💬 “Why isn’t my credit card giving me anything back?”
If you’re swiping but not saving, you might be using the wrong credit card. Let’s fix that.
🧠 Why Cashback and Rewards Credit Cards Matter
Imagine getting paid to spend. That’s essentially what cashback and rewards credit cards do.
They’re ideal if:
- You shop online regularly (Flipkart, Amazon, etc.)
- You pay your bills with a credit card
- You love travel or food discounts
- You want to save on fuel or groceries
And the best part? You’re not spending more — you’re just spending smarter.
✅ Recommended
💡 Want to take control of your finances before getting a credit card?
👉 Start building your financial safety net with this step-by-step emergency fund guide—even if you’re earning a low income.
Best Credit Cards in India for Cashback & Rewards (2025)
Here are top picks for Indian users, with zero to low annual fees and real rewards:
1. 🟢 Axis Bank ACE Credit Card
Why it’s awesome:
✔ 5% cashback on Google Pay bill payments
✔ 4% on Swiggy, Zomato, Ola
✔ Flat 2% on all other spends
- Annual Fee: ₹499 (waived on ₹2L annual spend)
- Best For: Bill payers, foodies
2. 🟠 Amazon Pay ICICI Credit Card
Why it’s awesome:
✔ 5% cashback for Prime members
✔ 3% for non-Prime
✔ No expiry on cashback!
- Annual Fee: ₹0 (Lifetime Free)
- Best For: Amazon shoppers
3. 🔵 HDFC Millennia Credit Card
Why it’s awesome:
✔ 5% cashback on Amazon, Flipkart
✔ 1% on all offline spends
✔ Airport lounge access included
- Annual Fee: ₹1,000 (waived at ₹1L spend/year)
- Best For: Young earners, online shoppers
4. 🔴 SBI Cashback Credit Card
Why it’s awesome:
✔ 5% flat cashback on all online spends (except wallets/fuel)
✔ Cashback directly credited to statement
- Annual Fee: ₹999
- Best For: High online spenders
5. 🟡 IDFC FIRST Select Credit Card
Why it’s awesome:
✔ Up to 10x rewards on online shopping
✔ Complimentary lounge access
✔ No annual fee — ever
- Annual Fee: ₹0
- Best For: Frequent travelers & online buyers
🌍 Top Global Picks – Best Cashback/Rewards Credit Cards Worldwide
If you’re from the U.S., UK, Canada, or elsewhere, here are a few that stand out:
🌎 1. Chase Freedom Unlimited® (U.S.)
✔ 5% cashback on travel
✔ 3% on dining, drugstores
✔ 1.5% on all other purchases
🌎 2. American Express Blue Cash Everyday® (U.S.)
✔ 3% on groceries, gas, online retail
✔ Introductory $200 bonus
🌎 3. MBNA Smart Cash Credit Card (Canada)
✔ 2% cashback on groceries & gas
✔ 0.5% on other spends
✔ No annual fee
💡 How to Pick the Right Card (Without Regret)
Here’s a simple checklist:
| ✅ Question | Why It Matters |
|---|---|
| Do I shop online often? | Look for high % cashback on ecommerce |
| Do I pay bills via card? | Check Google Pay or utility cashback |
| Do I want travel perks? | Look for lounge access and miles |
| Do I hate annual fees? | Choose lifetime free cards |
| Will I pay full balance monthly? | Avoid interest charges completely |
🙋♀️ Real Talk: Is Cashback Really Worth It?
Yes — but only if:
- You pay your balance in full (no interest)
- You don’t overspend just for rewards
- You match the card to your lifestyle
For example:
“I save ₹1,000+ monthly using my Amazon Pay ICICI card on groceries & bills alone.” – Ritika, Pune
💬 Final Thoughts
The right credit card doesn’t just spend — it gives back. Whether you’re shopping for groceries in Delhi or ordering gadgets in New York, there’s a card designed to reward your routine.
🛠️ Your job? Choose smart. Pay on time. Reap the rewards.