Credit cards have become an essential financial tool for maximizing savings and earning rewards on everyday spending. Whether you’re looking for cashback on shopping, dining, or travel, the right credit card can help you save money while enjoying exclusive benefits. Here’s a list of the best credit cards in India for cashback and rewards in 2025.
1. HDFC Millennia Credit Card
- Best for: Online shopping and cashback
- Benefits:
- 5% cashback on Amazon, Flipkart, and other top brands.
- 1% cashback on all other spends.
- Complimentary airport lounge access.
- Fuel surcharge waiver.
2. SBI Cashback Credit Card
- Best for: Flat cashback on all purchases
- Benefits:
- 5% cashback on online spends (capped at ₹10,000 per month).
- 1% cashback on all offline spends.
- No joining or renewal fees.
- Easy EMI conversion options.
3. Amazon Pay ICICI Credit Card
- Best for: Amazon shoppers
- Benefits:
- 5% cashback for Amazon Prime members.
- 3% cashback for non-Prime members.
- 2% cashback on partner merchants.
- No annual fees or joining fees.
4. Flipkart Axis Bank Credit Card
- Best for: Flipkart and lifestyle shopping
- Benefits:
- 5% cashback on Flipkart, Myntra, and partner websites.
- 4% cashback on preferred merchants like Swiggy and Uber.
- 1.5% cashback on all other spends.
- Complimentary lounge access and fuel surcharge waiver.
5. Axis Bank Ace Credit Card
- Best for: High cashback on bills and food delivery
- Benefits:
- 5% cashback on bill payments and Google Pay transactions.
- 4% cashback on Swiggy, Zomato, and Ola.
- 2% unlimited cashback on all other transactions.
- Low annual fee with high reward returns.
6. Citi Cashback Credit Card
- Best for: Cashback on utility bills and everyday expenses
- Benefits:
- 5% cashback on movie tickets, telephone bills, and utility payments.
- 0.5% cashback on all other spends.
- Automatic cashback credit to the statement.
- Simple and transparent rewards system.
7. American Express SmartEarn Credit Card
- Best for: Premium rewards and lifestyle benefits
- Benefits:
- Extra rewards on top brands like Amazon, Flipkart, Uber, and Zomato.
- Milestone benefits with accelerated reward points.
- Access to premium AMEX membership privileges.
- Fuel surcharge waiver at selected outlets.
8. Standard Chartered Super Value Titanium Credit Card
- Best for: Fuel, utility bills, and groceries
- Benefits:
- 5% cashback on fuel purchases at all petrol pumps.
- 5% cashback on telephone and utility bills.
- 1 reward point per ₹150 spent on other transactions.
- Annual fee waiver on meeting spending criteria.
How to Choose the Best Credit Card?
Before applying for a credit card, consider these factors:
- Spending habits: Pick a card that rewards your most frequent purchases.
- Annual fees: Opt for a card with low or no annual fees if savings are your goal.
- Cashback vs. Reward Points: Cashback offers direct savings, while rewards can be redeemed for vouchers and travel perks.
- Additional perks: Look for travel benefits, airport lounge access, and fuel surcharge waivers.
Conclusion
The best credit card for you depends on your lifestyle and spending patterns. Whether you want cashback on daily expenses, shopping benefits, or travel rewards, there’s a perfect credit card available in 2025. Compare the benefits, read the fine print, and choose the card that helps you save the most while enjoying premium perks!