In 2025, cashback credit cards continue to be one of the most popular financial products in India, offering a simple yet effective way to save money on everyday purchases. Whether you’re someone who enjoys shopping online, dining out, or simply paying for utilities, cashback credit cards reward you with a percentage of your spending back, making them an appealing option for savvy consumers.
But with so many options available, how do you choose the best cashback credit card for your needs? In this guide, we’ll help you navigate through the best cashback credit cards in India for 2025, their benefits, and how to pick the one that suits your lifestyle. Plus, we’ll answer frequently asked questions to help you make an informed decision.
Why Choose Cashback Credit Cards?
Before diving into the details of the top cashback credit cards in India for 2025, let’s take a moment to understand why these cards are so appealing. Cashback credit cards come with a variety of perks, but the main benefit is straightforward: they give you back a percentage of what you spend.
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Convenience: Cashback is typically credited to your account or adjusted against your next bill, which means you don’t have to jump through hoops to redeem rewards.
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Flexibility: Unlike reward points, which may require you to choose specific products or services, cashback can be used for anything.
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Cost Savings: Over time, cashback can help offset your credit card fees, making it a practical way to save money on purchases.
Top Cashback Credit Cards in India for 2025
Choosing the best cashback credit card depends on your spending habits, the benefits you seek, and your financial goals. Here’s a list of the top cashback credit cards in India for 2025.
1. HDFC Bank MoneyBack Plus Credit Card
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Cashback Rate: 5% on online spending, 1% on all other purchases
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Key Features:
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1% cashback on regular purchases
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5% cashback on online spends
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Annual fee waiver on spending ₹50,000 in a year
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Complimentary lounge access at airports
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This card is ideal for individuals who do most of their shopping online. Whether you’re purchasing clothes, gadgets, or even booking tickets, the 5% cashback is an attractive benefit.
2. ICICI Bank Platinum Chip Credit Card
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Cashback Rate: 2% on all online spends, 1% on other purchases
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Key Features:
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2% cashback on all online transactions
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1% cashback on other transactions
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Fuel surcharge waiver
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Movie and dining discounts
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The ICICI Bank Platinum Chip Credit Card is great for online shoppers. Additionally, the low annual fee and added benefits like movie discounts make it a solid option.
3. SBI Cashback Credit Card
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Cashback Rate: 5% on all dining, groceries, and department store spends, 1% on other purchases
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Key Features:
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5% cashback on dining, groceries, and department store spends
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1% cashback on other categories
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Annual fee waiver on ₹1 lakh annual spend
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2 reward points for every ₹100 spent on general purchases
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The SBI Cashback Credit Card is one of the best credit cards with cashback and rewards in India, especially for individuals who dine out or shop frequently for groceries.
4. Axis Bank Ace Credit Card
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Cashback Rate: 2% on all spends, 5% on utility bill payments
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Key Features:
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5% cashback on utility bill payments, including electricity, gas, and mobile bills
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2% cashback on all other purchases
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Complimentary access to airport lounges
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Special offers for Flipkart purchases
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Axis Bank’s Ace Credit Card is perfect for those looking for high cashback on utility bills, which are often recurring expenses that people forget to optimize.
5. Citi Cashback Credit Card
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Cashback Rate: 5% on all spends up to ₹10,000 per month, 0.5% on all other purchases
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Key Features:
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5% cashback on up to ₹10,000 in monthly spending
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0.5% cashback on other purchases
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No annual fee for the first year
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The Citi Cashback Credit Card is designed for individuals who spend a significant amount each month. The cap on the 5% cashback is perfect for those who manage their expenses well.
Cashback Credit Card Benefits in India
Cashback credit cards come with a variety of benefits tailored to different needs. Let’s take a look at the key cashback credit card benefits in India that make them attractive:
1. High Cashbacks on Specific Categories
Some credit cards offer higher cashback for specific categories like online shopping, dining, or fuel. For example, the HDFC Bank MoneyBack Plus Credit Card provides 5% cashback on online transactions, which is ideal for those who frequently shop on e-commerce websites.
2. Lower Annual Fees and Waivers
Most cashback credit cards have annual fees, but many offer waivers if you meet a certain spending threshold. For instance, the ICICI Platinum Chip Credit Card waives its annual fee if you spend ₹30,000 or more annually.
3. Flexible Redemption
Unlike reward points that may be tied to specific merchants or product categories, cashback can often be used as a statement credit or even transferred to your bank account, providing flexibility in how you use your rewards.
How to Choose the Best Cashback Credit Card in India?
Choosing the best cashback credit card can feel overwhelming with so many options available. Here are a few things you should keep in mind while selecting a card that best fits your needs:
1. Spending Habits
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If you mostly shop online, cards like the HDFC Bank MoneyBack Plus Credit Card offer higher cashback for online purchases.
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If dining out is a regular activity, look for cards like the SBI Cashback Credit Card, which offers 5% cashback on dining.
2. Annual Fees
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Compare annual fees across various cards. Some may offer low or no fees for the first year, while others may provide fee waivers based on your annual spending.
3. Cashback Categories
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Some cards offer higher cashback in specific categories like utilities, groceries, and travel. Choose one that aligns with your regular spending categories.
4. Introductory Offers and Bonuses
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Many credit cards come with introductory offers, such as bonus cashback or reward points if you reach a spending threshold within the first few months. Look for cards with attractive signup bonuses.
Frequently Asked Questions (FAQs)
1. Which are the best cashback credit cards in India for 2025?
Some of the best cashback credit cards in India for 2025 include the HDFC MoneyBack Plus, ICICI Platinum Chip Credit Card, and SBI Cashback Credit Card. Each card offers unique benefits tailored to specific spending habits.
2. How to choose the best cashback credit card in India?
The best way to choose a cashback credit card is to assess your spending patterns. Look for cards that offer high cashback in the categories you spend most in, like dining, groceries, or online shopping.
3. What are the highest cashback credit cards available in India?
Some of the credit cards with the highest cashback in India include the SBI Cashback Credit Card (5% on specific categories) and the Citi Cashback Credit Card (5% cashback on monthly spends).
4. Are cashback credit cards worth it in India in 2025?
Yes, cashback credit cards are worth it if you manage your spending well. They help you save money on regular expenses and can be a great tool to offset annual fees, making them an excellent choice for savvy consumers.
5. Best cashback credit cards for online shopping in India?
The HDFC Bank MoneyBack Plus Credit Card and ICICI Platinum Chip Credit Card are excellent for online shopping, with both offering 5% cashback on e-commerce transactions.
6. What is the difference between cashback and reward credit cards in India?
Cashback cards give you a direct percentage of your spending back in cash or as a statement credit, while reward cards offer points that you can redeem for products, services, or travel-related perks.
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