Top Shopping Credit Cards in India – July 2025
1. SBI Cashback Credit Card
5% cashback on online spending
1% cashback on offline transactions
₹999 annual fee (waived on ₹2 lakh annual spend)
Best for: heavy online shoppers who use multiple platforms
2. Amazon Pay ICICI Credit Card
5% cashback for Prime members on Amazon
3% cashback for non-Prime members
2% on Amazon Pay partner merchants
1% on other transactions
No annual fee
Best for: Amazon loyalists
3. Flipkart Axis Bank Credit Card
5% cashback on Flipkart & Myntra
4% cashback on partner merchants (Swiggy, Uber, etc.)
₹500 annual fee (waived on ₹2 lakh annual spend)
Free airport lounge access
Best for: Flipkart users and travel-savvy shoppers
4. HDFC Millennia Credit Card
5% cashback on Amazon, Flipkart, Swiggy, Zomato
1% cashback on all other online spends
₹1,000 annual fee (waived on ₹1 lakh spend)
Best for: diverse platform shoppers with food delivery habits
5. Axis Bank Ace Credit Card
5% cashback on bill payments via Google Pay
4% cashback on Swiggy, Zomato, Ola
1.5% cashback on all other spends
₹499 annual fee (waived on ₹2 lakh spend)
Best for: utility billers and budget-conscious spenders
6. HSBC Cashback Credit Card
10% cashback on dining, groceries & food delivery
1.5% cashback on all other spends
No joining fee
Best for: budget-focused users who spend on essentials
🔄 What’s New in July 2025?
Fee updates on utility & wallet transactions across banks
Some credit cards removing complimentary insurance features
New cashback slabs introduced based on spend categories
UPI-linked credit cards gaining popularity with RuPay cards
✅ Quick Comparison Table
| Credit Card | Key Benefit | Annual Fee | Best For |
|---|---|---|---|
| SBI Cashback | 5% Online cashback | ₹999 | General online shoppers |
| Amazon Pay ICICI | Up to 5% on Amazon | ₹0 | Amazon-only spenders |
| Flipkart Axis | 5% on Flipkart/Myntra | ₹500 | Flipkart users + lounge access |
| HDFC Millennia | 5% multi-platform cashback | ₹1,000 | Diverse online shoppers |
| Axis Bank Ace | 5% on bill payments | ₹499 | Utility + food spenders |
| HSBC Cashback | 10% on essentials | ₹0 | Groceries + Dining users |
💡 How to Pick the Right Credit Card
Choose Based on Spending Habits
Amazon-only? Go for Amazon Pay ICICI
Shopping + travel? Choose Flipkart Axis
Look for Annual Fee Waivers
If you spend ₹1–2 lakh yearly, many cards offer full fee reversal
Maximize Categories
Bills? Pick Axis Ace
Essentials? HSBC Cashback wins
Avoid Cards with Hidden Charges
Always check for utility, fuel, wallet loading fees, etc.
🙋 Frequently Asked Questions (FAQs)
Q1. Which is the best credit card for cashback in 2025?
The SBI Cashback and Axis Ace cards offer high cashback on a wide range of online spends and bills.
Q2. Is lifetime-free credit card better than one with an annual fee?
If you don’t hit the waiver threshold, a lifetime-free card like Amazon Pay ICICI offers great value.
Q3. Can I use multiple credit cards for shopping?
Yes. Many savvy users carry 2–3 cards to maximize different cashback categories.
Q4. What charges should I check before applying?
Annual fee, renewal fee, utility surcharge, fuel surcharge, and any caps on cashback.
Published on : 16th July
Published by : SMITA
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