When it comes to managing daily expenses smartly, cashback credit cards are one of the most rewarding tools. Unlike regular reward points that need to be redeemed, cashback credit cards directly give you a percentage of your spending back as cash or statement credit.

List of Best Cashback Credit Cards in India 2025

• SBI Cashback Credit Card
• Flipkart Axis Bank Credit Card 
• Swiggy HDFC Bank Credit Card
• Amazon Pay ICICI Credit Card

SBI Cashback Credit Card

Cashback SBI Card is one of the best cashback credit cards that comes with a value-back of up to 5% on the card spends. Best-suited for those who prefer to shop online for most of their needs.  Apply for SBI Cashback Credit Card- Apply Here

• You can apply for up to 3 Add-on cards at no additional cost against every primary card
• 5% Cashback on Online spends
• (capped at Rs 5000 per month combined for both Online & Offline spends)1% Cashback on Offline Spends
• 1% Fuel Surcharge waiver up to Rs.100 per statement cycle applicable on transactions between Rs. 500 – Rs. 3000

SBI Cashback Credit Card Fees & List of all charges

• Joining Fee: Rs 999 + GST
• Annual Fee: Rs 999 + GST - Second year onwards
• Annual Fees will be waived on annual spends of Rs 2 Lacs

Documents Needed for SBI Cashback Credit Card

• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Eligibility Criteria for SBI Cashback Credit Card

• Employment Status: Salaried or Self-employed
• Income: Rs 30,000 per month
• Required Age: 21-65 years
• Credit Score - 650+
• New to credit - Only for Salaried
• No delay payments in last 12 months

Flipkart Axis Credit Card

Flipkart Axis Bank Credit Card is among India’s top cashback credit cards for online shopping. Consumers can earn 7.5% cashback on Myntra, 5% cashback on Flipkart & Cleartrip, and 4% cashback on preferred merchants—cult.fit, PVR, Swiggy, and Uber.

• Apply for Flipkart Axis Credit Card- Apply Here

Axis Flipkart Credit Card -

• 7.5% Cashback with every transaction on Myntra (With a Rs 4,000 Cashback cap per quarter)
• 5% Cashback with every transaction on Flipkart (excluding Flipkart Health) and Cleartrip transactions (With a Rs 4,000 Cashback cap per merchant per quarter)
• 4% Cashback on Swiggy, PVR, Uber, and Cult.fit and 1% on other spends with no capping on Cashback
• 15% off upto Rs 500 with EazyDiner
• Get 1% fuel surcharge waiver on fuel purchases valid on transactions between Rs 400 - Rs 4000, capped at upto Rs 400
• Get Welcome Benefits worth Rs 350 (a Rs 250 Flipkart Gift Voucher and an instant Rs 100 discount on Swiggy (for users new to Swiggy)

Axis Flipkart Credit Card Fees & List of Charges -

• Joining Fees: Nil (Limited period offer)
• Annual fees: Rs 500 + GST
• Get annual fee waiver on spending Rs 3,50,000 or more in a year

Documents Needed for Axis Flipkart Credit Card -

• ID Proof: PAN Card/Form 60/Passport
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips/Form 16/ITR Return
• Photograph: Recent passport-sized photo

Axis Bank Flipkart Credit Card Eligibility Criteria -

• Age: 21 to 60 years
• Cibil Score: 730 and above
• Employment: Both salaried and self-employed individuals are eligible
• Salaried: Minimum monthly income of Rs 25,000
• Self-Employed: Minimum income as filed in ITR Rs 3.6 lac/year
• New to Credit not allowed

Swiggy HDFC Bank Credit Card

Designed for frequent Swiggy users, Swiggy HDFC Bank Credit Card stands out for 2 reasons – one, the generous 10% cashback it offers across Swiggy platforms (including food delivery, Instamart, Dine Out and Genie) and two, the additional 5% cashback across multiple online platforms along with 1% cashback on offline and other spends.  Apply for Swiggy HDFC Bank Credit Card- Apply Here

• Get 10% Cashback on Swiggy (Instamart, Food delivery, Genie & Dine out) capped at Rs 1500/month
• 5% Cashback on Online Shopping Spends on Amazon, Flipkart, Myntra, Nykaa etc - capped at Rs 1500/month
• Rs 1000 worth of discount coupons for food delivery and dining out on Swiggy
• Free Swiggy One Membership for 3 months as welcome benefit
• Upto 50 days of interest-free period on your Swiggy HDFC Bank Credit Card from the date of purchase
• Get zero lost card liability waivers on fraudulent transactions and Credit Card loss, upon prompt reporting

Swiggy HDFC Bank Credit Card Fees & List of all charges

• Joining Fees: Rs 500 + Taxes
• Annual Fee: Rs 500 + Taxes

Documents Needed Swiggy HDFC Bank Credit Card

• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Swiggy HDFC Bank Credit Card Eligibility Criteria

• Required Age: 21-65 years
• Employment status: Salaried or Self-Employed
• Minimum Income: Rs 25,000 per month (Salaried)
• Minimum ITR: Rs 6,00,000 per annum (Self-Employed)
• Cibil Score: 750+
• New to Credit allowed for Salaried & Self-Employed both

Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card is one of the few credit cards in India offering substantial savings on utility spends. Being a co-branded card, it is designed to offer benefits to Airtel customers in the form of cashback on mobile recharges, broadband, DTH, utility bill payment, etc. through the Airtel Thanks App. Cardholders also get accelerated cashback on some everyday brands like Swiggy, Zomato and Big Basket.  Apply for Airtel Axis Bank Credit Card- Apply Here

• Get an Amazon eVoucher worth Rs 500 on your first transaction using your Airtel Axis credit card within 30 days of card activation
• Earn 25% Cashback on Airtel Mobile, Broadband, DTH & WiFi bill Payments via Airtel Thanks app (Upto Rs 250 per month)
• Earn 10% Cashback on Swiggy, Zomato & BigBasket (Upto Rs 500 Per month)
• Earn 10% Cashback on Utility Bill Payments such as electricity, gas etc. via Airtel Thanks app (Upto Rs 250 per month)
• Get 1% Cashback on all other spends
• Enjoy 4 Complimentary lounge visits within India (4 Lounge access in a year) on minimum spends of Rs 50,000 in previous 3 months
• Get 1% fuel surcharge waiver on fuel purchases at all fuel stations across India
• Enjoy Upto 15% Off at partner restaurants via EazyDiner

Airtel Axis Bank Credit Card Fees & List of all charges

• Joining Fees: Rs 500 + GST
• Annual Fees: Rs 500 + GST
• Annual fees waived off on annual spends over Rs 2,00,000

Documents Needed for Airtel Axis Bank Credit Card

• PAN Card/Form 60
• ID Proof
• Address proof
• Bank Statement or Income proof
• Colour photographs

Airtel Axis Bank Credit Card Eligibility Criteria

• Required Age: 21-70 years
• Employment status: Salaried or Self-Employed
• Income: Starting from Rs 15,000 per month (Salaried), Starting from Rs 30,000 per month (self-employed)
• Cibil Score: 730 and above
• New to Credit not allowed
• Available across major cities in India

Amazon Pay ICICI Credit Card

Amazon ICICI Credit Card is among India’s top cashback credit cards for online shopping. Consumers can earn Flat 5% cashback on Amazon apps and websites and MakeMyTrip, Sterling Resorts, Haier, McDonalds etc. You earn rewards on all spends that can be redeemed for exciting gifts, vouchers or free flight tickets. If you are someone who is a frequent shopper at Amazon, this card is a must for your wallet.  Apply for Amazon Pay ICICI Credit Card- Apply Here

• Lifetime FREE – Select Variants of ICICI Bank Credit Card are offered without any joining or Annual Fee
• Discount on Online Sales – With ICICI Credit Card, you can avail great discount offers on Amazon/FlipKart Sale
• Earn 2 Reward Points on every Rs 100 spent for all retail purchases except fuel
• Get 1 Reward Point on every Rs 100 spent on utilities and insurance categories

ICICI Credit Card Fees & List of Charges -

• Joining Fees: Lifetime Free (Depending upon the card selected)
• Annual Fees: Lifetime Free (Depending upon the card selected)

Documents Needed for Amazon ICICI Credit Card

• PAN Card
• Aadhaar Card
• Bank Statement

Amazon Pay ICICI Credit Card Eligibility Criteria -

• Age group: 21-65 years
• Employment status: Salaried
• Minimum Income: Rs 50,000 per month (Salaried)
• Credit score: 750+
• You should be citizen of India or a Non-Resident Indian

Other Cashback Credit Cards to Consider

Apart from the cards mentioned above, here are some other cashback credit cards to consider, based on your requirements