Synopsis: Discover India’s top 10 cashback credit cards that help you save effortlessly on everyday spending – shopping, dining, fuel, travel, and bills. From zero-fee cards to high-reward online spend cards, this guide covers the smartest picks to maximise savings in 2025.
Cashback credit cards are one of the easiest and smartest ways to save your money on everyday spending. Whether you are shopping online or offline, paying bills, travelling etc, the right cashback credit card can put some money back into your pocket. Listed below are the top 10 best cashback cards in India.
1. Amazon Pay ICICI card
- Joining fee/Annual fee: No joining fee or annual fee
Cashbacks and benefits
The cardholders enjoy maximum benefits like 4% cashback on iShop, forex markup at 1.99% on foreign exchanges, non-expiring unlimited rewards up to 5% on shopping from Amazon and 1% on platforms other than Amazon. It also offers 1% fuel surcharge waiver.
Eligibility: You must be an Indian resident and at least 21 years old to apply. A good credit score with a stable income of a minimum Rs 20,000 is required and if you are self-employed the annual ITR of Rs 3,60,000 is required.
2. HDFC Millennia Credit Card
- Joining fee/Annual fee: Rs 1000+GST
- Annual fee is waived off for the first year on spending above Rs 30,000 on this card within 90 days..
Cashbacks and benefits:
The key benefits of this card includes 5% CashBack on Amazon, Flipkart, Hotel and flight tickets on shopping through SmartBuy or PayZapp, 2.5% CashBack on every type of online spends, 1% fuel Surcharge waived off and 1% CashBack on all offline spends. You also get ₹1000 worth gift vouchers on spends of ₹1,00,000 and above.
Eligibility: While applying for this card, make sure that you are an Indian resident within the age range of 21-60 years, with a stable Income above ₹30,000 if salaried. For a self-employed individual the annual ITR of Rs 6 lakh is required.
3. SBI Cashback Card
- Joining fee/Annual fee: Rs 999+GST
- The annual fee is waived off on spending above Rs 2 lakh on this card within the year.
Cashbacks and benefits:
You’ll get 5% cashback on all types of online spends. On top of that you get 1% cashback on offline spend and 1% fuel surcharge waiver. The card is hassle free and the cashbacks will be auto credited in your SBI card account. You can even use this card to buy Amazon Pay vouchers and pay bills with effective saving.
Eligibility: To apply for this card you must be an Indian citizen falling within the age range of 21-70 years. The monthly income requirement for a salaried person is slightly higher at Rs 3,00,000 per year and a good credit score is necessary.
This card is suitable for a person looking for a simple and plain cashback card.
4. Axis Flipkart Credit Card
- Joining fee/Annual fee: Rs 500+GST
- The annual fee is waived off on spending above Rs 3.5 lakh on this card within the year.
Cashbacks and benefits:
The cardholders get 7.5% cashback on Myntra, 50% off on Swiggy up to ₹100’ and unlimited 4% cashback on selected platforms. The card also offers Wednesday offers like up to 15% on flights & hotels via MakeMyTrip, 10% off on Tira, EMI offers on any transaction over Rs 2500.
Eligibility: It is an entry level card that means that any Indian citizen, salaried or self-employed with minimum income and clean credit score can apply for this.
5. YES Bank Paisabazaar PaisaSave Credit Card
- Joining fee/Annual fee: Rs 499+GST
- The annual fee is waived off on spending above Rs 1.2 lakh on this card within the year.
Cashbacks and benefits:
The cardholders enjoy benefits like 3% cashback on online spends capped at 5,000 cashback points per month. It also offers 1.5% cashback on offline spends and 1% waiver on fuel surcharge. Additionally, it includes lifestyle benefits like cashback on shopping, travel, dining and other spends.
Eligibility: This card requires Indian citizenship and age range between 21-60 years. You must have a stable monthly income of Rs 40,000 if you are salaried.
6. HDFC Swiggy Credit card
- Joining fee/Annual fee: Rs 500+GST
- The annual fee is waived off on spending above Rs 2 lakh on this card within the year.
Cashbacks & Benefits:
You get a complimentary 3 Months Swiggy One Membership on the card activation and 10% cashback on all Swiggy spends (food delivery or dineout). Secondly, you get 5% cashback on all online spends. Additionally, you get 50 days of interest-free credit from the purchase date. Apart from the cashback, this card offers Golf benefits like 12 free Golf courses per year across worldwide and banking benefits like contactless payment and smart EMI conversions.
Eligibility: Any Indian citizen in the age range of 21-60 years can apply for this card. The monthly income requirement for a salaried person is just Rs 15,000 and for a self-employed person the annual ITR should be more than Rs 6,00,000.
One of the best card to get if you are planning to invest in gold and silver.
7. HSBC Live Plus Card:
- Joining fee/Annual fee: Rs 999+GST
- The annual fee is waived off on spending above Rs 2 lakh on this card within the year.
Cashbacks and benefits:
This card can get you the benefit of 10% cashback up to Rs 1000 on food delivery, dining out, and grocery shopping. You also get Rs 1000 as a cashback if you download the HSBC mobile app and spend at least Rs 20,000 within one month. Cardholders get 1.5% unlimited cashback on movie tickets and spending on selected platforms. Additionally, the card offers 4 complimentary domestic airport lounge per year.
Eligibility: To apply for this card you must be an Indian citizen falling within the age range of 18-65 years. The monthly income requirement for a salaried person is slightly higher at Rs 4 lakh per year. If you want to upgrade your HSBC Live Plus card into a travel one card you can simply contact the bank and ask for an upgrade.
8. SBI PhonePe Credit Card
- Joining fee/Annual fee: Rs 1499+GST
- The annual fee is waived off on spending above Rs 3 lakh on this card within the year.
Cashbacks and benefits:
Cardholders recieve a PhonePe gift voucher worth Rs 1500 which makes the card basically free for the first year because you get the joining fee back as the gift voucher. Additional benefits include 10 reward points on every Rs 100 spend on eligible PhonePe transactions, Yatra voucher worth Rs 5,000 on an annual spend of Rs 5 lakh, 1% fuel surgecharge waiver, 4 Complimentary domestic lounge visits per quarter and a complimentary membership to Priority Pass Program.
Eligibility: You must be an Indian resident and at least 21 years old with a minimum Income of ₹4,00,000 to apply for this card.
9. Axis Airtel Credit Card
The target audience of this card is Airtel service users.
- Joining fee/Annual fee: Rs 500+GST
- The annual fee is waived off on spending above Rs 2 lakh on this card within the year.
Cashbacks and benefits:
The card users earn up to 25% cashback on Airtel mobile, broadband, and WiFi payments via Airtel Thanks app. Additional benefits include Amazon voucher worth Rs 500, complimentary lounge access and restaurant offers. Additionally you can get discounts on OTT Subscriptions and reward Points on Groceries, Dining, and Shopping. The card has a simple cashback structure.
Eligibility: You must be an Indian resident and at least between 18 and 70 years with a stable income of minimum 20,000 monthly.
10. Tata Nue Infinity Card
- Joining fee/Annual fee: Rs 1499+GST
- The annual fee is waived off on spending above Rs 3 lakh on this card within the year.
Cashbacks and benefits:
You get 5% back as NeuCoins on spending on Tata Neu and partnered brands and 1.5% back as NeuCoins which can be used on eligible non-Tata brands. You can even earn 5% back as NeuCoins on selected websites/apps. Cardholders get 1.5% back as NeuCoins on eligible UPI transactions. Additional benefits include lounge access (2 domestic+4 international), welcome bonus worth 1499 NeuCoins, travel insurance and 1% fuel surgecharge waiver.
Eligibility: To apply for this card you must be an Indian citizen falling within the age range of 21-65 years. The monthly income requirement for a salaried person is slightly higher at Rs 1,00,000 per year and the annual ITR for a self-employed individual should be above Rs 12,00,000.
This card is ideal for someone who is looking for a cashback credit card related to insurance payments and bills on Tata Neu app.
Conclusion
Honestly, choosing the right cashback credit card simply depends on where you spend the most. While every card in this list offers a unique reward and cashback points, the best one for you is the card that helps you save consistently on your everyday purchases without hassle or any confusion.
Written By: Supriya
