Top 5 Credit Cards for Cashback in India (2025 Update)
Introduction
Cashback credit cards are one of the easiest ways to save money on your everyday purchases. In 2025, banks in India are offering more generous rewards, lower annual fees, and exclusive partner discounts. Whether you shop online, pay for fuel, or dine out, the right cashback card can put extra money back in your pocket.
Here’s our list of the top 5 cashback credit cards in India for 2025 based on rewards, fees, and overall value.
1. SBI SimplyCLICK Credit Card
Annual Fee: ₹499 (waived on annual spend above ₹1 lakh)
Cashback & Rewards:
- 5x rewards on Amazon, BookMyShow, Cleartrip, and more
- 1x rewards on other spends
- Welcome gift worth ₹500
Why It’s Great:
Best suited for online shoppers who want instant benefits on e-commerce platforms.
Pros:
✔ High rewards on online spends
✔ Low annual fee with waiver option
✔ Attractive welcome bonus
Cons:
✘ No fuel surcharge waiver
✘ Limited offline benefits
2. Amazon Pay ICICI Credit Card
Annual Fee: ₹0 (Lifetime Free)
Cashback & Rewards:
- 5% cashback on Amazon for Prime members (3% for non-Prime)
- 2% cashback on partner merchants
- 1% cashback on all other spends
Why It’s Great:
A must-have for frequent Amazon shoppers, offering lifetime free benefits with no hidden charges.
Pros:
✔ No annual fee ever
✔ Direct cashback to Amazon Pay balance
✔ Unlimited cashback
Cons:
✘ Rewards mostly useful for Amazon purchases
✘ No airport lounge access
3. HDFC Millennia Credit Card
Annual Fee: ₹1,000 (waived on annual spend above ₹1 lakh)
Cashback & Rewards:
- 5% cashback on Amazon, Flipkart, Zomato, Swiggy
- 1% cashback on all other spends
- Complimentary airport lounge access
Why It’s Great:
Perfect for young professionals who shop online and travel occasionally.
Pros:
✔ Wide partner network for rewards
✔ Lounge access included
✔ Strong online shopping benefits
Cons:
✘ Cashback is capped monthly
✘ Annual fee is higher than basic cards
4. Axis Bank Ace Credit Card
Annual Fee: ₹499 (waived on annual spend above ₹2 lakh)
Cashback & Rewards:
- 5% cashback on bill payments & DTH recharge via Google Pay
- 4% cashback on Zomato, Swiggy, Ola
- 2% cashback on all other spends
Why It’s Great:
Excellent choice for people who use Google Pay regularly for bills and recharges.
Pros:
✔ High cashback on daily services
✔ Low annual fee with waiver
✔ Strong food delivery rewards
Cons:
✘ Limited travel benefits
✘ Cashback credited monthly, not instantly
5. Standard Chartered DigiSmart Credit Card
Annual Fee: ₹49/month (₹588/year)
Cashback & Rewards:
- 20% off on Myntra
- 10% off on Zomato & Grofers
- 25% off on Ola rides
Why It’s Great:
Ideal for people who shop on Myntra and order food often. The small monthly fee makes it easy to maintain.
Pros:
✔ Huge partner discounts
✔ Affordable monthly fee
✔ Ideal for fashion + food lovers
Cons:
✘ Not great for offline spends
✘ No travel or fuel benefits
Conclusion
If you’re a heavy Amazon user, go for the Amazon Pay ICICI Card (Lifetime Free).
For a mix of online shopping and travel benefits, the HDFC Millennia Card is a solid pick.
If you want to save on everyday utility bills, Axis Bank Ace Card is unbeatable.
FAQs
Q1: Which is the best lifetime free cashback credit card in India?
The Amazon Pay ICICI Credit Card is the best free option with high cashback on Amazon purchases.
Q2: Can I have more than one cashback credit card?
Yes, having multiple cards can help you maximize rewards on different spending categories.
Q3: Do cashback rewards expire?
It depends on the bank. Some cards offer cashback as statement credit (may expire), while others (like Amazon Pay ICICI) add it to a wallet with no expiry.