Your morning coffee. That cab ride. Groceries. Online orders. You already spend every day — now it’s time to earn something back on it.
Cashback credit cards help you save money on the things you buy the most.
You simply use your card, pay your bill on time, and enjoy cash credited back to your account.
Here are the best cashback credit cards in India for everyday spends in 2025 — and why the UPI Credit Card via Kiwi is the easiest way to earn real cashback every single day.
Why Choose a Cashback Credit Card?
- Earn money back on every transaction
- Works for daily spends — food, bills, fuel, travel, and more
- Easy to redeem — cashback is real money, not confusing points
- Helps you manage monthly expenses smarter
- Keeps your credit history active and healthy
Simple rule: if you’re spending anyway, earn while doing it.
Top Cashback Credit Cards for Everyday Spends (2025)
| Rank | Credit Card | Cashback Benefits | Annual Fee | Highlight |
| 1 | UPI Credit Card via Kiwi | 1.5% cashback on all offline UPI spendsUp to 5% cashback for Kiwi Neon membersInstant cashback credited as real money | Lifetime Free (Neon membership ₹999/year) | Real cashback, not points. Works on most UPI QR scanners. |
| 2 | Amazon Pay ICICI Credit Card | 5% cashback for Prime users, 3% for others on Amazon2% on Amazon Pay merchants – Cashback in converted to amazon pay balance and Amazon Pay balance can be used to buy anything on Amazon.in and partner websites & apps. | Lifetime Free | Great for frequent Amazon shoppers |
| 3 | Axis Bank ACE Credit Card | 5% on bill payments via Google Pay4% on food & ride apps(Capped at 500 per billing cycle)1.5% elsewhere Cashback is redeemed against next bill as statement credit | ₹499 (waived on ₹2L spends) | Best for utility and food delivery spends |
| 4 | SBI Cashback Credit Card | 5% on online spends1% offline(cashback is automatically credited to your account each month and is used to offset your outstanding balance) | ₹999 (waived on ₹2L spends) | Simple, strong cashback for digital shoppers |
| 5 | HDFC Millennia Credit Card | 5% cashback on SmartBuy & PayZapp1% elsewhere (Cashback on the HDFC Millennia Credit Card is earned as CashPoints, which can primarily be redeemed as a cash credit against your credit card statement balance via HDFC Bank NetBanking. | ₹1,000 (waived on ₹1L spends) | Ideal for heavy online spenders |
Why the UPI Credit Card via Kiwi Stands Out
The UPI Credit Card via Kiwi makes earning cashback easier than ever.
You can link it directly to your UPI through the Kiwi app and pay at any QR code — just like a debit card, but with rewards.
Here’s what makes it special:
- Minimum 1.5% cashback on offline UPI transactions
- Up to 5% cashback for Kiwi Neon members
- Instant rewards — cashback credited as Kiwi in your account
- Lifetime free — no joining or annual fees
- Real cashback (not points) — withdrawable to your bank
- Works on any UPI QR scanner via Kiwi app
Perfect for daily commuters, café hoppers, or anyone who spends regularly via UPI.
Smart Tips to Maximize Cashback
- Pay with UPI whenever possible — it’s faster and earns rewards.
- Pay your bill in full each month — don’t let interest eat your cashback.
- Track your spends on the Kiwi app — see your rewards grow in real time.
- Upgrade to Kiwi Neon if you’re a frequent spender — more cashback, faster rewards.
- Avoid cash withdrawals — they don’t earn cashback.
Small habits, big savings.
Final Thoughts
Cashback credit cards are the easiest way to earn while you spend.
Whether you’re paying for groceries, ordering food, or recharging your phone — you deserve something back for it.
For most people, the UPI Credit Card via Kiwi is the smartest choice:
- Works everywhere UPI is accepted
- Lifetime free
- Cashback that’s real, instant, and withdrawable
Scan. Pay. Earn cashback. Repeat.
💳 Get Your UPI Credit Card via Kiwi
Apply in minutes on the Kiwi app.
Link your card to UPI, scan any QR, and earn cashback instantly on every payment.
