your lifestyle. Happy saving!

Note: The cashback percentages and fees mentioned are subject to change. Always check the official bank website for the latest updates before applying.

RUMANA TAHA

CEO / Co-Founder

Enjoy the little things in life. For one day, you may look back and realize they were the big things. Many of life's failures are people who did not realize how close they were to success when they gave up.