Best Credit Card for Cashback and Rewards in India Credit cards se cashback aur rewards paana smart financial move ho sakta hai, khaaskar jab aapki purchases everyday needs, shopping, food delivery, ya travel par ho. 2025 mein India mein kuch standout cards hain jo middle-class budgets aur lifestyle ke liye best fit lagte hain.
Top Credit Cards for Cashback & Rewards
- SBI Cashback Credit Card
Reddit users ke beech bohot popular:
“SBI Cashback CC: 5% upto ₹5000/m on online spends.”
Aur ek user ne bataya:
“SBi Cashback for Online & HSBC Live+ for Offline.”
Ideal for: Regular online shoppers who want consistent cashback.
- Amazon Pay ICICI Credit Card
Another community favorite:
“Amazon Pay ICICI – 5% unlimited cashback on Amazon for prime members and 3% […]”
Chaahe Prime ho ya non-Prime, dining, groceries, or utilities ke liye bhi decent returns milte hain.
Ideal for: Frequent Amazon shoppers and bill payers.
- Axis Bank Flipkart Credit Card
Highly recommended for Flipkart-savvy users:
“Axis Flipkart CC: 5% unlimited cashback on Flipkart spends”
Ideal for: Regular Flipkart customers who want focused cashback.
- KIWI RuPay Credit Card
Unique card with UPI rewards:
“KIWI Rupay CC: 5% on UPI spends upto 1.5 lakhs”
Ye card everyday UPI spending par strong returns deta hai.
Ideal for: UPI-first users aur heavy mobile payment users.
- Axis Bank Privilege Credit Card (AmEx)
ET article ke mutabiq:
Rs.150 instant cashback on purchases above ₹600.
Rs.150 instant discount on transactions over ₹1500.
Extra offers on Swiggy, Zomato, Blinkit, Instamart, Yatra flights.
(Valid till June 30, 2025)
The Economic Times
Ideal for: Foodies, grocery & travel spenders who use AmEx network.
- UPI-Linked RuPay Credit Cards
Economic Times ki recent report ke anusaar, UPI-linked RuPay cards now offer combined benefits of UPI convenience plus cashback, rewards, aur airport lounge access:
Various variants based on fuel, shopping, commute, lifestyle, etc.
The Economic Times
Ideal for: Users who want UPI ease with added card perks.
Community Insights & Quick Comparison
Card Key Benefit Best Suited For
SBI Cashback CC 5% cashback on online spends (up to ₹5k) Online shoppers
Amazon Pay ICICI CC 5% on Amazon (Prime), 3% non-Prime & more Amazon users, utility payers
Flipkart Axis CC 5% cashback on Flipkart Flipkart loyalists
KIWI RuPay CC 5% on UPI spends up to ₹1.5L UPI-first and mobile payments users
Axis Privilege (AmEx) Instants + selective discounts Foodies, travellers
UPI-linked RuPay Cards UPI + lounge + cashback/rewards Convenience and lifestyle seekers
Community users also suggest:
Axis Bank Neo, Magnus, MyZone—each with perks like dining vouchers, minimal exclusions, entertainment benefits.
Reddit
Final Tips for Choosing the Right Card
Spending Pattern: Online shopping? Go with SBI Cashback or Amazon Pay ICICI. Heavy UPI usage? KIWI RuPay makes sense.
Acceptability & Flexibility: Axis Privilege works if you’re comfortable with AmEx network.
Payment Style: UPI-linked cards offer tap-to-pay ease with competitive perks.
Annual Fee Waivers: Many cards waive fees on minimum spends—check the fine print.
Reedmore
