In 2025 cash back credit cards are the popular choice for the credit card users who spend through the card using online shopping platforms and other POS . Lets see the curated list of best cash back credit cards in India for 2025 .
Check your spending habits: Online shopper? Utility payer? Pick accordingly.
Look at cashback limits & categories: Some cards cap cashback as per category.
Mind the annual fee: Go for waiver options if you can meet the spend requirement.to make the card free .
Always read the Terms and Condition: Cashback exclusions, processing timelines, etc.
Best For: Users who pay utility bills and for Google Pay users
Annual Fee: ₹499 (waived on spending 2 lakhs per annum )
Cashback Highlights:
You will get 5% cashback on bill payments via Google Pay
And 4% cashback on Swiggy, Zomato, Ola
Also, 2% cashback on all other spends
Why it’s great: This card is very useful for people who regularly pay bills and recharge via Google Pay. It combines utility savings with everyday use.
Apply for Axis bank Ace card
Best For: Users who shops on Flipkart, Myntra, and lifestyle shoppers
Annual Fee: ₹500
Cashback Highlights:
You will get 5% cashback on Flipkart & Myntra
4% on partner merchants like Swiggy, Uber
1.5% on all other transactions
Why it’s great: If you are regular shopper on Flipkart or Myntra, this card pays for itself within the first few purchases.
Apply for Flipkart Axis Bank Credit Card
Best For: Amazon Prime members
Annual Fee: ₹0 (Lifetime Free)
Cashback Highlights:
You will get 5% cashback on Amazon for Prime users
3% on Amazon for non-Prime
1% on other spends
You will have the cashback credited to Amazon Pay balance
Why it’s great: No fess or extra charges just cashback for Amazon loyalists.
Apply for Amazon Pay ICICI Credit Card
Best For: Millennials who spend across multiple apps and online shopping
Annual Fee: ₹1,000 (waived on spending ₹1L or more )
Cashback Highlights:
5% cashback on Amazon, Flipkart, Swiggy, Zomato
1% on all other spends
Complimentary lounge access for domestic and international airports
Why it’s great: This is a solid all-rounder for urban users who spread their expenses across multiple online platforms.
Apply for HDFC Millennia Credit Card
Best For: For all groceries and bill payments
Annual Fee: ₹750 (waived on ₹1L spend)
Cashback Highlights:
Provides 1.5% cashback on online spends
1% cashback on all other domestic spends
Fuel surcharge waiver
Why it’s great: Clean and simple cashback structure, plus acceptance worldwide. Alos check the top credit card for online shoppings in India.
Apply for HSBC Cashback Credit Card
| Card Name | Best For | Annual Fee | Top Cashback Rate |
|---|---|---|---|
| Axis Ace Card | Bill payments on Google Pay | ₹499 | 5% |
| Flipkart Axis Card | Flipkart & Myntra | ₹500 | 5% |
| Amazon Pay ICICI | Amazon + No fee | ₹0 | 5% (Prime only) |
| HDFC Millennia | Multiplatform online spenders | ₹1,000 | 5% |
| HSBC Cashback Card | Grocery & offline spenders | ₹750 | 1.5% |
