Top 5 Credit Cards in India 2025 – Best for Cashback & Rewards

[Srini]

Credit cards have become a must-have in India for shopping, travel, and managing daily expenses. The right card not only gives you convenience but also helps you save money with cashback, rewards, and offers.Here are the Top 5 Credit Cards in India (2025) that you can apply for:

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1. HDFC Millennia Credit Card

• Best For: Online shopping on Amazon, Flipkart, Swiggy
  
• Benefits: 5% cashback on partner websites, 1% fuel surcharge waiver
  
• Annual Fee: ₹1,000 (waived on high spend)
  

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2. SBI SimplyCLICK Credit Card

• Best For: Online shopping & beginners
  
• Benefits: 10x reward points on Amazon, Cleartrip, BookMyShow
  
• Annual Fee: ₹499 only
  
• Why Choose? One of the most popular starter cards in India.
  

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3. Axis Bank ACE Credit Card

• Best For: Cashback lovers
  
• Benefits: 5% cashback on bill payments, DTH, recharges (via Google Pay)
  
• Annual Fee: ₹499
  
• Why Choose? Simple, high cashback value.
  

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4. ICICI Amazon Pay Credit Card

• Best For: Frequent Amazon shoppers
  
• Benefits: 5% cashback for Prime members, 3% for non-Prime
  
• Annual Fee: Free (Lifetime Free Card)
  
• Why Choose? Best card for anyone who shops on Amazon India.
  

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5. Standard Chartered Manhattan Credit Card

• Best For: Grocery shopping & family expenses
  
• Benefits: 5% cashback on supermarkets & departmental stores
  
• Annual Fee: ₹999
  
• Why Choose? Great savings on monthly household purchases.
  

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✅ Tips Before Applying for a Credit Card

• Compare annual fees vs. rewards.
  
• Pay bills on time to avoid high interest.
  
• Apply only for cards you are eligible for (to avoid rejection).
  

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📌 ConclusionIf you are looking for the best credit cards in India (2025), options like HDFC Millennia, SBI SimplyCLICK, and ICICI Amazon Pay offer excellent benefits. Choose one based on your shopping habits and lifestyle.