Top 5 Credit Cards in India with Best Cashback in 2025

20 September 2025 As more Indians shift towards digital payments, the demand for rewarding credit cards is on the rise. In 2025, leading banks and fintech companies have introduced new features and benefits to attract smart spenders.

Whether you’re shopping online, paying utility bills, or traveling frequently, here are 5 top credit cards in India that offer excellent cashback, rewards, and lifestyle perks.

HDFC Millennia Credit Card

Best forOnline shopping & digital payments

5% cashback on Amazon, Flipkart, Zomato, Myntra
1% cashback on other transactions
Free airport lounge access (limited)
Annual fee: ₹1,000 (waived on ₹1L yearly spend)

Why it stands out: Designed for young users who frequently shop online and want monthly savings.

SBI Cashback Credit Card

Best for: Flat cashback lovers

5% cashback on online transactions
1% cashback on offline spends
Zero joining fee
Annual fee: ₹999

Why it stands out : Simple cashback structure, great for those who use cards for daily essentials and bill payments.

Axis Bank ACE Credit Card

Best for: Utility bill payments and food delivery

5% cashback on bill payments via Google Pay
4% on Zomato, Swiggy, Ola
2% on all other spends
Annual fee: ₹499 (waived on ₹2L spend/year)

Why it stands out : One of the few cards that gives real cashback on utility payments and services.

Amazon Pay ICICI Credit Card

Best for: Amazon Prime members

5% cashback on Amazon (for Prime), 3% (non-Prime)
No annual or joining fee
Cashback directly credited to Amazon Pay wallet
Lifetime free card

Why it stands out : Excellent value for Amazon shoppers — and no hidden fees.

Flipkart Axis Bank Credit Card

Best for : Flipkart, Myntra & travel bookings

5% cashback on Flipkart & Myntra
4% on preferred partners like Cleartrip
Fuel surcharge waiver
Annual fee: ₹500

Why it stands out : Great card for frequent online shoppers and travel deal hunters.

How to Choose the Right Credit Card?

Here are a few things to consider before applying:

Match the card with your spending habits — shopping, travel, or bills
Look for cards with low or waived annual fees.
Choose cards that offer real cashback, not just reward points
Always read the fine print: cashback limits, exclusions, and T\&Cs