Top 4 Cashback Credit Cards in India – Maximize Rewards on Online, Food, Utility & Offline Spends

Compare the best cashback credit cards in India (2025) including SBI Cashback, HDFC Swiggy, HSBC Live+, and Axis Airtel. Save more on food, online shopping, utilities & everyday offline spends. Discover pros, cons, fees, and rewards.

💳 5% Cashback on Everyday Spends! These 4 Credit Cards Can Supercharge Your Savings

Looking to save more on every transaction? Cashback credit cards are your best bet to earn money while you spend. Whether it’s food delivery, online shopping, utility bill payments, or offline retail purchases, these cards help you put money back in your pocket.

Here’s a breakdown of the 4 best cashback credit cards in India for 2025, tailored for different spending habits. From zero joining fees to high reward percentages, we compare the features, cashback benefits, charges, pros, and cons of each card to help you make an informed decision.

🛍️ 1. SBI Cashback Credit Card – Best for Online Shopping

Cashback Offer: Up to 5% cashback on online transactions (except wallets and fuel)

🔍 Features:

• 5% cashback on online spends across e-commerce platforms like Amazon, Flipkart, Myntra, etc.

• 1% cashback on offline retail spends.

• Cashback is auto-credited every billing cycle.

• No merchant restrictions.

• Annual Fee: ₹999 + GST (waived off on spends of ₹2 lakh annually)

✅ Pros:

• Excellent cashback rate for digital shoppers.

• Automatic cashback credit – no need for redemption.

• Contactless and globally accepted Visa card.

❌ Cons:

• No rewards on wallet loads, rent payments, or fuel.

• No bonus points for dining or travel.

💸 Best For:

Online shoppers, digital-first users, fashion/lifestyle buyers.

🍔 2. HDFC Swiggy Credit Card – Best for Foodies & Dining

Cashback Offer: Up to 10% cashback on Swiggy, and 5% on food-related platforms.

🔍 Features:

• 10% cashback on Swiggy (food, Instamart, Genie).

• 5% cashback on partner brands (Zomato, Dominos, Starbucks).

• 1% cashback on all other categories.

• Swiggy One membership benefits.

• Annual Fee: ₹500 + GST (waived on ₹2 lakh annual spend)

✅ Pros:

• Great returns on food & grocery spends.

• Exclusive Swiggy rewards and delivery benefits.

• Affordable annual fee.

❌ Cons:

• Cashback restricted to food and delivery ecosystem.

• Less effective for users with varied spending habits.

💸 Best For:

Food delivery users, students, and professionals who rely on Swiggy.

✨ 3. HSBC Live+ Credit Card – Best for Offline Retail & Lifestyle Spends

Cashback Offer: 5% cashback on offline spends in supermarkets, dining, and fuel (limited period)

🔍 Features:

• Introductory 5% cashback (first 90 days) on all offline categories.

• Accelerated rewards on groceries, dining, and fuel.

• Convert purchases into EMIs.

• No annual fee for the first year; ₹499 from second year onwards.

✅ Pros:

• Attractive offline cashback offer for new users.

• Strong offline acceptance and EMI flexibility.

• Good lifestyle and premium experience.

❌ Cons:

• Limited cashback window (only first 3 months).

• Low cashback value post-offer period.

💸 Best For:

Offline spenders, especially in dining and groceries.

📱 4. Axis Bank Airtel Credit Card – Best for Utilities & Mobile Bill Payments

Cashback Offer: 25% cashback on Airtel bills & recharges, 10% on utility payments.

🔍 Features:

• 25% cashback on Airtel services: postpaid, broadband, DTH.

• 10% cashback on utility bills via Airtel Thanks app.

• 1% cashback on all other spends.

• Annual Fee: ₹500 + GST

✅ Pros:

• High-value cashback for Airtel users.

• Good returns on electricity, water, and gas bills.

• Axis EDGE rewards platform access.

❌ Cons:

• Cashback locked within Airtel ecosystem.

• Not ideal for those using Jio or Vi.

💸 Best For:

Airtel customers, frequent utility payers, and budget-conscious households.

🆚 In-Depth Comparison Table

🎯 Which Cashback Credit Card is Right for You?

• Choose SBI Cashback Credit Card if you spend mostly online.

• Go for the HDFC Swiggy Credit Card if your money goes into food & groceries.

• Prefer HSBC Live+ Credit Card for offline lifestyle and everyday retail shopping.

• Opt for the Axis Airtel Credit Card to save massively on utility bills and Airtel services.

No matter your lifestyle or financial goals, there’s a cashback credit card here that fits your needs. Make smarter financial decisions by choosing a card that aligns with your top spending categories—and turn every swipe into savings!