Credit cards have become more than just payment tools—they’re lifestyle companions that offer cashback, travel benefits, dining discounts, shopping perks, and exclusive rewards. With dozens of options available, choosing the best credit cards in India for cashback and rewards can feel overwhelming.
In this blog, we’ll explore the best cashback credit cards India, top rewards credit cards India, and guide you on how to choose the best credit card in India based on your lifestyle. Whether you are a beginner, a frequent traveler, or a shopaholic, there’s a perfect card for you in 2025.
Why Choose a Credit Card for Cashback and Rewards?
- Instant Savings: Get money back on every spend.
- Lifestyle Benefits: Dining, travel, shopping, and entertainment offers.
- Flexibility: Redeem rewards for vouchers, discounts, or even statement credits.
- Security: Enhanced fraud protection and zero-liability features.
When used wisely, credit cards not only save you money but also improve your financial management.
Best Credit Cards in India for Cashback and Rewards 2025
Here’s our expert-curated list of the best credit cards in India for cashback and rewards across different categories:
1. HDFC Millennia Credit Card – Best for Online Shoppers
- Cashback: Up to 5% on Amazon, Flipkart, Swiggy, and Zomato.
- Why it’s great: One of the best credit cards for shopping in India, especially for millennials.
- Annual Fee: ₹1,000 (waived on spends above ₹1 lakh).
2. SBI Cashback Card – High Cashback Credit Card in India
- Cashback: 5% cashback on all online spends.
- Why it’s great: A true credit card with maximum cashback in India for digital users.
- Annual Fee: ₹999.
3. Axis Bank ACE Credit Card – Best for Utility Bill Payments
- Cashback: 5% on bill payments via Google Pay, 4% on Zomato, Swiggy, Ola.
- Why it’s great: Perfect for everyday users looking for cashback credit cards for online shopping.
- Annual Fee: ₹499.
4. Amazon Pay ICICI Credit Card – Best Lifetime Free Credit Card in India
- Cashback: 5% for Prime members, 3% for non-Prime, 1% on all spends.
- Why it’s great: A lifetime free credit card that works best for frequent Amazon shoppers.
5. HDFC Regalia Credit Card – Top Rewards Credit Card India
- Rewards: 4 points per ₹150 spent, priority pass membership.
- Why it’s great: Known as one of the best credit cards for rewards points in India, especially for travel.
- Annual Fee: ₹2,500.
6. American Express SmartEarn Credit Card – Best for Dining & Travel
- Rewards: 10x points on Flipkart, Uber, Amazon.
- Why it’s great: Perfect for those seeking rewards credit cards for travel and dining.
- Annual Fee: ₹495 (1st year).
7. Standard Chartered Super Value Titanium Card – Best for Fuel Rewards
- Rewards: 5% cashback on fuel, utility bills, and telecom spends.
- Why it’s great: One of the best credit cards for fuel rewards in India.
- Annual Fee: ₹750.
8. ICICI Platinum Chip Credit Card – Best Credit Card for Beginners in India
- Rewards: 2 reward points for every ₹100 spent.
- Why it’s great: A lifetime free card that helps beginners start their credit journey.
Compare Credit Cards India for Cashback and Rewards
| Credit Card | Best For | Cashback/Rewards | Annual Fee | Key Benefit |
| HDFC Millennia | Online Shopping | 5% on Amazon, Flipkart, Zomato | ₹1,000 | Ideal for millennials |
| SBI Cashback | High Cashback | 5% on all online spends | ₹999 | Maximum cashback card |
| Axis ACE | Bill Payments | 5% on bills via Google Pay | ₹499 | Great for utilities |
| Amazon Pay ICICI | Lifetime Free | 5% Prime, 3% Non-Prime, 1% others | Free | Best free card |
| HDFC Regalia | Rewards & Travel | 4 points/₹150 | ₹2,500 | Premium lifestyle |
| Amex SmartEarn | Travel & Dining | 10x points on select merchants | ₹495 | Dining perks |
| SC Super Value Titanium | Fuel & Utilities | 5% cashback | ₹750 | Best fuel savings |
| ICICI Platinum Chip | Beginners | 2 points per ₹100 | Free | Great starter card |
How to Choose the Best Credit Card in India (Expert Tips)
Choosing the right card depends on your spending habits and financial goals.
- For Online Shoppers: Look for cashback credit cards for online shopping like SBI Cashback or Amazon Pay ICICI.
- For Frequent Travelers: Pick rewards credit cards for travel and dining such as HDFC Regalia or Amex SmartEarn.
- For Beginners: Go for the best credit card for beginners in India like ICICI Platinum Chip.
- For Fuel Expenses: Select best credit cards for fuel rewards in India like Standard Chartered Titanium.
- For Long-Term Value: Choose best lifetime free credit cards in India to avoid annual fees.
Tip: Always compare credit cards India for cashback before applying.
Credit Card Offers and Benefits in India
- Airport Lounge Access for premium cards.
- Dining Discounts on popular apps like Swiggy and Zomato.
- Fuel Surcharge Waivers on petrol pumps nationwide.
- EMI Conversions for high-value purchases.
- Insurance Coverage for travel and accidents.
Credit cards today are more rewarding than ever, making them not just payment tools but financial growth instruments alongside your Investment, Home Loan, and even Car Insurance planning.
Best Credit Card in India 2025 – Final Verdict
There’s no one-size-fits-all solution. The best credit card in India 2025 depends on your lifestyle:
- Shopper’s Choice: HDFC Millennia or Amazon Pay ICICI.
- Travel Enthusiast: HDFC Regalia or Amex SmartEarn.
- Fuel Savers: Standard Chartered Titanium.
- Beginners: ICICI Platinum Chip.
By aligning your card with your spending, you maximize rewards and savings.
Conclusion
Credit cards can be your best financial ally if chosen wisely. From high cashback credit cards India to top rewards credit cards India, the right card ensures you enjoy maximum benefits while keeping costs low.
Before applying, always review your needs, read terms carefully, and compare offers. Just like you would research the Best Health Insurance Plans or Life Insurance Policies, investing time in choosing the right credit card pays off in long-term savings.
