Best Cashback Credit Cards in India for July 2025
Best Cashback Credit Cards in India for July 2025Cashback credit cards provide a simple way to earn back a percentage of your spends directly as cash credits on your statement, or as points redeemable at a 1:1 ratio in linked wallets. Many cashback cards offer higher rewards on select categories or brands, with rates ranging from 1% to 10%, alongside a base cashback on all other eligible transactions.
Choosing the best cashback credit card depends on your spending habits, especially which categories you spend the most on. Below is a list of some of the top cashback credit cards available in India that offer good value on common expenses like dining, groceries, utilities, and online shopping.
What Are Cashback Credit Cards?
Cashback credit cards offer a small percentage of your spending back as either direct cash credit into your statement, linked wallets, or as redeemable points. Some cards accelerate cashback on select brands or categories while offering a base cashback rate on other spends.
How to Choose the Best Cashback Credit Card
The best cashback credit card for you will depend on your preferred spending categories. Cards that reward more on your usual spends like dining, groceries, or online shopping provide the maximum benefit.
Top Cashback Credit Cards in India
YES Bank Credit Card
Joining Fee: ₹0
Annual/Renewal Fee: ₹499
Key Benefits:
3% cashback points on e-commerce spends (max 5,000 points/month)
Unlimited 1.5% cashback points on all other spends, including UPI
Cashback SBI Card
Joining Fee: ₹999
Annual/Renewal Fee: ₹999
Key Benefits:
5% cashback on all online spends
1% cashback across all offline spends
HDFC Millennia Credit Card
Joining Fee: ₹1000
Annual/Renewal Fee: ₹1000
Key Benefits:
5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato, and more
1% cashback on other categories
Amazon Pay ICICI Credit Card
Joining Fee: ₹0
Annual/Renewal Fee: ₹0
Key Benefits:
Up to 5% cashback on Amazon purchases
1% cashback across all offline spends
Flipkart Axis Bank Credit Card
Joining Fee: ₹0
Annual/Renewal Fee: ₹500
Key Benefits:
7.5% cashback on Myntra
5% cashback on Flipkart and Cleartrip transactions
Tata Neu Infinity HDFC Bank Credit Card
Joining Fee: ₹1499
Annual/Renewal Fee: ₹1499
Key Benefits:
Up to 10% value-back on Tata Neu spends
8 domestic and 4 international Priority Pass lounge access annually
Swiggy HDFC Bank Credit Card
Joining Fee: ₹500
Annual/Renewal Fee: ₹500
Key Benefits:
10% cashback on Swiggy food orders, Instamart, Dineout, and Genie
5% cashback on other online spends
Myntra Kotak Credit Card
Joining Fee: ₹500
Annual/Renewal Fee: ₹500
Key Benefits:
7.5% off (up to ₹750 per transaction) on Myntra
Unlimited 1.25% cashback on other spends
Airtel Axis Bank Credit Card
Joining Fee: ₹500
Annual/Renewal Fee: ₹500
Key Benefits:
25% cashback on Airtel mobile, DTH, and related payments via Airtel Thanks App
10% cashback on utility bill payments via Airtel Thanks App
HSBC Live+ Credit Card
Joining Fee: ₹999
Annual/Renewal Fee: ₹999
Key Benefits:
10% cashback (max ₹1,000/month) on dining, groceries, and food delivery
Unlimited 1.5% cashback on other spends
Final Thoughts
When selecting a cashback credit card, consider the categories where you spend the most. This will help you maximize the value of your cashback and make the card truly rewarding.
How to Apply
Many platforms allow you to check your pre-approved credit card offers instantly using your mobile number. The entire application process is digital and easy to complete online.