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Updated February 2025 · Expert Verified
Best Cashback Credit Cards in India 2025
Honest Cashback Credit Card Comparison for Indian Spenders
Earn up to 5% cashback on every purchase. Compare India's top cashback credit cards from SBI, HDFC, ICICI & Axis — and find the card that matches your spending in seconds. Free, unbiased, and updated monthly.
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Quick Comparison
Compare Top Cashback Credit Cards in India (2025)
Side-by-side comparison of India's highest-rated cashback credit cards — fees, rewards, and welcome benefits at a glance.
| Card Name | Cashback Rate | Annual Fee | Best For | Welcome Offer | Rating | Apply |
|---|---|---|---|---|---|---|
SBI Cashback Credit Card State Bank of India |
5% Online | ₹999 + GST | Online Shopping | 5% cashback instantly | ⭐ 5.0 | Apply Now |
Amazon Pay ICICI Card ICICI Bank |
5% Amazon | Free Forever | Amazon Shopping | ₹2,000 voucher | ⭐ 4.6 | Apply Now |
Swiggy HDFC Bank Card HDFC Bank |
10% Swiggy | ₹500 + GST | Food & Dining | 3-mo Swiggy One | ⭐ 4.8 | Apply Now |
HDFC Millennia Card HDFC Bank |
5% SmartBuy | ₹1,000 + GST | Online + Dining | ₹1,000 voucher | ⭐ 4.5 | Apply Now |
Flipkart Axis Bank Card Axis Bank |
5% Flipkart | ₹500 + GST | E-Commerce | ₹500 Gift Card | ⭐ 4.6 | Apply Now |
Airtel Axis Bank Card Axis Bank |
25% Airtel | ₹500 + GST | Utilities + Recharge | 25% cashback recharge | ⭐ 4.7 | Apply Now |
Simple Process
How to Get a Cashback Credit Card in India
Apply for a cashback credit card in under 5 minutes — no paperwork, no branches, no confusion.
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Compare Cashback Rates & Fees
View side-by-side cashback rates, annual fees, capping limits, and welcome benefits. Our expert scores help you spot the best value instantly — no jargon.
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Expert Picks · February 2025
Best Cashback Credit Cards in India 2025
Ranked by our editorial team based on cashback rates, fee value, redemption ease, and real user reviews. All cards link to official bank applications.
SBI Cashback Credit Card
₹999 + GST
All Online Spends
₹5,000/mo
5% from Day 1
Swiggy HDFC Bank Credit Card
₹500 + GST
Food Delivery
₹1,500/mo
3mo Swiggy One
HDFC Millennia Credit Card
₹1,000 + GST
SmartBuy Spends
₹1K/mo
₹1K Gift Voucher
Flipkart Axis Bank Credit Card
₹500 + GST
Flipkart Shopping
₹4K/quarter
₹500 Gift Card
HDFC Tata Neu Infinity Credit Card
₹1,499 + GST
Travel + Tata
500 NeuCoins
4mo Spotify
Airtel Axis Bank Credit Card
₹500 + GST
Airtel Recharge
₹250/mo
25% recharge CB
50+
Credit Cards Reviewed & Ranked
2M+
Indian Users Helped Monthly
₹12,000
Average Annual Cashback Savings
100%
Free, Unbiased & RBI-Compliant
Expert Guide
What is a Cashback Credit Card and How Does It Work?
A cashback credit card returns a percentage of your spending directly to you — as a statement credit, bank transfer, or reward points convertible to cash. Unlike traditional reward points, cashback is straightforward: spend ₹10,000 on a 5% cashback card and get ₹500 back. No redemption hassles. No points expiry.
In India, cashback credit cards have become the smartest financial tool for everyday spending. Whether you shop on Amazon and Flipkart, order from Swiggy and Zomato, or pay fuel bills at HPCL and BPCL pumps — there's a card designed to give you cashback on every rupee.
Why Cashback Cards Beat Regular Reward Points
- Cash is cash — no confusing redemption catalogues or airline mile conversions
- Cashback usually has no expiry date, unlike points that lapse annually
- Statement credit directly reduces your outstanding balance
- Easier to calculate ROI — a 5% card on ₹20,000/month spend = ₹12,000/year
- Multiple lifetime-free cashback cards exist in India with zero annual fee
How to Maximise Your Cashback in India
- Use category-specific cards: SBI Cashback for general online, Swiggy HDFC for food
- Stack multiple free cards across your spending categories
- Always pay your full bill on time — interest charges will eat your cashback
- Watch for accelerated cashback events during Big Billion Days and Great Indian Sales
- Meet milestone spends to unlock waived annual fees (most cards waive fees at ₹1–2L spend)
Verified User Stories
What Indian Users Say About Their Cashback Cards
★★★★★
"Switched to the SBI Cashback card after finding it on TopCashbackCard. Earned ₹4,200 cashback in just 3 months on my regular Myntra and BigBasket orders. The comparison tool made it so easy to understand."
★★★★★
"I was confused between 6 different credit cards. This website showed me a clear comparison. Got the Amazon Pay ICICI card — lifetime free and the ₹2,000 welcome voucher was credited immediately."
★★★★★
"As someone who orders Swiggy almost daily, the HDFC Swiggy card was a game changer. I earn back ₹1,200–1,500 every month. TopCashbackCard helped me find it in 2 minutes flat."
People Also Ask
Cashback Credit Card FAQs for Indian Users
Answers to India's most searched cashback credit card questions — plain language, no bank jargon.
The SBI Cashback Credit Card is our top-ranked cashback card in India for 2025, offering a flat 5% cashback on all online transactions up to ₹5,000 per month. For a lifetime free cashback card, the Amazon Pay ICICI Credit Card is the best choice — no fee, unlimited cashback, and a ₹2,000 welcome voucher.
For flat-rate cashback on all online shopping, the SBI Cashback Credit Card gives the highest rate at 5% with a ₹5,000/month cap. For Amazon-specific shopping, the Amazon Pay ICICI Card gives 5% for Prime members with no cap — making it better for heavy Amazon spenders. For Flipkart, the Flipkart Axis Bank Card gives 5% cashback on the platform.
Yes, several lifetime free cashback credit cards exist in India with zero joining and zero annual fee: the Amazon Pay ICICI Credit Card (best overall), and the HDFC Pixel Play Credit Card (with a lifetime free variant). These are ideal for users who want to earn cashback on online shopping without any annual charge. View our full lifetime free credit card list here.
Cashback capping is the maximum cashback you can earn per month or quarter. For example, the SBI Cashback Card offers 5% cashback but caps it at ₹5,000/month — so even if you spend ₹2 lakh online, you earn at most ₹5,000. The Amazon Pay ICICI Card has no capping, making it better for high Amazon spenders. Always check the cap before choosing a card based on your monthly spends.
The minimum salary requirement varies by card. Entry-level cashback cards like the Amazon Pay ICICI or Flipkart Axis Bank Card typically require ₹15,000–25,000 monthly income. The SBI Cashback Card requires approximately ₹20,000/month. Premium cards like the HDFC Tata Neu Infinity may require ₹40,000+. Self-employed individuals can apply using ITR of ₹2–4 lakh annual income depending on the card.
TopCashbackCard earns a referral commission from banks when you click "Apply Now" and successfully receive a card. This is standard in the financial comparison industry (similar to PolicyBazaar, BankBazaar, etc.) and is fully disclosed. Importantly, our editorial rankings are completely independent of commercial relationships — cards are ranked purely on cashback value, fees, and user ratings. We have no obligation to promote any bank's card over another.
Yes, completely safe. TopCashbackCard is a comparison platform — we never collect your financial information or process credit card applications directly. All "Apply Now" buttons redirect you to the official, SSL-secured bank website (SBI, HDFC, ICICI, Axis, etc.) where the application is handled. All listed banks are regulated by the Reserve Bank of India (RBI).
Cashback Guides & Tips
Expert Guides on Cashback Credit Cards in India
In-depth guides to help you earn maximum cashback — updated regularly by our editorial team.
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Cashback Guide
SBI Cashback Credit Card Review 2025: Is 5% Cashback Worth the Fee?
Complete breakdown of the SBI Cashback Card — rewards, fees, capping, and whether it beats free alternatives.
Read Full Review →🆓
Free Cards
Best Lifetime Free Credit Cards in India 2025 — Zero Fee, Real Cashback
The only list you need of truly free cashback credit cards with no hidden annual charges in India.
Read Full Guide →📊
Comparison
Amazon Pay ICICI vs Flipkart Axis Card: Which Is Better for Online Shopping?
Head-to-head comparison of India's two most popular e-commerce cashback cards — who wins in 2025?
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