Top Cashback Credit Cards of 2025: Compare Rewards Across Merchants and Categories

[CardMaven]

If you use multiple cashback credit cards and are wondering which one gives the best returns for your specific spends, this detailed comparison table has you covered.

It compares popular Indian cashback and rewards cards across key categories like groceries, dining, travel, bill payments, and online shopping — helping you identify the best card for every type of spend.

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How to Use This Table​

• Find the spending category you use most (Amazon, Myntra, BigBasket, Fuel, Utilities, etc).
• Compare the cashback or reward rate across cards.
• Note the caps and limits in the NPS (Notes, Points, Summary) section.
• Identify which card gives you the best effective cashback rate for your lifestyle.

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Cards Included​

This table focuses on affordable and accessible cashback credit cards, with the following inclusion criteria:
Annual fee ≤ ₹1500
Or offered as a Lifetime Free (LTF) card

This ensures it’s a practical guide for budget-conscious users who still want strong reward potential.

• SBI Cashback - Apply Online
• PhonePe SBI Select Black
• PhonePe HDFC Ultimo
• HDFC Millennia - Apply Online
• Amazon Pay ICICI
• Flipkart Axis - Apply Online
• SC Smart
• Airtel Axis - Apply Online
• Tata Neu Infinity - Apply Online
• HDFC Swiggy - Apply Online
• HSBC Live+ - Apply Online

🗣 Want More?​

If you’d like to see additional cards or categories included — such as dining, travel, or co-branded retail cards — drop a comment below or tag @CardMavenIn on X.

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Bonus Tip​

You can pair this table with your monthly spend tracker to quickly spot which card to use for each merchant. Example:

• BigBasket → HSBC Live+ or Axis Ace
• Amazon Fresh → HSBC Live+
• Bill Payments → HDFC Millennia or Airtel Axis

 

[anonymous]

A new addition can be a UPI "Spend category"

 

[CardMaven]

A new addition can be a UPI "Spend category"

Yep, will add it

 

[tarun1111]

Does liv+ give 10 percent cashback on adding money in wallet of zepto, swiggy, blinkit?

 

[JonSnow]

Does liv+ give 10 percent cashback on adding money in wallet of zepto, swiggy, blinkit?

Not tried it but it would be hard to track as Live+ doesn't give transaction wise breakup for cashback.

 

[code_and_chai]

Yep, will add it

maybe few instant delivery apps also?
zepto, blinkit, swiggy instamart.

 

[anonymous]

Sir, one more correction required. HDFC Millennia does not give 5% on BigBasket. Only Tata Neu gives 5% on BigBasket. Check Millennia merchants: https://www.hdfcbank.com/personal/pay/cards/millennia-cards/millennia-cc-new BigBasket is not there.

 

[anonymous]

Although MoneyBack+ has BigBasket lol besides Tata Neu

 

[Funkieee]

Why is the SC smart still 2% for rent payments, Don't they have charges on the payments now

 

[JonSnow]

Paytm + Indus Visa gave me reward points for a test transaction of 200
For any transaction of above 2k, it was showing a fixed conv. fee of 32rs
Can anybody confirm if this is the case for you too?

 

[TiVoGlObE]

Is this thread getting updated?

 

[CardMaven]

Is this thread getting updated?

Yes, this one is pretty much up to date. Don't think there have been changes on these cards so far.

 

[ParthProLegend]

is there a similar list for DCs too?

 

[JonSnow]

is there a similar list for DCs too?

there are many DCs with rewards, it would be a huge list.

 

[asktriman]

is there a similar list for DCs too?

Quite a few rewarding DCs but then again not one uses it because CCs are much better

 

[ParthProLegend]

there are many DCs with rewards, it would be a huge list.

Ok thanks.

 

[uvaish]

Quite a few changes in reward structure and categories. Pls update this

 

[ParthProLegend]

Quite a few changes in reward structure and categories. Pls update this

@CardMaven will this get updated next year directly or this year too?

 

[CardMaven]

Updated!

 

[ParthProLegend]

So, is this one updated or a new one is posted?