Things to Consider Before Choosing
1. Spending Pattern
Do you shop more online, pay bills, or travel often?
2. Fee vs Rewards
Calculate if the cashback earned justifies the annual fee.
3. Redemption Simplicity
Some banks auto-credit cashback; others require manual redemption.
4. Add-on Benefits
Look for lounge access, insurance, EMI options.
Expert Tips to Maximize Cashback
- Use the card for category-specific offers.
- Pay your full bill monthly to avoid interest.
- Combine offers from the card with platform deals (Flipkart, Swiggy).
- Use card apps to track spending and available cashback.
FAQs
1. Is there any card with no annual fee?
Yes. Amazon Pay ICICI has no annual or joining fee and still offers up to 5% cashback.
2. Which card is best for bill payments?
Axis Ace Card is ideal, offering 5% cashback via Google Pay.
3. How does cashback get credited?
Some cards credit automatically in the next cycle; others require logging in to redeem.
4. Can I get cashback on fuel purchases?
Many cards exclude fuel from cashback, but check terms—some may offer fuel surcharge waivers.
5. Do cashback cards impact credit score?
Using any card responsibly helps improve your credit score.
Final Words: Which Card Should You Choose?
Best cashback credit cards India 2025.The best cashback credit card depends on your lifestyle. For frequent online shoppers, the SBI Cashback or HDFC Millennia card is excellent. For Google Pay users, Axis Ace gives unbeatable value. Amazon loyalists should grab the ICICI Amazon Pay card for free.
Still unsure? Compare your spending habits with the benefits listed above and pick the one that gives you the highest returns.best cashback credit cards India 2025.
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