In 2025, credit card companies are offering more value than ever—especially when it comes to cashback rewards. Whether you spend on groceries, online shopping, or fuel, the right cashback credit card can help you save thousands every year.
In this guide, we compare the top cashback credit cards in India, highlighting their benefits, cashback rates, annual fees, and more.
✅ Quick Comparison Table
| Credit Card | Cashback Rate | Annual Fee | Best For | Issuer |
|---|---|---|---|---|
| Axis Bank Ace Card | 5% on bill payments | ₹499 | Utilities & recharge | Axis |
| HDFC Millennia Card | 5% on Amazon & Flipkart | ₹1,000 | Online shopping | HDFC |
| SBI Cashback Card | 5% on online spends | ₹999 | All-round online use | SBI |
| Amazon Pay ICICI | 5% on Amazon for Prime | ₹0 | Amazon Prime users | ICICI |
| Flipkart Axis Bank | 5% on Flipkart & Myntra | ₹500 | Flipkart fans | Axis |
| ICICI HPCL Coral | 2.5% on fuel | ₹199 | Fuel expenses | ICICI |
| Standard Chartered Smart | 2% on all online spends | ₹499 | Low spenders | SCB |
| AU Bank Zenith+ | Up to 3% on all spends | ₹2,999 | Premium cashback | AU |
| HSBC Cashback Card | 1.5% on all spends | ₹750 | Consistent cashback | HSBC |
| Kotak Mojo Platinum | 2.5% on online + 1% others | ₹1,000 | Balanced spenders | Kotak |
🔝 1. Axis Bank Ace Credit Card
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Cashback: 5% on bill payments, DTH, mobile recharge via Google Pay
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Annual Fee: ₹499
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Why It’s Great: Unlimited 2% cashback on all other spends, no capping.
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Best For: Utility bill payments & mobile recharges.
Apply Now: Axis Bank Official Site
🛍️ 2. HDFC Millennia Credit Card
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Cashback: 5% on Amazon, Flipkart, Swiggy, Zomato
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Annual Fee: ₹1,000 (waived on ₹1L spends/year)
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Why It’s Great: Accelerated cashback + lounge access
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Best For: Online shoppers
🛒 3. SBI Cashback Credit Card
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Cashback: 5% on all online spends (except wallets & EMIs)
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Annual Fee: ₹999
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Why It’s Great: No merchant restriction for online cashback
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Best For: Digital-first users
🎁 4. Amazon Pay ICICI Credit Card
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Cashback: 5% (Prime), 3% (non-Prime) on Amazon, 1% others
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Annual Fee: ₹0
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Why It’s Great: No annual fee & direct cashback into Amazon wallet
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Best For: Amazon users
💳 5. Flipkart Axis Bank Credit Card
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Cashback: 5% on Flipkart, Myntra; 1.5% on others
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Annual Fee: ₹500
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Why It’s Great: Great value for Flipkart users
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Best For: Online shopping on Flipkart ecosystem
🛢️ 6. ICICI HPCL Coral Credit Card
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Cashback: 2.5% on fuel spends at HPCL
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Annual Fee: ₹199
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Why It’s Great: Low-cost fuel cashback card
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Best For: Frequent drivers
🧾 7. Standard Chartered Smart Credit Card
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Cashback: 2% on online spends, 1% on offline
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Annual Fee: ₹499
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Why It’s Great: Flat-rate cashback across all categories
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Best For: General users
💼 8. AU Bank Zenith+ Credit Card
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Cashback: Up to 3% on all spends
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Annual Fee: ₹2,999
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Why It’s Great: Premium features + high cashback
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Best For: Premium spenders
🌐 9. HSBC Cashback Credit Card
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Cashback: 1.5% on all spends, no cap
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Annual Fee: ₹750
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Why It’s Great: Simple flat cashback, no exclusions
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Best For: Simplicity & global use
💰 10. Kotak Mojo Platinum Credit Card
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Cashback: 2.5% on online, 1% offline
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Annual Fee: ₹1,000
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Why It’s Great: Balanced card for all spend types
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Best For: Mixed usage lifestyle
🧠 How to Choose the Right Cashback Credit Card?
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Match Your Spending Pattern: Online shopper? Go with HDFC Millennia or SBI Cashback.
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Fuel Costs High? Try ICICI HPCL Coral.
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Premium Perks Needed? AU Zenith+ or HSBC Cashback.
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Amazon Fan? Amazon Pay ICICI is a no-brainer.
🏁 Final Thoughts
Choosing the best cashback credit card in India depends on how and where you spend. All the cards above are handpicked based on real user reviews, cashback percentage, and fee-to-reward ratio in 2025.
Want to earn even more? Pair your credit card cashback with shopping apps, coupons, and deal alerts from Telegram channels like Hot Deals Junction.
💬 FAQs
Q1. Which credit card gives the highest cashback in India?
A: SBI Cashback and HDFC Millennia are among the top for online cashback.
Q2. Can I get cashback on fuel using credit cards?
A: Yes, ICICI HPCL Coral offers up to 2.5% cashback on fuel spends.
Q3. Is Amazon Pay ICICI card free for lifetime?
A: Yes, there is no annual fee and it gives great cashback on Amazon.