A diverse group of people in an Indian market setting, happily using credit cards at various stalls and shops, representing different cashback benefits they receive from their cards. The atmosphere is lively and colorful, showcasing the vibrant culture an

Top Cashback Credit Cards in India for 2025: Maximize Your Savings

Q: What is the best cashback credit card in India for 2025?

The best cashback credit card depends on your spending habits. Cards like SBI Cashback Credit Card and Amazon Pay ICICI Credit Card are top choices for online shopping.

Q: How can I maximize my savings with a cashback credit card?

You can maximize savings by choosing a card that aligns with your spending patterns such as online shopping, dining, or groceries. Look for cards with no annual fees or those that waive fees with minimum spending.

Q: Do cashback credit cards have any annual fees?

Some cashback credit cards have annual fees, but many waive these fees if you reach a certain spending threshold. For example, the SBI Cashback Credit Card waives the fee if you spend ₹2 lakh annually.

Q: Are there any limitations on cashback earnings?

Yes, some cards have caps on cashback earnings. For instance, the SBI Cashback Credit Card has a monthly cashback cap of ₹5,000.

Q: Can cashback be redeemed as statement credit?

Yes, many cards allow you to redeem cashback as statement credit. The YES Bank Paisabazaar PaisaSave Credit Card, for example, offers this option.

Team PaisaSimple • January 28, 2025

Explore the best cashback credit cards in India for 2025 and find out how to maximize your shopping savings with unique perks and rewards.

Discover the Best Cashback Credit Cards in India for 2025

In 2025, getting the most out of your shopping isn't just about finding the best deals; it's also about choosing the right credit card that puts money back into your pocket. Let's dive into some of the top cashback credit cards available in India, each offering unique perks and rewards.

YES Bank Paisabazaar PaisaSave Credit Card

Imagine a friend who always chips in a bit whenever you shop online. That's the YES Bank Paisabazaar PaisaSave Credit Card for you! With no joining fee and an annual fee of ₹499 (waived if you spend ₹1.2 lakh annually), it offers 3% cashback on e-commerce spends and 1.5% on all other spends, including UPI. Plus, you can redeem your cashback points as statement credit and enjoy a fuel surcharge waiver.

SBI Cashback Credit Card

Think of the SBI Cashback Credit Card as your online shopping buddy who gives you a high-five every time you make a purchase. With a ₹999 joining fee, it offers a generous 5% cashback on all online spends and 1% on offline purchases, with a monthly cashback cap of ₹5,000. The annual fee is waived if you spend at least ₹2 lakh a year.

Amazon Pay ICICI Credit Card

Meet your new shopping partner, the Amazon Pay ICICI Credit Card. This lifetime free card offers up to 5% cashback on Amazon purchases for Prime members, 3% for non-Prime members, and 2% on partner merchants. It's like having a little Amazon assistant in your wallet!

HSBC Live+ Credit Card

If dining and groceries are your thing, the HSBC Live+ Credit Card is your gourmet guide. With a ₹999 joining fee, it gives you 10% cashback on dining, grocery, and food delivery spends, plus 1.5% on other expenses. Enjoy complimentary lounge visits and dining discounts at partner restaurants.

Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is your go-to for all things shopping. With a ₹500 joining fee, it offers 5% cashback on Flipkart and Cleartrip, 4% on select merchants, and 1% on other transactions. It's like having a shopping festival in your pocket!

Swiggy HDFC Bank Credit Card

For foodies, the Swiggy HDFC Bank Credit Card is a treat. With a ₹500 joining fee, enjoy 10% cashback on Swiggy orders and 5% on various online merchants. Plus, get a free 3-month Zomato Pro membership. It's like having a food fiesta every time you order!

Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card is perfect for those who love the Tata brands. Currently fee-free, it offers 10% cashback as Neo points on Tata Neu app purchases, and even more on partner brands. Enjoy lounge access with no spending criteria—it's like traveling in style!

Choosing the right cashback credit card depends on your spending habits. Whether you love shopping online, dining out, or traveling, there's a card tailored just for you. Maximize your savings and make every purchase rewarding!