Top 10 Best Credit Cards in India for Cashback and Rewards (2025 Guide)

In 2025, choosing the right credit card in India is not just about convenience—it’s about getting maximum value for every swipe. With rising online shopping, fuel costs, and travel expenses, credit cards offering cashback and rewards have become a smart way to save money. Banks and financial institutions in India are competing to attract customers with attractive welcome bonuses, annual fee waivers, and reward programs.

If you are searching for the best credit cards in India for cashback and rewards in 2025, this guide will help you compare features and benefits before making a decision.

1. HDFC Millennia Credit Card

Best for: Online shopping and lifestyle spending
Cashback: 5% cashback on Amazon, Flipkart, Swiggy, and Zomato
Annual Fee: ₹1,000 (waived if yearly spending crosses ₹1 lakh)
Why choose it? This card is popular among young professionals who spend regularly on e-commerce, making it a strong option in 2025 for maximum cashback on digital platforms.

2. SBI Cashback Credit Card

Best for: Flat cashback lovers
Cashback: 5% cashback on online spending, 1% on offline transactions
Annual Fee: ₹999
Why choose it? A simple structure, no hidden conditions, and high cashback make it one of the most straightforward choices for 2025.

3. Axis Bank Ace Credit Card

Best for: Everyday utility payments
Cashback: 5% on Google Pay utility bills, 4% on dining and food delivery
Annual Fee: ₹499
Why choose it? Perfect for people who pay bills through UPI apps and prefer cashback on essentials like electricity, gas, and mobile recharges.

4. ICICI Amazon Pay Credit Card

Best for: Amazon shoppers
Cashback: Up to 5% on Amazon purchases, 2% on partner merchants, 1% elsewhere
Annual Fee: Free for lifetime
Why choose it? With millions shopping on Amazon in 2025, this free credit card is one of the best no-fee options in India.

5. Flipkart Axis Bank Credit Card

Best for: Flipkart loyalists and lifestyle benefits
Cashback: 5% on Flipkart, 4% on dining and travel bookings
Annual Fee: ₹500
Why choose it? If you shop for electronics, fashion, and groceries from Flipkart, this card adds huge value through cashback and travel benefits.

6. HSBC Cashback Credit Card

Best for: Dining and fuel expenses
Cashback: 10% cashback on dining and food delivery, 1.5% on all other spends
Annual Fee: ₹750
Why choose it? International brand trust with exclusive offers in 2025 makes it a great choice for frequent diners and commuters.

7. Standard Chartered DigiSmart Credit Card

Best for: Young professionals and students
Cashback/Discounts: Up to 25% discount on Zomato, Ola, Myntra, and Yatra
Annual Fee: ₹49 per month
Why choose it? Low monthly fee and exciting lifestyle benefits make this card an affordable option in 2025 for those who love online deals.

8. American Express Membership Rewards Credit Card

Best for: Reward points accumulation
Rewards: 4,000 bonus points as a welcome gift, extra points for spending milestones
Annual Fee: ₹1,500 (first year)
Why choose it? Amex cards continue to be aspirational in 2025, especially for people who prefer accumulating reward points over cashback.

9. Kotak Royale Signature Credit Card

Best for: Travel and entertainment
Rewards: Double reward points on travel, dining, and movie tickets
Annual Fee: ₹999
Why choose it? A premium-looking card with mid-range fees, perfect for professionals who spend on travel and leisure in 2025.

10. Yes Prosperity Rewards Plus Credit Card

Best for: Balanced everyday spending
Rewards: 4 reward points for every ₹100 spent, accelerated rewards on groceries and travel
Annual Fee: ₹500
Why choose it? A good entry-level card for those who want to collect reward points without heavy annual charges.

How to Choose the Right Cashback Credit Card in 2025?

When selecting the best credit card in India 2025, consider:

Spending Habits: Do you shop more online, dine out, or travel?
Annual Fee vs. Benefits: A card with a fee can still save you money if cashback outweighs charges.
Welcome Bonus: Many banks are offering joining rewards in 2025 that cover your first-year fee.
Reward Redemption: Some cards allow you to convert reward points into air miles, shopping vouchers, or bill payments.

Final Thoughts

Credit cards in India are no longer just a payment tool—they are a way to earn cashback, save on online shopping, and enjoy exclusive offers in 2025. Whether you are a student, a working professional, or a frequent traveler, there is a card that matches your lifestyle.

If you want to save money on everyday purchases, build a strong credit score, and get maximum benefits from your spending, then choosing the best cashback and rewards credit card in India 2025 is the right financial decision.