💳 Looking for the Best Cashback Credit Cards of 2025?

Credit Cards
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Which credit card gives you the maximum cashback for your everyday purchases like groceries, fuel, and dining? :thinking: Do you prefer cards with category-specific rewards or the ones that offer flat-rate cashback across all spends? Let’s discuss the top options and help each other pick the best! :money_with_wings:

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Top Credit Cards for Different Spending Categories (2025)

Ideal for Day-to-Day Expenditure:

  • Axis Bank Ace Credit Card:
    • 2% unlimited cashback on all transactions.
    • Additional 5% cashback on bill payments and DTH recharges via Google Pay.
  • Amazon Pay ICICI Credit Card:
    • 1% unlimited cashback on all transactions.
    • Ideal for flat-rate cashback lovers.

Best for E-commerce Shopping:

  • Flipkart Axis Bank Credit Card:
    • 5% cashback on Flipkart purchases.
    • 4% cashback on associated merchants like Swiggy and Uber.
  • HDFC Bank Millennia Credit Card:
    • 5% cashback on Zomato, Amazon, Flipkart, and Swiggy.
    • Limited to ₹1000 cashback per month.

Best for Food and Fun Expenses:

  • RBL Bank Popcorn Credit Card:
    • 4 movie tickets each month.
    • 10% cashback on food orders from delivery apps.
  • HDFC Diners Club Privilege:
    • 10x reward points on dining and entertainment expenditures.

Best for Fuel and Travel-Related Expenses:

  • BPCL SBI Credit Card:
    • 4.25% cashback on fuel expenditures at BPCL pump stations.
  • HDFC Regalia Credit Card:
    • Bonus points for travel-related expenses.
    • Access to elite lounges and fuel surcharge waivers.

Best for Utility Bill Payments:

  • Standard Chartered Smart Credit Card:
    • 2% cashback on online activities, including utility payments.

Bonus:

  • Axis My Zone Credit Card:
    • 4% cashback on bill payments and OTT subscriptions.
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Specific category rewards do best for individuals who spend a lot on dining, fuel, or e-commerce. The other option is the Axis Bank Ace Credit Card which gives 2% cashback on all transactions and 5% for bill payments. The Flipkart Axis Bank Credit Card also gives 5% cashback for purchases made on Flipkart.

On the other hand, flat-rate cashback cards, such as the Amazon ICICI Credit, provide 1% unlimited cashback on all transactions. These cards are easier to use because they reward the cardholder in all categories without worrying about meeting specific spending amounts.

Your choice should be influenced by your spending habits, whether you prefer categorised cards that maximize returns or flat-rate cards that are more convenient.