8 Best Cashback Credit Cards in India (2025 Edition)

Credit cards are often used by people to build their credit history and improve credit scores. But some credit card users look for the exclusive benefits offered by the card issuers. 

Credit cards provide numerous benefits like rewards on purchases, cashback, travel points, discounts on buying lifestyle commodities, etc. Among these, earning cashback is the simplest benefit that you can expect from renowned credit card issuers across the country. 

In this guide, let us explore the 8 best cashback credit card options in 2025. 

List of Best Cashback Credit Cards in India

Here’s a comprehensive list of India’s top cashback credit cards, which you may consider adding to your wallet:

Axis ACE Credit Card

If someone is searching for the best cashback credit card for bill payment, then this card would be an ideal pick. It assures accelerated cashback rewards on all your transactions. 

• Joining Fee: Nil
• Annual Fee: ₹499 (applicable from the second year)
• Benefits Offered: 4 complimentary lounge visits every year across selected domestic airports, 5% cashback on utility bill payments and mobile recharges via Google Pay, 1% fuel surcharge waiver against fuel bills throughout India.

Stable Money Suryoday Rupay Credit Card

This is a secured credit card offered by Suryoday Bank. This credit card offers 0.5% cashback on every transaction with no issuance charge, maintenance or renewal fee). The best part? There are two variants of the credit cards offered under these names - Rupay Platinum and Rupay Select with a host of exclusive benefits.

• Joining fee: Nil
• Annual Fee: Nil
• Benefits Offered: 0.5% cashback on all transactions*, free airport lounge access for both, domestic and international travellers, flight discounts, insurance and concierge and much more.

Utkarsh SuperCard Credit Card

For those with a love for online shopping, this card elevates the entire experience by ensuring attractive rewards. If you do some shopping on a regular basis, you can get many offers via this card along with an interest-free repayment period of 45 days. 

• Joining Fee: Nil
• Annual Fee: Nil
• Benefits Offered: 0.5% cashback on all non-UPI transactions, 5% cashback and 2% cashback respectively on non-UPI payments made towards Flipkart and Myntra, 3% cashback for non-UPI bookings done via Cleartrip.

IndusInd Platinum Aura Edge Credit Card

Many people need to travel frequently for work purposes. For them, the Aura Edge credit card from IndusInd Bank can be of great use. 

By using this card, you can earn 0.5 - 4 Savings Points per ₹100 spent across various categories of expenses. This offer is most beneficial for those who purchase daily items from departmental stores, as it rewards them with 4 Savings Points for each ₹100 spent. While redeeming, you can convert each savings point into ₹0.50 or 0.5 airline mile. 

• Joining Fee: ₹500
• Annual Fee: Nil
• Benefits Offered: Users get multiple redemption options for their accumulated reward points. Through Vouchagram, one can avail discounts on shopping made via Flipkart, Amazon, etc. Additionally, the cardholders can avail 24x7 concierge assistance to enjoy a premium lifestyle. 

Swiggy HDFC Bank Credit Card

Users of the Swiggy HDFC Bank Credit Card can enjoy a flat 10% cashback on orders made via all Swiggy channels, including Instamart, Genie and Dineout. It implies that the card can be very useful for customers who not only frequently order food from restaurants but also for those who prefer online grocery delivery.

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
• Benefits Offered: 10% cashback on purchases through Swiggy, 5% cashback on other online expenses, 5% cashback on Ola and Uber fares. Also, the customer can enjoy 12 free golf lessons along with 4 complimentary rounds of Green Fees. 

Cashback SBI Credit Card

Besides online spending, this card also offers many great deals for offline shoppers. Thus, it is best suited for shopping and food enthusiasts. Moreover, one can avail a complete waiver of the card renewal fee if they spend ₹2 lakh or more from the card in its anniversary years. 

• Joining Fee: ₹999 + GST
• Annual Fee: ₹999 + GST
• Benefits Offered: You can enjoy 5% cashback on your online spending and 1% cashback on the bill amount incurred from offline expenses. 

AU Altura Credit Card

Combined with cashback, this credit card also offers various railway lounge access benefits, complimentary card liability cover, attractive milestone benefits, etc. Moreover, you can conveniently make contactless payments by simply tapping your card for transactions up to ₹5,000.

• Joining Fee: ₹199 + GST
• Annual Fee: ₹199 + GST
• Benefits Offered: You can enjoy 2 complimentary railway lounge access per quarter. In addition, the card gives a 2% cashback on purchases made at grocery stores and 1% cashback on retail expenses. Plus, you get a 1% fuel surcharge waiver for spends ranging between ₹400 and ₹5,000. 

Amazon Pay ICICI Bank Credit Card

It is a lifetime-free credit card brought to you by ICICI Bank in collaboration with Visa and Amazon. It has no limit on possible savings and comes with several lucrative benefits. 

• Joining Fee: Nil
• Annual Fee: Nil
• Benefits Offered: 5% cashback is provided on all Amazon purchases (except for a few categories) to all Prime members. Plus, you get a 1% surcharge waiver for fuel costs.

How to Select the Best Cashback Credit Card?

It is essential to compare the features and benefits of cashback credit cards before finalising one. By following this strategy, you can maximise your savings and shop conveniently across multiple online platforms.

Some key features to look out for are as follows:

Lucrative Cashback Rates

You have to discover cards that offer high cashback percentages, particularly in segments where you spend the most of your budget. This can be online shopping, buying groceries, paying utility bills and so on. For instance, some cards provide up to 5-7% cashback on online transactions while 1-2% cashback on offline spends. 

Simple and Flexible Redemption of Rewards

The accumulated rewards or cashback must be easy to redeem. Some credit card providers even offer features like automatic crediting, where the bonus points turn into cash after reaching a certain limit, which is a plus. 

Low or No Annual Charges

Cards that come with zero or low joining and maintenance fees or those offering a waiver based on your net spending can help boost your savings. For example, the SBI Cashback Credit Card enables a spend-based reversal of the card renewal fee for its customers who achieve an annual spending of more than ₹2 lakh.

Besides these important features, you can also expect the following benefits from cashback credit cards:

• Contactless Payments: Some cashback credit cards are easy and convenient to use. You only need to tap them to make transactions without entering a PIN for amounts up to a certain limit.
• Wide Acceptance: Your chosen card should be widely accepted, both online and offline. Moreover, if you plan to travel abroad, the card must be functional internationally as well.
• Additional Perks: The best cashback credit cards in India offer complimentary airport lounge access, adequate life insurance, purchase protection and flexible EMI options on high-ticket purchases. 
• Fuel Surcharge Waivers: For those who often drive, fuel surcharge waivers of 1% (on bills above ₹500) can significantly add to their monthly savings. 

Furthermore, if you already have any existing EMI, you can choose a card that provides customers with a balance transfer option. 

In case your credit score is insufficient, you can download Stable Money and explore our section dedicated to credit cards against an FD. Apply for one of our FD-backed credit cards to earn annual returns of up to 9.10% while you simultaneously enjoy lower annual charges and interest rates on credit purchases. Thus, it is a win-win situation for you.

How to Apply for Cashback Credit Cards Online?

To opt for a cashback credit card, you must research and figure out an option that best suits your needs. Then you can follow the steps given below:

Step 1: Visit the credit card issuing bank’s official website. 

Step 2: Find the option ‘Credit Cards’ and navigate to the ‘Apply’ button. 

Step 3: Choose the desired card type and fill out the application form. 

Step 4: Submit your application online. 

Step 5: Now, you have to wait for the card delivery. Once your application is approved, you get the card delivered through courier. 

Apply for Instant Rupay Credit Card with Suryoday Bank and Enjoy Exclusive Benefits

The best cashback credit card according to your spending habits can help you save big each month. Therefore, you should learn to distinguish credit cards based on different aspects like dining, fuel benefits, online shopping, movies and so on. Regardless of the category you stick to, the best advantage is that these cards offer a hassle-free redemption method. Thus, you do not have to stress while using the accumulated reward points.