In 2025, credit card offers are more rewarding than ever. Banks are offering generous cashback and rewards to attract customers, helping you save on everyday spends. If you’re looking for a high-value credit card, here are the top options across categories like online shopping, dining, utility bills, fuel, travel, and premium perks.
1. Axis Bank ACE Credit Card
A top pick for billers and ride-hailing users, Axis Bank ACE offers 5% cashback on Google Pay bill payments, 4% on food and ride apps like Swiggy, Zomato, and Ola, and a flat 2% on all other transactions. The ₹499 annual fee is waived with ₹2 lakh annual spend.
More details: https://totaliq.in/best-credit-cards-cashback-rewards-2025/ and https://indialends.com/cards/best-credit-cards-for-online-shopping-in-india-2025/
2. Flipkart Axis Bank Credit Card
Ideal for frequent Flipkart or Myntra shoppers, this card gives 5% cashback on those platforms, 4% at select lifestyle merchants, and 1.5% on other spends. With a ₹500 fee that’s easily offset by rewards, it’s perfect for online shoppers.
More details: https://totaliq.in/best-credit-cards-cashback-rewards-2025/ and https://the-mangopeople.com/best-cash-back-credit-cards-in-india-in-2025/
3. Amazon Pay ICICI Credit Card
A favorite among Amazon users, this card offers 5% cashback for Prime members, 3% for non-Prime, 2% at partner merchants, and 1% on elsewhere. Best part: zero annual fee.
More info: https://totaliq.in/best-credit-cards-cashback-rewards-2025/
4. HDFC Millennia Credit Card
This versatile card offers 5% cashback across major e-commerce and food platforms, 1% elsewhere, and complimentary domestic lounge visits. The ₹1,000 annual fee is waived with ₹1 lakh annual spend.
More info: https://totaliq.in/best-credit-cards-cashback-rewards-2025/
5. SBI Cashback Credit Card
Straightforward rewards face, SBI Cashback gives 5% flat cashback on online purchases and 1% on offline transactions. The ₹999 fee is offset through robust usage and benefits like fuel surcharge waivers.
More info: https://www.paisabazaar.com/credit-card/25-best-credit-cards-india/
6. HSBC Cashback Credit Card
Ideal for grocery and dining expenses, this card offers 1.5% cashback on all spends with no caps. The ₹750 annual fee is waived upon spending ₹1 lakh annually.
More info: https://the-mangopeople.com/best-cash-back-credit-cards-in-india-in-2025/
7. Swiggy HDFC Bank Credit Card
Tailored for food lovers, it offers 10% cashback on Swiggy (including Instamart, dine-out, Genie) and 5% elsewhere online. With a ₹500 fee waiver on ₹2 lakh spend annually, it delivers strong returns on food bills.
More info: https://www.paisabazaar.com/credit-card/best-cashback-credit-cards-india/
8. Myntra Kotak Credit Card
For fashion aficionados: it gives 7.5% on Myntra, 5% at partner merchants like Swiggy and PVR, and 1.25% on other spends. Priced at ₹500 annual fee and includes Myntra Insider and PVR vouchers.
More info: https://www.paisabazaar.com/credit-card/best-cashback-credit-cards-india/
9. SBI SimplyCLICK Credit Card
This card earns 10X reward points on select online platforms (Amazon, BookMyShow, Cleartrip) and 5X on other online spends. ₹499 fee waived on ₹1 lakh annual spend.
More info: https://indialends.com/cards/best-credit-cards-for-online-shopping-in-india-2025/
10. IDFC FIRST Wealth Credit Card
A zero-annual-fee premium offering with up to 10X reward points on online transactions, rent/education spends, miles transfer, and free domestic/international airport lounge access.
More info: https://mahatait.in/top-5-credit-cards-in-india-with-the-best-rewards-in-2025/
🛠️ Choosing the Right Card
Pick a card based on your spending habits: Axis ACE for digital billers, Flipkart Axis or Amazon Pay ICICI for online shoppers, Swiggy HDFC for foodies, and HSBC or SBI Cashback for flat returns. Premium users should consider IDFC Wealth for its comprehensive travel and purchase perks.
💡 Pro Tips to Maximize Value
Make sure to meet the annual fee waiver thresholds to avoid hidden costs. Use co-branded cards at partner merchants to boost rewards. Keep tabs on reward caps and expiry dates. Don’t forget to redeem lounge and dining offers within validity. Stay updated on bank’s changing terms and conditions (refer to April–June 2025 updates for Axis, HDFC, and Amex).
More info: https://economictimes.indiatimes.com/wealth/spend/no-airport-lounge-access-higher-cashback-on-myntra-from-june-20-2025-check-axis-bank-credit-card-changes/articleshow/121489648.cms and https://economictimes.indiatimes.com/wealth/spend/hdfc-bank-axis-bank-american-express-kotak-mahindra-credit-card-changes-june-2025-know-what-is-what-how-it-impacts-your-cashback-reward-points/articleshow/121529455.cms
📊 Credit Card Comparison at a Glance
| Card Name | Rewards Highlights | Annual Fee |
|---|---|---|
| Axis Bank ACE | 5% on bill pay, 4% food/ride, 2% others | ₹499 |
| Flipkart Axis Bank | 5% Flipkart/Myntra, 4% partners, 1.5% others | ₹500 |
| Amazon Pay ICICI | 5% Prime, 3% non-Prime, 2% partners | ₹0 |
| HDFC Millennia | 5% digital, 1% others + lounge access | ₹1,000 |
| SBI Cashback | 5% online, 1% offline | ₹999 |
| HSBC Cashback | 1.5% across all spends | ₹750 |
| Swiggy HDFC | 10% Swiggy, 5% others | ₹500 |
| Myntra Kotak | 7.5% Myntra, 5% partners | ₹500 |
| SBI SimplyCLICK | 10X/5X online rewards | ₹499 |
| IDFC FIRST Wealth | 10X online points, lounge, no fee | ₹0 |
🎯 Final Takeaway
2025 offers a perfect environment for maximising credit card rewards. Use a mix of co-branded and cashback cards based on your spending patterns—be it bills, groceries, dining, travel, or shopping. With smart usage, these cards essentially work as money back in your pocket.
