In India, more and more people are using credit cards for daily expenses like shopping, petrol, food delivery, travel, and online payments. But many people don’t know that some credit cards give cashback. Cashback means when you spend money using the card, the bank gives you some money back in your card account.
This is a very good benefit because it helps you save money while spending. For example, if you buy groceries for ₹5,000 and your card gives 5% cashback, you get ₹250 back. Slowly, these small savings become big savings in a year.
But the question is – which is the best credit card in India for cashback? Let us understand in very simple English.
What is Cashback Credit Card?
A cashback credit card is a special type of card where you get cash reward on your spending. Some cards give flat cashback (same on everything), while some give more cashback on online shopping, food, fuel, or travel.
This cashback is usually adjusted in your card bill. That means, if your bill is ₹3,000 and you earned ₹300 cashback, then you only pay ₹2,700.
Why Indians Like Cashback Credit Cards?
- Simple benefit – Money back is easier to understand than reward points.
- Useful for daily life – You spend on things you already need (grocery, petrol, mobile recharge) and get cashback.
- Good for online shopping – In India, people use Flipkart, Amazon, Zomato, Swiggy, Paytm – all these give extra cashback offers with certain credit cards.
- Helpful in saving money – Middle-class families like cashback because every rupee saved is important.
Best Credit Cards in India for Cashback (2025)
Now let’s see some popular cashback credit cards in India. Remember, the “best card” depends on your usage (shopping, travel, food, or petrol).
1. Amazon Pay ICICI Credit Card
- Cashback: Up to 5% on Amazon shopping
- Annual Fee: Zero (Lifetime Free)
- Why Good: Best for people who shop on Amazon regularly. Cashback is directly added to Amazon Pay balance.
2. Flipkart Axis Bank Credit Card
- Cashback: 5% on Flipkart, 4% on Swiggy, Uber, 1.5% on all other spends
- Annual Fee: Around ₹500 (free if you spend more)
- Why Good: Best for Flipkart buyers and people who use food delivery apps.
3. HDFC Millennia Credit Card
- Cashback: 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, etc.
- Annual Fee: Around ₹1,000 (can be waived if you spend more)
- Why Good: Young users and online shoppers get maximum benefit.
4. Axis Bank Ace Credit Card
- Cashback: 5% on bill payments and recharge (via Google Pay), 4% on food delivery, 2% on all spends
- Annual Fee: ₹500
- Why Good: Best for utility bills, mobile recharge, and food orders.
5. Standard Chartered Super Value Titanium Card
- Cashback: 5% on fuel, 5% on phone bills, 5% on utility bills
- Annual Fee: ₹750
- Why Good: Perfect for people who spend on fuel and household bills.
How to Choose Best Cashback Credit Card for You
Not every card is best for everyone. You should choose based on your spending style.
- If you shop on Amazon → Amazon Pay ICICI Card is best.
- If you shop on Flipkart → Flipkart Axis Card is best.
- If you do bill payment and recharge → Axis Ace Card is best.
- If you want fuel cashback → Standard Chartered Super Value Card is good.
- If you are a student or first-time user → Lifetime free cards like Amazon Pay ICICI are simple and safe.
Documents Required to Get Cashback Credit Card in India
- Aadhaar Card and PAN Card
- Address proof (electricity bill, rent agreement, voter ID)
- Income proof (salary slip, ITR, bank statement)
- Good credit score (usually above 700, but some banks also give cards to new users)
If you don’t have salary slip, some banks also allow card against Fixed Deposit (FD).
Advantages of Cashback Credit Cards
- Easy to save money on regular spending
- Useful offers on shopping, travel, fuel, food delivery
- Some cards are lifetime free – no annual charges
- Cashback is direct money (not confusing reward points)
Disadvantages You Must Remember
- Interest rates are high (if you don’t pay full bill on time)
- Annual fee may be high for some cards
- Cashback has limits (for example, maximum ₹500 per month)
- Not useful if you don’t spend much on card
Tips to Use Cashback Credit Card Smartly
- Always pay full bill on time – never pay minimum amount only
- Don’t overspend just for cashback – spend only what you need
- Compare offers before using card (Amazon vs Flipkart vs Paytm)
- Use the card where it gives maximum cashback
- Keep good CIBIL score so you can upgrade to better cards later
Example Case
Let’s take example of Anita from Jaipur. She spends ₹10,000 every month on groceries, online shopping, and bill payments. She uses Axis Bank Ace Credit Card.
- 5% cashback on Google Pay bill payments = ₹500 saved
- 4% cashback on food orders = ₹200 saved
- 2% cashback on other spends = ₹100 saved
In one month she saves ₹800. In one year, she saves almost ₹9,600 just by using cashback credit card.
Conclusion
In India, cashback credit cards are very useful for saving money in daily life. The best credit card for cashback depends on where you spend more:
- For Amazon lovers → Amazon Pay ICICI Card
- For Flipkart lovers → Flipkart Axis Card
- For Online shopping and bills → HDFC Millennia or Axis Ace Card
- For Fuel and bills → Standard Chartered Super Value Card
Always remember – cashback is only benefit if you use card carefully and pay full bill on time. Otherwise, interest charges can take away your savings.
So, if you want to save money smartly in 2025, choose the right cashback credit card and use it wisely.